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

I requested to validate the credit which I am allowed bi law yet in report XXXX you denied me the validation because I said that this might be fraud as I was XXXX XXXX on XX/XX/XXXX. I provided a disposition of the court which proves where I was a court document which your company also failed to acknowledge the report shows letters way into the year XXXX yet your company does not want to allow me my right to validate the debt. I submitted several disputes and I have not been given any evidence the debt is mine. It was fine on the internet in a time I was not allowed access to the internet yet your company does not give me what I am allowed bi law. Which is the credit file so I may validate the debt. So either allow me to validate the debt or except the fact that it was done wrongfully and remove it from my credit report as XXXX  already seen the error and removed it from my report b cause your violating the law and my rights
Product: Mortgage

On XX/XX/XXXX Flagstar Bank purchased my mortgage from XXXX. In XX/XX/XXXX I was asked to provide proof of flood insurance. I contacted my insurance agent and they in turn provided proof of policy. later that week I received a letter from Flagstar stating that the policy ( which was the same I'd had with Amerifirst ) was not acceptable to Flagstar and that they had purchased/placed a flood policy on my residence. The letter dated XXXX showed a policy with effective date XX/XX/XXXX more than six months retroactive at a cost of {$2600.00}. My prior existing policy was still in effect during that time and there was never any indication that it was not acceptable. In fact, the existing policy had actually completely covered a flood claim on the property in XXXX of XXXX. How can I be forced to pay 6 months of coverage for time that had already passed when I already had coverage? This seems criminal!
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2023, I awoke to an email alerting me that a dispute had been filed with another financial institution regarding a payment I had received on XX/XX/2023 through CashApp. The money involved in the previous transaction had been deducted from my account automatically and without authorization and supposedly returned to the account of the sender. I immediately contacted the sender and asked what was wrong. They replied that their account must be compromised and that they had opened their CashApp and noticed multiple unauthorized transactions. They claimed to be contacting CashApp through their support services to try and figure things out. The transaction refunded was for {$5.00}. Within hours I received two more emails claiming that two other transactions on XX/XX/XXXX and XX/XX/XXXX of 2023 were also being disputed and returned to the sender. By that time I had transferred my CashApp balance to my bank and locked my card only to discover that CashApp withdrew the money straight from my bank account, without my consent, to refund the supposed original sender. Both refunds were for {$20.00} each. I know the original payments were legit as they were for compensation of gas money, time and vehicle wear and tear for giving the sender a ride home when they did not have access to transportation at the time. So far I have been defrauded of {$45.00} total. {$5.00} from my CashApp balance and {$40.00} directly from my bank account through CashApp. After reaching out to CashApp support they said they could not comment and offered no help what so ever. It appears they are okay with facilitating fraud. On Monday, I will go to my bank branch to make them aware of this fraud and see if they can be of better assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( XXXX XXXX XXXX ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , INC ) due to inadequate customer service and unfair practices, which violate the Consumer FInancial Protection Act ( CFPA ), Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the presence of several items on my credit report, which were verified without my permission. On XX/XX/year>, I initiated a dispute regarding multiple items on my credit report. However, on XX/XX/year>, these items were returned as verified. I believe this verification process was conducted in violation of the Fair Credit Reporting Act ( FCRA ), Section 605B.

According to FCRA Section 605B, it is illegal to report information on my credit report without my explicit permission. The specific items that were incorrectly verified are as follows : XXXX ( XXXX ) accounts from XXXX XXXXXXXX XXXX ( XXXX ) account from XXXX XXXX I did not authorize these accounts, and their presence on my credit report is unwarranted. I respectfully request the CFPB 's assistance in addressing this issue and ensuring that these items are permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Credit card or prepaid card

I purchased {$100.00} Mastercard prepaid card on  XXXX  from  XXXX   XXXX  that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on  XXXX  and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF.     I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again  ( a nd recommended I use   XXXX   ). So I tried again twice on  XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on  XXXX  and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her  manager .. . she said was n't available but took my number and will have them contact me in a day  or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution.  XXXX  Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount.     They also mentioned on the second call that my  XXXX   XXXX  receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally.     Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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 Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I had bought a Coton De tulear breed dog from XXXX XXXX in XXXX Illinois almost a year ago. I inderstood that the animal had cost around {$1500.00} and we agreed to payment plans. After a while of losing our jobs we couldnt make payments, fees started adding up, and the account went to collections with Monterey Financial ( Which I do not believe is a collection agency ). A short bit ago we have been making our payments to the " collection agency '' they claim to be with no supervisor and the only person I can speak to is my account holder. Our balance was {$2000.00} as of XX/XX/. We made a payment of {$200.00} on the same day. They then told me my balance was {$1900.00} which is not minus {$200.00}. So I made another {$200.00} payment on XX/XX/ and my balance was {$1700.00}. So I made another payment 2 weeks later od {$200.00} and I had seen they only took {$100.00} from me. They said " we charge a {$20.00} processing fees and you owed {$50.00} in misc. fees. '' So I said " Okay so after all fees are paid {$130.00} shouldve went to my total balnce left and you guys only took {$100.00}. Where is the other {$30.00}? And she said " Not sure where you have been getting these quotes from but noone has quoted your payments at all do I will quote this one today. '' They keep charging me {$20.00} processing fee, and only putting {$100.00} towards my account balance and Im not sure where my other money went. Also, we have paid almost {$700.00} since we started our first payment and they said we have not and they cant believe me because noone has been quoting my payments. I want this place shut down, my money back, or something done because they keep taking my money and lieing about where it is going. If you look at customer reviews, everybody says the same thing. They refuse to dorect me to a supervisor and keep telling me they arent aure where im getting my " total balance '' after payments from hence nobody quoting my payments. As a company of the account you would think they would quote everything. Please do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against XXXX for reporting inaccurate information on my credit report. In the dispute I requested to see verifiable proof of debt ( i.e. : an original consumer contract with my signature on it XXXX that you have on file and I also requested XXXX to Provide a copy of my signature with the provider of service to release my medical information to XXXX. The company did not provide me with a Hippa release form of me giving authorization for them to obtain my personal medical information. This dispute was filed on XX/XX/XXXX. 
The credit reporting agency updated my credit profile saying that the information was verified but didn't receive anything in writing in mail giving me the chance to verify this alleged debt. However prior to XX/XX/XXXX I filed a cfpb complaint with this company and they failed to respond but they mailed me my contract with XXXX XXXX with my signature and also what procedures I had done. This is a direct violation against the HIPPA protection Law. I have filed a direct complaint with HIPPA and the receipt number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 and XX/XX/202XXXX XXXX
Product: Debt collection

On XX/XX/2020 I woke up to an alert on my credit report from a company titled National Credit Adjust. The debt collector has never sent anything by mail regarding this alleged debt nor have I have any contact with this debt collector. In additional to having no contact with the debt collector, the alleged debt does not belong to me and has been illegally inserted into my credit report obviously causing damage to my credit score and credit worthiness.
Product: Mortgage

I am writing on behalf of the estate of XXXX XXXX, for which I serve as the appointed Executor. I would like to formally bring to your attention a serious concern regarding the recent trustee sale of the property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which was sold at auction on XX/XX/scrub>XXXX 

Upon review of the foreclosure documentation, I have discovered that the Notice of Default ( XXXX ) which initiated the foreclosure process had expired prior to the recording of the Notice of Sale ( XXXX ) and the subsequent trustee sale. Under California law, specifically XXXX XXXX, a Notice of Default that has expired ( due to the one-year period passing without a foreclosure sale ) requires refiling before the sale can proceed. Based on my understanding, the XXXX associated with this foreclosure was not refiled. 

As a result, I respectfully request that your office review the status of the foreclosure sale, as it appears that the sale XXXX have been conducted in violation of XXXX foreclosure procedures. Specifically, the trustee sale appears to have been based on an expired XXXX  which would render the sale invalid. 

I would appreciate your prompt attention to this matter. I request that you provide me with the following information at your earliest convenience : 1. Confirmation of the foreclosure process, including the date the XXXX  was originally filed, and whether it was refiled in compliance with applicable law.

2. A copy of the Notice of Default and Notice of Sale records to verify the validity of the sale.

3. Any actions you are willing to take to resolve this issue, including the possibility of rescinding the trustee sale or providing alternatives for the estate. 

Please be advised that I am seeking legal counsel regarding this issue and will pursue any necessary legal action to protect the interests of the estate. I look forward to your prompt response and hope we can work together to resolve this matter amicably and in accordance with the law. 
Thank you for your attention to this important issue. I look forward to hearing from you soon. 
I would appreciate your prompt attention to this matter. I request that you provide me with the following information at your earliest convenience : 1. Confirmation of the foreclosure process, including the date the XXXX  was originally filed, and whether it was refiled in compliance with applicable law.

2. A copy of the Notice of Default and Notice of Sale records to verify the validity of the sale.

3. Any actions you are willing to take to resolve this issue, including the possibility of rescinding the trustee sale or providing alternatives for the estate. 
Please be advised that I am seeking legal counsel regarding this issue and will pursue any necessary legal action to protect the interests of the estate. I look forward to your prompt response and hope we can work together to resolve this matter amicably and in accordance with the law. 
Thank you for your attention to this important issue. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance iwth the Fair Credit Reporting act XXXXXXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to Consumer Law of 15 USC code 1681 a,,,,,. transactions and history amounts are not to be reported. Also, 15 USC code 6802 was violated. I was not ever given and have not or ever given the option to OPT OUT of anything being added to my consumer report. Transunion has never provided the option or have they ever fulfilled their part in letting me know what is being reported on my report. Furthermore, Transunion has also improperly reported my bank loans with my credit union bank, who are not suppose to be reporting to them, because they are a 3rd party, which is according to the Fair Credit Reporting Act and the Privacy Act of 1974. They have never informed me of my right to exercise my disclosure option. 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection consumer report containing any of the following, of the following items of information, other than records of convictions of crimes this antedates the report by more than 7 years. Once again this agency is reporting without my consent it is against the LAW 15 USC 1681s-2 ( A ) ( 1 ) states " a person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause to believe the information is not correct. 15USC code 1681e also states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations ( section 1681b of this title ). Also in 12CFR 1016.7 states a consumer may exercise the right to OPT OUT at anytime. I am opting out of the reporting services. Furthermore, whatever happen to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure the consumer reporting agencies exercise their grave RESPONSIBILITIES with Fairness, impartially and respect for the consumers rights to privacy ''. I have a right to make sure my private information stays private and is not shared which states in 15USC 6801, " It is in the policy of Congress each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the privacy of its consumers and to protect the security and confidentiality of consumers nonpublic personal information. This credit ( Transunion ) agency absolutely has not my written, implied verbal or non-verbal consent. Once again, I am OPTING OUT of your reporting agency.
Product: Mortgage

XXXX went bankrupt. Loancare LLC took over the loan in XX/XX/2019. I was making automatic Bill Pay payments with XXXX XXXX XXXX and two payments were made using the old XXXX account number before I changed the account number with Bill Pay when I found out the new information and new loan number from Loan Care in XX/XX/2019. The XXXX payment went through fine despite the wrong account number on the check. Loan Care is  saying they never received the XXXX payment but the money was withdrawn by LoanCare in XXXX. I have made at least 10 phone calls to try to resolve this and have sent proof of payment numerous time. I was even on a conference call with XXXX XXXX XXXX and LoanCare at which point XXXX XXXX  XXXX sent over a Payment Transmittal Form. I have uploaded the form as well and emailed it several times. I have enclosed it to this form. I just received a call today saying I am behind on my payments. Which I am not. XX/XX/2019 payment : {$2300.00} Last call : XX/XX/XXXX Ticket number : XXXX