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

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting

I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 3 Company 's did not have approval, permission or authority to run my Credit. Nor do I have any credit with these Company 's. On XX/XX/XXXX and XXXX and XX/XX/XXXX and XX/XX/XXXX I contacted TransUnion Credit Bureau and requested these Inquiries be removed as these Companies did not have permission, approval or authority to access my credit report. 


XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

I got a loan for a new vehicle over {$100000.00}. Its always been set on auto pay for the entirety of the loan. I got a certified letter stating I owed {$47.00}, after I got home from being on vacation. I called Bank of America XXXX XXXX XXXX XXXX XXXX XXXX  ) on XXXX, I spoke with XXXX XXXX and tried to pay the {$47.00}, SHE WOULD NOT TAKE A PAYMENT because she said there was no balance. I have worked very hard over the years to keep a good credit score, so I was worried, and questioned her. She stated again that there was no balance and I could not pay, that the letter must have been in error. In fact it was my last payment and BOA owed me a refund. I specifically told her Im very particular about my credit report she said I had nothing to worry about. On XXXX, I got an alert that I had a derogatory mark on my credit report. I immediately called BOA and spoke with XXXX at XXXX ( XXXX XXXX ) where he assured me that it was an error and I was not late and had a refund. He said he would open an investigation and it would be taken care of. This was never taken care of.
Product: Credit reporting or other personal consumer reports

I used to have an American Express credit card, which I closed on XX/XX/year>. It's been 11 years, and this closed account is still showing up on my credit report. I would like the credit card company to remove this record from my credit report. Thank you.
Product: Mortgage

Filed a claim with companies Loss Drafts Department. After 18 month we did not receive payment. 

XX/XX/XXXX Faxed requested paperwork to company ( copy of endorsed check, copy of invoice, letter requesting payment ) Company advised us to check back in 24 to 48 hours to see if claim is processed. XX/XX/XXXX Called to follow up, company informed us there was a mistake in our paperwork and it needed to be corrected. Company never bothered to inform us there was a mistake and just sat on the paperwork for days. Spoke with a supervisor who told us we would have a check " in our hands in 2 days ''.

We corrected the mistake. Tried to upload papers to company. It would not upload.Faxed the corrected paperwork to the company. Also overnighted paperwork to company.

XX/XX/XXXX Did not receive a check. Called company, was told it would take 6 business days ( from XX/XX/XXXX ) and we would have our check.

XX/XX/XXXX Still no check. Called company was told it was sent regular mail and would take 6 to 10 business days. Then they mentioned the amount of the check which was not the amount we were owed.

XX/XX/XXXX  Still no check.
Product: Checking or savings account

This account was opened & closed without my acknowledgment .I reported it as fraud but my claim was not supported. i paid off the account and agreed with the bank that this account would be removed from my credit/background upon receiving payment .She as well agreed I requested 15 days for removal even though she insisted 30 days. i am still unable to unlock my current bank account or use it just cause of this report. I would like it to be removed and updated expeditiously.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, for the violations.
Product: Money transfer, virtual currency, or money service

Venmo froze my account with no warning with over {$5500.00} in it. After reaching out to the company and getting the runaround for several weeks I received two dismissive emails from the company saying they would not release the money and might possibly keep it.
Product: Mortgage

I applied for a mortgage with Bank Of America. They were doing underwriting. Ten days before closing, they requested me to switch the property 's occupancy from primary to investment so that Bank of America could raise the interest rate and fee. I provided them with the fact that I have to live on that property as my primary home because my current home will be given to my older brothers, my parents, and my grandma to live. My family will relocate to America soon, and they will have nowhere to stay, but the Bank of America has forced me to change the facts because they know that the seller will not extend the closing date for me to look for a different lender. Bank of America has placed us in a situation where we have no other option. I would like to request the CFBP to investigate bank of America, as they have been using this tactic to exploit mortgagees.
Product: Money transfer, virtual currency, or money service

I sent a XXXX scammer some money, he never sent me concert tickets. I know it was my bad. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to XXXX XXXX XXXX account, right? For some reason, every scam I come across involves XXXX XXXX XXXX. '' Telling, right? 

XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank XXXX XXXX XXXX and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing XXXX could do and that the claim was closed. I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to XXXX. XXXX will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me ( and I 've learned ) some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 

One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 

Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and XXXX  XXXX XXXX is a haven for scammers.
Product: Credit card or prepaid card

Charged {$71.00} from XXXX. XXXX screwed the order so bad they gave me a {$7.00} credit on XXXX for shipping. Lamp never delivered. XXXX knows this as driver 's photos show XXXX small packages at the door. Scale was delivered but does not work. Weighed me in at XXXX lbs. The bill is inaccurate and will not be paid. XXXX and Discover both know that these charges are bogus and are engaged in interstate theft and fraud. Bought a scale from a different vendor XXXX Discover statement. I will pay {$6.00} for ice trays and bin, that's it. 
The bill is fantasy and wildly inaccurate and both billers know it. It is a testament to the dishonesty and incompetence of both.
Product: Student loan

I applied for income based repayment in XXXX 2016. My Fed Loans has continually put off processing the application. I have called them multiple times a month for the last few months and it still has n't been processed. They keep saying that if I a pay a {$4.00} bill it will get processed. At first the bill did not come for a couple of months despite calling repeatedly and asking about it. Now I have paid the {$4.00} bill twice and still my loans have not been processed to income based repayment. Fed Loan Servicing keeps putting my loans in forbearance allowing interest to accumulate at an astronomical rate. My wife 's applied at the same time in XXXX had her loans processed in 2 weeks by XXXX XXXX XXXX. No matter how many times I call and they promise it will go through nothing has happened.
Product: Credit card or prepaid card

Chase I did not ask you to update anything I asked you to delete the two trade due to XXXX XXXX you refuse to do it and claim that XXXX XXXX removed it can you send me the actual proof of work done in XXXX XXXX remove the dispute box because I have every credit report eating back from last year only thing I need from you is the mark the date in the year of the XXXX XXXX so-called remove the mark remarks there was never any remarks on my credit report and that would put you in violation and I do want to let you know Ive already reached out to the Minnesota Attorney Generals office about your arm organization Im not sure if you and your XXXX XXXX  will get it or your legal team will but our regarding your last response via the CFPB website portal I will be forwarding that information to the Minnesota states attorney office And my last dispute the bill the XXXX website also with each creditor you claim that you will not be investigating because when I send you factual basis proof that the account is not reporting correctly oh update no you need to delete the  accounts immediately both of them I ask you will be sued for {$1000.00} per and I repeat per credit bureau if you dont believe me try me
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 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 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
Product: Credit card or prepaid card

I had a visa credit card account with First National Bank of Omaha. I could only access the account and received statements for the account online via website with login credentials. I lost those credentials in XX/XX/2018 and since then have not been able to access the account. In mid-XX/XX/2018 I received notice of civil action from the county court of PA stating that another company XXXX XXXX XXXX XXXX is suing me for what they allege to be the balance of that cc account. I do not know nor have ever done any business with XXXX XXXX XXXX XXXX. When I contacted the First National Bank of Omaha, mid-XX/XX/XXXX, to resolve the account they said the account was already sold and they could not provide any further information. Both First National Bank of Omaha, and XXXX XXXX XXXX XXXX failed to notify me of the outstanding balance or the sale. Neither First National Bank of Omaha, nor XXXX XXXX XXXX XXXX contacted me otherwise regarding the outstanding balance or the sale. The civil complaint is the first notice of this outstanding debt. Additionally, XXXX XXXX XXXX XXXX is attempting to include their court costs and fees to the alleged outstanding balance. I did not authorize First National Bank of Omaha to sell my personal information to XXXX XXXX XXXX XXXX or any other company. First National Bank of Omaha should have contacted me before selling the debt and allowed me the opportunity to resolve the debt. I would like to resolve this matter without additional or unnecessary costs, and without unfair legal proceedings or reporting.
Product: Mortgage

Specialized Loan Servicing has threatened to foreclose on my home. I can not get anyone to give me a straight answer. I sent in a QWR months ago that they did not respond to. They sent a notice of default in XXXX 2017 but have not foreclosed yet but threaten and send bills and call constantly. I asked for a breakdown of all the late fees they are charging me ( {$30000.00} payments and late fees ) but will not send me a breakdown as to how they came about this number. What can I do? Please help. This company is impossible to deal with. I am trying to obtain an attorney.
Product: Checking or savings account

I was living with a roommate she had access to all my information and she tried to remove my {$600.00} from my chime online banking account I tried to obtain my money for 3 months and they would not allow me to have it. I tried to obtain my money for 3 months while all the time telling them that I'm the one that started the fraudulent complaint they said I was not entitled to my money any longer and said they're keeping {$600.00}. I sent them a copy of my license I sent them a copy of my social security card I sent them a copy of proof of address and they still wouldn't release my funds what do I do how do I go about getting my money back please contact me at XXXX or my email at lowercase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ].

To resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance.

Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX-
Product: Checking or savings account

Started insurance policy with XXXX XXXX. Paid policy in full via eft from my checking. The next day ( before the policy ever started ) I cancelled. XX/XX/2021. 

After months of no refund, they still charged me again 20 calls later and the run around I finally got refunded XX/XX/2021 Then I got a bill in XXXX of this year claiming my original payment was still owed. Called XXXX XXXX  again. Told to disregard. 

Last week I was put into collections. Another dozen phone calls later they claim my payment from XXXX was never debited from my account. Funny that the dozens of calls to get my money back they never claimed this. My bank says it indeed went through. They claim it didn't. 

So if I all XXXX they say they can't do anything even though my bank gave me all the proof they wanted. I sent it in an the response I get each time is it must be a bank error. 

I can add. They stole XXXX dollars from me. I'm not rich. This amount couldn't fly under the radar. 
If a company is not willing to admit they stole my eft from my checking despite my bank corroboration I was told to try you guys. 

Take a look at the attachments. I got charged and refunded. One charge. One refund. Not refined twice as being claimed. 

The branch manager has also recommended we filtered by paper check so they can not claim to have sent me that rather than my eft return.