23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an email from a credit monitoring company asking me if I had closed my JPM HL account which is my Chase Bank Home Loan account. I received this email on XX/XX/XXXX. Unaware of the situation, I logged into my chase.com account and saw that Chase Bank had " Service Transfer '' dated XX/XX/XXXX under my home loan tab. Chase Bank has yet to notify me of my new lender they so hastily sold my home loan to and they messed up my escrow account in this process as well. Instead of refunding me the extra money in my escrow after paying off my taxes that were due in XX/XX/XXXX, Chase Bank applied the extra escrow money to my principal which is not what was outlined in our contract. I, the consumer, should have been refunded the remaining amount of my escrow so I could continue to pay for my home owners insurance since Chase Bank is no longer obligated. Now that money is paid into the total balance of my home loan and I have to come up with the large sum of money for my homeowners insurance company. Chase Bank is also cutting this timeline close to my mortgage payment due date and I might not have time to setup my account with the new lender before the mortgage payment is due, because of Chase Banks poor timing decision. I know for a fact that I am not going to get the paperwork regarding the new lender and other necessary information beyond the 15 day limitation. I have never been a day late or a penny short for all of the time I have had this home loan with Chase Bank. I have no idea who my new lender is, what the expectations are or anything of the sort. Its almost XXXX and they are supposedly sending the new documentation by postal service instead of an email. Electronic mail is the same as mail in its concept and should be utilized in these circumstances so consumers are not left in the dark for span of time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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, credit repair services, or other personal consumer reports

XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, Transunion, XXXX & XXXX. No one will remove this inaccurate information form my credit report.
Product: Checking or savings account

I deposited 3 checks and 2 of them went through. I closed my regions bank account and they sent me checked from my closed accounts. Huntington blocked my account and access to my money because one of them was returned. I tried to cash them at my primary bank at XXXX. XXXX  said they cant cash them and that I can cash them else where. Thats what I did, I cashed them at Huntington because I thought everything was fine. However it wasnt fine because like I stated Huntington is force closing my account. I contacted XXXX and they told me that the cashier checks was good and clear to deposit else where. Ive received emails and letters saying 2 of my deposit had got hold released. I called today and they said I would get a letter explaining why my account is getting closed. It wasnt a mistake on my end I did everything properly.
Product: Credit reporting or other personal consumer reports

A couple of years ago specifically some time in XXXX I disputed an account which was inaccurately being reported on my Equifax report. After not 1 but 2 disputes Equifax removed the XXXX XXXX XXXX account from my report. I also use XXXX for additional credit monitoring services as well as XXXX XXXX. Both companies XXXX and XXXX XXXX has the XXXX XXXX XXXX account reporting and negatively affecting my credit score. I contacted both companies and even filed a complaint against XXXX for reporting the account as it is not listed on my Equifax report. I came to the realization that both XXXX and XXXX XXXX are reporting information provided directly through Equifax. My problem stems from Equifax 's inability and/or unwillingness to correct the problem. Upon speaking with numerous customer service representatives @ Equifax I am being repeatedly told because the account is not listed on my report with them there is no recourse. I just need someone to explain to me how to correct this error. I have both XXXX XXXX and XXXX saying they're only reporting information provided by Equifax and Equifax denying culpability saying they can not report an account that is not in my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my digital asset account with Gemini Trust Company LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, NY XXXX was frozen during a withdrawal transaction. I have reached out to them but no one answers the phone. I have sent emails but no one replies other than an automated bot system. The value of the digital asset at the time of the attempted withdrawal was {$640.00} USD and now has dropped in value. As a result of Gemini exchange placing a freeze on my account for no apparent reason I have lost gains. Upon further research this is an increasingly known problem with this exchange and it is becoming worse. The XXXX  has a plethora of other complaints regarding this company. Do not under any circumstances do business with this crypto exchange.
Product: Debt or credit management

Request to Validate Medical Debt XX/XX/2024 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : Whom it may concern XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, Connecticut XXXX Attention : To Whom it may Concern, Balance : XXXX, Client :. Account : XXXX I received a bill from you and as allowed under the fair debt Collection Practices Act ( FDCPA ), I'm requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include the breakdown of any fees. 

Additionally, Im allowed under the Health Insurance portability and Accountability Act ( HIPAA ) to protect my privacy and medical record from third parties. I do not recall giving permission to any medical facilityfor them to release my medical information to a third party. I am aware that ( HIPAA ) does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold - validation of debt and ( HIPAA ) authorization. 

Please provide a breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the ( FDCFA ). Please note that withholding the information you received from any medical provider in an attempt to be ( HIPAA ) complaint can be a violation of the ( FDCPA ) because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail, if to whom it may concern is not able to provide to me all the adequate information in 30 days then Im requesting that this debt needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/XXXX/Equifax credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XXXX/XXXX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXXEquifax has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Debt collection

I requested Ability Recovery Services to validate the debt they keep trying to collect from me. I do know my rights as a consumer, I am a living breathing woman and this debt is not mine, I am not contractually obligated to pay this medical debt. This medical debt should not even be showing on my consumer report. Per 15 US Code 1681 ( a ) ( 3 ) medical collections are a violation and can not be reported on the consumer report. This company knows the laws and they are ignoring them on purpose and making their own rules as they go. I am competent enough to handle my own affairs and I know when a fraudulent act is being committed.
Product: Debt collection

In XX/XX/XXXX I received a collection notice from NCC Business Services asking for payment for a debt related to XXXX XXXX {$9500.00}. Note that his debt was discharged in my Bankruptcy case on XX/XX/XXXX. I wrote NCC a letter XX/XX/XXXX informing them of this and including documents that proved the discharge of this debt and asking that they cease collection process. However, as of XX/XX/XXXX this debt appears to still be active and they have reported this debt to the Credit Bureaus. I've contacted XXXX in particular to dispute this and they have notified me that Creditor is claiming this is a valid debt. I called NCC on XX/XX/XXXX to confirm that they received the letter I sent them and they said that they received letter on XX/XX/XXXX. However, they said they reported this debt to the bureaus because they hadn't received paperwork prior to XX/XX/XXXX regarding bankruptcy.
Product: Checking or savings account

I initiated a claim on XX/XX/2022 with Bank of America due to my debit card and information being stolen. This includes my identification, PIN, etc. The claim is for transactions totaling {$1300.00}. Bank of America is rejecting my claim from this fraud that was done to my account because they believe the charges were done by me or someone authorized to use the account. I have told them already that nobody but myself is authorized to use this account or my debit card. I had not signed any receipts with my signature personally and with my ID card and PIN which was in my wallet as well, anybody could access this information and forge my signature or get into my account. I have NOT authorized any single one of these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Account to be removed : XXXX XXXX & XXXX # : XXXX
Product: Debt collection

On XXXX/XXXX/17 I got a call from XXXX and XXXX left a voicemail stating to call Asset about a debt owe. I was asked to call XXXX ext XXXX. After advising XXXX I currently have no money to give but do feel I owe the debt, not sure of the amount XXXX proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised XXXX if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as XXXX XXXX XXXX. Which is not one of the 3 recognized agencies. My score was XXXX XXXX less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score XXXX points less from the other agencies. I argued with them that according to the 3 agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.
Product: Debt collection

I am writing to formally dispute the charge-off reported by SECURITY FIN C/O SECURITY FINANCE XXXX, SC XXXX which is listed as Profit & Loss on my credit report. I request an immediate investigation and correction of this inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) and any applicable state laws. 
Failure to Validate : If your company is reporting this charge-off, you are required to provide full validation, including a copy of the original signed agreement and complete payment history. 
Violation of FCRA : If this charge-off is unverifiable or inaccurate, it must be removed from my credit report immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX has continue to break the law knowlly. XXXX XXXX XXXX are suppose to be collecting on a so called debt for XXXX XXXX. I have asked XXXX XXXX for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any XXXX XXXX   accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my credit report, in accordance with 15 U.S.C. 1681 and U.S.C. 1692G ( 5 ) ( B ). I believe that the following accounts and information are incorrect and should be removed : 1. Collection Account : [ Account XXXX XXXX ] [ Explain why this collection account is inaccurate, e.g., not owned by me, incorrect amount, etc. ] 2. Late Payment Account Name XXXX ] [ Explain why this late payment account is inaccurate, e.g., payment was made on time, so please update as paid as agreed ] 3. Incorrect Address : [ Address XXXX XXXX XXXX XXXX XXXX, IL XXXX ] [ Explain why this address does not belong to me and should be removed from my credit report. ] I request that you conduct a thorough investigation into these matters as outlined in 15 U.S.C. 1681i. Please provide me with a written explanation of your findings and any actions taken to rectify the inaccuracies.

I am relying on the protections provided by 15 U.S.C. 1681s2 to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and your commitment to upholding the integrity of credit reporting.

Sincerely,
Product: Debt collection

I would like to inform you that I continue to dispute the current status of the loan ( status=charged off ). On XX/XX/XXXX I disputed the status and the 3 month delinquency that was incorrectly reported to the credit bureaus, through XXXX. Ally Financial corrected the inaccurate delinquent payments it reported. Unfortunately I still do not agree and believe Ally financial had no legal right to charge of the loan. Letter dated XX/XX/XXXX from Ally was to inform me the loan was now charged off due to missed payments this information is incorrect furthermore Ive continued to make the monthly payments. Ally had no legal right to charge off the loan. They failed to conduct a reasonable investigation when verbally requested on XX/XX/XXXX with XXXX whom I was transferred to by another representative from Ally 's total loss department after contacting them at XXXX and assured me they would allow 30 days to attempt to resolve the pending GAP claim prior to charging off the loan ( documents have been included to show proof ) they provided inaccurate information about me to the credit bureaus and used fraudulent information in taking action to do so. My concern is that the lack of communication between departments or properly documenting pertinent information to be easily accessed among the different departments is resulting with substantial harm and inconvenience to its customers. 

Ally financial has violated provisions of federal Fair Credit Reporting laws by failing to provide accurate information reported to credit bureaus. 

On my last communication with Ally Financials Asset Recovery Departments on XX/XX/XXXX XXXX I was told by XXXX that the reason the loan was charged off was due to the deficiency balance after my Insurance company attempted to pay off the auto loan for payment amount Ally received and processed on XX/XX/XXXX if the details of that statement were accurate? why wasnt the loan charged off as of XX/XX/XXXX Instead Ally verbally confirmed the loan was charged off on XX/XX/XXXX. As I have not violated the terms of the loan agreement and the loan has never been in default why was the loan charged off?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting inaccurate information on my XXXX XXXX credit card account. See attached info
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO CLARITY, XXXX, XXXX ETC.
Product: Credit reporting or other personal consumer reports

Dear Experian Credit Bureau Executive Office, I am writing to request the removal of the account with XXXXXXXX XXXX ending in XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXXXXXX XXXX and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Experian has repeatedly violated the allowable timeframe to resolve and correct these issues. Therefore, I am requesting the immediate removal of this erroneous information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX **Account Information** - **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX - **Account Type : ** Credit Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Account charged off ; {$7500.00} past due as of XX/XX/XXXX. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$7500.00} - **Balance Updated : ** XX/XX/XXXX - **Recent Payment : ** - - **Monthly Payment : ** - - **Credit Limit : ** {$15000.00} - **Highest Balance : ** {$7500.00} - **Terms : ** - - **On Record Until : ** XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or corrected as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX