23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted in XX/XX/XXXX from XXXX XX/XX/XXXXabout a {$150.00} medical Bill. Spoke with XXXX I agreed to have this deducted from my checking on XX/XX/XXXX. It was deducted on XX/XX/XXXX I called them on XX/XX/XXXX only to be told the manager would listen to the phone call. Called on Friday was told the manager hasn't reviewed the phone call I pleaded with them to put back into my account. Spoke with XXXX  on the following Monday to tell me I was right and they would put the money in my account. They call my phone every morning when I answer they hang up. I finally was able to talk to XXXX today who said I would get my money back on XX/XX/XXXX. I told her this is my money you took it out of my account in which I didn't authorize she told me they don't put it back in my account for 3 weeks to make sure this isn't a NSF. I explained to her my bank wouldn't have given you the money unless it was there. They are giving me the run around all I want is my money. Please help me
Product: Money transfer, virtual currency, or money service

I sent {$590.00} via MoneyGram to my wife and wife 's bank account in XXXX. Ref # XXXX  last name XXXX. I was told it would be delivered by XX/XX/XXXX. It has not arrived yet. I called customer service because my online account was closed and money gram rep said they could not disclose why. So now I have to drive back to another MoneyGram place to try to send money to my wifes account again. My debit card only allows {$600.00} withdrawals a day. So I have to make 2 trips on separate days to make the MoneyGram transaction. If I could do this online it would safe me alot of trouble as I could send full amount Now I don't even know if the original {$590.00} will make it to my wife 's account. MoneyGram customer service is extremely rude. They will not let me talk to a supervisor. I am so frustrated right now!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX XXXX Managment Account # XXXX, XXXX XXXX XXXX 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 : it Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian and a dispute with XXXX XXXX XXXXXXXX XXXX  furnished my credit report with a line of credit that belonged to someone elseXXXX XXXX XXXX knew that the social security number was totally different from the social security number that belongs to my credit report. XXXX XXXX denied the removal of the account for more than a year, I was accused of being the person who opened this XXXX XXXX account, I sent XXXX XXXX a copy of my social security card through the cfpb showing that the social was different, I was denied credit within the time of the XXXX XXXX account that was being reported, I'm putting XXXX XXXX on notice that I will be filing suit, for violating the fcra and furnishing my account with fraudulent information willfully, even after I disputed the information as being incorrect. I uploaded the documents from XXXX XXXX accusing me of owing this debt,
Product: Mortgage

We updated our hazard insurance policy and notified our mortgage company before payment was scheduled to be sent. After we notified them of the new insurer, they sent the old premium payment of {$1300.00} to the old insurer. We noticed their error and had them send the payment to the new insurer, and it was received. However, we have contacted them multiple times since they sent the payment in error and have been told that the check has been stopped and that the {$1300.00} would refund to our escrow account. Today we learned that the information provided on multiple occasions was never true, and the old insurer had presented to check for payment and to seek a refund from them.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the error and mistake that I have found on my credit report. This mistake that you are reporting is affecting my character and reputation as a consumer. Below is account that I am referring to : XXXX XXXX  XXXX XXXX
Product: Debt collection

This is the second time I am filing a complaint. It hurts me that nothing is being done about this debt collection account. Equifax has been notified several times about this debt and they still report it. XXXX XXXX  XXXX Collections is not interested in helping me. They want me to pay a debt that I do not owe! Its is frustrating to me. At this point I am wondering if I were a non XXXX person would this be as hard. Yes I would like an answer explaining the reasons for this not being resolved in a timely manner.
Product: Vehicle loan or lease

At some point between the year XXXX and XXXX a Capital one credit card was taking out in my name than not too long after an auto loan with Capital one. At the time of the credit card and auto loan Purchase I was dealing with XXXX the XXXX  of a love one all of this while XXXX  I came a few months ago to a shot credit score and have been very upset since l 've contacted everyone from I could from all 3 credit bureaus to Debt collector asking them to remove the Negative items on my credit report that I had no knowledge of unfortunately nothing has been been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to actually investigate an erroneous item on my credit report. The other 2 agencies did, and it was removed. Only Experian refuses. They send me a form letter that 'it has been verified. ' It CAN NOT Have been verified, as it is not accurate! Account is XXXX XXXX XXXX. XX/XX/12. Pd/closed ; {$800.00} written off. I have sent MULTIPLE certified letters, have called, they have stopped ALL fax communications ; I have asked for the proof they say they have, they furnish NOTHING. At this point, this is XXXX AND FRAUDULENT. I request they be FINED XXXX per FCRA regulations. Enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection from XXXX XXXX XXXX XXXX in my Transunion credit report because the delinquent XXXX  XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. My credit score is lowered at no fault of my own. The dispute result states that the collection is " accurate and updated '' as of XX/XX/2023. How did Transunion verify the collection without requesting for the signed contract? What law states that the landlord is responsible for the actions of the tenant? Transunion is blindingly taking XXXX word without requesting for hard evidence. Transunion is complicit in this fraud allowing XXXX to use my credit score as a harassment tool to cause undue stress. Furthermore, my tenant has paid off the balance. The attached shows XXXX has cashed her check on XX/XX/2023. I want to upload this new evidence in Transunion 's website, but it looks like that upload option no longer appears on the dispute web page. So after one dispute submission, Transunion has blocked me from submitting a new dispute or follow up on an existing dispute again. FYI, XXXX does allow you to follow up or submit a new dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), Has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I was initially contacted, rather served with a notice to appear for pretrial conference on XX/XX/2021, served on date of XX/XX/2021, where I was living at the time. I immediately call the company to seek further information and sort this out as this is a surprise to me and originally what appears to be a billing error by card issuer and I was not aware who this company ( Midland Credit Management ) is or was at the time as I never contracted with them, ever. I mailed out a offer to perform upon on the validation of the alleged debt. Sent via certified USPS on XX/XX/2021 in which they received on XXXX XXXX, in which I have yet to receive a response to this date as I am writing this complaint. Fast forward to the pretrial date of XXXX XXXX, I arrived 15-10 minutes earlier, at the time for the pre-trial conference, I enter the court to what was an empty court room, for the bailiff to come out and say that the Judge said that there would be no pre-trial today and I can go home ( needless to say an entire work day wasted ), to wait that I would receive correspondence to appear for trial. a week later, I received a notice to appear on a XXXX meeting for mediation dated for XX/XX/2021. No additional information provided. Fast forward to XX/XX/2021 approximately at XXXXXXXX XXXX I log in to my XXXX app and enter the meeting details and another persons information pops up, I was not allowed into the meeting by XXXX XXXX, and I found it awkward that someone else 's information was on there. I exit out, called the number on the notice and no answer. I left a voicemail but never received a call back. Today, I log into the county records page and see that a mediation report was submitted and states that I was not present for pretrial. I have mailed and requested a full and thorough validation of the alleged debt and Midland Credit Management has not responded to any requests. This is abuse and needles to say these tactics are unconstitutional and seems like the law is on their side and for their favor when the law is to protect us, we, the people. This type of mental manipulation is a violation of my rights and this company needs to respond for their damages they have caused and reprimanded for their unfair practices. I have sent 3 requests to Midland Credit Management and to their collections LAW FIRM XXXX, XXXX, XXXX, XXXX and they have yet to produce any instruments validating the alleged debt, balance, and consumer information. I attached a notarized Affidavit of Truth with my statement and the request to produce mailed on XX/XX/2021 via certified USPS mail. Midland Credit Management and XXXX XXXX collections law firm are in violations of my rights and colorful laws, as well as manipulating the outcome of the situation in their favor.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair & request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These deptednelnet accounts are reporting with similar inaccuracies. The late 90 days remarks are coming right off a good payment.
Product: Credit card or prepaid card

I had a conversation with XXXX from Capital One on XX/XX/XXXX who began a fraud investigation, after I reported that two credit cards from Capital One were taken out in my name without my knowledge or consent, at my family 's address - from whom I am currently estranged and where I have not lived since XXXX. 

On XX/XX/XXXX, my mother was called who was informed, via voicemail, that the investigation was resolved. When I called them to check on this, a Capital One recovery department representative told me it was resolved, but it was " resolved '' as invalid fraud, meaning that they claim there is no fraud issue and that I took out the cards. This was predatory, in that if I hadn't called to check, I would have assumed the claim was " resolved '' in a positive manner, because the voicemail did not make clear there continued to be an alleged fraud issue. 

Further, when I asked them why my mother was called and why I was not -- even though they are claiming the cards were taken out by me -- they refused to answer or provide information from their investigation. This makes it seem to me that my mother is also on the card, or her information is, and I was placed there as an authorized user. The company would not give me information that they used in their investigation over the phone -- even though I verified my identity over the phone earlier in the conversation -- and are making me appeal the issue without an understanding as to the charges. This is predatory. 

I have the last four digits of the two credit cards from my credit report, but I do not have the full credit card information -- which they will not give -- as I did not take out the cards.
Product: Mortgage

My mortgage was in Forbearance due to Covid19 and lack of employment. I was ready to have my mortgage taken out of forbearance and requested such from the XXXX XXXX XXXX the current loan processor of my loan with PHH Mortgage Services. I filled out an application for the mortgage modification and was provided with a Promissory Note and Partial Claim Mortgage. I completed the documentation and returned it. Unfortunately the Notary filled out my name incorrectly and I had to re-submit the documents. During this time my mortgage service was transferred to a new mortgage servicing company and of course they don't have any of the information about my forbearance or mortgage modification taking place with the other loan servicing company. So now they are telling me that I will have to re-apply for a mortgage modification and that they will be reporting all missed or late payments to my credit bureau now that my loan is no longer in forbearance because I do not have a loan modification with them, yet the other mortgage company gave me until XX/XX/XXXX to completer their documentation, which has already been completed as stated above. If that happens it will ruin my credit and show that I have 9 months of late payments. This is and FHA mortgage and I really feel like Im getting treated badly because of this mortgage servicing transfer and nobody from the previous mortgage servicer and the new mortgage servicing company can communicate with each other. I really need help with this. I have done everything I was asked to do and now they are making it very difficult for me to get out of forbearance without ruining my credit because of their poor processing system. I can not make another phone call just to be told their is nothing they can do.
Product: Checking or savings account

XX/XX/XXXX eDeposit in Branch {$42000.00} XX/XX/XXXX transfer to new account # ending in XXXX {$40000.00} XX/XX/XXXX eDeposit in Branch XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$65000.00} XX/XX/XXXX ONLINE TRANSFER TO XXXX XXXX XXXX REF # XXXX ON XX/XX/XXXX {$11000.00} Complaint : eDeposit XX/XX/XXXX was not transfered to Time Account until XX/XX/XXXX. 

Complaint : I intended to open a XXXX  Time Account on XXXX. The manager talked me into a high-yield savings account instead. The bank employees were not sure when the account would begin paying high-yield interest of if it would back dated. The high yield account interest rate was published on the monitor behind the cashiers inside the bank. 

Complaint : My request that the funds deposited to the high-yield savings account be back dated to XXXX was denied. 

Complaint : The delay in transferring funds to my time account from XXXX to XXXX was excessive.
Product: Debt collection

This Company Collection Bureau of America states i owe the {$170.00} on XXXX I have no signed contract with this company and no knowledge of this company and they trying to collect a debt i did not sign a contract with this company
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.

1. XXXX XXXX - Account XXXX : XXXX, XXXX. XXXX XXXX - Account XXXX : XXXX, XXXX. XXXX XXXX Account XXXX : XXXX and XXXX. XXXX XXXX XXXX : xxxxxxxxx XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED, and US DEPT OF ED. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate custoer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specically, 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 these violations.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates that we eliminate any erroneous accounts from my credit report. Can you review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Debt collection

Originally I had a balance with XXXX the account was opened on XXXX of XXXX. By XXXX of XXXX the card was maxed out and I didn't pay on it. The balance was XXXX dollars that was unpaid. They made no attempts to contact me for years. Then all of a sudden this collection agency LVMVNFUNDG started sending me correspondence in XXXX of XXXX about this ancient balance. 

I told them it was out of date and disputed the balance with XXXX. XXXX denied my request for what reason I don't know. Eventually they sent it to a lawyer and I put it on a payment plan. I paid it off today. 

Now I can't get a lease because LVMVNFUNDG is showing that I missed payments on their 'account ' in XXXX and XXXX. The account wasn't even from XXXX. The account was delinquent in XXXX of XXXX. 

These late payments should not appear on my credit for XXXX and XXXX for an ancient debt. These collection agencies can just do whatever they want.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$670.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$4800.00} Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$22000.00} Account Name : XXXX XXXX # XXXX XXXX BALANCE {$1600.00} Account Name : Unknown # XXXX ( Original Creditor XXXX XXXX  ) - BALANCE {$430.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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