23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I sent certified letters to discover card requesting verification and proof of said credit card account on XX/XX/XXXX, no disputes were filed with any of the credit reporting agencies, XXXX XXXX or XXXX Discover card did not report the dispute nor respond in the required 30 days, verified. Again in XX/XX/XXXX again another letter send to Discover Card requiring them to send me the verification of proof or the said Discover account and all transactions with signature etc. Nothing again reported to the XXXX credit bureaus and letter was sent certified and again no response within the require 30 days. Again on XX/XX/XXXX letters sent again on verification and proof on said account by certified letter. A gain no respons with said verification of prrof and no reporting to the credit bureaus with in the require 30 days by the FCRA 623 ( a ) ( c ) Discover card instead has sent the said account to XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX XXXX in an effort to bully me and my position on the said account by Discover Card. XXXX XXXX had all of a sudden filed the dispute for Discover Card with the XXXX credit bureaus after 6 months, beyond the 30 days require by law and after much stress on me and causing harm to my credit. Discover card has still not provided any original proof of my original signature nor has cooperated in sending me all copies of the said purchases, detailed with what was purchased and dates. Discover Card can bully most consumers and destroy their credit and charge outlandish fees to the consumer. Clearly Discover Card has no remorse for their actions nor lack of ability to furnish any actual original proof Of said account. The law firm is clearly trying to use scare tactics and I remain firm in my resolve against both Discover Card and their illegal misuse of the system disregarding the FCRA 623 ( a ) ( 3 ) FDCPA section 807 ( 8 ) FCRA 623 ( a ) ( c ). XXXX XXXX has court seeking judgment against me XX/XX/XXXX without providing any original proof of said account and I will not let this law firm or Discover bully me as I have shown up three times all to be moved to a later date causing me more missed time at my job, more stress and longer credit damage. Discover Card is a deceitful company to the consumers and defrauds and misuses its place in the Credit Card world to the consumers.
Product: Checking or savings account

My XXXX check was released to the bank and they accepted it on my behalf I spent XXXX hours yesterday on the phone about XXXX hours today on the phone and they tell me it's going to take a couple days for them to find where my money 's at I gave him a tracking number and a still just telling me to wait I'll just have to wait. Talk to the treasury department and they said they definitely know that the bank received the money and accepted it. That's an XXXX XXXX check that I count on and haven't had access to since last Friday like I said. I was also told when they do find it they won't call me to let me know I have to guess pretty much when they found it or if they found it and call them this isn't the first problem I've had with this Bank but this is the worst so far. The check amount would be {$620.00}. tracking number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was deposited XX/XX/year>. Thank you hopefully you can help me out have a nice day take care
Product: Debt collection

I have previously sent this collector a request on XX/XX/XXXX to validate this debt as well as sending a letter to XXXX  and XXXX. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you they I allegedly owe you. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them. 

Since they are still reporting this account on my credit report, they are now in violation of the FCPDA. This account is also past the statue of limitations as it is reporting as opened XX/XX/XXXX, which has surpassed 5 years and this collector has reported this as a charge off but once I disputed it they changed the balance from {$0.00} to {$6600.00} stating this is the balance owed as if theyre still coming after me, which is a violation of the FCRA!
Product: Mortgage

I am having Issues with the mortgage company Ocwen loan servicing and also Phh mortgage   company. My first complaint was answered but not completely solved. this has been the most aggravating process since XX/XX/2019. I am looking for help to solve the problem of making payments and making them for the correct amount. every time I call the mortgage company I get the run around and I am told to call back in a week. I have asked for correspondence to reflect my current payments so I can start to make payments, but no one can tell me what my monthly payment should be. They have sent my payments back several times claiming they are not received on time, which is a lie and I have tracking numbers to prove it. I need to have a brand new loan modification done to satisfy my problems. I need to be able to make payments, I can not wait and wait and then come up with a huge amount of money. I have lots of financial bills to be paid and while the mortgage company doesn't take my payment, i will pay some one who will. 
there needs to be something done, I have been waiting two weeks now and still no answers, I received correspondence saying to please be patient they are still working on it. this is nonsense, how can a company function like this.
Product: Credit reporting or other personal consumer reports

I found a number of incorrect personal information on my credit report and I contacted TransUnion in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Checking or savings account

On XXXX, I went to use my ATM/Debit card from Citibank. Got declined. I called customer service and they advised there is a security block on my account and gave me a phone number of an outside company that they said is handling this. I called them and they said NO, we have nothing regarding your Citibank account. Since then, I have been getting the run around regarding my account, saying it is being closed and a check will be sent to me, but yet when I call into customer service, they see the positive funds in my account. They have cancelled my debit card, will not allow me to transfer my funds online to an outside account, and we do not have any local branches in Texas to go to since they pulled out of Texas. I have asked multiple times for a supervisor to contact me, and they have not. They transfer me to fraud department which they say has nothing to do with it, they also say the new accounts department put this request in, but they never get anyone on the phone about it. This is absolutely ridiculous and they will not give me any specific information and keep saying the system produces everything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

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 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 XXXXXXXX These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report XXXX XXXX
Product: Debt collection

RS Clark and Associates , Inc. is trying to collect a debt which has been paid and the reconciliated account by the original creditor shows a balance of {$0.00}. I believe this collection to be inaccurate and illegal for two reasons : 1. I was never informed of the subject debt transfer from the original creditor to RS Clark and Associates. 2. It is in violation of The Servicemembers Civil Relief Act. 

Background : I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during my time as a tenant, I was never late for rent or missed a payment. I vacated the property on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX after signing an account reconciliation indicating that I was to be owed a {$410.00} refund. I proceeded to move to Maryland in order to attend XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX for a period of 6 months which I currently XXXX XXXX. In my surprised, I received an email From XXXX XXXX Stating I owed them a balance of {$1900.00} stating that I never paid my XX/XX/XXXX rent. I proceeded to send them ( via email traffic ) my bank statement showing that the money was in fact paid for the month of XX/XX/XXXX as for every month before that. After that reach out to me via phone call and we once again went of the account reconciliation ( which they provided me with a copy, and the account balance was {$0.00} after payment from insurance and closed. 

I'm not sure of what's happening but I have provided all the receipt showing that I paid the account, and it was in good standing.
Product: Debt collection

Hi IC Systems ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve
furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

Bank of America Account number XXXX Routing : XXXX My name is XXXX XXXX XXXX, few months ago a have received a check the amount of {$1700.00} with a latter from whole food market. 
I asked some of my friends do you know whats this check from? They said its under your name you can deposit the check. 
I deposited the check via mobile deposit I got a note it will be available in 3 days, after 3 days it extended for another 3 day before that I received an email from bank of America that we are going to close your account. I called bank of America costumer service they said you deposited a fraud check and we will close your account.

I requested a lot if they understand me that I am not the printer, signer and issuer of the check, I am a kind of victim in this case, they said if youre not expecting any check why you deposited, the decision is final.

They closed my account and reported to check companies like early warning, check system deposited fraud check. 
Now I have no bank account and cant open any account, I am working as a XXXX XXXXXXXX and my payment is direct deposit, my employer cant issue any check for me. 
I have XXXX kids and wife, my wife has XXXX XXXX XXXXXXXX and not able to work, I am the only one whos working, and I am not able to pay even {$5.00} for parking, I have to pay my bills like rent, water etc... with bank account. 
I am requesting from you please help me. 
I dont want to be homeless and me with my family be on the street. 
please don't punish my kids because of my mistake and my mistake is deposited a check I was not expecting that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Burea Trans union stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true
Product: Credit reporting, credit repair services, or other personal consumer reports

I solely contracted with XXXX to provide alarm monitoring service. My credit wasnt great so I had to pay a monthly fee to get the alarm monitoring service ( I have proof that this was my account and that I wasnt given a line of credit ). XXXX a dealer for XXXX accepted my monthly payments initially then XXXX took over. I fell on hard times and could no longer pay for the alarm monitoring service. I was given a letter stating that my monitoring service would be disconnected if I did not pay the monthly fee. I did not pay the monthly fee and my services was disconnected. XXXX, the company I contracted with, sent me a collection letter, but was not authorized to collect in my state for which I timely disputed. 

Last month, XX/XX/2021, Transunion informed me that XXXX reported to them that I had a charge account with them, the account was joint and that it was a utility charge-off. I was never issued any credit nor was I given any terms, apr rate etc ... Further, all of my monthly service statements list me as the responsible customer. Even the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX never listed XXXX alarm company as a utility provider. 

However, XXXX has reported to Transunion that they had issued me credit, and that they were a utility company, a creditor, entitled to report negative information about me without coming to me first so I can dispute any errors.
Product: Money transfer, virtual currency, or money service

Zelle user and transaction fraud/scam. XX/XX/2022, I was in contact with another person from the app XXXX in regards to XXXX pair of pants bundle for {$30.00} she was interested in buying. She was unable to pay via XXXX  through the app and asked to pay through other ways. She mailed a check and it was the amount of {$1400.00}. I only wanted {$30.00} and wanted to return the {$1300.00}. This person asked for me to send the remaining amount of money through a third party ( her attorney ) as thats where the additional money originated from. Check was deposited into my bank account on XX/XX/2022 and was approved. Money was sent through Zelle XX/XX/2022. XX/XX/2022 Check was bounced back and additional {$1400.00} was taken out of my account. Person will not answer me on all emails and phone number. I ended up loosing {$1300.00}. Attached included fraudulent account holder for Zelle XXXX XXXX XXXX ) and her information, as well as fraudulent check.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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: Mortgage

all parties involved did not stop the process of a lien costing me {$3000.00} and much more time from work and using unfair practices all parties enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went online to get a credit report thru Experian because I wanted to be certain an error in my report had been corrected. I understand that I am entitled to a once a year free report but they indicated there was a {$1.00} charge which I agreed because of its insignificance. Somehow in the application process they con you into an agreement that says in effect that if you do not cancel the membership within 7 days, there will be a recurring monthly charge of {$21.00} to the credit card required to pay the {$1.00} that is supposed to be free. Upon calling they readily agreed to cancel future charges but refused to refund the first month 's charge. THIS IS A TOTAL SCAM AND IS INTENTIONALLY DESIGNED TO GET PAID FOR WHAT IS SUPPOSED TO BE FREE BY LAW. These people need to follow the law or be put our of business as I suspect the number of people being scammed is substantially more than reported due to the relatively small charge. REDICULOUS!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/scrub>XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a COLLECTIONS ACCOUNT opened by XXXX XXXX XXXX on XXXX under the account number ( XXXX ), an collection originally owned by XXXX XXXX and sold to XXXX XXXX XXXX This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( FTC Report Number : XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud. 

Furthermore the collection company has made false reported attempts to actually investigate the original account. that in case was opened while i was incarcerated please see attached document proving me being incapable of opening the original account therefore invalidating their collection account.
Product: Mortgage

My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX both for travel overseas and military training. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. We have sent another letter to the CEO showing evidence of our travels and military duty.
Product: Debt collection

Santander is in violation of UCC code they were involved in a class action lawsuit for predatory loans on fair treatment of consumers I was one of those individuals they attempted to collect on a debt that was not valid and they have continued to report it on my credit report and I'm unable to dispute them because you're not allowed to continue to dispute a situation or a credit issue more than one time and I would ask that you do a complete investigation and keep me updated thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full in XX/XX/2017 through XXXX XXXX ( collection agency handling the account ), but the account still shows in a derogatory status on my XXXX   report. I filed a dispute with XXXX and the account is still not updated. All other credit bureaus are updated correctly.
Product: Credit card or prepaid card

As of todayXXXX my care credit account which had a XXXX balance and a credit limit of {$1500.00} was closed without notice, I found out through my XXXX  credit report, considering the difficult times we are living Synchrony Bank should be a shame of themselves, this credit card is meant for a medical emergency, and even though my credit is not perfect I was not in default I paid on time and even though I was laid off by XXXX on XX/XX/2020 as soon as I could I paid off my account, I did it and I was happy to have it as an emergency, but this is not the first card this company closes, I also had a tjmaxx account credit limit of XXXX and XXXX balance and never in default, also they contacted me a week later they closed my account.I think specially now with covid19 care credit is an essential card and I shouldn't suffer the consecuences of their fears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Product: Credit reporting or other personal consumer reports

This is really frustrating, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you guys are reporting on my credit that are not the maximum possible accuracy. It's hurting my XXXX XXXX and impacting my life negatively, it's stressing me out.