23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with American Express. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered. 
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that XXXX XXXX XXXX had taken over for AMEX. In fact, when I called AMEX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to XXXX XXXX  XXXX. 

Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called XXXX XXXX XXXX  to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the XXXX XXXX XXXX office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest. 

Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. XXXX XXXX  XXXX finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to. 
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.
Product: Mortgage

The morgate company representative claimed their company could take over our taxes, and insurance payments, and we provide funds in escrow account. They never told us that once you do that you ca n't get out of payments to escrow in lew of payments for those things. They mis-representated themselves. I canceled their insurance and bought my own, they refuse to stop the escrow included in my monthly payments.
Product: Debt collection

I already paid them and they still are sending me letter that I did pay when in fact I did in this noticed I will be providing the receipts of payments done to them every month
Product: Mortgage

My name is XXXX XXXX and on XXXX XXXX, XXXX I was injured on the job. Since XXXX XXXX, XXXX I have not been working and only receive workers compensation checks of {$330.00}. My workers compensation lawyer, XXXX XXXX XXXX has sent XXXX XXXX a letter explaining my financial situation and my income. I have lost my vehicle, home furnishings and anything I had of value to try to pay my mortgage. 
On XXXX XXXX, XXXX I made a payment of {$810.00} to a Representative named XXXX my confirmation number was XXXX. I have been watching my checking account daily for this to come out of my account as I live day to day and keep a very close eye on every penny. Today I called and spoke with XXXX and asked about the payment I made on XXXX/XXXX/XXXX, she said that it had been deleted. Much to my surprise I asked why and she could not give me an answer. I asked if I could please make that payment again and to please note my account that I had made the payment on XXXX/XXXX/XXXX. 
I suspect that the payment was deleted because when I first tried to make the payment on XXXX, I spoke with XXXX and he would not accept my payment because it was only a XXXX month payment and he said that per their policy he needed me to pay two months. I told him that I couldnt pay two months as I cant forsee if I will have {$810.00} by the end of the month. I tried explaining to him numerous times that I am due a settlement here very soon and plan on bringing the account up to date. I asked to speak with a supervisor and while on hold I hung up and decided to call back and speak with someone else. When I called back and spoke with XXXX she immediately took my payment without a problem. 

This company calls me at least XXXX times a day. I block the number and they call from a different number. They send people to my house taking pictures and leave notices on my door. I have confirmed that I still live in this house and to not come back on the property and not to be taking pictures, however, they still do it on a monthly basis. Just a few days ago the man who came out here was armed with a weapon on his hip. I told him not to come back on my property. We have received up to XXXX letters a day from them. It 's ridiculous. 
I am paying Selene a payment every month, they will not take partial payments, or anything. I have explained over and over my situation. I dont like being behind on payments, and I have only 2-3 more weeks to go and everything will be fine again. I just want them to take my payments and stop harassing me. Besides a letter from my lawyer and me telling them what has happen to me I dont know what else to do. 

Thank you for taking the time to read my problemXXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit card

Someone had stolen my information and replicated my debit card. I noticed the same day because I check my bank account daily. Waited around XXXX weeks before calling Chase about it to follow up to give them time to investigate. Over {$6000.00} was stolen from my account. Long story short police report was filed, still waiting for approval to check bank footage at the location that this impersonator physically went to. Because this person used my PIN and I had my debit card on my person the entire time they were using my card. Bank basically denied my claims saying not sufficient evidence to prove it was somebody else ( aka I am lying ). None of my transactions in the history of having a bank account have I ever even withdrew {$6000.00} so to me how is that not a red flag to them!! I feel like they think I am lying and they refuse to give me a credit for the money or anything. Very frustrating.
Product: Debt collection

I contacted Tulsa Adjustment Bureau to try and settle this debt that they show on my credit report, only to be told I had several other debts that this company wanted to settle before they would settle the shown debt, the other debts were several thousand dollars or so they said. The problem is that they know these debts are both uncollectable and unreportable. Under Oklahoma statute 14A-5-107 and statute XXXX medical debts of 2 years or more are not collectable or reportable. I called them again and spoke with them on their recorded line and made them aware of this. They said they were within the law to try and collect these debts they are NOT! I am XXXX and live on a modest income and the Americans with Disabilities Act comes into play as well. They can not treat me differently than they treat a non XXXX person. They are not following the law in either case. This debt must be removed from my credit report. As it is unlawful after the 2 year time frame for this to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX, I have wrote a letter requesting VERIFIED Proof of Debtor or Proof of Undertaking, XX/XX/2023 XXXX # XXXX XXXX XXXX XXXX XXXX, Notice of default and opportunity to cure XX/XX/2023 XXXX # XXXX XXXX XXXX XXXX XXXX response has been received, I acquired my Credit Report and I have noticed wrong information on this account, and ask the Credit bureaus to make sure everything was completed and accurate according to 15 USC 1681i ( 5 ), I ha send a letter to TransUnion XXXX # XXXX XXXX XXXX XXXX XXXX, TransUnion has not modified or removed anything, this account is showing wrong information, By the FCRA the Report has to be accurate, and this report is NOT ACCURATE. Which is a violation, this is impacting from moving forward to grow my business
Product: Credit reporting or other personal consumer reports

This account is showing Negative late payments which is not accurate and need to be updated immediately CAPITAL ONE - Account # XXXX
Product: Checking or savings account

Chime closed my back account XX/XX/2021. I reached out to them asking for my remaining balance to be sent by check several times. I was not able to talk to anyone regarding this matter. I have been trying to figure out what to do. I'm hoping someone can help me get my funds or lead me in the right direction on how to move forward. I just want them to send my remaining balance that was left in mt account. I am aware that they can close my account due to their rules, process or procedures but I will not allow them to take my money from me. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I made a settlement offer with XXXX for XXXX payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my yearly free credit report on or about XX/XX/2018 via the XXXX website. I was able to get one from XXXX but there was a technical glitch when I went to get the ones from Experian and XXXX. I submitted a customer service request via the website form stating that I wasn't able to get the Experian or XXXX reports but I received a letter in the mail from Experian stating I had already received my free annual credit report. A date of my having received this report was not given. I rarely request my credit report. Perhaps every three years or so - I'm sure you can check that figure. I believe the date they claim I " received '' my credit report was the exact date I sent the customer service request email stating that I was not able to view, print or download the reports.
Product: Credit card

Performed balance transfer to other CC from a CITI Card. Transfer was posted to new credit card the day after due date of old CITI Card. CITI Card is now charging late payment and increased interest rate on remaining balance and new purchases even though they they had to receive payment from new card due to it posting the day after the CITI Card due date. CITI Card is now refusing to return charges and return interest rate back to normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX **In addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX *** duplicate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights -15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I send an opt out letter to Transunion, XXXX, and XXXX. On XX/XX/2022. I haven't got a response from any of the companies above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called all three bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to XXXX ( tracking # XXXX ) Experian ( Tacking # XXXX ) XXXX ( Tracking # XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) ** Dear Experian, I am writing to formally request the blocking and deletion of fraudulent accounts appearing on my credit file, as I am a victim of identity theft. My personal information was compromised due to the recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to have these accounts removed from my credit report promptly. 

The following accounts are fraudulent and were not opened or authorized by me : XXXX. XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I am providing the following documents to support my request : XXXX. A copy of my identity theft report filed with the FTC. 
XXXX. A copy of my government-issued identification ( e.g., drivers license ). 
XXXX. Proof of address ( e.g., utility bill, lease agreement ). 

I request that these fraudulent accounts be blocked and removed from my credit file. Please notify me in writing of the results of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Hello, the bank failed to honor a properly funded payment, by the time I realized this I was late on my payment about 20 days, I had to pay late fees and my credit standing with the creditor was affected. The bank now claims that I put a stop payment on the transaction as the reason for not paying it. I have never put a stop payment on anything in over 30 years. I have asked the bank to provide clarification letters for my creditor and my credit file and they refuse. In the last few months I have had several irregularities which never happened in the previous 30 years of the account, somebody please close this bank it has become a nightmare. Many thanks for any help you 'll provide.
Product: Payday loan, title loan, personal loan, or advance loan

the company called me to try to collect on a XXXX loan that someone applied for. I see there are some soft inquiries on my credit on XX/XX/2024 regarding this inquiry. It was not me. XXXX told me it was a $ XXXX personal loan someone took out using my info. They said they couldnt remove without a police report and want me to do the work to prove it wasn't me, when they should be proving it WAS me... however I have no need for a $ XXXX dollar personal loan. 

I need your help in getting this resolved before it damages my credit. Thank you,
Product: Debt collection

In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

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

I am including early warnings own letter to prove my point that they break the law 605B of the fair credit reporting act subsection C. 
Their claim in their own letter is XXXX says that their records are correct. The police proved XXXX is wrong. Police rulings are the end all rulings. No more is done on that particular issue when they close a case. 
Early warning says that they blocked that information over a 1/2 a dozen times. Here is where they break the law. Subsection C of the FCRA 605B, it clearly States there's only 3 reasons they can reinsert or decline the block of that information that they have already blocked. 1 is error. 2 is materially false information. XXXX is they can prove that I got goods or services or money from the blocked transaction. 
There are none of those 3 in existence because it's simply against a police ruling to say that there was. I want early warning to address this issue based on their own letter in response to my previous complaint. They will never deal with this issue because they are lying and they are breaking the law in cahoots with XXXX. XXXX a has refused to talk to me even after 5 more attempts since the previous complaint where I left messages for the people that were supposed to get back to me in XXXX of 2021. That bank won't deal with the facts from the police either. But this is about early warning they lie to you they say that my complaints are frivolous but how can a complaint that is 100 % correct be frivolous when they are the ones breaking the law and keeping fraudulent information on my file against the law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BLOCK , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions