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

The company Certegy is restricting XXXX from cashing my check, and they will not change their decision or explain in detail why. 

On XX/XX/XXXX, I tried to cash a check that was a little under {$200.00} at XXXX. The cashier told me that it was declined, and that I needed to contact Certegy. That same day I contacted Certegy and I spoke to a representative named XXXX and then to her supervisor named XXXX. They both told me that my check was declined for a combination of three reasons : amount ; check series numbers ; and/or check history. The amount was under {$200.00} dollars, so that can't be it. The check series numbers are just numbers for routing and account numbers from a very reputable company, so that can't be it. Lastly, I have cashed my payroll check from the company I work for at other check cashing places many times within the last 4 years, so that can't be it either. Both of the representatives at Certegy also mentioned that they would not be changing the decision, and that the decision was final. 

Below is additional information : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XX/XX/XXXX XXXX XXXX : XXXX, Check XXXX, Bank # XXXX XXXX, Account # : XXXX, Check Date : XX/XX/XXXX, Check # : XXXX, Reference # : XXXX XXXX Representative : XXXX, XXXX Supervisor XXXX XXXX It should be quite obvious at this point looking at the history of complaints for Certegy and the FTC successfully suing Certegy for {$3.00} XXXX dollars in XXXX that this company is corrupt from the top down, and that they do not plan on changing. They clearly do not have good intentions, and most importantly, they are picking on the poor. It is very simple ; revoke their financial license permanently and get rid of them permanently. They are not a national bank, so you do not have to keep them around or allow them to continue to operate. GET RID OF THEM!!!
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. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXEPT OF ED Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Its disheartening and frustrating to discover unexplained inquiries on my credit report this morning. Despite my efforts to refresh and check for errors, the issue persists. I sincerely ask that my submitted documents be carefully reviewed to ensure this problem is resolved permanently.
Product: Checking or savings account

On XX/XX/2022, i deposited a check in my captial one savings account, for the amount of {$3900.00}, the funds cleared on the XX/XX/2022. I checked my account on XX/XX/XXXX and noticed that i was not able to do anything with my funds, Captial One is holding my funds until they verify the check with the company, they have tried to get a hold of the company several times. it has been XXXX days since i deposited the check. If anything was wrong with the check it would've came back as such by now. The company that wrote the check does not have direct calling to verify checks they have issued. It has nothing to do with me. The check has cleared.
Product: Mortgage

My house was damaged XXXX years ago today by XXXX XXXX. I had to sue my insurance company XXXX whom eventually declared bankruptcy. State of XXXX  stepped in and paid for part of my claim. Half of the amount was sent to me by Freedom but most of that went to attorney fees. I have tried contacting the Loss Draft Dept. at Freedom multiple times about the other half of the money to get my house fixed with these results : 1. Long wait times when calling - usually 45 minutes to an hour to answer 2. left call back number with no call back 3. Sent emails with no reply back 4. When I do get someone, they say they are going to escalate the issue and priority but nothing ever happens 5. Signed a third party authorization form but they will not answer calls or emails from my contractor
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Santander Consumer USA Inc on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Santander Consumer USA Inc violated federal law. see 15 USC 1681b A2. I did not give Santander Consumer USA Inc Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Checking or savings account

On XX/XX/21, there was an unauthorized charge on my checking account from XXXX XXXX XXXX. I do not have that cellular service, therefore I called my bank and they reversed the charge and said they would investigate the matter. I haven't heard from them in writing as they promised. A few days later I received a letter from XXXX thanking me for choosing TeleCheck XXXX by Phone to by the service fee/deductible for a recent Protection XXXX Claim Number XXXX, mobile XXXX, lost device, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX This is clearly not me, I do not have that mobile number, my cellular service provider is XXXX.The payment details on the letter are disturbing, because they show my name and address. The authorization date is XX/XX/21, date of draft is XX/XX/21. I tried to call XXXX but they wanted my SSN and other PII that I was not willing to provide. 
Today I received a letter from TRSRecovery services, notice of unpaid electronic transfer. I called the number provided and the person online also wanted information I wasn't willing to provide. He recommended that I complete a fraud report on their website. I went to their website and again, they are asking for my SSN, etc. I do not feel comfortable doing so. I received the runaround trying to call XXXX XXXX, and tele check. 

Please help me resolve this matter Thank you
Product: Mortgage

this is XX/XX/2020. It has been for sale since XX/XX/2020. Our house is on the Market for a short sale. It's listed at XXXX only with an equity loan. I have an agent and the lawyer involved in a short sale. 
They are great. They found a buyer that will pay XXXX plus XXXX for costs. 
This is the only buyer that we've had and they are very patient. They want the house. We have no one living there. We lost our tenanst and we don't have the money to fix it up to rent out again. We thought we were doing the right thing by going with a short sale but now we are behind XXXX in payments and it's making me worried. 

The bank denied the amount they want to give. We offered to help. They do not want it. 

It looks like a possible foreclosure. We didn't want to go that route. 

Any help will be appreciated.
Product: Mortgage

XXXX ( XXXXXXXX XXXX XXXX XXXX ) contacted me telling me they could help me with mortgage payments with XXXXarrington Mortgage Services ( CMS ), CMS IS NOT COOPERATING with XXXX, I've tried talking to CMS and they use predator lending tactics to keep you on hold as long as possible only to accomplish nothing, it's a nightmare trying to communicate with CMS. CMS called me yesterday ( XX/XX/XXXX ) acknowledging they received the request from XXXX and proceeded to threaten me with foreclosure instead of cooperation with NHAF. In XXXX CMS did the same exact thing so CMS has a pattern of predatory lending tactics, see my complaints filed in XXXX.
Product: Debt collection

Constant phone calls from XXXX XXXX XXXX to collect a credit card debt claimed I owed fromXX/XX/XXXX. The company calls my phone constantly with different phone numbers, has also called wifes phone, XXXX brothers, parents, sister in laws phone, and workplace I left in XX/XX/XXXX. This company claims to be collecting for different accounts, a computer called HSBC and another called partner weekly. I have answered and asked this company to remove my number and name and do not call me or family members. They continue to call and aggressively tell me if I do not pay over {$3000.00} a civil suite has been filed and they will take me to court. I have reported this company multiple times and they continue to call. The company tells me they are located in my home town, but there is no record of this company near me. They also call from cities that are near to me using fake numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 60 inquiries on my credit report. The only one that is valid is XXXX XXXX. 
The other ones are fraud. I have an fraud alert on my file as well. 
I have contacted the equifax over the phone and in writing. 
They refuse to cooperate with me telling me although they are fraud inquiries they ca n't delete them and, I know this to be false. 
The inquiries are affecting me tremendously.
Product: Credit card or prepaid card

On XX/XX/XXXX a bad actor posing as me went into two different Best Buy locations in XXXX, XXXX. I was at a concert with my wife in the town that I live -- XXXXXXXX XXXX. I got an email on my phone thanking me for my purchase with a receipt attached. Receipt was from XXXX XXXX  on XX/XX/XXXX from Best Buy # XXXX in XXXX. The charge was for and XXXX XXXX for {$1500.00}. I called the Best Buy XXXX number to report this as fraudulent. I assumed that would be the end of this. 

An hour later I got a similar email from Best Buy # XXXX in XXXX, XXXX. It was time stamped XXXX XXXX  on XX/XX/XXXX. THis was for several XXXX  and a XXXX XXXX XXXX XXXX totalling {$2900.00}. 

I called again the next day to report these again. Nothing happened. I called back after a few weeks and was told that my claim was denied and that I had authorized these purchases. I DID NOT! I resubmitted a claim and was denied again. 

I have had to freeze my account not only with Best Buy, but also with the big three credit bureaus. 

Last week we took a family vacation to XXXX XXXX XXXX. Cell service is spotty at best there. When I got back to civilization, I had multiple emails, voicemails, and missed calls from Best Buy/Citibank . They have continued to call but I haven't spoken to them. 

I filed a police report in XXXX XXXX I filled out a complaint on the FTC website and now on the CFPB site. Please advise. I'm attaching the receipts in question and a picture of us at the concert on XX/XX/XXXX in XXXX. XXXX XXXX was made the following morning, but the show was the night of XX/XX/XXXX. A quick search of XXXX XXXX XXXX XXXX dates should confirm this. 

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

It is fraudulent items and addresses also items that are reported inaccuratly on my credit report. I have tried to rectify this with the credit bureaus to no avail. it is addresses that has not been removed and inaccurate. and accounts and they are as follows. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fraudulent charges made on this account already reported to the credit grantor. some one else used this card without my knowledge.
Product: Debt collection

I had a security freeze on my credit reports on XX/XX/XXXX I unlocked it to get credit from a company called XXXX  when I opened my XXXX  account I noticed a collection from a company called Consumer Adjustment states they are the original creditor that it was opened XX/XX/year> for XXXX a collection last reported XX/XX/year> I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Mortgage

I refinanced my loan with SPS Service, Select Portfolio Servicing , Inc. thru another Company as their rate is really high. We closed our Escrow back in XX/XX/XXXX. 
I called the Customer Service, back in XX/XX/XXXX, prior to Escrow closing, I told them there was an overpayment on the account. They told me that, my account will be send to their audit department. The statement balance as of, XX/XX/XXXX, was {$240000.00}. My checking account was debited XXXX times for the total amount of {$6300.00} ( please see attached copy of my bank statements ) after XX/XX/XXXX. When we closed the escrow in XX/XX/XXXX, the Escrow sent SPS Servicing , Inc, {$240000.00}. 

On XX/XX/XXXX, I received a check in the sum of {$1100.00}. I was really upset as every time I called their office, I can not talk to any supervisors. I sent my first letter on XX/XX/XXXX thru Fax and email. There was no response. I sent another letter on XX/XX/XXXX, requesting a detailed summary of my account and I requested them to return the overpayment on my account but to no avail. At this point, I am really disappointed, I do not have a job and trying to collect unemployment. 

Please help! They are making my life miserable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Georgia Student Finance Commission STILL has an account furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple ftc reports to Equifax and they refuse to act.. Please see attached information The credit reporting agencies policy doesn't supersede federal law. 
The law says, in case of identity theft a consumer must provide a : I. FTC Identity Theft Report 2. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility.

15 USC 1681C-2 ( A )
Product: Checking or savings account

I have a checking acct with Navy Federal Credi Union, as i was checking my account balance today i noticed my account was overdrawn by {$39.00}. 
i called and spoke with a members service rep. she advised me that it was due to a merchant not taking funds at the time of purchase. i advised the representative that my balance showed the funds had been taken out, the day the purchase was made which was on XX/XX/year>. The representative then proceeds to tell me that sometimes merchants can take up to 72hrs to pull the funds and that i should keep a paper log for my spending so that i can keep up with what should and what shouldn't be taken out of my account. My biggest complaint here if i need to keep a separate log of my own transactions how am i sure that what has actually been spent in my account that I'm actually the persons that made or actually took my money out of this account. I believe this bank is committing fraud at a very large scale. My account is set for low balance alerts and transaction text messages. For some reason i have received the messages letting me know of what i purchased but i never ever received message regarding my low balance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/22
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDXXXX XXXX XXXX : {$1300.00} ; DEPT OF EDXXXX XXXX XXXX : {$1700.00} ; DEPT OF EDXXXX XXXX XXXX : {$520.00} ; DEPT OF EDXXXX XXXX XXXX : {$3900.00} ; DEPT OF EDXXXX XXXX XXXX : {$2900.00} XXXX DEPT OF EDXXXX XXXX XXXX : {$2100.00} ; DEPT OF EDXXXX XXXX XXXX : {$93000.00}.
Product: Credit card

After making a payment for the exact amount owed on a credit card, and within XXXX days of the billing cycle, Bank of America added a {$1.00} charge labeled as both " interest '' and a " fee. '' This is misleading since this is a fee-free account.
Product: Debt collection

This company texted me impersonating a government agency stating I am being investigated for fraud and provided a " case number ''. They then texted my ex husband who I did not provide contact information for as he is in no way involved in my finances. I then called the number provided to point out the abuse and the representative became irrate and began cursing at me so I ended the call she continued to text and call me leaving harrassing voicemails and texts.
Product: Debt collection

I received correspondence from XXXX XXXX XXXX only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a XXXX  XXXX XXXX Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection
Product: Credit reporting or other personal consumer reports

The credit bureaus have not reached a proper resolution in reinvestigating the negative items I have repeatedly addressed in my letters. Surprisingly, one credit bureau has deleted some derogatory entries from my files, but the other credit bureaus maintain their stance despite evidence that these accounts have already been verified as inaccurate and invalid by the creditor. I feel frustrated and concerned about these ongoing practices. I urgently request the removal of these invalid accounts once and for all.
Product: Credit reporting or other personal consumer reports

This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX and Equifax failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit act XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX 15 u s c 1681 section 602 a states I have the rights 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 instruction Account XXXX Also XXXX Ac=account number Sc=sort code
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX Balance : {$640.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

My credit score is being lowered by having multiple variations of my name appearing on my credit report by all XXXX major credit bureaus. In addition, there are names appearing on my reports that are n't even mine. For consistency I want My full first name and last name. That is all I want. After disputing this issue they still have n't made the changes.
Product: Payday loan, title loan, or personal loan

Within the past 6 months I submitted an online application to Citibank for a personal loan in the amount of {$30000.00}. I received a letter from Citibank denying the consumer transaction. This letter was a false and misleading denial of my credit. At this time I am requesting a listing of all the factors that were involved in this consumer transaction. Under 15 USC 1611 this was a criminal liability for a willful and knowing violation of my consumer transaction rights.

I would like the underwriter to address this matter in an expedient manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to COLLECTION BUREAU OF AMERICA LTD.Thanks!