23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have had issues with the post office at my last address where for XXXX weeks I never received a single piece of mail no matter what I did ( including file a complaint with the postal inspector general ... ). 

Chase Bank has not marked the lost card as stolen as far as I can tell and I had to speak with XXXX XXXX*** representatives refusing to do anything about the new checking account 's debit card I NEVER RECEIVED. Only when I finally insisted on speaking to a supervisor was I informed that I could GO INTO A BRANCH to prove my identity in person and request a new debit card or wait until XX/XX/2016 to request another by phone. I have had plenty of issues with cards in the past and I have never had such issues getting a replacement. 

I already overpaid {$27.00} for only XXXX checks because I DO N'T HAVE TIME TO VISIT A BANK BRANCH, especially for minor bulls*** that is not my fault when I have XXXX businesses to run. 

If I need to go into that branch, it will be to CLOSE EVERY ACCOUNT I HAVE WITH CHASE before transferring all of my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has a free service accessible through www.service.transunion.com that allows you to have a look over your credit status with them. 

Due to moving around quite a lot and having not been on top of my credit it was understandable that when I tried to create an account with them that there were errors in verifying my identity. However, over the past three months after sending multiple documents over email and physical mail Transunion has been inept at following up on the status of my case and have been inept at pointing me to the right people to talk to.

In the past 3+ months I've been sent to multiple departments, told conflicting information, been asked to send the same documentation multiple times. All while never been told the status of the case unless I had to explicitly call. Up till now I've probably spent over 10 hours on the phone with a multitude of agents and still the issue has not been resolved.
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade shared my debt information with someone that was not me. I am not married/I have no spouse so there would not be anybody other than myself to share my information with.
Product: Debt collection

In XXXX of XXXX, I received a debt collection letter from Americollect , Inc for {$570.00} claiming that I owed this debt. In XXXX of XXXX, I mailed an certified letter to this agency requesting that the organization provide me with a legal signed document indicating that I entered into a legal contractual agreement with their organization. On XX/XX/XXXX, I received a medical bill with all of my medical procedures and medications listed on this bill. I did not sign any HIPPA documents giving Americollect authorization to access my medical records. This is a direct violation of my HIPPA rights.
Product: Student loan

On Friday, XX/XX/XXXX, I received a letter from MOHELA which read that my loan was being put into an " administrative forbearance. '' I did not request this. I do not want this. My loan is in the SAVE program where I want and need it to stay. The letter reads that if I wish to opt out of the forbearance, I need to contact them. It didn't say how. Replying to the email was not an option. I tried going to the website. Communicating via email was not an option either. I tried calling and was on hold for hours. 

I believe MOHELA did this to increase the amount of repayment by being able to charge more in interest through forbearance. Since I am unable to contact them, I am unable to stop them from making this unwanted change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX and XXXX XXXX XXXX. 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXU.S. Bankruptcy Court  XXXX XXXX Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til midnight XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary
Product: Debt collection

ATTORNEY FOR CAVALRY KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.
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. Experian, XXXX and XXXX 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 accounts 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 Balance : {$530.00} XXXX XXXXXXXX Balance : {$530.00}
Product: Money transfer, virtual currency, or money service

I have been scammed out of my money when I was promise services I never received. I have contacted the back to tell them that services was never received and to mark the transaction as fraud. The have refused to do so. I had a verbal agreement for services from this so called XXXX  agency to promote my new business and this person con me out of XXXX $ I have all the evidence to show the agreement I have requested cash app cancel it they said no I have requested the funds back from the scammer as well and they declined now Id like my back to mark it as fraud especially they just sent me a letter saying that my card information was hacked so how is all this not fraud. This person is pretending to run an advertising company and its a lie this is fraud we had a verbal agreement
Product: Credit reporting or other personal consumer reports

XXXX is continuously updating the date of last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these accounts to make them last longer on my consumer report. The date last activity on XXXX is XX/XX/XXXX. The date of last activity on XXXX is XX/XX/XXXX and Im sure you will change it the next month. Im not sure if XXXX has some type of business relationship with the collection agency but I am not happy that they are changing the date every month. This account was put on my report XX/XX/XXXX and they are making this account look newer than what it really is which is false and misleading. On Experian and XXXX the account states that the account is Paid and in collections and on XXXX it states that the account is closed and late 120 days. XXXX and Experian states that the accounts last payment was dated XX/XX/XXXX, while XXXX states last payment was XX/XX/XXXX. 

According to the 15 U.S.C 1681 law there should only be accurate information on my credit report. Transition refuses to correct the incorrect information on my credit report. Thus damaging my reputation and character. Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.
Product: Credit card

In XXXX, my account total was {$9700.00}. I made a payment of {$6500.00}, which was intended to pay off the previous balance in full. However, instead of reducing my balance to {$3200.00} as expected, my XXXX statement shows the ending balance as {$9700.00}. This statement does not reflect the payment I made before the statement closed ( XX/XX/XXXX ), and as a result, I have been wrongly charged interest. Due to this incorrect statement, furthermore, I am unable to see my correct balance before it is due to be paid in full for XXXX statement. I have attached XXXX statement.
Product: Credit reporting or other personal consumer reports

re : 15 USC 1681 FCRA Several inaccuracies exist on my EQUIFAX REPORT on every account on these credit reports ( i.e. balance, c/o status, payment history, etc. ). At least one error, if not several errors exist with every account. THESE ERRORS ARE IMPACTING MY CREDITWORTHINESS and ability to provide for my family. Per FCRA findings, it appears that credit bureaus blatantly take advantage of consumers and assume that we, the consumers, do not know our rights and can not go up against them with a challenge. So Far, after numerous attempts to bring errors in credit reporting to the attention of the major credit bureaus, they continue to refuse to correct the erroneous information on my reports. I request that they Please remove items as required by FCRA laws as they have failed to attempt to correct the errors after my numerous attempts to bring the inaccuracy to their attention. I have allowed well over 30 days. 

As the credit bureaus are THE EXPERTS in this field and have aggressively chosen to report erroneous information, they should be able to easily identify the errors on these accounts as it pertains to c/o status, balances, payment history. 

As a FINAL GOOD FAITH EFFORT, I am again allowing a minimal, but reasonable amount of time or enter arbitration with the credit bureaus for statutory damages to include : DEFAMATION and VIOLATION OF FCRA LAWS.
Product: Debt collection

I was a customer of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in 2018. In XXXX of 2018, my account information was changed without my permission. I notified XXXX XXXX XXXX  immediately but they were unable to verify my identity over the phone because someone accessed my account without permission and changed my address, phone number and other info. I had to show identification at a store to get assistance. I requested a passcode be placed on my account to prevent my information from being accessed without my permission, however, that did stop the numerous changes made to my account without my permission. I cancelled my service, paid my final bill and returned all equipment. XXXX XXXX XXXX has sold my account to numerous collection agencies even though I have provided copies of paid in full receipts to them.
Product: Mortgage

XXXX XXXX I tried using new rez XXXX app to make a payment. I was able to access the application and log in. I selected the payment option and the app timed out. Newrez has serviced my loan for over a year and their app has never worked for making payments.

Their app has a contact us option. I clicked on that and it says phone # but no number is listed.

I had to XXXX  their company to find a number to call. The XXXX found wasnt for payments. I had to call a second number. 

Do they want our $ XXXX Noth8ng should be this hard. 

XX/XX/XXXX I called and talked to their service dept. I asked that they log an official complaint. About the app not working and missing phone number. Rep said I would be contacted within 48 hours. 

XXXX newrez has yet to contact me. I called again. They provided an it ticket for reference. XXXX
Product: Money transfer, virtual currency, or money service

I am filing this complaint against CashApp ( 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 changed significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Checking or savings account

I opened an account at Suntrust Bank 3 weeks ago. After receiving my payroll check, I deposited it into my axcount. The bank CLEARED the check ( meaning they have they collected the money ) and then closed my account and is refusing to release the funds to me. No reason given. No explanation. Response from bank has been cold, dismissive apathy. They say they have the right to do this! Meanwhile, my utilities were shut off, bills unpaid, I can't buy food, gas or get to work. I have a XXXX son. Please somebody help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

**Hello, My name is XXXX XXXX . I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX Reported : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with all 3 credit bureaus ( XXXX, transunion and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
The following : 1. Account 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting

I 've contacted Experian Credit Agency. I have not received a response from Experian with the original documentation proving this medical bill from XXXX ACCOUNT # XXXX actually belongs to me and should be posted on my credit. I sent a certified letter requesting the original medical records showing I signed for these services on XX/XX/2017 They are reporting this same account and amount owed two separate times on my credit report. I want these negative accounts removed from my experian report for lack of providing original documentation proving it belongs to me.
Product: Debt collection

My company ( a religious organization ) does not have any debt. Yet a debt collector company keeps calling. I have told the debt collection company to stop calling, and still the calls keep coming.
Product: Credit reporting or other personal consumer reports

Background : 1. Vehicle Purchase : I purchased a vehicle from Toyota on XX/XX/year>. The vehicle experienced a XXXX battery failure the very next day ( XX/XX/year> ), and I have the receipt for the battery replacement. 


2. Warranty Issues : I submitted a request for reimbursement of {$200.00} for the defective battery, which was refused by Toyota, despite having direct warranties and protections under XXXX XXXX implied warranty laws ( XXXX XXXX XXXX XXXXXXXX ). 


3. Credit Reporting Problems : On XX/XX/year>, I discovered a charge-off on my credit report from Toyota, which resulted in a significant drop of XXXX points in my credit score. I've made multiple reports to credit bureaus, including XXXX, regarding this issue, yet Toyota continues to certify the accuracy of the charge-off. 


4. Debt Collection : The debt related to my vehicle has allegedly been sold to XXXX XXXX XXXX, but I have never seen XXXX listed on my credit report. XXXX has sent me documentation related to my Toyota loan, GAP insurance payment, and a claim of {$260.00} in pre-existing damage that wasnt covered. 


5. Consumer Rights : I believe that both Toyota and XXXX XXXX have violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by failing to correct inaccurate information on my credit report and possibly engaging in deceptive practices.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : It has been brought to my attention that { HIRE RIGHT } has listed { negative listing } on my file. To my knowledge, I have never had no tickets or accidents on my license therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { HIRE RIGHT } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that any DUI, OPEN CONTAINER, POSSESION OF HAND HELD DEVICE, SPEEDING ETC, be permanently removed from my HIRE RIGHT report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Mortgage

For several years now, despite scheduling my payments online, on time every month, Chase is charging, then crediting late fees. 

While they are crediting these late fees, there should never be a late fee charged to my account in the XXXX place as payments are always made on time. 

When speaking with XXXX in Customer service today, she said I should be making my payments by phone in order to not have late fees charged to my account. I do not accept that this is a more efficient or better way than making my payments online. 

As an example of how I make my payments, for XXXX, I scheduled my mortgage payment on XXXX to deduct from my checking account on Thursday XXXX, the final day it is due. I have been making my payments like this for the last 15 years. 

I no longer accept that Chase charge then deduct late fees on my account, and I request that they place a clear note on my loan accounts with them that states my account has never been late. I understand how these things work, and it could prove to be problematic for my credit down the road. 

Thank you for looking into this, XXXX XXXX
Product: Mortgage

FRAUDULENT FORECLOSURE : I TOOK OUT A LOAN BUT THEN MY MONTHLY PAYMENT INCREASED TO AN AMOUNT THAT WE DID NOT AGREE TO. I TRIED TO DEAL DIRECTLY WITH THE BANK BY DOING A LOAN MODIFICATION BUT EVERY TIME I HAVE TIRED, THE BANK KEEPS ASKING FOR DOCUMENTATION THAT I ALREADY HAVE SENT TO THEM. ALL THIS TIME IT SEEMS THAT THEY HAVE KEPT ME ENTERTAIN DOING A LOAN MODIFICATION BUT IN REALITY THE BANK JUST KEPT MOVING WITH FORECLOSURE PROCEDURES. THE SALE DATE IS SCHEDULRE FOR THE XXXX OF XXXX OF 2015 BUT THE BANK HAS NOT SHOW ANY SIGNS OF GOOD FAITH TO TRY TO RESOLVE THE ISSUE IN A DIFFERENT WAY.
Product: Credit card

I used my Citi XXXX HHonors Reserve credit card to pay a bill. I disputed the charge and submitted the appropriate documentation. Several weeks later, I received a letter rejecting my dispute. When I contacted Citi, I was told I do not have any dispute rights for quality of services issues. 
She said " without a valid credit slip, we are unable to intervene on your behalf with the merchant or their Bank. '' In trying to better understand my rights, I was given the run-around by a clerk and his supervisor. It was not explain to me how to get a valid credit slip.
Product: Credit reporting or other personal consumer reports

Experian score XXXX XXXX XXXX, and XXXX XXXX. Notified that I have been named in more then a few data breaches, social security number on the black web for what or how ... Experian is reporting XXXX XXXX that has been cleared - Social Security XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX This is all about The credit Reporting False Information Causing Me Financial Hardship. Please stop the reporting of incorrect information. 


Thank you XXXX XXXX
Product: Debt collection

I received a notice that Wakefield and Associated was collecting a debt for XXXX XXXX in late XX/XX/XXXX. The medical debt was invoiced and paid in XX/XX/XXXX so I sent proof of payment along with a debt dispute letter and a request for debt validation within 30 days of receipt of my first notice from Wakefield & Associated. Tracking shows it was picked up from the post office in XXXX XXXX, CO on XX/XX/XXXX. As of today, XX/XX/XXXX, I still have not received debt validation. I have, however, been contacted via my cell phone on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wrote a letter requesting communication only in the form of letters and provided my address. This letter was received by Wakefield & Associated on XX/XX/XXXX. Therefore, the XX/XX/XXXX call was a violation of my rights under the Fair Debt Collection Practices Act. I am attaching documents showing the call from a Wakefield associate today, XX/XX/XXXX, and tracking information showing they received my letter that asked I not be contacted again via telephone.