23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters on two separate occasions back to back on XX/XX/2020 and XX/XX/2020. Here it is XXXX and I have yet to get a response. What is going ton? this is against the law and willful non compliance. I want these items deleted per the FCRA. Im not no lawyer and im not about to quote all that legal jargon in this complaint. However I want this stuff removed immediately. Are you blatantly aiming at me and trying to take me out? What is going on.
Product: Credit reporting

On XXXX/XXXX/XXXX XXXX admitted they open a claim up on me in error, it been affecting me getting homeowner insurance and have my rate extremely high to do damaging my XXXX report, which a clear violation of FCRA which is govern by FTC. Foremost send me a letter out admitting it was a error, but XXXX failed repair to reporting on his XXXX report its been 18months of get denied and being embrass because denial. In XXXX XXXX XXXX XXXX place XXXX claim on my history and a XXXX and XXXX on my file in XXXX XXXX and XXXX XXXX these claim were only supposed to be XXXX claim which Texas Insurance Commission agree via by accept my complaint against XXXX XXXX. Only XXXX claim was filed which was XXXX XXXX XXXX and since I filed a claim which insurance commission it was a tactic to make me pay higher rates or be denial coverage.
Product: Credit card or prepaid card

3/16/22-Purchased a Serve Prepaid Visa Card from XXXX # XXXX. The card was not activated in store, however the payment was taken. 

XXXXSent a fax to XXXX with requested information ( card package, activation receipt, drivers license, picture of the card, mailing address, phone number ). This is shown in " Incomm_Fax.png '' and " Serve Activation.docx ''. 

XXXXFollowed up over phone, was told to follow up over email through XXXX. I have not received a reply since. This is shown in " Incomm_email.png '' XXXXFollowed up over phone. Was given the same options and since those have been exhausted, the rep said there was nothing they could do.
Product: Debt collection

XXXX XXXX XXXX XXXX ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/XXXX/XXXX letting me know that the law firm was representing Capital One for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to XXXX XXXX XXXX requesting in writing a certification of the debt from the original grantor ( Capital One ). XXXX  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and XXXX # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and XXXX. I file a complain with TX XXXX XXXX XXXX, XXXX XXXX not give my information to any XXXX unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my XXXX because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
XXXX XXXX XXXX file number is XXXX
Product: Money transfer, virtual currency, or money service

I talked to my daughter before XXXX and told her XXXX send her some money for herself to enjoy the day, but on my wifes phone! When XXXX XXXX came I communicated with her via-text message having the wrong number. The person with that number now portrayed to be my daughter and sent me a different cash app name which I assumed she rather me send the funds there for her for easier access in a way. After an hour or XXXX I was notified from my daughter she hasnt received the funds. We then figured out the problem with the miscommunication of the wrong phone number I texted assuming it was my daughter. I ask that person with my daughter old phone number to send the funds back and that person never responded. I requested it back and still no response. Ive done it several times attempted to get my funds back and nothing happened. Ive contacted cash app support and supposedly live agent and nothing was resolved. I was denied of this situation from cash app.
Product: Debt collection

I did not consent, nor benefit or authorized any of the following accounts : Comenity Capital Bank - Account # XXXX - {$1100.00}
Product: Credit card or prepaid card

Comenity bank has had its payment system down since at least XX/XX/2022. I have attempted to make a payment regarding my XXXX 's Mastercard I have with this bank on multiple occasions since this date. They have a new easypay system that does not work and and you get a " Page Not Found '' error and to contact customer service. When attempting to contact customer service, via phone, you get another message that they are " experiencing a phone outage and can make an online payment at comenity.net/easypay. '' Yet going back to my previous statement this system is not working. 

Consumers are unsure if their data has been breached or when this issue will be fixed. The company keep posting the same message via XXXX, not emailing actual consumers of the ongoing issues. If someone does not have XXXX they would not know what was going on. 

They did post that late fees would we waived for people whose payment were due from XXXX XXXX XXXX and that inability to make a payment will not effect credit scores, via XXXX. I certainly hope that this companies lack of responsibility to its customers truly does not effect my credit score and effect my ability to buy a home in the coming months.
Product: Mortgage

I closed on my home on XXXX/XXXX/2016. My mortgage was paid in full with dovenmuehle mortgage under loan XXXX. The mortgagee did not post the payment until XXXX/XXXX/2016. I then submitted a change of address in writing with Dovenmuehle on XXXX/XXXX/2016. After not receiving my refund I called back on XXXX and I was told the address change was never received. However they gave me the exact same email XXXXXXXXXXXX to send it back to. Therefore, I filled out another change of address and sent it back. I was told I had to wait 30 days for them to reissue another check which I found unreasonable but I did wait until XXXX. On XXXX I was told it would be another XXXX7 days to research if the check had been cashed. So I called back on XXXX to see what progress had been made. I was told the 5-7 days was not up and that once they verified the check had not been cashed they submitted a request to " cut the check '' which takes XXXX7 days and from there the check then goes out another XXXX7 days later. I verified this by asking the rep, " so it will be another 14 business days? '' She said that was accurate and that 's when I said this was unacceptable. I pushed through XXXX different supervisors. Someone did not put me on hold properly and I witnessed the rep 's discussing how difficult I was being. Then a supervisor got on the phone and said they would try to direct deposit the refund in 72 hours. We will see if that happens but I have my doubts. I am going on 60 days since I closed my loan and this mortgagee still has my {$2900.00}!
Product: Money transfer, virtual currency, or money service

I was the victim of a scam and was part of the Western Union settlement where they were to forfeit $ XXXX to victims like me. I have been unable to get my {$160.00} back. 

I feel WU is often used to launder money and for criminal gangs and that they are complicit. I'd like my money back.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you
Product: Mortgage

In mid-XX/XX/2018 we began the process of applying for a home improvement / cash out refinance loan to replace the roof on our home. 
We approached our current mortgage holder - XXXX XXXX - and our local bank where we hold our accounts - Chase - for their best rates. 
XXXX. XXXX offered us very favorable terms, but when we presented these to the Loan Officer at Chase he agreed to undercut their fees by several hundred dollars. 
We, therefore, opted to proceed with our application to Chase. 
In early XXXX we proceeded with the application, income verification and appraisal process. 
The Chase XXXX XXXX indicated that we had been tentatively approved. 
Late in XXXX, however, the Loan Officer phoned and informed us that Chase would not make the the home improvement loan because the home needed some repairs - namely the roof - which we had indicated was the purpose of the loan from the beginning of the process. 
After several days we had not received any notification in writing about their adverse decision. I spoke with the Loan Officer who indicated that a letter would be forthcoming. 
A couple of days later we did receive a letter from someone we had never met nor dealt with who indicated that he 'was sorry that we had withdrawn our application. ' We did not withdraw our application. I spoke again with the Loan Officer who, once again, assured me that the proper letter would be forthcoming. 
Today, XX/XX/XXXX, I received a letter in the mail - again from the same fellow who we have had no dealings with - stating that we had withdrawn our application. 
Let me state unequivocally that we did not withdraw our application either in writing, verbally, expressly or otherwise. They simply have turned us down. 
Despite several attempts on the phone and by email we have attempted to get Chase to provide us with the required letter explaining the reasons for their adverse decision. They seem unwilling to provide one - we can only speculate as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that you, the CFPB, investigate into a matter on my behalf, and I believe that I did not receive a fair and equitable solution with regards to confidentially or accuracy per 15 U.S.C. 1681 ( b ). Equifax has stated to me, and you the CFPB, that they have " verified '' that the disputed information belongs to me, and that the information reporting is 100 % truthful and accurate. I disagree with said results. By the way, I never consented to XXXX  verification, and do not consent to XXXX  being used as a method to verify information going forward. I would also like to now request any and ALL physical documentation that Equifax used to verify the following disputed information for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SAME ACCOUNT REPORTING TWICE!! HOW?! ) ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I also previously informed you that Equifax ignored me, and did not respond to multiple disputes upon proof of receiving them. 15 U.S. Code 1681i is the most basic law out of all, and they did not follow this. That alone is grounds for removal of the disputed information!! Equifax did not decide to move forward with my disputes until I involved you, the CFPB, to handle my request. I also informed you, the CFPB, as to which laws were being violated, as well as the reasons why, yet, you did nothing. I also informed both you, the CFPB, and Equifax, that my private nonpublic information is being shared with Equifax by these financial institutions and collection agencies, -which I did not consent to. This is against the law! You did nothing to ensure the protection of my personal information! There were several violations, but you, the CFPB did not have Equifax remove the data for any of those reasons!! How could Equifax be following the law when companies like " XXXX XXXX XXXX '', " XXXX XXXX XXXX '', AND " XXXX XXXX XXXX '' are still reporting!? Explain to me how they also obtained my personal information!! How did they obtain my social security number and other data to be able to furnish information onto my credit report??? Who gave it to them? Where is the documentation? CFPB, why are you allowing this to happen??!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I opened a dispute with several accounts with XXXX explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXX  XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I am financing a 2019 XXXX XXXX I purchased from XXXX XXXX in XXXX. My contract and vehicle have the correct VIN but XXXX XXXX who did the financing has a completely different VIN listed. I have contacted them several times only to get no resolution. I am told I can not speak to a manager and managers can't call out or email to customers. I am paying for a vehicle that does not match the vehicle I am driving. The VIN on my contract is the VIN of the vehicle I am driving. I am in financial hardship and need to sell the vehicle ASAP.
Product: Debt collection

my social security number was stolen and several energy accounts were opened under it in Texas and they keep showing up on my credit report as a collection account.
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 ( 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 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: Credit card or prepaid card

Citi has closed my double cash card account in retaliation for me withdrawing my deposits and closing my checking and savings accounts. They have closed my account without notifying me and without just cause. They have revoked my access to make payments online, and refuse to send me statements. When I call the number on the back of the card to make my payments, their automated system malfunctions and does not allow me to make my payments. 

Since I am not receiving my statements, can not pay online, and can not pay over the phone... I have no way to keep this account in good standing. 

This is purpousful action taken by citi to try to destroy my perfect credit in retaliation for me cussing them out and insulting their intelligence. 

Thay have repeatedly claimed that they will no longer respond to these complaints that I'm lodging, yet continue to respond telling me that the problem is mine to fix, seemingly for the purpose of taunting me. 

Citi has been unreasonably lazy in their " efforts '' to resolve this situation and are refusing my payments. This complaint is intended to put on record that I have repeatedly attempted to pay my bill, which was due yesterday, and that Citi is refusing my payments.
Product: Debt collection

I don't owe this debt from XXXX XXXX fraud
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 168IC ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit card or prepaid card

XXXX XXXX XXXX card has put charges on my card several times without me having purchased anything. Every time I call they say its a computer error. I just started catching it but I dont even know how much money they have take from me due to computer error. Every time this happens its also a lengthy process to bring my account balance current.