23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to your company to please help me protect my rights under the " Fair Credit Reporting Act, 15 U.S.C. 1681 '' " FCRA '', " Fair Debt Collection Practices Act '' " FDCPA '', Fair and Accurate Credit Transactions Act or any & all other Acts that are enforced by the US Federal Trade Commission & or Consumer Financial Protection Bureau. 
I have written to inform both companies on XX/XX/2016 that XXXX XXXX XXXX , XXXX & SYNCB/SAMS CLUB are both reporting on the same debt for XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & Original Account Number XXXX Sam 's Club Personal Credit Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX. I have been trying to work with XXXX XXXX XXXX , XXXX and now have found myself being stopped from working out any agreements with these companies do to a Attorneys Block on my account that have been put on my XXXX Account XXXX XXXX XXXX XXXX. I have spoken to XXXX XXXX XXXX on XX/XX/2016 a few times. 
I have been told that no one from this company can or will speak about this account do to attorney block being put on this account by XXXX XXXX XXXX. I have been told that the only way to be able to speak to anyone about this account is to send them a letter stating that I am/will not use attorney regarding this account. I have repeatedly told XXXX XXXX XXXX that I will not give up my right to have legal representation. I have repeatedly requested information in writing and have only received letters from this company asking for my attorney 's information or telling me that they have opened investigation. I have never received an answer regarding any of the question 's ask of them. 
I have asked for debt validation, Proof that this company owns said debt, Proof of actual debt amount, Please proved any legal documents of proof of debt that legally authorized this company to collect debt. 
I have given XXXX XXXX XXXX 30 days to hear back with answers to these question only to fine that XXXX XXXX XXXX has only put a attorney block on my account so that I may not resolve this contentious matter.
Product: Mortgage

After Specialized Loan Servicing Stole {$2000.00} from my escrow account I made the decision to re finance in order to get away from them. 

My new mortgage company XXXX XXXX requested the loan payoff amount.

Specialized Loan Servicing sent a higher payoff amount than it should have been, Giving the impression that they are trying to steal another {$1100.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy is being infringed upon according to 15 USC 1681 ( 4 ) with this reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see the contract.
Product: Credit reporting or other personal consumer reports

I had some negative items on my credit report that I needed to remove, so I decided to use the services of Lexington Law. While I appreciated their efforts to clean up my credit report, I encountered issues with their subscription model. Initially, I signed up for their {$99.00} per month plan, but I found out later that additional charges were added to my bill that I wasn't aware of. As a result, I had to pay more than I expected, and it caused some frustration on my end. I am planning to file a complaint with Lexington Law to request a reimbursement for the additional charges that were added to my account without my knowledge.
Product: Debt collection

Southwest credit XXXX are still hurting my credit even though I already paid it off and it 's been four months. I want this to get fix ASAP because it 's holding me back on purchasing necessities in my life.
Product: Checking or savings account

I bank with Bank of the west in XXXX oklahoma. Have for a long time. Been at this site for about 35 years. Never had any problems until XXXX XXXX got involved. They are based out of XXXX XXXX. Over the last couple of years they have moved things around on my account from day to day so as too be able to charge me fees. For example just 2 days ago I deposited XXXX dollars. Showed it was in my account. Then the very next day they did not credit my account with XXXX  dollars of it and switched some things around so as to charge me 4 fees. This stuff has been going on for at least a couple of years. They have ripped me off of probably XXXX  dollars or more. Not to mention all the interest played out on other loans trying to keep up when they constantly overdrive my account. Much less the XXXX XXXX  and XXXX If this is not fixed I will be filing a lawsuit against them. My state representative for the state and also my representative in the oklahoma house will be made aware of this. Will need to be investigated. Not really sure if this is just going on at our branch or if it more systemic across the board at all of the bank of the west locations!!!!!! Feed back required.
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 proce 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 20 ) financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

In XX/XX/2022, i discovered that the check that i has sent to pay my property taxes never arrived to the Tax Collector. 

Check amount : {$1.00}, XXXX- Chase Bank- check number XXXX in fact the check was stolen, altered and cashed by another Chase customer, in my own neighborhood branch. This information was given by Chase customer service when i filed a claim. the first name on the check was whitened out, replaced and the last name of the Tax collector was changed. 

Chase knows who cashed the check : the woman is one of their local client ( same branch i filed a claim into ). But, under pretext of privacy, Chase does not want to take any action because, according to their rule, the time limit for complain is over.

they are helping a thief instead of a senior and honest customer.

i have tried numerous avenues, claims with Chase, filing with the police and then Sheriff nothing worked yet what can you do?

WHAT IS THE FEDERAL RULE? the sheriff told me that the bank is responsible, having to check, verify the order of the check, before paying it, especially for such an amount. 

thank you
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated in XXXX of 2015 with a {$32000.00} loan. I 've been paying {$400.00} a month for the last 2 years and my balance is still {$30000.00}. How is it that I payed more than {$9600.00} thus far and my balance only went down a couple of thousand??
Product: Mortgage

For the months of XX/XX/XXXX and XX/XX/XXXX I attempted to pay my mortgage via phone. I went through all the steps necessary to pay by phone for the XX/XX/XXXX payment. I even got a confirmation number and an email telling me my payment was received. A few days later i went to check my account balance and I learned that the XX/XX/XXXX payment was rejected because PennyMac gave the wrong name of the account holder. My mother used to be on the mortgage but she passed away in XX/XX/XXXX. PennyMac used her name to get paid by my bank. I was forced to take a day off to fix the situation. Despite telling PennyMac on numerous occasions to take her name off the new mortgage they have not done so. Again the same thing happened when I went to pay the XX/XX/XXXX mortgage.

I was able to pay the mortgage until the recession of XX/XX/XXXX. I went through a NIGHTMARE to get PennyMac to modify my mortgage. The law firm they hired gave me XXXX. They also told CT bar to spread the word to attorneys not to take on my case because i was a dead beat debtor. i was stupid enough to seek assistance from a Congressman 's office. They offered no help and may have revealed my financial information to my neighbors who kindly told me I was bankrupt and they wanted to buy my property. I survived this XXXX and PennyMac is still engaging in all kinds of violations of the FDCA. Apparently, they are purposely using my mother 's name so they can find out if I have a cell phone so they can tell the police. Please see attached documents to understand police involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15.U.S.C 1681 section 602 A : states the rights to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In XXXX I was set to appear in magistrate for debt but was never served any paper or notice. Commonwealth Financial Systems stated that I was notified at XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX was who entered my appearance and also worked for this debt collector. She signed the original filing docket as the plaintiff, but appeared on my behalf without CONSENT, the continuance request she asked for was XX/XX/XXXX. I was not notified nor present. I was in XXXX colleges dormatory. 
In XXXX of XXXX I received a letter from Commonwealth Financial Systems stating their intent to collect. I contacted the original magistrate and was informed this judgement was expired in XXXX. An attorney said to ignore the letter due to it not being sent certified mail, or by constable. 
The next letter stated a sale of debt to XXXX XXXX in XXXX XXXX Georgia. Where one again XXXX XXXX XXXX appeared for me. I was not notified. XXXX XXXX XXXX deputy XXXX XXXX and I corresponded and this document of sale does not exist in Georgia. 
Commonwealth Financial Systems was able to have {$8400.00} taken from my savings account at XXXX XXXX without my knowledge nor consent of these intentions or legal disclosure. I was not notified to have any ability to defend myself by any of the acting parties. 
The debit in my savings account statement was listed as Commonwealth Financial Systems. However the writ received by XXXX stated XXXX XXXX XXXX XXXX who are not a law firm, who did not file any court papers, but XXXX XXXX XXXX XXXX is the person on my bank statement. 
This law group is performing shady practices and somehow being able to get away with it. 
I have every single piece of paper from the courts, counties, and states ( which I was not residing in, or never resided in ). 
I want their Barr license removed, I want their inc investigated, and I want my funds returned. I am as a United States citizen guaranteed a fair trial or means to defend myself. 
They never even had an account number for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 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 statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Debt collection

I made a purchase from XXXX XXXX XXXX in XX/XX/XXXX, I lost my employmentXX/XX/XXXX In XX/XX/XXXX I negotiated a settlement with Conn 's and set up for payments to be deducted from account to settle the debit. File number XXXX  the payments were Debited from my account by Conn 's on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXXfor XXXX   XX/XX/XXXX for XXXX  &XX/XX/XXXX for {$110.00}. I spoke with Conn 's in XX/XX/XXXX and requested if the final payment could be split into 2 payments and I was advised that this could be done and it was set up for the final payment to be deducted in XX/XX/XXXX. I spoke with Conn 's after the final payment was completed and was advised that I would receive a paid in full statement in a few weeks. In XX/XX/XXXXI was contacted by a collection agency that my account had been sent to the by Conn 's, I advised them this account had been paid in full through a settlement with Conn 's. I sent proof to the collection agency who filed a case with Conn 's but per XXXX XXXX of XXXX XXXX Conn 's never contacted them back to settle the account. InXX/XX/XXXX I spoke with XXXX from Conn 's legal department and was provided case # XXXX and told this would be cleared out it is now XX/XX/XXXXI spoke with XXXX in the Corp Customer Service office and was advised that he had requested a close out on XX/XX/XXXX and he would add to the case to get more info to allow another 2 weeks. This is on my credit report and is affecting my credit score, this debt was paid but it looks as though it is not and Conn 's is doing nothing to correct this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Activity 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.
Product: Payday loan, title loan, or personal loan

I Signed a contract with XXXX for a loan and the amount financed was {$2700.00} on XX/XX/2022. However, they sold the company to SST, system & services technologies , inc and the total amount I was given, was {$1300.00} deposited into my checking account. I made an total payment of {$1400.00} towards the loan and told them since I wasnt given the full amount, I want out of this contract. Nothing shows my payments being applied because they are charging me 26.99 % out of the {$2700.00} in interest and again I only received {$1300.00}. Please investigate this company as everything is confusing and I want out of this contract.
Product: Checking or savings account

At XXXX in XXXX, I opened a Wells Fargo Bank account with a checking and savings account. Additionally, I had a business account for my business starting in XXXX which was in good standing. In XXXX I was admitted to the hospital with an XXXX XXXX XXXX XXXX. Following my hospitalization when I returned to my job at XXXX XXXX I was wrongfully terminated because of my leave of absence hospitalization with doctors still not sure what my medical condition was at that time. 

During that time I was very ill, and still, no diagnosis of why I was so sick with multiple hospitalizations in that time frame. After so many years of suffering finally, in XXXX I was hospitalized at XXXX and had numerous tests and exams performed that revealed and diagnosed me with XXXX XXXX. 

I received XXXX XXXX money from XXXX until XX/XX/XXXX when it expired. After my XXXX expired, I had no income for food, clothing or shelter. EDD XXXX manager instructed me to file for Social Security as I had no idea something like this existed. My case was pending from XXXX until XX/XX/XXXX. 

While awaiting my social security, I notified all my creditors and communicated my medical situation and condition as I could not work. 

I am responsible as I always paid my car payments on time with XXXX XXXX, XXXX, and XXXX XXXX  ( I paid off all my previous cars in full on time ), and school loans on time to XXXX University, XXXX XXXX XXXX XXXX XXXX University XXXX XXXX and XXXX University, etc. 

However, Wells Fargo decided not to work with me and shut down my only bank account and credit card. 

Once I received my social security monthly check in XX/XX/XXXX, I returned to my previous bank Wells Fargo. To reopen my bank account with a direct deposit for my monthly social security check which they denied me. 

They refused for nearly one year to stall and delay refusing to do business with me.
Product: Money transfer, virtual currency, or money service

PayPal are holding XXXX for 180 days as they say I violated thier terms of use. I really need this money to feed my family how can I get it back?
Product: Credit card or prepaid card

Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Product: Credit reporting or other personal consumer reports

On an XX/XX/XXXX I decided to check my XXXX report and notice some fraudulent inquiries and two collections that I try disputing that they will not remove and I have a fraud alert on my account and I wasnt notify to verify my identity they did not follow to right protocols I want it removed
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Self financial.They are reporting inaccurate lates on my report.I agree that XXXX and XXXX was both 30  days late. XXXX was paid on time but showing 60 days late. XXXX is not due yet but showing 60 days late as wellXXXX and XXXX is definitely inaccurate reporting. Ive disputed this many times and even talked to a supervisor in which she agrees on the inaccurate reporting upon receiving my payment statements and has escalated this matter.All of my disputes as come back remaining the same.They are still reporting inaccurately which is in violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been incorrectly reporting payment history to XXXX, XXXX, Experian, XXXX since XXXX. 
I have submitted countless reports to CFPB, XXXX, XXXX, Experian, XXXX, and XXXX for the last 3 years. XXXX is the only company to do anything about it. It's obvious that XXXX is mixing my account with someone else. During this same time frame, XXXX  had my birth year as XXXX ( has since been corrected ), Experian has an alternate name of XXXX XXXX listed RIGHT NOW. Several inquiries that are not mine, addresses in California and Kansas that were eventually removed.
Product: Bank account or service

We refinanced our home with Bank of America. Last week we received an escrow refund check of $ XXXX+ and I went to deposit it at the ATM. The ATM did not process the check and would not return it. I contacted the bank when it opened and filed a claim. They said they would give me a temporary credit and would make that permanent once they had investigated the issue, and that it " would n't take long ''. A week later I called to find out when the temporary credit would be made permanent. I was told that it would take up to 45 days to resolve and that I had access to the funds already. We do n't actually have access to the funds because if there is no error report with the ATM ( read : it ejected the check to another banker ), then they will take the credit back. They will not do anything to expedite real access to the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to XXXX to obtain all of my reports it would not let me access them. TransUnion froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from XXXX. XXXX said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXX XXXX XXXX and XXXX to rectify the situation and spent the entire talking to an automated system. According to 15 USC 1681j ( a ) ( C ) ( ii ) ( III ) my credit reports are supposed to be easily accessible.