23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX which falls under trafficking according to request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hi, I wanted to transfer money to XXXX to help my sister who's business is severely impacted by COVID shutdown. I used XXXX ( Continental Exchange Solutions , Inc. dba Xe USA ) to initiate the transfer. They asked me to wire the funds to them on XX/XX/XXXX of {$27000.00} with promise to transfer in 2 days to recipient. I have receipt confirming the details of this transaction ( attached XXXX ). I promptly wired on XXXX. I have proof from my bank that money was transferred ( attached XXXX  ). XXXX  acknowledged that they received as well ( over phone on XXXX ). on XXXX when I called to confirm they said transfer is not possible for account types I have chosen and money will be refunded in 2 days. They created another receipt showing the same ( attached XXXX ). Since then I call every day and have a long email threads ( attached, it even says they saying sent back on XXXX, but nothing has come to my account ) with them for over 15 days now and they are not refunding my money. Every day they say it will happen in a day or two but nothing comes through. On email they are saying that their back office is investigating but no information, No confirmation of transferring back, no receipt ids or anything that my bank can use to look up for incoming wires/transfers. 

Company details : ======================================== Continental Exchange Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX Fax : XXXX XXXX XXXX XXXX I am at loss of XXXX  and paying interest in my margin account on this : ( , If they can't transfer why hold my money : (. Please help. Attached statement from my bank showing transfer, attached receipts from XXXX showing my wire and their receipt to transfer money back to me ( which never happened ), Also attached email thread. Please help.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Creditor Address : XXXX XXXX XXXX, XXXX XXXX MN XXXX Dear XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details ofthe account are as follows : Account Number : XXXX Date of Charge-Off : XXXX Amount Charged Off : {$1800.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Mortgage

I AM SO ANGRY ABOUT THE TRICKERY OF MY VA LOAN BEING CHANGED TO A CONVENTIONAL AND THE 3-YEAR PAY-DOWN STATUS STRIPED AWAY. I WAS PAID DOWN TO 27 YEARS FROM XXXX TO XXXX. YOU SEE THE VA XXXX IS A LOAN WITHIN ITSELF JUST FOR VETERANS SAYING THAT IT`S A VA TO VA. NOT A VA TO CONVENTIONAL. I HAD ABOUT {$54000.00} OF P & I INVESTED IN THE LOAN UNDER THIS LOAN NUMBER IN THIS PHOTO ( 1. ) XXXX. AND I CAN NOT BELIEVE HOW MANY TIMES I HAVE HAD LOAN # FLIPPED AND STILL FLIPPING. FIRST IT WAS XXXX NOW XXXX. THEN I HAVE FUNDS STOLEN FROM MY EQUITY AND ADDED BACK INTO THE LOAN. IF I DID MISS ANY PAYMENTS INSTEAD OF YOU ADDING MONTHS TO THE LOAN YOU ADDED YEARS THEN ADD INTEREST TO THE PAYMENTS MAKING THE PAYMENTS LARGER OVER TIME BY PUTTING THEM IN YEARS. PHOTO ( 2. ) XXXX. CONVENTIONAL LOANS ARE NOT INSURED BY THE GOVERNMENT. ( 3. ) XXXX. I HAVE HAD NO AMORTIZATION SCHEDULE SINCE XXXX, I HAD A FIXED RATE APR TO THE MORTGAGE. AND MY WIFE NAME CAN NEVER GO ON THE LOAN CAUSE I AM USING MY INTITILMENTS. SHE CAN ONLY BE ON THE TITLE AS THE OWNER THE LOAN IS IN MY NAME. I AM NO MORE CLOSE TO BEING A OWNER OF MY HOME THAN I WAS IN XXXX. I MAKE PAYMENTS AND YOU FIND WAYS TO PUT THEM BACK IN TO THE PRINCIPAL.THIS LOAN IS IN A RESTOR STATUS MEANING THE LOSS OF MY INTITILMENTS AND XXXX XXXX XXXX DID A TRUST NOW MY HOME BELONGS TO HIM. IF I DEFAULT I HAVE TO ANSWER TO HIM NOT TO THE BANK? OR SHOULD I SAY TO HIM AND THE BANK. CAUSE YOU DID A CONVENTIONAL AND HE PAID {$30000.00} THAT`S AFTER TAXES.YOU SWAPPED OUT MY XXXX LOAN JUST LIKE I WAS A FIRST TIME BUYER, AND MADE {$54000.00} DOING IT. MY ATTORNEY AND I ARE DOCUMENTING ALL OF THIS. AND THOSE SIGNED DOCUMENTS YOU SENT ME I DON`T NEED NO FORENSIC TO KNOW THEY ARE PHOTO COPY FORGERY. THAT`S WHAT COMPANIES WITH MILLIONS CAN DO.
Product: Credit card or prepaid card

HI! 

LAST YEAR BETWEEN XXXX, AND XX/XX/XXXX. SOMEONE CHARGED MY BANK OF AMERICA MASTER CARD FOR {$2000.00}. FROM XXXX, XXXX XXXX? XXXX XXXX, WHAT I WAS TOLD COULD BE A FACTORY OUTSIDE OF XXXX, TX. WAS NOT PAID BACK TO MY CREDIT CARD, AND THE PAPER TRIAL WAS COVERED BY PERPS ON 3 AREAS! MY PERSONAL AFFECTS IS ONE, POST OFFICE? ONE OF THEIR EMPLOYEES, AND CROOKS HERE IN THE AREA THAT THEY SAID WAS A HOT THEFT AREA. DUE TO DEVILS, AND FALSE PROPHETS! MY BALANCE WAS AROUND {$7200.00}. THEN. 


ALSO, I WAS REFUSED CREDIT IN A STORE, XXXX. THEN WHEN I MADE A PAYMENT, IT WAS SENT THROUGH! XXXX MADE NATIONAL NEWS LAST YEAR!
Product: Checking or savings account

On XXXX XX/XX/2019, I transferred via ACH {$3000.00} from my Capital One Checking account to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Account. I mistakenly sent it to a XXXX   account that was closed, so I called XXXX. They indicated it was not a problem as they would reject the transfer and the money would be transferred back to my Capital One Account. The {$3000.00} was never returned to my Capital One Checking account, and XXXX did not receive the {$3000.00}. From XX/XX/XXXX to present, I filed multiple claims with Capital One which were rejected since this was deemed a valid transaction. Ive called Capital One and no one on their help desk is equipped to determine where the ACH transfer ended up and there is nothing more I can do by calling their help desk. Capital One provided trace ID numbers for the transfer but can not verify the money was transferred to XXXX. Capital One claims the money was transferred, and XXXX claims the money would have been automatically rejected and since they dont have the money, there is nothing more they can do. On XXXX XX/XX/XXXX, XXXX provided me a letter stating the money was returned to Capital One, see attachment. On XXXX XX/XX/XXXX, Capital One provided me a letter confirming the money was not returned to Capital One, see attached. Both have indicated there is nothing for them to do here. There is nothing more I can do but file a complaint so the money can be located. I am still out {$3000.00}.
Product: Vehicle loan or lease

15 USC 1605 DETERMINATION OF FINANCE CHARGE. Comparable cash transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Product: Mortgage

On XXXX/XXXX/2015, I closed a house through a short sale transaction. The mortgage company United Wholesale Mortgage accepted {$340000.00} as the net proceeds. They reported on my credit report that the account is closed and less was accepted towards payoff. However, when I look at my account online or when I called to discuss the XXXX that I received, my account still shows open after 5 months.
Product: Credit card

I have been paying down my Bank of America credit card for over one year and have not used it. The interest charge amount keeps going up instead of down even though my balance total amount goes down.The interest rate has been 19.99 % for quite a long time and has not changed. I am trying to pay it off and it seems that there is an error in their calculations. I have spoken with numerous representatives and they keep giving me the run around. 
Please help me resolve this matter, as it seems impossible to deal with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. Neither bureau is showing a closed date. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit card or prepaid card

hello, I am asking for help with Citi. I have closed my account and paid more than the amount that was owed by more than 30 % as a sign of good faith. They continue to insist that I owe more late fees, that they are charging for late fees in previous statements. Here is a breakdown of the events. 

I paid off my card and cut it up at the end of XX/XX/XXXX. Unfortunately, I had entered the card information for XXXX and forgot about it, so when it came time to add money to the XXXX account on XX/XX/XXXX, they automatically charged {$25.00} to my Citi card. I didn't even realize there had been a charge to this card, and XXXX charge an additional account refill on XX/XX/XXXX, resulting in a total of {$50.00} total charges on this card I thought had been destroyed. Additionally, Citi charged me a {$25.00} late fee on the {$25.00} charge, because I didn't pay that charge ( not knowing there had even been a charge to the account ). 

I then got a call from Citi on XX/XX/XXXX, and was informed by them that my account was overdue. Surprised, I nevertheless paid the {$25.00} charge, and {$25.00} late fee. It was not made clear to me at the time that the balance was {$50.00} + {$25.00} late fee -- I thought the {$50.00} paid the account. I then called and closed the account using the automated service. 

You can imagine my surprise when I again got a call from Citi on XX/XX/XXXX, saying that the account was overdue, and I owed {$81.00} now! I was made aware that there had been 2 charges to XXXX at this time, not 1, and so made another payment of {$25.00} in order to attempt to resolve this dispute. 

At this time, they continue sending me bills for an account that I closed on XX/XX/XXXX, and paid in full the amount I thought was due at the time. They continue charging me late fees on a closed account. I don't want this situation to affect my credit rating, but I feel it is unfair and unreasonable to ask me to pay late fees on top of late fees on top of late fees for a mistake that was primarily theirs.
Product: Consumer Loan

I told my niece I would co-sign a loan with her. She quit making payments. I got on computer and look at prosper. XXXX XXXX put a {$7000.00} loan in my name and electronically sign it. This is computer fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as the documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to XXXX XXXX and send me a copy of my updated credit report.
Product: Mortgage

I had a 2nd mortgage, interest only loan, for 10 years with SLS, paid on time every payment. They recently instructed me that the terms of my loan are that I now start paying it off. I applied for modification but was denied. All the while making the payments payments on time with the statements received. Never a late payment. They sent me a new monthly statement for XXXX with the new monthly payment which I paid on time ( well documented bank transfer and even on their web site under my account info shows paid on time. But the XXXX statement shows a late fee being charged. When called they stated they could not change anything although the representative stated she saw that the payment was made. I have never received my new loan documents or a payment schedule from them and really do not know the terms of my continuing loan now.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit card

I am starting to be harassed by phone for XXXX for my American Express credit card. I want this to terminate from happening. Thanks for looking in to this matter. I am sick and tired of this Bank harassing me for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage credit history was 100 % and always current. We refinanced and the history of 20+ years of perfect payments dropped and tanked my score due to length of credit history which should be 30 years. This is unfair! Now it says 4 year history.
Product: Mortgage

Since XXXX we have been dealing with the financial corporation regarding the Tax Exemption of XXXX XXXX   XXXX Veteran, and within our escrow account they were to remove county taxes, we have been doing this since XXXX. Today I went online to see if the correction has been made on the account and they did put us as exempt BUT, our payment amount is still the same and has not changed they have done this to several people VETERANS and Ive been trying to fix this and have made so many phone calls and still nothing our payment remains the same when it should be almost 300.00 dollars less and its so frustrating at this point in time. Can someone help with this or get these people to there dang job right. They can not be collecting taxes from someone who is tax exempt.
Product: Mortgage

XXXX XXXX XXXX is my mortgage servicer, they approached me in early XXXX about a refinance option. 

I refinanced with them to help my family save money. 

In XXXX of XXXX, we put our house on the market. At this time, i am unable to sell my home becuase. 

1. They failed to record the mortgage closing in the correct jurisdiction and I am unable to close on my property as this is a requirement of selling the home. 

At the time of this message, I am in jeopardy of losing the sale of my home due to their inaccuracies and mistakes in the refinancing process.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX   XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : account number ending in : XXXX NOTICE TO CEASE AND DESIST Pursuant to 15 USC 1692c ( c ) ATTN : To whom it may concern, I, Executor of XXXX XXXX , have become aware of multiple violations of Consumer Credit Protections Laws by ALCO Capital Group LLC

in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, and harassment in connection with the collection of the alleged debt. Pursuant to 15 USC 1692c and 15 USC 1692g ( b ), I disputed the alleged debt, and I am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. Send an audit trail pursuant to 5 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of agreement, ledger of the account, The XXXX of my profile with the creditor and anything else relating to the consumer for review and validation : XXXX out the balance and delete all accounts held by debt collector from all consumer reporting agencies.

Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertains to the validation of the alleged debt or remedy for violations that occurred. Any further communication with the consumer MUST be in writing, delivered via mail to the mailing address above.

Again, this a notice pursuant to the Fair Debt Collection Practices Ace ( FDCPA ),, failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) Be taken as tacit agreement to the claims set forth, b ) Grant the consumer all demanded remedies, and c ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) assignees who are debt collectors are responsible for the actions of those collecting on their behalf. Citing Pollice, 225 F.3d at 404-05. ) Respectfully, XXXX XXXX Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

As I viewed my credit report and noticed an account that i have never applied for nor had communication with.
Product: Credit reporting or other personal consumer reports

I requested Equifax to remove the XXXX entry from my credit report for Fraud. It was proven that XXXX added another {$19000.00} in additional debt to the entry fraudulently. After notifying Equifax of the Fraud, Equifax responded that " The entry has been updated and current. ". It still shows the extra {$19000.00} on the Credit Entry which is Fraud. I am attaching the forms and contracts showing I NEVER OWED {$32000.00} Charge off + {$19000.00} Balance which is a total of {$51000.00}. I never owed that much money! Not even close!!! 

I did find out that XXXX and XXXX XXXX are 2 of Equifax 's biggest customers and have learned through similar law suits that Equifax " Favors '' it's largest, highest paying clients in dispute matters. Equifax has allowed this Fraud to continue for over 6 months now. CFPB, you will see that this is a Fraudulent act, committed by Equifax to make sure it keeps it's highest paying customers happy. After Equifax allows criminals to steal my information, and now continues to allow Fraudulent Entries on my Credit Report, I am asking the CFPB get involved for a broader investigation into why Equifax continues to allow criminal acts of Fraud after we have provided AMPLE amounts of proof to Equifax. The next question I have will show the Fraud by Equifax and what I would like the CFPB and Equifax to address... 

*****If my Sales Contract shows I made a purchase in XX/XX/XXXX for {$37000.00} ( Attached ), and my XX/XX/XXXX Payment Log from XXXX shows I only owed {$32000.00} ( Attached ), *****Why is XXXX  collecting {$51000.00}??? ********* They have a Chargeoff of {$32000.00} and a balance of {$19000.00}. THIS IS FRAUD! 

CFPB needs to get involved and penalize Equifax for allowing false entries for it's favorite customers. This is my 7th dispute!!!! I have a right under the law to have anything reported on my Credit Report to be reported 100 % Correctly. After 7 months of Fraud I still do not have resolution. Therefore under the LAW, this entry must be legally removed from my Equifax Account, or face prosecution for damages to my credit history. XXXX has already removed from my report and reported the fraud. Equifax is committing fraud to please its paying customers REMOVE THIS ACCOUNT AS IT IS FRAUDULENT! WHAT DO YOU NOT UNDERSTAND BY MY ATTACHED RECORDS? EQUIFAX- OBEY THE LAW! 

REMOVE IT, NOW!