23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account exposed and unprotected. Additionally, its dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting I however, never received any calls, notices, or letters from IC Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently pulled my credit report for the first time in a long time and I was totally unaware of these inquiries and never have I applied for anything from these companies. Im very confused and scared.
Product: Debt collection

Hi IC SYSTEMS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

On XXXX and XXXX, a vehicle owned by my wife and I with License plate number XXXX, traveled through the XXXX XXXX XXXX ( XXXX ). XXXX utilized license plate recognition to capture the license plate information. The original amount of the tolls was {$11.00} However, XXXX proceeded to send the statement of activity and all related correspondence about the account to an address not affiliated with the vehicle registration at the time. The vehicle was registered at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. XXXX 's correspondence was sent to XXXX XXXX XXXX, XXXX XXXX, PA XXXX. As such we never received any notice about the alleged debt. 

Instead, XXXX sold the debt to Linebarger, Goggan, Blair & Sampson, LLP XXXX XXXX XXXX XXXX, XXXX, TX XXXX ), fraudulently adding additional late fees in the amount of {$75.00} for a bill that they never notified us about. In XXXX, XXXX, A " Notice of Debt '' was received from. Linebarger Goggan Blair & Sampson, LLP - ATTORNEYS AT LAW threatening legal action over the debt. XXXX  ' ( refused to give last name ) answered a inquiry phone call about the account and rudely refused to give any additional information until I started asking for supervisors. She then proceeded to give a different address where disputes needed to be sent. 

A dispute letter was sent on XX/XX/XXXX disputing the debt based on 1 ) lack of evidence of initial charge ; 2 XXXX failure to provide 'chain of debt ownership ', and 3 ) the fact that we were never notified of the original debt ( including a copy of our vehicle registration showing the current address ). Linebarger was given 30 days to respond. 

In XXXX, XXXX XXXX 6 months later ), a packet was received from Linebarger with copies of the XXXX correspondence, all of which proved that the correspondence had been sent to the wrong address. and failing to provide the information requested and again threatening legal action. Calls to the number ( s ) provided have been met with a dizzying array of voicemails, misdirection, and outright lies ; all of which have failed to produce an answer to our queries. 

XXXX has refused to speak about the issue as they have already referred it to collections. 

To date, Linebarger has utilized the following addresses to hide their location : - XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX - XXXX XXXX XXXX, XXXX XXXX, TX XXXX - XXXX XXXX XXXX, XXXX XXXX, TX XXXX - XXXX XXXX  XXXX, XXXX, TX XXXX
Product: Mortgage

on XXXX I contacted BAYVIEW LOAN SERVICING , LLC about the Law that was passed On XX/XX/2020, the United States Senate passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), aimed at providing financial relief to the American people and American businesses in response to the economic fallout from the fast-developing coronavirus ( COVID-19 ) pandemic.THIS law includes THE MORTAGE DEFFERMENT ACT. and the 3 reps. that I spoke with said that this company is not going to comply with the executive order signed by President Trump. this company is litsed 501c3 non profit. they should comply with the executive order being a non pofit entity
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collections activity related to this item cease pursuant to my rights within the FCRA and FDCPA laws. 

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), State of MI of XXXX account opened on XX/XX/XXXX under account number ( XXXX ), and another State of MI of XXXX account opened on XX/XX/XXXX and the account number is ( XXXX ) .The accounts have resulted in a fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account the collection, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal trade Commission that all of the aforementioned consumer credit account collections are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( Demand for relief ) : I request, pursuant to FCRA 6 6058 ( 15 U.S.C. 6 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).
Product: Debt collection

On XXXX, my mother gave me a letter that she received in her mail. The letter was from a collection agency XXXX XXXX XXXX XXXX XXXX demanding payment for a XXXX XXXX bank. I remember my mother paying off my debt I owed to the bank. My mother had a copy of, proof of payment through a different collection agency for the same thing. Therefore I took the letter to the bank and asked why i received this letter knowing the debt was paid. The lady at the bank took a copy of it and let me know not to worry about it. In XXXX of XXXX I noticed i was being garnished from a liberty acquisitions servicing llc for {$21000.00} since XX/XX/XXXX. I was mortified! I found out this garnishment was for XXXX XXXX. I started calling around asking question and information, that I was denied of. So after collecting {$1600.00}, they stopped the garnishment on XX/XX/XXXX. I thought this was over, but on XX/XX/XXXX, I received a garnishment letter from the same collection agency again. this time garnishment is for {$5800.00}. Their attorney signed the paper on XX/XX/XXXX and my wages started to be garnished on XX/XX/XXXX before I even had anytime to dispute it. I called the agency and let them know this has been paid off already and sent them a copy of the proof of payment. Their attorney XXXX said that this proof of payment is not satisfactory because this debt is for a credit card and not a bank account. I was super confused at this. He took a picture and sent me a picture of what account it was for. On the judgment it says that i had opened a credit account on a SUNDAY of XXXX. I have been qualified for home loans and car loans, my credit history is clean, it shows no debt. I have a credit report from XXXX XXXX from XX/XX/XXXX, and this " debt '' is not on it. the attorney can't seem to explain any of my questions. I asked him to send me the entire judgment, but instead he just took a picture of the front and sent it to me. I do not claim or will I ever claim this debt for this is not mine. I never opened any credit card accounts until XXXX but from a different bank. This seems very fraudulent, due to them not wanting to give me any information regarding this debt, not following proper procedures, garnishing greater than total amount owed ( they said the original amount was {$1100.00} ), failing to give timely notice of garnishments. I have asked them to refund me all the money they stole from me, but they denied me of it. I am reporting this as a fraud due to never having a credit card account of the year XXXX, SPECIALLY opening the account on a SUNDAY. Case # is XXXX
Product: Credit reporting or other personal consumer reports

I have letters from the XXXX XXXX XXXXXXXX informing me that Experian never contacted them by phone or letter even if experian did contact them they would not give any information about me or any cases, I am the victim of ID theft my name, ssi, date of birth and address has been used in a number of fraud accounts. Experian told me they looked up the bankruptcy on a public source or used a third party. here is the correct number to the XXXX XXXXXXXX clerk of courts phone number XXXX this who experian is claiming that is reporting the bankruptcy how is this true when they informed me they are not reporting anything to experian under account or reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts need to be blocked or removed due to ID theft i already filed a police report no need to file a new police report
Product: Credit reporting or other personal consumer reports

I'm trying to freeze my account from being reported and I can't log into my account.
Product: Credit reporting

I was never late. APPLIED BANKAccount # XXXX. 
Its reporting i had a 30 day late XX/XX/2014. That is false an inaccurate.
Product: Debt collection

I would like to make a complaint against LVNV Funding LLC and XXXX XXXX XXXX. I have sent a request for the creditor collection agency to validate the debt they are claiming. The company in return went and filed a lawsuit against me in Covit-19 and has a pending status on me. They have not responded to my request for debt validation and are still sending me letters to pay a debt that was not verified. Now I am being harassed by lawyers to defend myself against this unvalidated debt. I have also requested the 3 credit bureau to take action to have the debt verified and they just sent me a statement saying that they will not remove it and is updated.

I found this action to be taken against me to be very ridiculous and out of order that I came home to hear that I had police knocking at my door than leaving an orange sticker at my resident door saying this is a civil matter call me. I looked up the code that was listed on the sticker and seen that it was the same company that I asked to validate this debt. 
I have also had XXXX XXXX XXXX not verify their debt as well and have taken the same measure with the 3 credit bureau to have this debt to be validated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was contacted by XXXX offering a job for XXXX XXXX with data collection. On XX/XX/2022 I received an atm check for purchasing supplies and sending money to suppliers, then on XXXX XXXX I deposited the check and the funds were available in my Navy Federal accounting XXXX XXXX. I was then asked to send 3 XXXX transactions of {$200.00}, {$450.00}, and {$550.00}. I am now aware that i might have been used in a fraud scam and the check deposited into my account might not even be real and the funds not actually in my account. Navy federal is a good bank but approved my check and now froze all of my assets due to a potential scam. I do see how I might have been gullible for accepting this job and not looking more into it but I firgued it is 2022 and remote work is so common and a check was sent to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. 
Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX  XXXX Account Date : XX/XX/XXXX Account name : XXXX Account Date : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. 

This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. 

The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. 

Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. 

In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. 

I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. 

Thank you for your immediate attention to this urgent matter.
Product: Checking or savings account

Dear Sir/madam : On XX/XX/2024, XXXX XXXX refund my purchase in the amount of {$190.00} to my M7T Bank account ( see attached ). Unfortunately, M & T Bank refuses to place or show the funds in my checking account. I sent M & T Bank a message via there online portal and they acknowledged receipt of my email. 

I called M & T Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX to speak to associate XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX stated that he would call me backwhen I called him the first time. Since a hour had past, I decided to call XXXX XXXX back again and I was advised by a XXXX employee that XXXX XXXX was with a client and that he would call me back. He NEVER DID! 

I then sent XXXX XXXX a email ( see attached ) and unfortunately, he never responded. I would like to know, WHY is M & T Bank holding my funds hostage so that I can not use them?
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of Equifax breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and XXXX
Product: Debt collection

I got the loan XXXX XXXX, 2016 from SpotLoan for {$800.00} ... .first payment was {$140.00} on XXXX XXXX and then I sent in check for {$800.00} on XXXX XXXX, using a consolidation loan from a local consumer finance company, using my husband 's vehicle. They contended that we still owed them {$350.00} since then. We do not think we owe them anything else, as we paid them back the loan, plus some interest, all within a month. We had email exchanges about the disputed debt in XXXX XXXX XXXX XXXX ). They told us that we were 11 days past due. We could n't pay anything else, as we had just paid off all of our various internet loans with our consolidation loan, and were and still are in the process of repaying that loan. 
XXXX XXXX, a woman named XXXX from XXXX XXXX called my father in-law, looking for my husband or me. She gave him the fie number, and told him that we had to pay. That same day, while at work, I had received a call from her saying that she was from XXXX XXXX and telling me that I owed on a SpotLoan loan, and that I had to pay her {$350.00} over the phone. I did n't have my credit card with me, so I went home to get it and found out that she had called my father in law, even though that day was the first day I had ever been called from them at all. They had also within 10 minutes of calling my father-in-law and me, called my husband 's cell phone that same day. 
I was threatened that she was part of the legal department and she was sent to review the case before sending it off to recoups as a garnishment. Because we had already paid so much at the very beginning of the loan, I was n't sure if she was legitimate. I requested that she send me proof or validation of the debt. I asked that it be sent to me home in writing, not by email. 
I was then called on the XXXX of XXXX, asking if we had received her email. I said no, and noted to her that I had also requested it to be sent to my home address. She said she had mailed it out on the XXXX. I have yet to receive it, and I also have not received any emails. 
XXXX also insulted me because she then accused me of trying to get out of paying by asking for proof of the debt. I believe I have a right to know what they think I owe, since XXXX from XXXX XXXX is the XXXX that is calling us and the address I was able to get from them is XXXX XXXX XXXX, NY XXXX and her phone number is XXXX ext XXXX ... ..she is saying claim # XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred money from XXXX XXXX to chime It was successfully sent the next day it disappeared and they keep saying XXXX XXXX has the funds but they investigated and couldnt find them. So Ive been emailing a chime representative who said they located my funds and reached out to there bank partner I reached out again on XX/XX/XXXX to be told again the funds was sent back to XXXX XXXX and they have no proof a representative from there team sent me a email saying they found my funds. So now Im confused as of where XXXX vanished to. A XXXX rep also stated something about the wrong address XXXX XXXX XXXX XXXX was my old address
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had numerous fraudulent inquiries on my report and trans union removed them, only later to reappear on my report. It is now hindering me from getting funding and credit cards. Ive contacted them and dont one was able to explain to me why and didnt help me. Only inquiries that are valid are XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX on XX/XX/XXXX