23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) due to my status as a victim of a recent data breach. This request is in accordance with my legal rights under the Fair Credit Reporting Act.

Please find the accounts affected by the breach that I request to be blocked and deleted from my credit report : XXXX. Chapter XXXX Bankruptcy XXXX - XX/XX/XXXX - {$00.00} XXXX. Chapter XXXX Bankruptcy XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XX/XX/XXXX - {$00.00} Additionally, I request the removal of the following inquiry from my credit report : XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Debt collection

This is a story of a {$6.00} check and bad and deceptive business practices. 

I wrote a {$6.00} check to a burger joint that refuses to accept electronic payments. I rarely use checks because, today, they seem dated and arcane, but the restaurant only accepts cash or check, and I had no cash on me. I forgot about the XXXX dollar check and opened a new bank account and transferred all my money from the drawn account. The day the check was dishonored, XXXX/XXXX/15, I noticed it because I check my bank statement religiously. I pleaded with the XXXX, XXXX XXXX XXXX XXXX, to let me cover the check and any service charge they may have been charged. At least XXXX times, I called and stopped by the restaurant to try to discuss the issue with someone with authority there. I even left my business card. I was never contacted, nor had my calls returned. This constitutes awful business practices and unprofessionalism. Eventually, because they kept ignoring me and my efforts, I thought that the restaurant was just going to eat the loss, so I stopped contacting them. 

Two months later, in the middle of the homebuying process, I check my credit report and see that there is a collection action on my account. I was shocked because no one had contacted me about any debt. I had to XXXX the collection agency 's name, Credit Bureau Services, found on my credit report, and called them to inquire what the hell this collection action was all about. They responded that it was in regards to the aforementioned {$6.00} check that I had long forgotten about. The extortionists at this agency did not even bother contacting the bank or my phone number on the check. Instead, they considered it sufficient to send a couple notices to wrong or old addresses - hence the deceptive business practices. They admitted that they sent a notice to the wrong city, even though they had the right street address. I called these dishonorable thugs and told them I 'd gladly pay the check and charges if they 'd remove the collection action from my credit reports. They said no, even though such practice is common for debts less than {$500.00}. I mentioned to them that I had reached out to the Payee several times in attempts to settle the debt, and told them that the check said it was n't valid for less than {$200.00}. This was still not convincing to them. 

I 'm very active in the community and there are several ways of reaching me. I also have several online public profiles. But no notice of this {$6.00} debt was sent to any one of those places. I 'm of belief that they seek to provide as little notice as possible, which I am sure their procedure violates some law ( s ), so they can say they " provided notice of the debt ''. They do this in order to extort people into paying several times the face amount of the debt ( in my case XXXX times the amount of the debt ), using the damage to one 's credit score as leverage. 

To this day, I have still not received anything in writing from this agency. I was not notified of my right to dispute the debt or the agency 's procedures. And, as far as I can tell, my credit report does not reflect the fact that the debt was paid.
Product: Checking or savings account

Optum bank has lost payments, let unconfirmed payments to providers sit in escrow for more than 90 days without notifying me, and is refusing to cancel rejected transactions and credit my account. Additional payments have been 'lost ' and are untraceable leaving me with credit damage and without audited account debits
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Debt collection

1. ) What is this complaint about? Illegal and Unlawful foreclosure 2. ) What type of problem are you having? I am having problems having authorities look into the procedures that were used to dispossess me from my property. It is my belief that the participants are debt collectors who do not possess the standing nor are real parties in interest and have conducted fraud against me and the court. 
3. ) What happened? My real property interest was wrested from my in what I believe was an illegal and unlawful manner resulting in me being dispossessed from my home. 
4. ) What company is this complaint about? XXXX XXXX XXXX 5. ) Who are the people involved? XXXX, XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX 


On or about XXXX XXXX, 2012 a foreclosure action was executed against my property in what I know to be an unlawful foreclosure by a third party debt collector. The foreclosure was initiated by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX through their agent ; a Law Firm by the name of XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT a Creditor/Lender or A Mortgagor of mine, nor have I applied for or either received any services or credit with the aforementioned.XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors who do not possess the requisite standing or real interest to sue for possession of my real property in a court of law. The collection of this debt was attempted in violation of the FDCPA 15 USC 1692 ( g ) and all corresponding consumer protection laws. 

The aforesaid entities have only provided copies of documents that are available through the public records that are easily accessible to anyone. I assert that those documents are forgeries and I am demanding that the debt be verified under penalty of perjury pursuant to the Fair Debt Collections Practices Act. 

The above named entities have not, nor have ever cooperated in the verification of the debt, nor have have not presented unimpeachable evidence that they are truly a creditor with standing to sue in a court of law.
Product: Credit card

Chase has a credit card labeled Chase Sapphire Reserve. I have applied for the credit card and was rejected due to having too many cards opened in the last 12 months. They wouldnt tell me how many " too many '' was. My credit is clear and I have been a customer of Chase for over a decade. I asked them not to increase their credit exposure by reducing the limits on one of my other cards ( total of {$34000.00} ) and they would not stating only that too many cards were open. I do n't understand why if their exposure is unchanged they are able to deny me a superior product advertised to present clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX/XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied to qualify for PSLF in XX/XX/2016 and had my loans transferred over to XXXX XXXX from XXXX.

Currently, they are only counting 5 of my payments towards my PSLF payoff, 4 of which are under review.

I have made 15 payments under XXXX XXXX and made qualifying payments through my previous servicer, XXXX. My count should be in the 30s, not 5.

I've asked several times over several months for a count of my qualified payments. I have not received an update, except several payments made through XXXX are under review.
Product: Checking or savings account

Chime hasn't been helping with my dispute for XXXX dollars. Someone took out a ATM and added my debit card to their XXXX  back in XXXX XXXX.I had to keep reopening this claim to try and my hardest to prove this wasn't me. I sent over my ftc identity theft report my police report stating that this wasnt me. Chime told me they found no error in the transactions so they couldn't help me. The transactions on my account says I added cash to a XXXX  that wasn't mine. None of this wasn't me and caused harship for me as well. I really need this handled
Product: Money transfer, virtual currency, or money service

I have an issue with Cash App. They charged me fees and made my account go negative for a transaction that occurred on XX/XX/XXXX. On XX/XX/XXXX, and for the next 2 days, there were sufficient funds in my account to cover the transaction, however, they waited 3 days to attempt to collect it from my XXXX  XXXX XXXX account, when there was no longer any money in the account. Therefore causing me to be negative. None of which was displayed on any of the recent transactions they had posted on my account page. I made XXXX deposits and XXXX other transactions between the time I sent the {$50.00}, reasonably thinking that the {$50.00} had been deducted from my bank account at that time, seeing as how my bank account showed that it had been taken out at that time. There was Nothing to indicate that they had waited and didnt attempt to take it until 3 days later, so having made deposits, sent money, amongst other transactions between the XXXX and the XXXX when the {$100.00} was sent to me there was nothing that would indicate to me that they were about to hijack almost all of it! and then when I had {$100.00} transferred into my account on XX/XX/XXXX, they took {$66.00} of it, again, never disclosing why, what for, or anything! There were no negative transaction posts, nothing notifying me how I went from {$100.00} to {$34.00} with no transactions in between to indicate what happened. So to anyone looking at the account transactions, it shows a {$100.00} deposit, and then a balance of {$34.00}. With no explanation of where the {$66.00} went. When I called, the man told me that with XXXX transfers, they can take 1-3 business days to complete, again, not disclosed in any way, and again, at the time of the transaction, it shows the amount deducted from my bank account, and the amount deposited into the cash app account, and then all of my following transactions afterwards! Never giving me any clue that I was spending money i didnt know that I didnt have! And seeing as how cash app is an instant money transfer app, that doesnt do overdrafts, how is it that they can allow you to spend money that they havent collected for you to spend!? Its setting people up for failure! Its not right, and they should be held accountable for non disclosure. I asked to speak to a supervisor and was told that I can not speak to one on the phone, that they will only communicate via email, which I think is asinine. I now have no money, and XXXX kids to take care of, and while {$66.00} is nothing to most people, its literally everything to me right now! Im super disappointed that cash app, a company that I have used for so long and trusted, and have never had this issue with before, is now for some reason screwing people out of money and setting their customers up for failure!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I had a Wells Fargo Propel World XXXX XXXX card. The annual fee for this card is {$170.00}. I was charged this amount on XX/XX/18 for a card being renewed on XX/XX/18 A Wells Fargo Banker mentioned that if I switched to their new Propel card within three months of the expiration of the card, the annual card fee would be refunded in full. 

I called on XX/XX/18 to make this switch, and was told that the switch could not be made on that day, but I should call back in 2 days. The agent I spoke to explicitly confirmed that the card fee would still be refunded with the product switch. 

I called back and switched to the new card, and again confirmed that the card fee from the old card would be refunded. 

After a few weeks I hadn't received a new refund, although the account had been cancelled and a new account opened with a different card. I called Wells Fargo, and they said that I was still owed a refund, but that it sometimes takes a few billing cycles to process. 

In XXXX I still hadn't received a refund, and I emailed Wells Fargo. At this time I was told that I was only charged {$25.00} and this had happened in XXXX, and no refund was owed. I asked for a fuller explanation and was told that the first response was completely wrong, and that I had in fact been charged {$170.00}, but that I wasn't eligible for a refund. 
I asked them to investigate and explained the conversations that I had on the phone in XXXX, and that the agent had noted that a refund was due. 

Wells Fargo promised to investigate and have the 'Executive ' team contact me within 2 business days. Wells Fargo failed to contact me in the meantime, and has ignored all written questions since then as well.
Product: Checking or savings account

Victim of XXXX scam. Bank of America phone number contacted me and some scammer intercepted the phone number and posed as Bank of America rep ( I heard the Bank of America holding music ). Said I was doing a XXXX reversal but it actually send my money to someone else. I called Bank of America and reported it and they would not give me any money back. It was XXXX and I saw articles about this scam online. They said they can not help me me it will be months before money will possible be given back to me.
Product: Credit card

I have a credit issued by Barclay Bank XXXX XXXX ) card. I have two balance transfer promotions. 1 if for {$1700.00} and the other is for {$1600.00}. 
My minimum payment for XXXX XXXX, 2015 is {$54.00}. On XXXX XXXX, 2015 I make payment of {$200.00} which I want to go to my balance transfer promotion that is due in XXXX of 2015. Nowhere in their Important Information does it say that " if you have a balance with an APR vs a 0 % APR, that any monies paid will only go to the APR balance and not the 0 % APR promotional balance. I call to get the situation corrected and nowhere in their records can they find that statement. So the customer service supervisor states that that statement is located in the original agreement when I received the card and they would mail that to me. But she could not find the original agreement on her system XXXX which they should have it XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Im disagreement with the account listed below which still appears to be on my credit report, even after investigation. I would like these items/accounts to be re-investigated. The inaccuracies are still being reported to my account and highly injurious to my credit score. 
XXXX XXXX Credit Card Account Number XXXX XXXX Balance is {$3700.00} Account Number XXXX XXXX {$4500.00} In accordance with the fair credit report act, public law XXXX, XXXX VI, Section XXXX, Subsection A-D, Please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send a copy of my updated credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act Experian has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1666b - Timing of payments U.S. Code ( 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.

I have never given written, verbal or implied consent to share my information with any of these companies I am unsure how they legally acquired any of my information.

Each company has violated my rights for years without my consent and continue to do so even after I have disputed furnishing my written consent ( which they have not, they have sent me computer generated letters saying that I have consented... with no proof ) They also have failed to provide credit reports as I have requested them from all three companies
Product: Mortgage

Dear CFPB, I am writing to inform you of XXXX lawsuits that have been filed against Specialized Loan Servicing ( SLS ) : Suit No. XXXX filed in the United States District Court for the Middle District of Louisiana XXXX 
Suit No. XXXX filed in the XXXX Judicial District Court for XXXX XXXX XXXX XXXX XXXX XXXX XXXX State of Louisiana. 
These lawsuits pertain to multiple violations of state and/or federal regulatory laws by XXXX. Specifically, XXXX has : Illegally changed my mailing address without my knowledge, resulting in my failure to receive pertinent correspondence regarding my account. 
Illegally added an address that is not mine to my loan account and credit report, further preventing me from receiving important correspondence. 
I have alerted various agencies to XXXX 's servicing practices, including the Federal Trade Commission 's Division of Credit Practices at XXXX XXXX XXXX XXXX, Washington XXXX XXXX XXXX, Phone : ( XXXX ) XXXX. 

As a result of these actions by XXXX, any delinquency notices should be considered null and void. I have not received the proper notifications required by law, and XXXX has violated 12 CFR 1024.30-1024.41 and HUD regulations .
Product: Payday loan, title loan, personal loan, or advance loan

. Predatory lending practices and deceptive business practices