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

This will be my final attempt to resolve this issue without counsel from a lawyer and contacting the media. It has been almost a year since I have paid for service that can not be rendered to me. I have contacted XXXX XXXX XXXX about XXXX XXXX and did exactly what was asked of me to do. I contacted XXXX XXXX representative for my case several times with no email or phone call back. She directed me to go back to tires plus and get my vehicle reevaluated and I did. I would have contacted Suntrust prior for a dispute but it is their policy to attempt to resolve the matter with the merchant first and overall that was my goal. 

This is my story. XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX for an Alignment on my XXXX XXXX XXXX. After picking up my vehicle I noticed it was not driving as I felt it should so I called, and the service manager told me they could not do the Alignment correctly because of a lack of specifications to my model. He told me I would have to take it to a XXXX dealership to get it fixed properly. I was stunned and contacted XXXX XXXX XXXX. I did not think I would have any issue having my money returned after all they did not properly align my vehicle and informed me, they couldntXXXX XXXX XXXX XXXX had XXXX XXXX reach out to me through their representative XXXX XXXX and she requested that I bring the XXXX back to have it looked at again, so I did and I let her know both by phone and email. I never heard back from her but I did get a new invoice from tires plus on what my XXXX needed in order to be properly aligned and that would cost over XXXX dollars. This is more than I initially paid for my alignment to begin with. After a stall with XXXX XXXX I decided to reach out to Suntrust to dispute the charge as I am not paying over XXXX for an alignment especially since XXXX XXXX  did not inform me prior to payment that they could not do the service without additional money. I provided sunturst with all of the information from XXXX XXXX XXXX and they asked for more information which I mailed in. After about a month I called, and they informed me that it takes 60 days to investigate my claim fully but about 2 weeks later they said that my claim was out of suntrust timeline and they closed my dispute. I have invested more time in trying to be refunded for service I havent received than it would take for me to just earn it. It is just the point that I paid for service that can not be rendered. I feel like I need legal help. I am attaching all files I can find relating to almost a year of fighting for a refund for service I still haven't recieved!
Product: Mortgage

i refinanced my mortgage on XXXX XXXX with Bank of America and i was told yesterday for XXXX of the banks when i was trying to get my principal reduction that my mortgage was miss handled by Bank of America. Even though when i tried to do my loan modification Bank of America told me i do n't qualify. Now my mortgage was transferred to XXXX in XX/XX/XXXX. I am in a trial payment with XXXX and i prequalify for the loan modification vs when I tried to do with Bank of America they told me I do n't qualify. 
I would like to have my loan review by the consumer finance. I have all the documents when i refinanced my mortgage with Bank America in XX/XX/XXXX. By the way my investor is XXXX XXXX XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

Here 's the situation .... I paid off a Chapter XXXX Bankruptcy in XX/XX/XXXX, and in XX/XX/XXXX went through the appropriate channels to be issued permission to purchase a new vehicle. 

The bankruptcy was discharged as of XX/XX/XXXX. The payments for the vehicle have, and still are being made ( account is current ) and were reported to the credit bureaus up until XX/XX/XXXX, and that's when I noticed the account completely disappeared off my report, like it never existed. I called and spoke with someone at XXXX and they advised me that because they had just received the bankruptcy discharge ( in XX/XX/XXXX - they said ) basically someone " dropped the ball, because it should have never been reported to start with ''. 

However, when we originally purchased the car in XX/XX/XXXX and had to submit all paperwork to XXXX XXXX, this was submitted and we spoke with someone at XXXX while at the car dealership, to verify that this would be reported and were told that yes, most definitely it would be reported to the credit bureaus. So basically now we are being told we will be paying a car note for the next 6 years that will not be reported to any of the credit bureaus, and that there is nothing we can do about it. All I want is for the account to be reported again to the credit bureaus ....
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/XXXX my business credit score was fraudulently impacted without any delinquencies on my companys credit report. Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Debt collection

MIDLAND CREDIT XXXX Date opened XX/XX/year> Balance {$700.00} Status Collection account. 

I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS According to 15 USC XXXX C, you have violated my rights by unlawful communications. Please remove this from my credit report. Thank you.
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.Futhermore, their deceptive, as they did not comply with error resolution requirments 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 violation,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed derogatory reporting on my credit reports by XXXX XXXX XXXX on XX/XX/XXXX. My dispute shows proof that I was never 90, 120 or 180 days late on my student loans from XXXX. During that time, I was XXXX XXXXXXXX XXXX  at University XXXX XXXX. I also had a XXXX Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that XXXX XXXX XXXX continued to show me late. In each loan, XXXX XXXX XXXX shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from XXXX XXXX XXXX and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!
Product: Mortgage

Due to the Covid 19 crisis I have been forced to work on an extremely limited basis. As a XXXX individual my income went to almost nothing during the month. On XX/XX/ another similarly situated XXXX friend called me and advised he had called his mortgage services-XXXX- and in compliance w/the Govts directive gave him an automatic 3 month forebearance and deferred his payments to the back of the loan-all in less than 1 hr. I called my services-Shellpoint Mortgage Servicing. Was on hold for 2 hours- and was then told 1 ) someone wd call me back in 7-10 days & 2 ) they  werent aware of the 3 month deferral out of necessity. I believe something should be done immediately before Shellpoint creates greater stress & hardship on borrowers who have no income coming in due to a crisis not of their own making. Its just terribly wrong. As w/XXXX  these problems can be resolved in an hour.
Product: Debt collection

We owned a piece of land in XXXX County, Texas for the last 10+ years. We paid taxes on time yearly. Someone suddenly claimed the possession of our land and won the ruling. The County courthouse judge issued the Final Judgment and granted them the possession of our property without looking at the fact that we have been paying tax for the last 10 years! However, XXXX County continues trying to collect taxes from us even though they said we are no longer owning it!!! We have called, mailed, and faxed them many responses explaining the issue with the judgment. We repeatedly asked them to stop abusing us with threatening letters to foreclosure and damage our credit. We told them we would file the complaint with your Bureau and they still do n't care. We have been stressed out and exhausted from those abusing from State Government Entities in XXXX County, Texas. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

Accounts with INCORRECT information below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Incorrect Addresses : All addresses are incorrect. The only address that is valid is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for immediate removal they also violated my rights under : 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021, I sold my digital asset- XXXX XXXX include transaction fee total amount {$6600.00} in XXXX dollar in XXXX with XXXX, the buyer used PayPal for payment, after I confirmed the fund was into my PayPal account, I released the digital asset to the buyer, after 3 hours later, the buyer file it as unauthorised transaction in paypal , I have provided PayPal all the proof that The goods have been released to customer, but end up PayPal said it is unauthorised transaction and took all my money and refund to the scammer, please help me, I have find both XXXX and PayPal XXXX XXXX freeze the scammer account but he already transfer out all the digital asset and they confirmed this is a fraud, for PayPal they just simply said I am not under seller protection and close case, I have made a police report to XXXX police force
Product: Debt collection

I pulled my credit reports and noticed that Amsher Collection was reporting an alleged debt owed to Charter Communications ( XXXX ) for {$280.00}. I reached out to Amsher multiple times in writing to dispute the validity of this debt. They have only sent a billing statement from Charter Communications, but I never had those services activated at XXXX XXXX XXXX, XXXX, NC XXXX. 

I don't understand how I am being charged for services that were never active. Amsher wouldn't know that because they are simply collecting on behalf of Charter Communications, which is extremely frustrating. I have requested that Amsher cease collection and send the debt back to Charter Communications, but they have ignored my request and continue to attempt to collect on this invalid debt. 

Despite sending XXXX dispute letters, Amsher has continued to ignore my demands. I have requested they furnish additional documents or proof that I owe this debt, but they keep sending the same billing statement, which does not validate the debt 100 %. 

As a frustrated consumer, this account has caused my credit scores to drop, and on top of that, the company can't properly validate it. How is it fair that my word is against theirs when the only thing they have is a billing statement that doesnt prove the debt is mine? 

I demand that this account be removed from my credit reports immediately and that Amsher cease all collection efforts on this invalid debt. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft, and I believe an account was fraudulently opened in my name with XXXX XXXX Creditspecifically, a XXXX  cardwithout my knowledge or consent. Unfortunately, I do not have access to the account number as this account was opened fraudulently. I am requesting your immediate assistance in resolving this matter. 

Here are the key details related to this issue : Actions Taken So Far : I have reported the fraudulent activity to the Federal Trade Commission ( FTC ) and filed a police report with my local law enforcement. Copies of these documents are attached for your reference. 

I have contacted the credit bureaus and placed a fraud alert on my credit report to prevent further unauthorized activity.
Product: Credit card or prepaid card

XX/XX/XXXX : Bank of America claimed a {$600.00} CC payment check from me, dated XX/XX/XXXX, had been " not been received. '' It charged a {$25.00} late fee on XXXX account. 
XX/XX/XXXX : That check was replaced, and the total credit card outstanding balance ( approximately {$790.00} ) paid, by bank transfer from our account to Bank of America. 
XX/XX/XXXX : The credit card account was closed, all agree, with zero balance. 
XX/XX/XXXX : Bank of America endorsed and presented the long- '' lost '' check for payment to my bank, XXXX & XXXX ; it was paid despite being a stale check. ( I had requested it be stopped, but apparently from my not going to the branch to sign a form, it was not. ) XXXX XXXX, XXXX : I got XXXX & XXXX bank statement and contacted BoA customer service ; call was escalated ; I was promised repayment in " 2-5 business days '' and was asked for my bank account info so that BoA could transfer {$600.00} to my wife 's and my account. 
XXXX XXXX, XXXX : No funds returned by BoA in 9 days. Received instead ( by mail ) a XXXX statement, for period supposedly ending XXXX XXXX, XXXX, showing a {$600.00} " credit ''. Our BoA credit cards were long since destroyed, no way to use this " credit '' even if the account were open. We have no other relationship to Bank of America. 
XXXX XXXX, XXXX : I visited my bank and the XXXX XXXX XXXX branch manager called Bank of America with me, was told the CC account " is closed with a {$600.00} credit ''!! BoA representative said the {$600.00} would be returned in " 1-2 billing cycles ''. I protested their keeping this fraudulently acquired money for three months XXXX XXXX XXXX. Call was again escalated. My branch manager was promised return of the {$600.00} in " 1-3 business days '', and an immediate fax of confirming document. 
XXXX XXXX. No fax to XXXX & XXXX bank branch manager. No {$600.00} returned to our account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - tied up XXXX XXXX  XXXX Balance Owed : {$0.00} - tied up XXXX XXXX XXXX Balance Owed : {$0.00} - tied up
Product: Credit card

I submitted a dispute through Chase for concert tickets because XXXX never made a mention of an obstructed view when I bought them, only to have an obstructed view when I got there. 

XXXX said they dont provide refunds and Chase said the charge was valid, so I lost the dispute. 

The problem, however, is that on XX/XX/, I was provided the credit for this dispute. On XX/XX/23, I called Chase to ask about the status of my dispute as I wasnt sure what the sudden money in my account meant. 

The Chase representative told me I had won this dispute and that the decision had been made on XX/XX/. I asked if I could therefore receive the money to my checking account and they said yes. Two days after that, on XX/XX/23, I received an email asking me to confirm that Id like to receive the money to my checking account, if not it would be sent as a check. 

If this was a temporary credit, why was the money released this way? Additionally, the Chase representative told me I won the dispute only for another representative over a week later to tell me I had lost. Their incompetence has caused extreme stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 AT XXXX EXPERIAN RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION XXXX I NEVER RECEIVED A RESPONSE FROM EXPERIAN. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO EXPERIAN.COM/UPLOAD. ON XX/XX/2020 I RECEIVED AN UPDATE FROM EXPERIAN THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED XXXX XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE XXXX DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.
Product: Mortgage

I am selling my home ; we have a closing date for early XX/XX/XXXX with the Mortgage being paid in full. The Company is aware of why I was behind due to XXXX XXXX XXXX and XXXX  that came about while on XXXX XXXX Military. The first issue is I refinanced through this company, and they promised that my payment would lower to help in this hardship. 6000.00 + later added to my Mortgage and now I'm paying XXXX more than my original loan. I call to speak to the department and they can't explain why. Later after complaining enough they said to change home insurance companies that I could possibly lower it that way. I changed companies. Months later, I keep getting mail from my home owners insurance stating that their not receiving payments. I contact my mortgage company ; they put me through to the insurance dept. They told me they are paying it to disregard. I received 6 more letters, and spoke with my homeowners insurance ; they said they are not making payments. Called my mortgage company ( Pacific Union financial ) again during the time frame of those 6 letters. They said again disregard we're making payments. Long and behold my homeowners insurance cancelled and I was not notified, and went 3 months with no insurance. So XXXX XXXX  ( who I had ) then told me they couldn't reinstate me do to the gap. Had to go with another company and my payments skyrocketed. Contacted Pacific Union again, and just like before they play stupid   and say not sure why we made payments. When I ask for corporate my rude acct mang XXXX says she is corporate. So, the most recent problem was what made me furious enough to file a formal complaint. I set up a payment to automatically come out for XX/XX/XXXX, with XXXX. I called in to cancel it, and she said she will not allow me to!!!!!! She said we are taking it out, I said I do not give you permission to do so know. Then she mocked me and laughed at me over the phone, and said do you forget the talk and call we just had days ago when you set up payment. What she would not allow me to do is explain why I needed to cancel it. She said its coming out and I will not stop it, and the only way you can stop it is through your bank!! My home is selling, and I had an issue with my health insurance and I got a XXXX XXXX  removed off my XXXX  on XX/XX/XXXX.  My XXXX is now XXXX, and I have to pay full cost for a XXXX XXXX, and the specialist appointment to get this handled. This was the situation that changed. I am astonished on how rude and unprofessional XXXX, my account manager is! I think that telling a customer that you refuse to stop there automatic withdraw is against regulations and procedures of a mortgage company! I think that this Company needs to be looked at with a fine tooth comb, because they are clearly not following protocol. My mortgage will be paid in full in a matter of weeks. I did not deserve that treatment.
Product: Debt collection

DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH XXXX. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME CEDARS BUSINESS SERVICES. I TOLD THEM THAT I DID NOT OWE XXXX ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED CEDAR BUSINESS SERVICES AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT XXXX SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.
Product: Credit reporting or other personal consumer reports

In my fourth and final attempt to rectify the inaccuracies in my consumer report, I emphasize the critical role Consumer Reporting Agencies play in fair credit assessment. Without my explicit consent, disclosure of my information violates 15 U.S. Code 1681b ( 2 ), leading to identity theft allegations under 15 U.S. Code 1681c-2. Moreover, the accounts in question are unrelated to my transactions, and Opt-Out disclosures were not fully disclosed, as required by law ( 15 U.S. Code 6802 ). If not resolved, legal action will be pursued under 15 U.S. Code 1681n for willful noncompliance, demanding prompt rectification within legal bounds.

Here are the following list of inaccurate items on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Capital One and XXXX has caused significant legal problems. I contacted them for money for my trouble in the amount of XXXX also money paid on fraudulent credit cards. 

Please