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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Student loan

Hello i have been trying and trying to get this stuff fixed for almost 2 years now. The reporting is just all over the place honestly and you guys are my last resort. In the past Fed Loan Servicing has been pretty decent with getting back to me. However every time the " updated '' something it still came back inaccurate on my credit report. So it's costs me time and alot of money going back and fourth with them for 2 years. get that they are very busy and probably under paid but the illegal reporting is really stressing me out and causing me XXXX XXXXXXXX and everything. Covid really hurt alot of people and i know they are helping people get through it by deferring stuff, but man they have been ignoring me like crazy. As an American, i have rights and my rights are being ignored. They are illegally and inaccurately reporting information to XXXX XXXX and XXXX. Not only did i never receive my consumer reporting rights from Truth in Lending but it is inaccurate reports showing. They are reporting 5 different reports as of today. And i am a private person so i told them i don't want to give up my right to privacy for them to violate that hurts bad. I asked them to remove it many times but they are just too busy to listen. They removed some but not all the ones i mentioned in my letters. I need help
Product: Debt collection

In XX/XX/scrub> 2023 a collection company ( sequoia asset collection ) asked for {$1200.00} for an unpaid XXXX XXXX XXXX bill. Since I have never had an XXXX XXXX XXXX account I immediately called XXXX XXXX XXXX. It turns out that someone in California opened the account under my name- this person has no association to me. 

After many hours on the phone with XXXX XXXX XXXX we were finally sent a 'fraud handling packet ' from XXXX  XXXX XXXX XXXX This company is no longer in business and it looks like the unpaid amount was moved to another collection agency. I called XXXX XXXX XXXX again yesterday and I fear that we will be given the same run around as last time.
Product: Mortgage

I called Chase to find out if I could move my due date. The guy I spoke with was very nice, he told me I could not change my due date but what he could do was set up payment arrangements to avoid that XXXX $ late fee. I owe XXXX $ a month and was paying {$1000.00} every month before the end of the month, it was just after the XXXX of the month causing me to have a XXXX $ late fee. I was n't too worried about the late fee, just did n't like being late due to the way my paychecks fell. He proposed that I not pay XXXX to give me time to save up the extra payment then for the next 6 months pay XXXX $ that would end up covering the missed payment in XXXX and my payments would not be due till the XXXX. That sounded great. I said sure. I received an agreement in the mail that said no need to respond to continue on about this payment plan just make the payments as follows. I did and I paid the XXXX $ on time like i was supposed to do. Come XXXX I received a certified letter in attempt to collect a debt from my past due payment for XXXX for Chase. I called and they said yes that is correct, although I had a payment arrangement they were still required to turn in I was past due for not making XXXX payment. I was really really upset! Had I known this would effect my credit I would have continued to pay the XXXX $ late fee. That was n't bothering me!! I paid up my mortgage to get out of this plan and so it would not be turned into the credit burrow anymore. I spoke with a representative who said he would look into this. He called me back and said unfortunately they can not do anything to fix what had been turned into the credit burrow, he could however send me a letter saying I am up to date. That does not fix my credit! That also does not matter to anyone trying to give me a loan! I have never missed a payment until I was told NOT to pay XXXX. There is no way to go back and change this now, I would have never agreed to this payment arrangement that would save me XXXX $ a month but ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I would like to use this medium to report the deficiency from XXXX XXXX  and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from XXXX XXXX  did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan.

Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.
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 account. 
( 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: Money transfer, virtual currency, or money service

Im writing this to express my concerns on Zelle for handling disputes. Particularly in light of the cupboard lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately.They informed that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBS findings indicate that Zelle not only has neglected to protect our consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformationa, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through Credit Acceptance for a XXXX  XXXX XXXX, however the car was stolen and recovered but my insurance would not approve the claim and I couldn't get the car fixed, so I called them told them that the car is in bounded and they were going to auction off the car, they didn't want the car, but they want me too pay {$3000.00} to pay off the interest off to close the account
Product: Mortgage

I am the Executrix of my father 's estate. He had a reverse mortgage. Loan was due at the time of his death. It went in foreclosure and XXXX sale was pending. I was able to reach out to a broker that handled these matters. XXXX reached out to bank with an interested party. House was a short sale and this occurred on XX/XX/XXXX. I have received the paperwork for the foreclosure dismissal, the HOA bill of sale from the closing PHH Mortgage, 1 Mortgage Way, XXXX XXXX, NJ XXXX ( XXXX XXXX ) represents the XXXX XXXX XXXX XXXX  XXXX XXXX. 
PHH Mortgage would call from time to time regarding the account during the past XXXX years. They would ask, " do I have any questions '', I would reply " no thank you I don't. '' The house sold and I continue to receive these phone calls, more often and post the short sale. Today makes number XXXX since the closing occurred. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Each phone call XXXX have advised them that check with Bank of New York XXXX XXXX XXXX The short sale occurred on XX/XX/XXXX and have the HOA document. Cease and Desist, Do Not call. 
XXXX agreed and still he called. XXXX is a new person that called me today. Called with attitude, I explained to him the same as to XXXX, cease and desist, do not call, the house was sold, and the bank was fully involved. PHH needs to reach out to the bank for details. XXXX stated there was a small balance. And refused to listen to what I previously stated... there is no balance bank settled, speak to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. He claimed he was going to check with the bank. I don't believed it since i have stated this now 5 times, but they continue to call. 
It is sad enough that my father passed at a time of Covid ( XX/XX/XXXX ) while recovering in a center that left him to be on his own during that time ( XXXX XXXX XXXX XXXX  XXXX, dba XXXX  at XXXX ) that I also had to deal with all the legal issues regarding the estate, working through a short sale to satisfy the loan, but this continues to occur not allowing me to heal from all the emotional trauma and stress. This continues to rip open a wound that is trying to heal. Can you help me?
Product: Debt collection

I am a victim of identity theft and noticed a collection from CMRE. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card

Marcus by Goldman Sachs/GM Card refused my remittance coupon that was sent in with proper endorsement ( 31 CFR 328.5 & 328.6 ) and continue to rack up late fees and interest. They were going to close my account so I sent them {$1000.00} to keep it open ( and not have my good credit tarnished ) so that I could get the rest discharged properly. I called them and discussed in great length that I now know about something that has been hidden from people regarding everyone 's unlimited credit in this world and how banks can not loan assets ( 12 USC 1431 ) and the U.S. Treasury is obligated to make payments on the public debt ( 31 USC 3123 ). Our debts have already been paid by our XXXX XXXX XXXX trusts and they have received payment for that but then want us to also send in money from our cash accounts which is " double dipping ''. They call it a " gift '' but it is what keeps people down and out and living from paycheck to paycheck and makes banks rich. The big corporate banks are fully aware of this although most employees of these banks are not. There is no gold backed dollar anymore. In XXXX XXXX XXXX eliminated the ability to PAY our debts, allowing only for their discharge. Since this act of accepting payments twice for the same bill was never disclosed, I feel their contract is null and void ( 15 USC 1692c ( c ) ). People are becoming aware of this fraudulent system. It's right there on the IRS website : XXXX Unacceptable Payments and XXXX Bill of Exchange. Then there is the address that they are supposed to be sending these remittance transfer coupons to : Department of the Treasury Office of the Executive Secretary, XXXX XXXX XXXX, XXXX XXXX XXXX Washington XXXX DC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$65.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}
Product: Mortgage

A 2nd mortgage was taken out in XXXX at lendmark financial. Sold to XXXX XXXX XXXX which paid off lendmark. They never released the lien from my title & now I'm refinancing & they won't get me the release paperwork to clear the title so I can close on refinance. I called XX/XX/XXXX ... said they would check on it. Today XX/XX/XXXX I called back they just put in work order when I called today. Simply not doing their job for years.. now i can't close on new loan due to them ( lendmark financial ) not doing their job in the first place. Ridiculous business practices & no one knows anything ... please help
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer serive and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 action have caused significant inconvenience and and financial loss, and i seek appropriate redress for these violations.
Product: Student loan

I am writing to formally notify you that my personal and financial information was compromised without my authorization due to a data breach involving DEPARTMENT OF EFFICIENCY. This breach is a clear violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects the confidentiality of student records, as well as your responsibility to safeguard my sensitive information.

The breach has resulted in significant harm, including the exposure of my personal and financial data, and has placed me at risk of identity theft and financial fraud. Given the severity of this violation and the resulting compromise of my information, I demand that you immediately cancel and discharge my student loan debt in full within five ( 5 ) business days of receiving this letter.

If you fail to take appropriate action, I will have no choice but to escalate this matter by filing complaints with the U.S. Department of Education, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I will also pursue all available legal remedies to protect my rights and seek compensation for the damages caused by this breach.
Product: Credit card or prepaid card

I ordered a product in the amount of {$210.00} from XXXX on XXXX XXXX, 2021. After waiting two months with no update, I contacted the merchant to inquire about shipping status on XXXX XXXX and XXXX XXXX. I received no response from the merchant so I opened a dispute with my credit card provider ( Apple Card / Goldman Sachs ) on XXXX XXXX. 

On XXXX XXXX, I was informed by Apple that my dispute had been denied due to the following reason : The evidence received confirms that you received a refund in the form of a voucher. For example, store credit or a voucher I did not receive a voucher, store credit, or anything of that sort. The merchant has not contacted me at all.
Product: Mortgage

My mortgage company announced that the were upping my payments to a point that my monthly payments would be more than double what the agreed agreed upon payment would be due to some XXXX " projection '' of property value increase, and to offset back taxes. I do not have any taxable balance and my property valuation by the XXXX County Appraisal District will not be available until XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was horrified to find inaccurate accounts listed. Ive always kept track of my credit report, so seeing these discrepancies appear out of nowhere was shocking. I even tried refreshing the browser, hoping it was a mistake, but the errors didnt go away.
Product: Credit card or prepaid card

I had XXXX dollars stolen out of my account, I filed a dispute same day, and they declined the dispute, there is zero reason why they declined my dispute and wont tell me why. American Express basically told my Im XXXX
Product: Credit card

This account has been charged off and it should be removed from my credit because it is affecting my credit score and credit report credit collection XXXX XXXX XXXX XXXX XXXX XXXX are all charged offs and are still on my credit report and affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Experian, There is incorrect information being reported on my credit file for accounts showing below : XXXXDEPT OF ED XXXX Incorrect balance is being reported the balance is not XXXX or is XXXX these accounts are not pass due they are current please update accounts with correct status and amount. 
There is also a XXXX account that is only being reported to Experian that account is not valid in the amount of XXXX please remove account immediately! I have attached attachments to show proof of incorrect information.
Product: Debt collection

XXXX XXXX XXXX first contacted me in XX/XX/XXXX about a {$540.00} XXXX bill that had somehow become associated with me via XXXX XXXX XXXX Services. I contacted XXXX XXXX XXXX Services and we found quickly that the bill was in error - I was incorrectly identified as the person who owed the bill. XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX several times, and explained to them that the bill was in error - I never should have been charged as they had billed the incorrect person. A quote from one of the correspondences to XXXX XXXX XXXX from XXXX XXXX ( Medical Billing Supervisor ) : " Please remove CR XXXXXX to also include any credit bureau reporting. This patient account was placed in error. The information placed with collections was for the incorrect patient. '' I thought the matter closed, but on XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I still owed money on the erroneously assigned bill. The letter stated " According to records provided by XXXX XXXX Florida - EMS, your account is past due and remains outstanding. '' This is a direct contradiction to what XXXX XXXX has tried to explain to XXXX.