23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over a year, a company called Manhattan Beach Venture , LLC a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called XXXX XXXX XXXX ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XXXX of 2016. 
I was afraid that Manhattan Beach Venture , LLC might have sold my information to this company. I asked them to provide a phone number for Manhattan Beach Venture since I have had a hard time reaching them two days after speaking to them. The number XXXX XXXX offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from Manhattan Beach about my application. I told them that I spoke with Manhattan Beach and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since XXXX XXXX got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach Manhattan Beach Venture , LLC, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XXXX I got in contact with XXXX XXXX about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,
Product: Mortgage

This is to complain about Caliber Home Loan mortgage, I used to pay off one more payment in XXXX of the year ; they never adjusted my interests to be lower ; I beleive they over charged me intersts for the past years- I like to ask them to re-calculate my interests and refund me the differences. 
Recent issue : On XX/XX/22, I called Caliber Home Loans to request a payoff. 
XXXX told me verbally about a final payment amount ; I reqeusted a written letter ; 5 mintues later, I received a writter letter with {$980.00} more, immediately I called back spoke to XXXX ( XXXX ), she said she would request a phone review and called me back in 5 days ; today is day 6, no one called me. On XX/XX/22 I paid XXXX overight a check to payoff my loan per their request. Today XX/XX/22 XXXX  tracking already shown CALIBER HOME LOAN has received my check ; but when I called back spoke to XXXX, she said that their system shown nothing received on their end, they held my check and did nothing about it. XXXX also said she did not see any phone review request in their system, and she did not know how to help, I requested to talk to her manager, seh said there's no manger at CALIBER HOME LOAN MORTGAGE to talk with. This bank is very suspeious, they calculated wrong my loans and interests and held my check but kept on charging me interests. 
I like to reqeust for a refund me money of {$980.00} the differences between their verbal and written letter, also the years wrong calculations of my interest over charged. Also like to request comsumer agency to invetigate Caliber Home Loan Mortgage 's business and system, to enusre no other comsumer like me had this kind of wrong treatments/wrong charges.
Product: Checking or savings account

I deposited a money order from the XXXX post office  for {$11000.00} euros on XX/XX/2018. 
Citibank took to money order that is guaranteed like a US post office money order. They in turn lost the money order and sent me a copy advising they were unable to cash it stating : refer to maker This is totally ridiculous and no small amount. This is a guaranteed money order from the national post Office of XXXX. 
With Citibank losing the check, I have no recourse now when I go to XXXX. A copy will not be honored. 
By them messing the deposit up and not sending me back the original money order they have cost me {$11000.00} euros.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically related to its failure to correct inaccurate information on my credit report. 

Background : On XX/XX/year>, I discovered that XXXX was continuing to inaccurately report information to the credit bureaus. I promptly disputed the errors with XXXX, and after review, they acknowledged the mistake. XXXX assured me that the incorrect information would be removed and that they would cease reporting the erroneous details within 10 days of our communication. However, despite this assurance, the inaccurate information remains on my credit report to this day. 

I have filed multiple disputes with both XXXX and the credit bureaus, and each time, XXXX affirmed that there were errors in the information they were reporting. However, they have consistently failed to take the necessary corrective actions to remove the inaccurate information from my credit report. This failure to correct the erroneous information, despite multiple requests and their own acknowledgment of the error, constitutes a willful violation of the FCRA. 

Violation of FCRA : XXXX refusal to correct the acknowledged errors violates Section 623 of the FCRA, which requires furnishers of information to provide accurate and complete information to consumer reporting agencies. Additionally, their failure to resolve the issue after affirming the errors multiple times and promising to cease reporting the inaccurate information within the promised timeframe falls under Section 616 of the FCRA, which addresses civil liability for willful noncompliance. 

Due to XXXX willful noncompliance, I have suffered significant damage to my credit score, which has caused me personal and financial harm, including denial of credit and increased interest rates on financial products.
Product: Debt collection

The company continues to send " canned '' responses and ask for information that they have been provided with DOZENS of times and refuses to block items that are a CLEAR result of financial exploitation of a vulnerable and XXXX XXXX that was incapacitated at the time of the events. 
I received no monies or services from this fraud and had no way of being aware of it at the time of the fraud. 

The company has been provided all the demographic information and VERY DETAILED explanations of the events over a dozen times, and has been provided FTC reports, CFPB reports, and law enforcement reports but STILL FAIL AS LEGALLY OBLIGATED TO BLOCK THE ITEMS.
Product: Credit card or prepaid card

On XXXX I was double charged {$1000.00}. This was on chimes prepaid credit builder card. BC it was on the Credit Card, I asked to have the payment for the charge held during the investigation And The {$1000.00} put back in My account which they are refusing to do.
Product: Credit reporting or other personal consumer reports

There are ( XXXX ) inaccurate charge-offs reporting on my credit report from this which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a charge-off is, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this charge-off represents a cancellation of debt and not an outstanding obligation, it should not be classified as a charge-off. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/2022
Product: Mortgage

I have faxed several times trying to get a copy of the bank this Home Line of Equity was deposited to as follows:1.)  $XXXX deposited to checking account #XXXX  with no Routing number of       bank name.2.) Undisbursed funds $XXXX3.)  $XXXX      $XXXX XXXX  XXXX      $XXXX XXXX XXXX      $XXXX XXXX XXXX4.)  $XXXX Mortgage Real Estate TaxCredit Line:     $XXXX  Total  I keep faxing to XXXX with a response that is not answering the questions I have repeatedly ask for many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/year>
Product: Credit reporting 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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 4 credit reporting agencies XXXX, XXXX, transunion, XXXX I sent certified mail requesting then demanding all accounts to be VALIDATED not a verification & to provide me with certified copies of the TRUE BILL and accounting log if accounts ca n't be VALIDATED then it must be removed, remove inquiries, Fraudulent TAX LIEN, remove phone numbers and personal statements, XXXX its a Fraudulent acct. update addresses thryvkerp telling me they have not received any certified mail from me i have the proof they got it UCC 1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I submitted ftc report to XXXX, Equifax, XXXX as well as a written formal dispute and request to remove XXXX fraudulent/unauthorized XXXX XXXX credit card accounts. I demand that these accounts be removed from my credit report. I have submitted identity theft report and supporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I opened a case with Lexington Law Firm to remove a negative item on my credit report. From day one I made it clear that this item was the result of identity theft. For the next 7 months, they charged me their monthly fees, yet failed to follow proper identity theft protocol established by the FTC. 

It is no surprise that their work has led to no impact. Though I understand their stance is to not guarantee results, the fact that they accepted my identity theft-related case yet failed to follow protocol is not acceptable. This is a misleading practice.
Product: Debt collection

Upon receipt of my credit report I began the dispute process with my creditors and the credit bureaus. About all the negative items listed on my file. Each time a dispute was made they came back to state it is valid and I am responsible for my debt within their company. I have submitted a police report, identity theft form, Identification, and documentation stating I was incarcerated at the time these accounts were being used fraudulently. I believe they are discriminating against me. I have spoke with their investigation department numerous of times and provided all the documentation needed to show that I am a victim of Identity theft and yet they still fail to remove the late charges and the negative reporting and the balance that's reflecting on my credit report. This is a violation of the FCRA sections 607 ( b ), 611 ( 1 ) ( A ), 611 ( 5 ) ( A ) ( i ), 809 ( b ). 

I am disputing Synchrony Bank Walmart - Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3700.00} I am disputing Synchrony Bank Value City-Date XX/XX/XXXX thru XX/XX/XXXX Amount {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and equifax are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, Equifax and XXXX XXXX credit report.
Product: Credit card or prepaid card

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.
Product: Student loan

Since 2005 after leaving school, I have tried several times to get a affordable payment plan for my student loan. However, I was never able to get a lowered amount to pay for my loan. They set this high payment and I was never given a chance of getting a lowered offer. I am a XXXX and I would like a fair chance of getting my student loans forgiveness. Please help me to get a loan forgiveness plan that I need. My complaint is with Navient.
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 Customer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective 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: Mortgage

Currently in Short Sale for the property of XXXX XXXX XXXX, XXXX, NY XXXX with XXXXXXXX XXXX XXXX XXXX XXXX which has approved short sale and notified 2nd mortgage Bank of America. Bank of America has been giving myself, my lawyer, and my broker a run around for the pass 2 months to complete short sale. We have tried numerous times to even speak directly to the short sale department and been unsuccessful at every attempt. During the 2 months of try to get any correct instructions and process to complete short sale we were told needed to submit a letter of authorization to start the short sale. Then we also was told again by Bank of Americ a to submit the short sale information into a system called the " XXXX ''. My lawyer doesn't have access to this system. Contacted the my broker who does have access and was rejected by system on numerous attempts. Contact BOA numerous times to get resolved and after 2-3 weeks of trying was advised that my account doesn't even meet the requirements for the " XXXX '' since it is a 2nd mortgage. Due to this incompetency from Bank of America various staff and still not getting to correct individuals who should and can help to resolve this, we were still at no correct information or no conclusion to this. 
Tried again within the last 2 weeks again pulling teeth with Bank of America to get to short sale department unsuccessfully, representatives that we spoken to whom eventually called back the next day advise in order to do a short sale with Bank of America I have to do a modification before they can do a short sale and then if the modification gets declined in about XXXX months that I can submit for the short sale. I am not understanding as advised from my broker of 20 years in the real estate business and my lawyer also telling me that this unbelievable that they are trying to do everything to keep me in this mortgage and set me up for failure. Also the 1st primary mortgage with XXXX who is ready to close since the beginning of XX/XX/2022 and waiting on Bank of America is holding up the closing and will expire soon. There is a judgement Foreclosure in the XXXX court system filed by XXXX XXXX XXXXXXXX XXXX New York the owners of the property. This morally upsetting and frustrating to me. I trying to give up the property to an investor for almost 2 years and been getting nothing but disappointment upto the approval finally from XXXX XXXX XXXX and Bank of America isn't working to complete short sale. 
I am not trying to keep this property, that's why I am doing a short sale due to financial issues. 

P.S. these are some of the representatives that we have tried to get information, instructions and point of contacts to be transfered to correct departments and there has been no success on Bank of Americas end to due so. Here is a few nams XXXX XXXX  - North Carolina XXXX XXXX XXXX, Florida ( Refused give last name ) XXXX XXXX - XXXX, Texas ( on phone for about XXXX hours to contact short sale department, we never spoke to short sale department ) Loss mitigation department on numerous times P.S. Also filed complaint with XXXX Please see attached.