23daVinci/CFPB_Complaints huggingface dataset:
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX ( XXXX ) - ( XXXX XXXX - US DEPT OF ED/GLELSI ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED ( XXXX ) - ( XXXX ) XXXX US DEP ED ( XXXX ) - ( XXXX ) XXXX US DEP ED ( XXXX ) - ( XXXX ) XXXX US DEPT OF ED/XXXX ( XXXX ) - ( XXXX ) XXXX US DEPT OF ED/XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX ( XXXX ) - ( XXXX ) XXXX US DEPT OF EDXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX US DEP ED ( XXXX ) XXXX ( XXXX ) - US DEP ED ( XXXX ) - ( XXXX ) - US DEP ED ( XXXX ) - ( XXXX ) - US DEPT OF ED/XXXX  ( XXXX ) - ( XXXX ) XXXX US DEPT OF ED/XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX US DEP ED ( XXXX ) - ( XXXX ) XXXX US DEP ED ( XXXX ) - ( XXXX ) XXXX US DEP ED ( XXXX XXXX - ( XXXX ) XXXX US DEPT OF EDXXXX ( XXXX ) - ( XXXX ) XXXX US DEPT OF EDXXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I saw a credit collection with South West Credit System and original creditor I saw XXXX on my account. I have never open account with XXXX and I have called XXXX they I have no account with them. I have also called south West Credit System they also said I have no account with them too. So I 'm making this complaint so that that information to be remove from my credit report. I disputed with XXXX and they have taken the irregularities or collection from my account but still shows up on my XXXX report. So I want it to be taken off from my credit report. Thanks.
Product: Credit card or prepaid card

On XX/XX/ 2018 i went to Best Buy with the intention to buy a new computer and apply for the credit card that best buy offer throgh City bank. Best buy offer this credit card for people with good credit and cero anual fee. I applied because i have excellent credit fico at over 800 and history over 15 year without missing a single payment. So my credit is good, that is what i thought! My application was denied and employee call the bank to find out. Because he got a code saying that he needs to call them. When he call the bank, the bank asked to speak with me. The bank told me that they can not approved my application for that specific card but they have a better offer for me with a better card with rewards but have a anual fee. I told them that i do not want a credit card with anual fee, but want that i have applied for. The bank said he can not offer that one but insisted to get the better one with anual fee. So the bank ask me if i declined to take the card with anual fee, and said yes. I left best buy without a credit card and with a hard inquired in my credit. They told me that i will received a letter in the mail why i was denied credit and disputed with credit bureau. I called XXXX and they told me that they dont approved or denied credit, they only sent my info to the bank and they made the decision. So i called the bank and ask for explanation but i was told they dont have that i formation and i need to contact the credit bureau. So at the end i could not get information why Citi bank denied me the credit card that i applied for but instead offer me as they said a better one with rewards but has a anual fee.
Product: Mortgage

Select Portfolio Servicing is charging Illegal " Property Inspection '' charges on mortgage account. We have paid on time and proved via SPS Payment History showing all payments current and never paid late. Enclosed is our SPS mortgage statement dated XXXX XXXX XXXX for our next payment due XX/XX/XXXX. This statement has a " Property Inspection '' charge of {$40.00} that is illegal under XXXX XXXX servicing Section 9202.3 that is only to be charged in the event of mortgage delinquency. We requested SPS payment history which was provided from XXXX to current due XXXX XXXX XXXX. It clearly shows no delinquent or late payments. This is exactly how XXXX XXXX mortgage, our prior servicing company, started to harass us and lead to XXXX XXXX not crediting our mortgage payments and charging late fees and escrow payments increased. We will not be harassed by another mortgage servicing company charging ILLEGAL FEES to steal money from homeowners. We want a stop to this ILLEGAL actions by Select Portfolio Servicing immediately and CFPB take action to stop them and file civil actions against them if warranted.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns of Zelle 's handling of disputes in particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting this to the bank, they failed to adequately investigate my claims. They informed me that tracking these transactions were impossible and not feasible. The CFPB 's finding indicate that Zelle has not only neglected to protect the customers it has also allowed repeat offenders to manipulate and exploit the system, leaving it vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I met with Bank of America associate to send a wire transfer in the amount of US {$10000.00} to an organization in XXXX called XXXX XXXX, I gave the associate in the bank the correct account information for the beneficiary account and the name on that account was XXXXXXXX XXXX However, the associate indicated that the account has to have the name of a person not the organization. So I gave him the name of the Director of the XXXX XXXX and that is what he used to send the wire to XXXX. However, the wire was rejected by the bank in XXXX ( XXXX XXXXXXXX XXXXk ) because of the incompatibility of the name on the account. Thus, the XXXX XXXX XXXX returned the fund to XXXX Bank in the US as an intermediary bank. The original wire was sent on XXXX XXXX and the XXXX XXXXXXXX XXXXk has returned it to XXXX Bank here in the US on XX/XX/2022. I called the wire department with bank of America at XXXX XXXX XXXX almost 7-8 times to inquire about where is the fund that was returned by the XXXX XXXXXXXX XXXX and asked them to return the fund to the original account with Bank of America. I also visited the bank of America branch where the wire was initiated almost 5-6 visits requesting the return of the fund to the account with Bank of America which is under the name of XXXX XXXX XXXXXXXXXXXX XXXX, account number XXXX but unfortunately all my requested were unsuccessful. Every time I am given different answer and reason for why the money did not return back to the account. Many times, I was told we sent a message to XXXX bank, but we have to wait for XXXX bank to respond to us and we have no control over when they respond to us. I was also told we don't know how long it will take them to respond and there is nothing we can do about that, and we have to wait. I then visited XXXX bank and requested the number to their wire dept. and when I called them to ask about why are they holding the wire fund with them they said they can not talk to me because I don't have an account with them and that I have to get my Bank of America to talk to them. I went back to bank of America and asked them to call XXXX Bank in my presence on a conference call, XXXX bank indicated that they did send the fund to bank of America, but Bank of America returned the money to them again by mistake. It has been a nightmare and a very frustrating experience for me for the last 2.5 months also frustrating experience for the XXXX XXXX organization in XXXX since this fund was to help their orphanages. Can you please help us get this fund of {$10000.00} back into the account of The XXXX XXXX XXXX with Bank of America here in the US PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX all accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.
Product: Money transfer, virtual currency, or money service

Cash app used my private credit card to make advancement and credit request from the federal reserve window open demand deposit account on my behalf without my proper power of attorney, cash app used my private information to open trade on the secondary market with my express written consent and hid the profit is offshore accounts committing money laundering
Product: Debt collection

This debt collection company is calling trying to collect a debt I do not owe. I have paid the company. The company actually owe me money. I have informed the debt collector of this and yet they still call. Today at dealt with a very nasty representative from this debt collection agency
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

Commonwealth Finance has continued to list an old medical bill that I do not even recognize as a new debt collection with all 3 credit bureaus. As I have been working very hard to pay off collections that are legitimate and they have now " re-aged '' the collection and post it again as if it is new. When it was previously listed on my credit report over 7   years ago it was for a different amount. 

The collection lists XXXX XXXX XXXX in the amount of {$1000.00}. I have never heard of XXXX and have not been able to get any more information about the debt. Whatever it is I know it was from 9 years ago originally. 

In addition to this, I have never received a collection letter from Commonwealth Finance listing the right to dispute the debt. 

Most recently they posted it as a new collection on XX/XX/2019. Even if the debt is legitimate it is older than 7 years and should not be listed on my credit report. 

This tacting of " re-aging '' the debt appears to be against FCRA guidelines and is fraudulent. 

It is currently preventing me from renting a new home for my family as it brings my score down over 100 points. 

I have contacted them in the past and they were rude and only interested trying to scare me into paying this bill that should have fallen off my credit two years ago.
Product: Debt collection

Midwest Recovery Systems, LLC is a collection agency from Missouri who is reporting a collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2020 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Midwest Recovery Systems is not a licensed collection agency in the State of Colorado. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Missouri XXXX, XXXX XXXX
Product: Credit card or prepaid card

XXXX keeps double charging me for purchases. They have done this with many XXXX purchases and now just did it again with an XXXX purchase. I need my money and they keep taking it without any records or explanation other than a fleeting notification that a purchase price has just been " adjusted '' They have stolen hundreds of dollars from me this month alone
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/18, I received 2 small packages in boxes from " XXXX XXXX '' each containing a gold-looking cross and a statement showing the value of each cross to be {$170.00}. The problem is, I did not order the crosses, nor, have I ever done any business with any XXXX XXXX company. 

I was actually away on vacation when the packages arrived and my mail was on hold. When the held mail was delivered, there were two letters dated XX/XX/18 thanking me for my order and informing me that they could not process the order without advance remittance. However, the dollar amounts were different on each invoice ... one was for XXXX ( which was the price of the cross on the order form ) and one was for {$240.00}, which I have no idea what that is about. I also received another letter dated XX/XX/18 with the same verbiage, however, that letter was referencing a charge of {$400.00} for some other apparent merchandise which I did not order, nor, did I receive a package! 

On XX/XX/18, the day I returned home, I called the customer service number on the order slip and spoke to " XXXX '', explaining that there has been a mistake because I did not open an account with XXXX XXXX or order these items. He stated he was submitting a report to the company Fraud Dept and I would receive instructions about returning the products within 7 days. 

I have e-mailed the customer service for both XXXX XXXX and XXXX XXXX and have not received any information from either company.
Product: Debt collection

I received a call about a year ago from this company called Portfolio Recovery asking for someone NOT ME!!!. I said to the gentleman " I am not that person " to this day every day without fail I still receive a phone calls everyday from this company. I try to ignore them and report them as spam but they still call under a different area code and different number but the same name Portfolio Recovery. I do not owe anyone a dime in my life. I pay off my credit cards every end of the month in full payment. I pay all my bills. I have a credit score of XXXX and I have never had ask anyone for money Thanks be to XXXX. 
Anyway, I have told these people on more than one occasion that I am not the person they are looking for and they still continue to harass me. Please make it STOP. 
Thank you, Sincerely, XXXX XXXX
Product: Debt collection

I made a complaint against XXXX today already on this. Months ago, I was occasionally receiving mail from a company known as Convergent ( I think it is a debt collection ) showing I owed XXXX over {$5500.00}. I honestly already threw them out because I thought this was all over. I went to my local XXXX store at XXXX XXXX XXXX, XXXX XXXX, VA XXXX and had numerous phone calls with XXXX. 

I was told that the letter looked like a fraud scam to them and the account numbers shown in the letter showed nothing in theirs for an account for me. 

After I called XXXX today, they were incredibly rude and after I kept asking for documentation on a dispute that she claimed she was filing for me ( but kept telling me to come here .... ). I recorded the entire conversation on video. 

XXXX decreased my credit by XXXX  points recently because of some XXXX account. I have no XXXX account that I don't already spend monthly expenses on.
Product: Credit reporting, credit repair services, or other personal consumer reports

BASED ON 15U.S CODE 1681A, TD BANK USE INFORMATION ON XX/XX/2017 AND XX/XX/2017 WITHOUT MY WRITTEN CONSENT I HAVE ASK THEM NUMEROUS TIMES TO REMOVE LATE PAYMENTS FROM MY CREDIT REPORT BUT THEY CONTINUE TO BREAK CONSUMER LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX  and TransUnion to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Product: Debt collection

This in not my debt it is due to identify fraud I sent information to company that is reporting debt company it is still reporting information to my credit
Product: Mortgage

We sent in the first XXXX checks in the amount of {$XXXX} and {$XXXX} and both were stamped and returned to us. The XXXX check in the amount of {$XXXX} were sent to them on XX/XX/year>. They kept this check and did not send it back. So between me and my husband we took turns calling them more than XXXX or XXXX. Every time we called we would get a different customer rep with a different story. We call them so many times but no resolutions. On XX/XX/XXXX, I spoke to XXXX XXXX Mortgage 's customer service, she said that on the XXXX of XXXX Roundpoint will escalate my account for process and so I will receive my check back XXXX to XXXX  days. She counted the date and she said it will be on XX/XX/XXXX that I will receive this check. On XX/XX/XXXX we received a check in the mail but it is only in the amount of {$XXXX}. They kept the balance of {$XXXX}.
Product: Credit card or prepaid card

so my mom flipped out on the phone w/ XXXX XXXX " '' un XXXX '' the state named XXXX and personally if i owned a bank i wouldnt for customer service, i wouldnt have my clients call some other planet where economy is diff, not us dollars money and law just hear me out. and the decisions made that board of directors have no clue and i dont know XXXX about economics law and credit for instance about a momth ago XXXX sent mom a letter stating since you havent used their card for i dont know 45 days were terminate ya acct which doesnt cost them overhead keeping acct open and by cutting a potential profit XXXX ceo would lose their mindZ not over a XXXX dollars but as a XXXX i dont think its good business protocol to cut potential profits and oh ya XXXX eventually tells mom five years ago they used to take a set amt every month but isnt i mean five years to without permission go into someones checking account not tell them not ask them not even the exact amount taken out five years ago. basically XXXX picked a round number hit subtract and put yourselves in moms shoes and out of all the defense exhibits defense counsel may show the jury XXXX aka XXXX decided fove yrs ago they had a deal. thats the diff between XXXX and everyone else XXXX never uses paper currency its numbers on a screen no emotional ties where as XXXX cards by citi bank and banks ots a life situation you have only so much paper currency everyday as XXXX day in a branch of citibank. where XXXX no bank lets say i bought a car on ebay but XXXX lost it in mail so you disute charge where XXXX immediatly freezes that amount until a decision is made XXXX they not only want you to pay for what you never received but they making profit on interest if you dont pay bill now when it takes XXXX XXXX months make decision its your fault they take XXXX months but i didnt get product and thats my fault and am responsible for holy XXXX XXXX and XXXX have insurance for what reason? and you see im sure you hear stories like this everyday but a ) it still goes on and b ) do ya jobs, the checking acct and credit card are two diff accts thst dont know the other exists and c/o the great state of XXXX and XXXX goes but both accts through our company wha you want a XXXX medal? if someone hacks my bank acct and police find out who withdrew funds they get arrested but then here we are. if you have any questions comments or concerns my house number is XXXX and please write me a letter via mail @ XXXX XXXX XXXX XXXX XXXX, newyorkstate XXXX