23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear CFPB, XXXX XXXX sold it's XXXX Card credit card relationship to Marcus ( Goldman Sachs ) in early XXXX. While the transition commenced after closing in XX/XX/XXXX, I did not actually receive my new credit card until XX/XX/XXXX. During this timeframe, valid charges and payments were made using my old XXXX  XXXX card and ACH payments through our bank ( XXXX XXXX  ) were sent to XXXX  XXXX, which forwarded the payments to Marcus. 

A balance of {$3300.00} for two valid transactions was due in XX/XX/XXXX. This balance was subsequently paid three times ( {$3300.00} on XXXX, {$4000.00} on XXXX and {$3300.00} through two ACH transactions and one EFT directly from XXXX XXXX  ). These payments were made through multiple means to ensure receipt by Marcus as their po box on our XXXX ACH payment through XXXX XXXX  was inaccurate. 

Marcus then returned {$7000.00} on XX/XX/XXXX via check and reversed the third payment in the amount of {$3300.00} resulting in a payment due of {$3300.00}. Marcus then levied a {$48.00} interest fee and {$29.00} late payment fee on our account, despite being paid three times the amount due. 

Upon receiving our XXXX statement, I noticed additional fees for the amount due and that the payments were never accepted. I immediately contacted Marcus to inquire about why they returned our payments and then charged us fees and interest. I also sent a personal check in the amount of {$3300.00} to cover the outstanding valid balance which posted on XX/XX/XXXX. I have filed two complaints requesting reimbursement of the fees ( {$77.00} ), but they have been rejected for no apparent reason. 
This behavior is clearly inconsistent with Goldman Sachs values and a means of generating fees and interest. Transition errors, delays and inability to deliver statements should not be used as a basis for charging fees and interest on customers with clean payment histories. I recommend that the CFPB take immediate action to investigate this matter and any other similar situations for XXXX Card customers that have experienced similar irregularities.
Product: Mortgage

I had filed chapter XXXX bankruptcy in 2008. It was disharged in XXXX of 2008. In the bankruptcy we had initially reaffirmed a home equity loan that we had with. JP Morgan Chase. Our attorney recommended that we do not reaffirm the loan. We had origially reaffirmed on XXXX/XXXX/2008. My attorney then sent a a letter to Chase recinding the reaffirmation on XXXX/XXXX/2008. This is well within the 60 period to recind reaffirmation and well before the bankruptcy discharge date of XXXX/XXXX/2008. At this point it has been over 7 years since the bankruptcy filing and Chase should discontinue reporting the account to the credit reporting agencies and have the account deleted from the credit reports. This needs to be done to be in compliance with FCRA. Please contact me if you need any additional information.
Product: Debt collection

To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Please provide at least the following information within 30 days from the date your receipt of this request for validation : Full name and address of alleged creditor : Full name on file of alleged debtor : Alleged account number Correct Social Security number Address on file for alleged debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Copy of the contract and any amendments as this will show what the terms of the contract a so, I can see if you are following this in the amount you are trying to collect from me : Statements related to this alleged debt because I need to see all charges, payments. credits, etc. to compare this with the contract and see if the amount you are claiming is correct : Was this debt assigned to debt collector or purchased? 
Purchased agreement if the debt was purchased so that I can see if you really own this debt : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay creditor : Letter of sale or assignment from the original creditor to your company. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not 2 / 2 allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX 2004 ), the court ruled that reporting a collection account is, indeed, XXXX considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 

if your office falls to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

This debt collection agency has been a complete disaster. An erroneous account has plagued my report for over a year. I left a XXXX review detailing my ordeal, they conducted an unauthorized hard inquiry on my Equifax report on XX/XX/24. They lacked any valid reason for such an action, as I never provided written consent or engaged in any transactions with this company.
Product: Money transfer, virtual currency, or money service

I did a transaction with Cash App, and the money was sent to my son 's account but he never recieved the money. I reach out to Cash App and go no one on the line only reply via email. Once they did respond, they told me there was nothing they could do the account was no longer active or he needed to merge the accounts together in order for him to get the funds. Once he tried to do that, still no money nor help. I sent him {$300.00}. So I email Cash App and ask them to refund me the money and still got nothing. So th money is just sitting out there. Cash App will not help me, nor was I able to get anyone on the phone to help, due to them not having a live representive to help. So what am I supposed to do? How do I get my money back or even get it to my son 's accout. Nothing from Cash App!
Product: Debt collection

The company MEDICAL & PROFESSIONAL COLLECTION SERVICES, INC has a collection claim for the amount of {$1400.00} on my XXXX credit report. I visited Indiana 's Secretary of State website to verify the company and while attempting to verify the company I noticed that the company 's license to conduct business in the state of Indiana has expired on XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX this collection agency is not currently licensed to do business.
Product: Credit card or prepaid card

Have been getting letters from different clothing stores. To confirm that the application is valid by me. And it isnt me filling out any application for a credit card. I called the companies And they have put an alert on.
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 disputes 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 financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries or the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, Transunion and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union Corp., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), they may be liable for false reporting.
Product: Credit card or prepaid card

On XX/XX/2022 I received a Chime card in the mail ( card number XXXX XXXX XXXX XXXX ). 

I have never heard of this company and never requested to open account. It is impossible to reach anyone via phone so I sent an email. Within 10 minutes of sending the email I received a response the account was closed. 
The next day, XX/XX/XXXX, I received another email stating it was confirmed as identity theft. 

On XX/XX/2022 I received a second Chime card in the mail ( card XXXX XXXX XXXX XXXX ). I immediately sent another email about the second fraudulent account. Response was again very quick stating they were transferring my email to a specialist for review. 

Since the last email I have made several attempts at follow up with no response. 

I need confirmation first of all the second fraudulent account is indeed closed. Secondly I request that my information is flagged in their system so any attempt at opening new account is known as fraud and fraudulent.
Product: Debt collection

This is reported as an open balance. I have never been contacted via mail by this company. Whenever I get on my credit report, it seems to be a different agency.
Product: Credit reporting or other personal consumer reports

I have been affected by inaccurate information reported to creditors by both XXXX and Lexis Nexis in addition to working as criminals with bugs that they have in place in the Major Credit Bureaus, XXXX, XXXX, and XXXX. The inaccurate reports are costing me denial of services along with high payments for the least coverage in Auto Insurances quotes and Housing. I am a XXXX XXXX XXXX XXXX Electronic Harassment, Home Invasions, Vandalism, Identity Theft, Cyber Bullying, Financial Obstruction, Hacking and more by a Criminal Organization I am asking for you to please intervene on my behalf. The home recently sold under XXXX is paid in full. This is not being reflected as closed paid off on none of the credit bureaus. In addition, Lexus Nexus is reporting that I had an accident and have XXXX points on my driver 's license which is not true and proved by the Insurance company XXXX XXXX and XXXX XXXX. Theses lies are being reported to potential Car Insurance which is causing high quotes or denials. These Companies also are calling and requesting information on my credit without approval. I don't know these companies and request that they have no access to my financial information due to sabotage. Also these people are working with Moles in the 3 Major Credit bureaus to help sabotage my credit. Please Help NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is 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 ( Equifax, 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. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE UCC1-308
Product: Credit reporting or other personal consumer reports

experian has is still reporting information from XXXX XXXX XXXX in which its in dispute. They arent allowed to report anything if its under dispute and they have no email or documents stating its my account and the company of the creditor doesnti even exsitt
Product: Mortgage

I Sold my home and closed on XX/XX/30. The buyers financed through Vanderbilt Mortgage and Finance , Inc. Vanderbilt made distributions for the realtors, title company, and paid off my mortgage, which was also with Vanderbilt . Vanderbilt did not pay me the balance due to seller. It has been over a month. I have contacted vanderbilt by fax, phone, and email at least 25 times during the month. Also, through an attorney and through a XXXX XXXX XXXX complaint. They have not responded except to direct me to a different phone or fax number. They have not given an explanation for the delay or an estimated date the check will be mailed. 

A secondary concern of mine which they also have not addressed, is why is Vanderbilt paying by paper check through regular mail. I would rather receive an electronic deposit to my account. I feel that it is reckless to send a paper check for such a large amount through regular mail. I have also presented to Vanderbilt my concern about who the check will be payable to. My husband and I divorced and I purchased his share of the home and property as part of the settlement agreement, but could not have his name removed from the title of the manufactured home until the mortgage was paid in full. I have sent the document establishing this to Vanderbilt 4 times trying to get someone to assure me that this won't be a problem.
Product: Checking or savings account

My name is XXXX XXXX and I have been having difficulty opening an account with your bank for years. 
The account would open and then close shortly after opening. 
I do not have any difficulty opening an account with any other bank except Chase Bank. There is never any explanation for why the account can not remain open and this is very disheartening. I would love to have a Chase account since it is in the lobby of my place of employment and also across the street from my residence. Being a new mom, convenience is very important to me but also it makes me concerned that there may be some sort of identity theft as I have never had a Chase account. 

The lastest account number is XXXX.
Product: Credit reporting or other personal consumer reports

They have my name wrong my name is XXXX XXXX, and every address on the account is not mine my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

In XXXX of 2019 i sent a request to the company Innovative Recovery to get information on a claim for a debt owed. I sent XXXX certified letter between XXXX and XXXX of 2019. Company failed to send any information regarding this debt. I filled dispute through XXXX, XXXX, and XXXX  in which the company still failed to send any verification of debt. In XXXX of 2019 the company sent a letter of the amount owed but still not a single copy of proof of the debt. I contact several companies i may have done business with that might have a debt of this amount owed. In which i failed to receive anything showing this balance. I have contact the company and advised of the legal lays and request that they have failed to meet the federal guidelines regarding debt collection and verification. I have sent over several copies of legal documents requesting to remove this debt from my credit report for failing to prove the debt, for failing to send a copy of any bill relating to this debt. as well as the claims to take legal action against me, i have advised that will out any verification or bill i will not make any sort of payment or payment terms. I have sent 2 follow up letter by certified mail and company has refused to send any communication regarding the debt. While the credit bureaus claim the debt to be real no company will confirm any sort of bill reflecting this value and have continued to destroy my credit over the lasts year. I am contacting a credit attorney again to dispute this debt from Innovative Recovery and failing to follow any and all debt collection guidelines.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the bankruptcy reporting on my credit report and to request its removal based on information provided by the United States Bankruptcy Court and relevant consumer protection laws.

According to a letter I received from the United States Bankruptcy Court, the court does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. The letter specifies that " any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. '' The original creditor is the only entity that can verify or validate information. and in this case the original creditor says they do not report to credit reporting companies, so this inaccurate, unverified, and unvalidated reporting needs to be removed from my report. Based on the information provided by the bankruptcy court and the stipulations of the Fair Credit Reporting Act ( FCRA ), this reporting is inaccurate and must be corrected.

To assist you in your review, I have included a copy of the letter from the United States Bankruptcy Court for your reference and an image of the bankruptcy courts website as it appeared on XX/XX/year>. Please review my credit report in light of this information and take the necessary steps to remove the bankruptcy record from my file. There is absolutely no third-party with first-hand knowledge of anything. 
Please confirm receipt of this dispute letter and notify me in writing of the action taken to correct this issue within 30 days, as required by the FCRA. If you need any additional information or documentation from me to resolve this matter, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Good Afternoon, I had a debt through XXXX XXXX Bank ( Credit Card ), AKA XXXX  XXXX XXXX  that was transferred/sold to XXXX  XXXX  XXXX XXXX XXXX I moved a couple times throughout the pandemic, so never received any written correspondence that it was going to collections, but after some research, agreed that the debt and amount were accurate ( {$400.00} ) and ultimately paid XXXX XXXX XXXX the amount owed in full. That was on XX/XX/2022. I was notified around XX/XX/2022 by a company called Halsted Financial services that I still owed the debt and that they were acting on behalf of a company called XXXX XXXX. I contacted XXXX XXXX Bank immediately to see who actually owns the debt, whether it was sold or transferred, and a list of who I needed to contact to make sure 1 or any of these companies actually was acting on their behalf. XXXX XXXX Bank could not tell me who owned the debt, which I thought to be odd that NOBODY within that company could tell me who had the debt. I tried to escalate as high as I could to get a simple answer to no avail. I am still uncertain if I paid a scammed or an actual debt collector or if the debt was recycled. This is my first inquiry into the matter and hope I don't need to get legal representation, but also more than willing. I have attached Proof of Payment from XXXX XXXX XXXX as well as a screenshot of my Bank Statement showing the same date, company that payment was tendered, and matching dollar amount. Thank you for time and effort. 


***NOTE*** It would not let me list a 3rd financial institution below. That company is XXXX XXXX which is apparently the company that Halsted Financial Services was acting for.