23daVinci/CFPB_Complaints huggingface dataset:
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 violates 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 regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Hi, I have asked this company numerous times to validate this debt. They keep sending me statements or this form ( I will attach ). They have not proved this debt to be mine! I have also disputed with XXXX and XXXX, both in which have NOT been able to validate the debt & the tradeline from the original creditor ( XXXX  XXXX ) has been deleted from my credit profile ( I will attach proof ). Not even the credit bureaus could validate this debt. Please stop all attempts to collect on this debt, it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to the bureaus about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to XXXX XXXX XXXX XXXX but my credit is making the process a lot harder.
Product: Debt collection

I received several messages from friends and family during early XX/XX/2019 that a company was trying to reach me about collections. On XX/XX/XXXX, I received the first phone call direct to me to discuss the collection. Upon verification of personal information, I was told that I had an outstanding debt of {$1300.00} with XXXX XXXX, and that they were trying to collect. In addition they noted that there were legal costs on top of that amount which they threatened to charge me with. I disputed that I had any debt balance with XXXX. I had a bank account there several years ago, and a 12-month loan which was paid in full and on time. 

They offered to send verification of the debt, but I only received a letter from the collection agency, with no backup of information received from XXXX XXXX. I called them again, and was told that they had no obligation to prove the debt I owed and that I had to reach out to XXXX XXXX to verify. I told them that I had no intention of taking their word for the debt and until they could offer proof, I was not going to pay the amount. The representative then asked why we were even on the phone, which I agreed with, and hung up. They called back again on XX/XX/XXXX, and I told them I was unavailable to speak with them. I have not heard from them since.
Product: Vehicle loan or lease

My car was repossessed by American Honda Finance on XX/XX/2018. I was never given a notice of sale. This violates my consumer rights, California Penal Code 1812.2 ( state car was repossessed ) and XXXX XXXX ( state where I reside ). I updated all contact information with XXXX on XX/XX/2018, well over a month before Honda sold the car. His phone number is ( XXXX ) XXXX. This information can be verified via my account notations. I was never given the option to redeem the vehicle, nor was I afforded the opportunity to attend the auction as no notice was sent to my current address. Suspiciously, after the vehicle was sold, Honda was able to send the deficiency bill to my current address ( on file ) - I will attach a copy of this.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a Check drawn on The Huntington National Bank ( Check No. XXXX ) on behalf of my son, XXXX XXXX XXXX who is currently serving in the XXXX XXXX in XXXX. I have a Power of Attorney to handle my son 's financials while he is serving in the Marines. 

The Check was dated XX/XX/XXXX, in the amount of {$660.00}, for CFPB XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The check indicated Void if not deposited within ninety ( 90 ) days of date of issue. 

After depositing the check in my son 's bank account on XX/XX/XXXX, I was contacted by the XXXX XXXX XXXX and was told that the check was returned by Huntington Bank and could not be honored since it was past the ninety ( 90 ) day period. I was advised to contact the Huntington bank and request that the check be reissued. 

I contacted the bank and spoke with a bank official that advised me that the check was returned because it was " stale dated ''. I was advised to contact the Payment Administrator and request that the check be reissued. 

Upon contacting the Payment XXXX at ( XXXX ) XXXX, I was told that the case was closed and the check could not be reissued.
Product: Money transfer, virtual currency, or money service

I have been a member with NAVY FEDERAL since XXXX and have since received various products and provided the company with great considerable value as a silent investor. In XXXX the company received my notice to claim all rights, titles, interest and guaranteed equity due to the Principal from the equitable assets provided upon engagement in commercial practice. The company has yet to transfer all securities including : notes, bonds. coupons, certificates of indebtedness and any marketable securities in their commercial entry system bearing the Principal to the XXXX account for the Principal as instructed via our correspondence. Refusal to complete requested transactions constitute a breach of fiduciary duty by the company. Your due diligence and prompt performance is much obliged.
Product: Debt collection

XXXX XXXX, 2017, I contacted Bonded Collectors in XXXX, WI., to try to set up a payment plan. XXXX, the agent I talked to, said he would not accept the $ XXXX/month that I offered and said that I would be in contempt of court and that my wages would be garnished if I did't pay this debt off.
Product: Debt collection

accounts receivable management inc. has called more than 200 times after they bought the account from the XXXX  XXXX XXXX for XXXX i tried to tell them im in the process of XXXX
Product: Vehicle loan or lease

I received an auto loan through Wells Fargo for my truck. Unfortunately, I have developed an XXXX in my XXXX as a result of a XXXX XXXX. Due to the XXXX I needed to have my XXXX  XXXX XXXX taken out and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For six weeks Ive been on antibiotics through an IV. Then a XXXX XXXX XXXX surgery and a few months of recovery. During this time I am unable to work. I also have no income, I am waiting for the auto insurance to send me a check for my lost wages. I have tried to work this out with the lender and they said they have no way to help me. When the check is sent I will be able to pay off the total owed for while Ive been off work XX/XX/XXXX- XX/XX/XXXX.
Product: Mortgage

I filled for a mortgage modification with my mortgage company, Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they told me my mortgage was not in active modification review after my file had been submitted. XXXX XXXX, at Wells Fargo was my representative but they change it every month. Since that timeI would submit files to Wells Fargo and my home preservation specialist would tell me they do n't have access to my Wells Fargo XXXX Portal. Other Wells Fargo Reps have told me they can see any file I put into my file via the Web Portal. 
My file was submitted and a decision was never submitted through the XXXX Portal. there is no decision on my file. and I am now File. On XXXX XXXX, XXXX Wells Fargo did an interview with me to request extension. they did an interview on me and instructed me to fax them documents. I turned in the documents and spoke to the extension 7 day team. But when I spoke wells Fargo two days later, Monday XXXX XXXX, XXXX they told me it was too late to stop the sale and that my house was in auction as we spoke. I called them XXXX XXXX, and they told me they sold my house in auction. Then I got a letter from them dated XXXX XXXX, XXXX and they were now going to do some research on my house and they would get back to me on if my house was sold. I am stressed out and I cant eat. 
On XXXX XXXX, XXXX Wells Fargo informed me that they sold my house at Auction. I love my home and I want to keep my home. I first bought it in XX/XX/XXXX. This is my XXXX home and its for my son. So this is quite traumatizing. They are trying to sell my home without making a decision on my request for modification.
Product: Mortgage

In XXXX I transferred my mortgage to Chase with a balance of XXXX. In XXXX, I lost XXXX of my XXXX jobs and i was worried that I would not be able to make my mortgage payments. I contacted Chase for assistance, I was told that the only way for them to help is if i would miss 3 payments and fall behind on my payments which I did. They offered me a loan modification. I was told that I would have to accept this offer or I would lose my home and the offer was this : My interest rate did not change. It stayed at % 5.75. which was the same rate as of XXXX 
My monthly payments went up by {$50.00}. 
My principal amount went up by the amount of missed payments. 
And My maturity date changed from XXXX, which was the the date for the 30 year fixed mortgage to XXXX I have to pay and additional XXXX years of interest ... .. 
I am asking for help to resolve this matter. The Chase bank did not help me in my time of need. They took advantage of my bad situation and threatened me to take the " loan modification '' or my home would go into " foreclosure '' and I had no choice but to take the deal. Since then I have contacted Chase to help me with this matter but they insist that what they did was correct. 
I am XXXX years old and with this modified loan I will not be able to pay off my home. I most likely be dead by XXXX..Chase bank has taken advantage of my situation and has increased my loan repayment interest by XXXX years or XXXX additional payments in the name of helping the " customer '' or loan modification. I am not able to refinance my loan with a better rate and I have lost the opportunity to get a lower mortgage rate because of their actions. 
Please help me to regain a fair chance to own my home and not to continue paying all these extra interest payments. Thank you I have not missed a payment since the recommendation was made for me to fall behind my payments.
Product: Credit card or prepaid card

The company asked me to send them private pictures of my social security card front and back to verify my identity a year plus after already having the card and blocked me from accessing my account. I told them I wasnt comfortable and they stopped responding for months. I happened to notice after several months that they started allowing you to verify with your drivers license since enough people were complaining about sending them their social security card. I submitted my drivers license and it pended for about 6 months while I continued asking them when I would have access to my account. Now as of a week ago they sent me an email that says that they decided not to allow me access to my credit card and thats their final decision because I didnt send them my private pictures when they wanted me to. This can not be legal. Im beyond disgusted. Im trapped in this nightmare of a card and was supposed to have a {$1000.00} credit card line. I have about {$600.00} available credit that Im not allowed to access and I have no idea what I actually still owe because theyre auto drafting my account every month for the remaining balance but I have no access to my account. How can I report them for fraud and illegal business practices? This is unacceptable and more people need to know what Grain is doing.
Product: Mortgage

On the year XXXX the XXXX mortgage with XXXX XXXX then held by my father was in default. He was very ill and was XXXX. He tried to negotiate with XXXX XXXX and requested a deed in lieu. 
He was not successful and shortly after on XXXX XXXX he passes on. I inherited the house with default. I immediately seek legal advice. However it was not the correct XXXX. The attorney actually stated it that the house was in foreclosure and there was nothing that could be done. I continue to seek advice from other sources and other attorneys to now find myself in a very dangerous situation. My home, my inheritance continues to be in foreclosure and I need to safe my home. This is my only shelter. 
On XXXX XXXX I received a notice from Selene Finance that they were now holding our mortgage. I approach them and no one could help me. I have hired an attorney XXXX XXXX XXXX who is helping me with he paper work. I have requested a loan modification with Selene Finance however my shelter, my home is listed in the news paper for a foreclosure sale day of XXXX XXXX .Please note that these banks due not take the time to help. I am asking for you to please have my file review and give a chance to keep my home.. 
thank you
Product: Debt collection

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT This Company ACS, Trying to collect a debit with a XXXX amount of {$4100.00} it look like a gas debit under my name. I do live completely different from the address that they report they have no evidence or prove of any bills not paid and from how long, they said is a residential. But there is no residential bill that is on that amount, they call me and they threat that if I don't pay I will be arrested, they call back again and one operator it said that they will send a Sheriff Dept. at home, i get lot of stress I do not sleep on night the costumer service is so aggressive and bad
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I just found out about a collection or account that I had previously contested and had taken off my credit report. I don't recognize this account, which is why. It has been brought to your attention on multiple occasions, and I have provided evidence, including a Federal Trade Commission identity theft report and a police incident report that was submitted with my neighborhood county police station. It has repeatedly been readded without my knowledge or written agreement to my TransUnion credit file, and I have never received formal notification of the reinsertion in the mail after the reinsertion. It's possible that the Fair Credit Reporting Act wasn't followed in this situation. You previously looked into this account and deleted it as a result of your own research, which showed that this collection account had been erroneously reported. I have the findings of your agency 's investigation, which indicate that the account was removed from my credit report because it was deemed to be false, erroneous, or unverifiable. The investigation 's results were also included with my earlier Transunion complaint that I filed with the Consumer Protection Financial Bureau. The other two major credit reporting agencies likewise deleted this account, but your agency restored it. Section 611 of the Fair Credit Reporting Act requires your agency to have reasonable procedures in place to prevent previously disputed tradelines from reappearing on a consumer 's credit report. Additionally, consumer reporting companies covered by the Fair Credit Reporting Act are required to implement reasonable measures to guarantee the highest level of accuracy. If you believe that this report is accurate, I need senior member adviser at Transunion Holding Company to provide me with a written statement that certifies this account as accurate under penalty of perjury. If not, kindly do a prompt review of this account/collection and immediately remove the item from my credit report. Thank you. 

XXXX XXXX XXXX
Product: Debt collection

Penn Credit reached out to me on XX/XX/2022 in regard to an alleged debt. According to their letter I had until XX/XX/2022 to reach out to dispute the debt. I sent a letter XX/XX/2022 certified with USPS. According to the tracking number, they received it on Friday XX/XX/2022 at XXXX XXXX. Even after receiving my letter on time, Penn Credit still placed an adverse mark on my credit report ( a collection ) on XX/XX/2022 which shows as opened on XX/XX/2022, a day before their letter was received by me. 

They have violated my consumer right as pursuant to 15 U.S.C 1692d ( 1 ) ruining my reputation/defamation of character of credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

This debt collection I have no clue about or where it has come from. I have never done any business with this company, they are threatening to put this on my credit report. I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me
Product: Debt collection

Hello, I have been repeatedly contacted by Midland Credit Management several dozen times since XXXX. Midland is attempting to collect a debt for one " XXXX XXXX ''. I do not now, nor have I ever, known or had dealings with this individual in any capacity. I have owned my current cell phone number for over a decade. I have provided Midland with basic identifying information including my name and address and instructed them to disassociate me from XXXX XXXX, and remove my cell phone number and any other contact information from their system, and to STOP calling me. I also mailed a letter on XX/XX/XXXX instructing them to cease calling me. I have further plans to call back today and request to speak to a supervisor again, and also to mail yet another letter ( certified mail this time to I have evidence it was received ). 

Below are the dates of the most recent nine phones calls from Midland. Each time I pick up I calmly explain to the individual on the line that I do not know Ms. XXXX, have no dealings with her, and that the number they are calling is in no way affiliated with her. Each time they have promised to remove my number from their records, but within a month 's time I will receive another barrage of calls. 

DATE TIME NUMBER XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX   EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX
Product: Vehicle loan or lease

XXXX, XXXX or XXXX, Fifth third bank/XXXX  XXXX XXXX had my out repossessed. I was not behind on my payments, nor was I late paying but my auto was repossessed while i was interview for an XXXX  XXXX  ( XXXX/XXXX  ) position with the Commonwealth of Kentucky. This was done without notice or warning. I woke up to go to work and my Auto was missing. This auto was a XXXX. Also I had traded in my XXXX XXXX which had been wrecked with had insurance on it. So not only did they get my Insurance but they were still charging me for the XXXX. I, had already notified the Bank that i was in the process of looking to buy a house or home for me and my XXXX daughters. I won this in Circuit Court but the Bank has not settled for putting this on my credit report as non-payment, which is not the truth. The precedent on this case was because a financial institution claimed the person was behind or did not pay ... so you see the motion was sustained for me. see attached information. The minimum amount is {$500000.00} in Kentucky according to their statues, but the Precedent is substantially more. I am asking them to send me information on the homes/houses they have available plus the {$500000.00}.
Product: Student loan

My student loan is being serviced by FedLoan Servicing. I have timely ensured that all deferment requests were submitted on time, however FedLoan servicing has indicated that I have XXXX accounts late by more than 180 days. I have taken out only XXXX student loans Subsidized and Un-Subsidized, they have taken the account and assigned XXXX account number but listing them on my credit report as XXXX separate accounts as if I have had separate loans. This is not accurate and is impacting my consumer credit report negatively. I have made several attempts in having them correct the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act Credit Inquiries : IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions