23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Professional Debt mediation isnt licensed to collect in Pennsylvania as well as Georgia Desired Settlement : Correction to a credit report
Product: Credit card or prepaid card

received unordered/unauthrized debit card from XXXX of XXXX ne XXXX a subsidiary of first national bank of omaha . it is phone app only and can not contact via phone. can not use phone app as i am too old to manipulate. trying to 1. find out why i got card. 2. any $ on card? 3. possible breach of data? 4. maybe id theft? 5. how to cancel. contacted XXXX via e mail many times, no responses. contacted FNBO- no help,
Product: Payday loan, title loan, personal loan, or advance loan

I will initiate arbitration if my request isnt handled I am indigent & can not pay the filing fees or hearing fees I request that you pay them for me
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. 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 60 days 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX
Product: Debt collection

The billed amount was not sent to the insurance company. The doctor office never said it wil be my responsibility. i am a student and cant afford the whole amout
Product: Credit reporting or other personal consumer reports

By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and transunion must delete these items from Credit report immediately. 
Thanks
Product: Debt collection

I HAVE NEVER HAD ANY CONTACT WITH THIS COMPANY NOR DID I EVER HAVE ANY CONTRACT OR AGREEMENT DIRECTLY WITH THIS COMPANY I OWE THEM NOTHING AT ALL NO VALIDATION OF DEBT VIA EMAIL OR USPS
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all theses address are being repoted that i never lived there XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX
Product: Credit card or prepaid card

I have already been issued a complaint number, XXXX XXXX. The details that you are asking for above have already been provided. I am attempting to add police reports and video evidence to my complaint. I am hoping that this document will allow me to provide this evidence as proof of the crime theft, and credit card fraud was committed against me.
Product: Credit reporting or other personal consumer reports

I am contacting you about inaccuracies and incomplete information in my credit report that need your immediate attention. 

The basis for my dispute is that your agency has not provided adequate verification for the debt in question. TransUnion and XXXX have already corrected this account in their records due to an identified error. I am puzzled as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I wish to dispute this account : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX account has been reporting as late payments since XXXX of 2023 i have been reporting and disputing these late payments to be removed from my credit file. They have not been removed. No reason in which account is reporting late when its auto pay out my checking out. When spoken to rep at XXXX i was told my payment changed to a differemt amount without my knowledge. This is problem which has caused me financial issues with my credit which been reportin like for over XXXX, Now account isn't reporting correct on file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/2018 you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.
Product: Mortgage

PenFed illegally altered the payoff amounts to another PenFed loan ( XXXX ) and credit card ( ending in XXXX ) specified in documents closing on my home equity loan XX/XX/XXXX ( No. XXXX ) after the disclosure was issued and closing took place. 

PenFed was obligated, according to the signed closing documents, to pay off the personal loan and credit card. It was further obligated to accurately calculate and disclose payoff amountsa simple enough task since these were amounts owed to PenFed itself. 

More than two years later, PenFed began asking for payments on a {$3000.00} personal loan balance that should not still exist. I note the text at the top of the disclosure declares This form is a statement of your final loan terms and closing costs. I was never notified prior to a letter from XXXX XXXX, Chairman, Supervisory Committee, dated XX/XX/XXXX, of any deviation from the payoff amounts. In fact, PenFeds closing attorney explicitly told me at closing that all prior PenFed borrowing was being paid off and those accounts closed. I am separately investigating possible fraud on the use of the credit card after closing. However, in any event, the account should have been closed, preventing any fraud from occurring, and the closing documentwhich must have final sayagain shows an amount different from what PenFed reported XX/XX/XXXX. 

Notwithstanding another communication from PenFed after the closing, the closing document was legally sacred and there was no reasonable excuse for disregarding the payoff instructions.
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 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: Mortgage

I reported an insurance claim for repairs to roof with my homeowners insurance company. Claim was settled and payment was made. Check had to be endorsed by mortgage company, Lakeview Loan Service. I sent check along with estimate for repairs to mortgage company. Mortgage company advised I had to submit signed contract with contractor, W9 and release of lien from contractor. I submitted all documentation required. I contacted my mortgage company on XX/XX/year> to inquire when funds will be dispersed and was told 25 % of my funds would be issued. I explained that per their required documents my contract with contractor is requesting total amounts funds up front less my 1 % deductible that is owed when repairs are completed. The representative advised me to send letter advising of contractor 's response. I advised mortgage company has documentation in contract. Representative told me there is nothing they can do. I am unable to obtain repairs unless contractor 's contract is honored.
Product: Money transfer, virtual currency, or money service

I had a Cashapp account which I had sometimes used to send or receive money.

It advertised like it was a bank account, but one day Cashapp didnt work and I reached out many times. There was no phone number to call. 

After many messages on social media, I determined that the company had terminated my account. 

I reached out to try to rectify the problem, but was told they will not discuss any account issues. They will not confirm or deny much of anything. They told me via XXXX that once a an account is closed it is irreversible. 

I have asked for my account history, but they have not as of right now, provided it. 

The fact that this company can close my account, without accountability or redress-ability, nor comment nor any procedure is dangerous and problematic. 

What if I have a XXXX dollars of XXXX, cash or other asset? Do they continue holding it, is it refunded? 

These apps are becoming de facto banks. The fact that they can ban someone easily and quickly is of the upmost concern to consumers. 

Imagine dealing with a real financial bank and they refused to tell you what happened and keep pointing to the terms. 

This app needs serious oversight by a governmental agency. 

I am sure many other people are in the same boat. As XXXX and other virtual Paument methods are becoming more popular, these banking apps need to provide a safe platform, and the consumers need accountability and trust. 

I had several XXXX dollars in the account and I can not confirm if, when, or what money was transferred or where it is is disheartening. 

Also a XXXX user should be able to challenge, respond, or otherwise be involved in all aspects of the account, especially a total ban. XXXX should have to follow strict and rigorous procedures and not arbitrarily or capriciously. 

Thank you.
Product: Debt collection

I was contacted by Midland credit stating I owe them over XXXX with for a XXXX XXXX card for XXXX XXXX I told them I had a statement from XXXX XXXX in XXXX showing a balance of XXXX how did it increase so high. They said it was because I had XXXX interest and the payment ballooned once they obtained the debt. 

I was threatened legal action if I didnt set an arrangement they used unsavory tactics to force me into an arrangement for a debt I have no information on. They threatened to garnish my wages and put a lien on my home as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I got a phone call from a company called XXXX XXXX on XX/XX/XXXX. The phone number that called me was XXXX and the name of the called was XXXX XXXX. He stated I owed a balance of {$1700.00} and they sent numerous priority mailed letters, but I dont recall getting any letters from them. The debt was from Best Buy but i opened that account back in XXXX and I called Best Buy and they said the account is closed. I also called Citi Bank and they stated they dont see a balance for that account. He also told me that if I didnt make payments, that a judgement would be sent to my house and the parish would get involved. I tried researching this company and can not find any resources on the internet. I also googled the address on the letter they sent me and when I called the number, they dont know who XXXX XXXX is or what I am talking about. Please help in any way possible. Im believing this is a scam but cant be to sure.
Product: Mortgage

I had a loan for {$360000.00} on this property. with an additional {$40000.00} for the heloc. I receieve 1099 for XXXX in XXXX that i paid irs taxes in XXXX and a release lien from DOJ for XXXX on XX/XX/XXXX. So i have paid {$400000.00} however they are trying to collect {$160000.00} from me. i filed a ch.XXXX and converted it to a ch. XXXX bankruptcy in XXXX and no one responded. I got the discharge. XXXX XXXX XXXX XXXX said i did not owe any more money. I got the final discharge on the bankruptcy. Then in XXXX this company came out of nowhere saying that i owe them {$100000.00}. This bank is being unreasonable, They are not doing what the federal government said they should be doing. They are not helping me. I went into another Ch.XXXX in XXXX and it was dismissed in XX/XX/XXXX. Since at least XX/XX/XXXX, there has a been an international pandemic and a judicial emergency. The courts are not allowing evictions nor foreclosures at this time due to the statewide judicial emergency. The judicial emergency has been extended through XX/XX/XXXX ; however they are threatening to foreclose on me on XX/XX/XXXX. I was making all my monthly payments through bankruptcy until it was dismissed. They have refused to take any money from me since the bankruptcy has been dismissed. I don't think i owe them anything but if i do i need a 12 month deferment due to covid19. Over 40 million people have been unemployed in the country due to covid19.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

this company calls me 3 to 5 times a day I answer the call and they hang up when they do answer they ask me for my ss number or my date of birth without identifying themselves or telling me what the phone call is about I had to call the number back to find out who was calling
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$48000.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Withheld Funds and Lack of Response from Robinhood Dear CFPB, I am filing a formal complaint against Robinhood for withholding my {$6000.00} and restricting my account. Despite multiple attempts to contact Robinhood support team, I have not received any assistance, and my funds remain inaccessible. This directly violates my rights as a customer, and I am extremely dissatisfied with the lack of resolution. I have contacted Robinhood many times asking to communicate with a supervisor. I was told someone would reach out to me but no one ever did. They have completely ignored my request. My Robinhood account has been restricted for 10 days now and every day they state this issue will be cleared up, the date changes to the following date so I see no resolution to this with them.

The company 's failure to release my funds has caused significant financial inconvenience. I need this resolved immediately.

I kindly request that the CFPB assist in addressing this issue and work to ensure that Robinhood releases the restriction and gives me access to my funds as soon as possible. 

Thank you for your attention to this matter.