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

Called previous and was told it would be fine to change my debt management pay date. All other credits did not report late. Changed due date on a Debt Management for two cards. 13 day difference XXXX XXXX at Capital one submitted for lates to be removed but during that time Capital One reported more lates and has not corrected. The two cards were finally reagged in late 2019. All thats needs to be done is correct the lates on both cards. 

XXXX XXXX left and no one else I have email including the CEO will do the right thing and finish correcting my credit bureaus with lates. 

Its really simple do the right thing. I have never missed a debt management payment and my score is way lower due to Capital one. This is a 5 year plan and I have 4 years to go and have never missed a payment.
Product: Credit reporting or other personal consumer reports

Experian refuses to update the XXXX XXXX XXXX account as XXXX and never late! I have said repeatedly that this account is not late! Every time that I have disputed, I receive a reply within a day stating that the information is accurate! How is that validated within XXXX hours at XXXX? 
Oh, right! Because a human is NOT doing the investigation!! 
This has been ruining my credit for months! 
How does a score drop XXXX points with NO EXPLANATION or VALID REASON? 
This has been happening as well!! 
Your E-Oscar is RUINING LIVES!
Product: Mortgage

I used an escrow company to close for a house purchase on   XXXX  -2016 in  XXXX , WA. I signed my paperwork in their office. I did not receive copies of what I signed. They overcharged me fees, and after closing, mailed my {$160.00} refund check to the incorrect address. They mailed it to my previous address, not the address of my new home I closed on that day. I never received the refund check or my paperwork. Now they are demanding to deduct {$45.00} from my refund for a stop payment fee for the check they mailed to the incorrect address. They said they do not have control over the United States Postal Service. I would like help in getting my full refund, and copies of my final settlement statement, and paperwork. In past real estate transactions, I received funds/refunds the day of closing at closing. They did not have a problem calling me when they needed something, however, they did not call me when I had a refund coming I could have easily picked up considering their office is less t han 2 mi les from my home. Something else is how Point Escrow 'price matched ' on their fees was deceiving. Their fee was {$1800.00}. I found a company whose fee was {$1500.00}. I appreciated the price matching, however, they only lowered my half of the fee by {$150.00}, instead of lowering it by {$300.00}. They said if the seller sent the price match in, they would lower it for his half. I thought since I found the price match, that my fee would be lowered by the full {$300.00}. It ends up I had to tell the seller about the price match, and provide the info to him to send in for the price match too. I had to ask him if he would reimburse me for the savings I found, or use it towards a professional cleaner for the house. Awkward, and of course, neither happened. Thank you!
Product: Debt collection

DIVERSIFIED CONSULTANTS, REGARDS TO XXXX ACCOUNT THEY ARE CALLING MY WORK, MY FATHER 'S CELL PHONE AND MY MOTHER 'S HOUSE PHONE. THEY DISCLOSED ALL THE INFORMATION WITH REGARDS TO THE DEBT WITH MY MOTHER AND FATHER. THEY ARE CALLING MY DAD AT WORK FROM THIS NUMBER XXXX. I ALREADY MADE PAYMENT ARRANGEMENTS WITH REGARDS TO THE DEBT. I DO NOT UNDERSTAND WHY THEY ARE STILL CONTACTING MY PARENTS, WHO HAVE NOTHING TO DO WITH THE DEBT. THEY ARE DISCLOSING SENSITIVE INFORMATION WITH OTHERS. MY FATHER JUST CALLED ME RIGHT NOW SAYING THAT THEY CALLED HIS NUMBER 4 TIMES ALREADY!! WHAT CAN I DO?
Product: Debt collection

I sent credence a debt validation letter on XX/XX/XXXX. 

They received the letter request on XX/XX/XXXX. 

I did not receive a response until today XX/XX/XXXX The letter is dated XX/XX/XXXX well outside the 30 day limit/window.
Product: Checking or savings account

On XX/XX/2023 I attempted to set up a savings account with Ally Bank. I was trying to fund a savings account with the amount of {$150000.00}. but due to some glitches and/or bad advice from Ally support team, this turned into a {$300000.00} funding. The second {$150000.00} over drew my external bank so it bounced back to the external bank right away but unfortunately the initial {$150000.00} which is my money even though i have been requested it be returned for a month has not been returned to my external bank. I have spent countless hours talking and chatting to Ally support team to get my funds returned to no avail. This is money I need for my life living so I am naturally very worried that Ally will not return to the money to my external bank. As its stands now Ally not only will not return my money but my money is in their bank but not referenced to me in an account leaving me no access to my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT 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  As a federally protected consumer I am demanding the deletion of the INQUIRIES listed IMMEDIATELY.
Product: Debt collection

I wrote to global check services regarding the extensive fraud that has occurred under my name and disputing the demand for payment that I continue to get from this company, and their response was to send information that I dont know how to get. They are requesting {$500.00} from me for online gambling for a XXXX XXXX  account that I dont have. This money should have never taken because my accounts were closed back in XXXX. I have attempted to resolve but are asking for a notarized affidavit of forgery. All I have is my FTC report # a submitted police report along with identity theft alert and locked credit reports. Im not sure what I can do to satisfy their requests and frankly I have been jumping through hoops and even obtained legal counsel since my bank did not follow regulation E when I noticed the unauthorized transactions on my accounts. They did not investigate until my money was stolen from my account. I have issued several statements regarding my banks misconduct only to continue to fight for my rights. I would appreciate any help you can give regarding my situation. I am failing when I continue to point out and explaining that due to their inability to follow regulation E my accounts would be in good standing given their decisions to not give me any money, since no investigation was done in the appropriate time frame. That the account in question with XXXX  XXXX  XXXX  should have never been an issue since this was part of many, fraudulent transactions that I had brought to their attention back in XX/XX/2020. Im not sure what to say about the account that is requesting that I pay since I am not sure how any money would have been received from the closed account. If theres any other way to get money from an account that was closed In XXXX, specifically the XXXX of 2020 that would be all for XXXX XXXX XXXX to explain, since I opened a new account, it has been compromised but they continue to refuse me my disputes. I have never used the new account that is also been closed due to money lost. I just dont understand how much I am supposed to lose that XXXX continues to refuse lawful assistance according to the EFTA/ FCA/regulation E and so many other consumer rights that are being dismissed.
Product: Debt collection

XXXX XXXX XXXX - XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX is attempting to colled the amoutt of XXXX USD ( XXXX ) treatment of XXXX XXXX - XXXX - this service was not provided ( 2 ) Office visit - XXXX - visit lasted only 20 minutes, the amount is way too much ( 3 ) Also charged XXXX dollars for XXXX XXXX which was not provided, I bought my own ankle support I called the doctor 's office several times regarding the services and charges. They promised to look into the matter and never replied.
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. Further more, thier 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: Mortgage

This complaint is new but related to our earlier complaint # XXXX. That complaint was lodged against XXXX Mortgage because it appeared that they were paid off by our new mortgage company in a refinance. I have discovered that XXXX did not receive the payoff as our loan was sold just prior to that event. The new mortgage servicing company for just a few days was LoanCare. LoanCare is the company which should have sent us the funds that were held in escrow for taxes and insurance. We finally received a check from them today, XXXX XXXX, 2016 but it is short {$46.00} from the amount shown on our last monthly statement. We are under the impression that escrow money is not something a company can just take any part of for themselves, but dedicated to payment of the homeowners ' taxes and insurance. Additionally, I ca n't imagine what they removed that amount of money for as they were well aware that they had purchased the loan on the first of XXXX, 2016. We have attached documents which clearly show what happened. Thanks, XXXX and XXXX XXXX
Product: Debt collection

I went to : Wells Fargo, to get {$5.00} in : XXXX, and {$20.00} in : XXXX. A Teller told me if I have an Account with : Wells Fargo, and asked me for my State of : California ID, The Teller told me that I don't have an Account anymore with : Wells Fargo.
Product: Debt collection

I have sent several certified letters, have tried to place calls and no one will return any information.The company has continued to call and threaten me as well as to me letters threatening to sue me. However they will not provide the proof that they said it was mine no paperwork showing my signature. XXXX XXXX XXXX has used illegal threat tactics in order to scare consumers into paying. Letter recieved on XX/XX/XXXX. Sent letter on XX/XX/XXXX no response after that. Sent a certified letter XX/XX/XXXX and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax entered two collections on my credit file on XX/XX/21 ( which caused my homeowners insurance company to raise my homeowners rate by {$400.00} due to credit rating issues XXXX. I discovered the entries on XX/XX/21 and immediately called Equifax to dispute the entries. The collections were for medical procedures in the Northeast U.S. I live in Mississippi and haven't visited a doctor  other than my family doctor in 10 years. Equifax should have identified that the filings were some type identity theft or error initially. They could not have had any contact information for me or they would have called or send bills. Equifax assigned a dispute number of XXXX. I followed the called in dispute with a certified letter. Equifax entered two disputes -- the original and another identified as XXXX. I called Equifax to determine what the second dispute was and they explained that it was a duplicate -- exactly the same as the first dispute. On XX/XX/21, dispute XXXX was completed and Equifax posted that " the item had been deleted from the credit file and actions taken to insure that it did not reappear ''. The collections were still in my file and dispute XXXX was still listed. When I called about this I was told again the the two disputes were identical and the second should have been closed also along with removal of the collection entries. I was told it would be done within a couple of days. That was over a week ago and they still remain. Meanwhile Equifax has sent a credit score of XXXX to XXXX where I have a mastercard account with a 5 % apr because of excellent credit XXXX my previous rating from Equifax to XXXX was XXXX XXXX. I spent over 50 years building an excellent credit rating which saves me money in many areas and Equifax is ruining it all in a few weeks with their failure to identify a clear case of identity theft or error!! This should not be allowed to happen!! In addition, this is the 32nd day since I reported this which is two more than allowed by section 609 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding closed accounts that are still being reported on my credit file. Pursuant to the guidelines outlined in the Uniform Commercial Code ( UCC ), specifically UCC 3-605, I am formally requesting the removal of these accounts from my credit report.

Under UCC 3-605, it is essential to ensure the accuracy and completeness of financial records, including credit reports. Closed accounts should not be reflected on a credit report as they no longer represent current financial obligations.

Pursuant to the guidelines outlined in the 15 U.S. Code 1681, I believe it is essential to ensure the accuracy and fairness of credit reporting.

As per the Congressional findings outlined in the aforementioned code, it is recognized that the banking system relies heavily on fair and accurate credit reporting. Inaccurate reports directly impede the efficiency of the banking system and undermine public confidence, both of which are vital for its continued functioning.

Consumer reporting agencies, such as yours, play a crucial role in assembling and evaluating consumer credit and other pertinent information. However, it is imperative that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy, as mandated by law.

I have recently reviewed my credit report and identified several inaccuracies that need to be addressed. These inaccuracies are affecting my credit standing and could potentially harm my financial well-being. Therefore, I request that you take immediate action to remove these errors.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  / XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX  11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MTR - XX/XX/2019 US DEPT OF ED/XXXX  - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Money transfer, virtual currency, or money service

Beginning in about XX/XX/2020 I downloaded a cryptocurrency exchange/ wallet called Binance.US. I added my bank via ACH transfer to The BinanceXXXX XXXX, deposited money and began to trade cryptocurrency. I was able to sell the cryptocurrency then withdraw money ( USD ) back into my bank account with no problem other than them holding the funds For 10 days before releasing it to my with some lame excuse. After months of using the platform I began to trust the company and started to accumulate digital assets on a larger scale then my prior {$20.00} transactions. Over that period of time Ive accumulated a little over {$3000.00} by Making {$100.00} deposits here and there and purchasing bitcoin with the money. It was when my account had risen to the {$3000.00} mark that they stopped my trading privileges. This includes the inability to sell, convert or transfer my cryptocurrency into another wallet. Freezing my cryptocurrency purchasing and selling privileges Is a judgment on their part and they have no Obligation to let me do so, but the problem lies in that they will not let me transfer my said bitcoin into any other external wallet or cryptocurrency account. Binance U.S has also frozen my United States dollars in the same fashion, where I am unable to transfer or withdraw my money. Ive sent 22 emails over the course of four days to their customer service department. Subsequently, after my10th email I got a response from a customer service representative calling himself XXXX XXXX who assured me that he Has submitted the report to unlock my frozen privileges, and that he would be in contact when it has been finalized. This has dragged on for several days now giving them the ability to financially gain from freezing my access to my cryptocurrency or United States dollars. Over the course of this time bitcoin has risen to over {$40000.00} Which they can manipulate to profit from doing this to me and their other customers.This whole thing isnt adding up and I fear the worst. Being as though I added all my money to their account transferred through XXXX XXXX or ( XXXX ) There is a record of every dollar that they received. Ive never transferred any of the cryptocurrency I purchased to any other external account, so I have no real evidence that it ever existed at all. I would greatly appreciate the help of getting my money back from Binance U.S.
Product: Money transfer, virtual currency, or money service

I provided screenshots of a purchase agreement on Cash app and also put the reason in the topic for why the money was being sent. The seller sent me a empty box. I opened a dispute and was denied. I do not recommend anyone to use cash app. This is a scam site and app. The seller had a XXXX day old account and has been listed as spam/scam on the selling site where they were found.
Product: Payday loan, title loan, or personal loan

During the Summer of 2022 due to hardship, I reached out to TitleMax for a loan on my car. I did not know this would turn into a nightmare. I was informed that the value of my car was {$6700.00} ( I later found out that my car value is between $ XXXX {$4000.00} ( more on the {$2000.00} side ) with a {$1100.00} payment per month to TitleMax. 

I reached out to TitleMax to inform them that I could no longer afford the payment and as always each time I have a question or a concern, I was informed that " you signed it or you agreed to it. '' On XX/XX/2022, I informed TitleMax that I was going to surrender the car and went in that day. The document that I had planned to sign was already pre-signed and dated by TitleMax. I informed TitleMax that I needed to read the document before I sign it. I decided not to sign the document because TitleMax wanted me to agree to a payment amount without knowing what that amount was going to be. 

On XX/XX/2022, I received a call from TitleMax regarding payment. I asked if I could get a copy of the document I signed. I was informed that it was against their policy to give me a copy of the document. I then asked if I could get a copy of their policy stating that and I was told that it was against their policy to give me a copy of their policy.