23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9600.00}.
Product: Money transfer, virtual currency, or money service

Hi! 
I need you assistance to resolve the issue I got online of Bank of America. 
I have 3 accounts in Bank of America - checking, credit line and car loan. 
On XX/XX/24 I tried to make a payment to my car loan account in the amount of {$310.00} from my checking account, and after submitting it, my money went not to car loan account but but to my credit account which had {$0.00} balance. 
It was no options to fix mistake online, and there in Bank of America site is not option to pay my car loan from credit card. 
I called to Dank of America credit dept, spent about 2 hours listening to their offers, and finally living person picked up the phone, his name was XXXX from Florida, he stated he's in not right dept, transferred to another associate who's name was XXXX from Florida as she introduced herself, she was unprofessional and unfriendly, asked the same questions several times, kept silent frequently, mumbling something unclearly, than stated she " will do her best to transfer money back to my checking account but it will take 10 business days. 
When I asked to talk with her supervisor, another person picked up the phone, did not introduce herself until I asked her name, she told I'm XXXX but when I asked her position, she just hanged up. 
Currently I don't know if my request was submitted, if I get money back to my checking account to make payment on time, if I need to spend another several hours to get their staff response, and what should I do next if nothing was been done to fix the issue they created in their site. 
Can you please help? 
I'm really curious if anyone control Bank of America customer service, are they have any controlling dept. 
Please help me to resolve the issue! 
Thanks in advance!
Product: Mortgage

We have never been late on a mortgage payment. 

Our loan, # XXXX, is owned by XXXX XXXX and serviced by Round point Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX NC. The first week in XX/XX/XXXX, we contacted Round point to let them know we would be changing the insurance carrier on our house. We followed this up by calling again in the first week in XXXX and the middle of XXXX. Our policy was due to renew on XX/XX/2019. During the last call the customer service agent for Round point said they received the XXXX page from XXXX and all was good as they had not paid the old insurance carrier, XXXX. On XX/XX/XXXX we got an {$890.00} refund check from XXXX. We called XXXX and they had not been paid the {$890.00} owed them. That same day in the mail we received a letter from Round point dated XX/XX/XXXX threatening us if didn't get insurance. We then called them twice asking for a postage paid envelope to mail them the refund check, once speaking with a XXXX, and would they please pay the right insurance company. They have raised our mortgage by {$60.00} a month and have sent another threatening letter saying we owe they them {$1200.00} for the escrow account. Now the are saying they send us a postage paid envelope either. We still don't know if they paid XXXX. 

The math they are using doesn't add up right. Their mismanagement might mean we may not have insurance on our house. I am not paying the postage to mail them the refund and I don't trust them to put it in our account anyway. I have asked them for control of our own escrow account as we'd actually pay the bills correctly and they said no. How far can they go in threatening us?
Product: Credit card

Denied a credit card in which no consumer shall be denied credit they are denying credit application and selling receivables after I asked them not to attached is the letters inhave sent
Product: Money transfer, virtual currency, or money service

I am filling out 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. this has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

A consumer credit transaction agreement was created between One Main Financial and the consumer, XXXX XXXX. Afterwards, a payment was made. After the initial payment was made, a payoff inquiry was made on XX/XX/2020. Both the payoff inquiry and statement reflected a payoff amount of {$6300.00}. A registered security ( in the form of an international promissory note see UNCITRAL CONVENTION ) was tendered and sent to One Main Financial under notarial witness, in the amount of {$6300.00} as satisfaction for the consumer credit transaction. After receiving the full satisfaction, One Main Financial failed to offset the account balance, harassed the consumer with debt collection calls and colluded with others ( law firms, courts and credit reporting agencies ) to inaccurately misrepresent the character of the consumer. In addition to not returning the international promissory note ( and adding insult to injury ), One Main Financial has begun garnishing the consumer 's wages.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX/NC ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Please reference Complaint ID : XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report
Product: Money transfer, virtual currency, or money service

I attempted to purchase a {$450.00} product online on XX/XX/2022, using a website called XXXX. Following more discussion on the intended exchange, the seller blocked me from the website on XX/XX/2022, and it became evident that the whole transaction was a fraud. I immediately contacted my bank, since this is where the money transfer company XXXX, with whom I transacted, was integrated. The bank filed a claim, which they sadly had to shut thrice, since they think I initiated the transfer and have no recourse other than to wait for the seller 's bank to retrieve the monies. While I appreciate the circumstances, it is utterly unreasonable that they be without protection in this instance. I felt certain that if something went wrong, I would be protected, having used my bank to send money. Neither the bank nor XXXX assisted with me in addressing the issue ; I have photographs indicating that the whole transaction was fraudulent, and the seller 's account was even suspended on the platform utilized, as it was likely reported by several other individuals. On the XXXX of XX/XX/2022, I decided to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), but my financial institution still contends that it has no choice but to wait for the receiving institution to retract the funds since I approved the transaction by transferring money. In order to make my claim official, I've filed a police complaint which is attached below, and I'm hoping it will help them handle the issue.
Product: Money transfer, virtual currency, or money service

I send money to my family with moneygram XXXXXXXX XXXX and my family can't get the money. The day was XX/XX/. After that, I canceled the transaction, asking my money back. They asked for some information about me, and I sent them. I'm still waiting. Almost a month ago, neither my family nor I had the money back.
Product: Credit reporting or other personal consumer reports

I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning the late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a Toyota XXXX of XXXX. I was financed by Toyota Financial Services. I was induced to purchase the vehicle using Toyota Financial Services by the Dealership known as Passport Toyota in XXXX XXXX, MD. The car was ultimately repossessed. I was taken advantage as a consumer so I sought corrective action assistance from : Maryland Attorney General ( Consumer Division ), and XXXX XXXX, CEO Toyota XXXX XXXX ( I have included all of these documents with this complaint ). XX/XX/XXXX. I submitted a Settlement Eligibility Form to XXXX ( see document included with this complaint. Friday XXXX, XXXX, I received a Notice of Ineligibility from Toyota Motor Credit Corporation Settlement, Settlement Administration dated XX/XX/XXXX. Reading the documents I enclosed you will see I have been fighting the unfair loan I was provided by Toyota Financial Services. I overpaid for my vehicle and the interest I was charged was probably due to geographical location of this dealership. This dealership is located in a predominantly XXXX neighborhood and serves primarily person 's of XXXX. *At one time I even asked the Department of Justice to investigate this dealership and their discriminatory practice of selling cars and the financing to person 's of XXXX, disproportionally setting them up for repossession.
Product: Credit card or prepaid card

In early XXXX XXXX I opened a XXXXComenity Bank Credit Card ( acct XXXX XXXX ) and spent {$30.00}. I paid the bill on XX/XX/XXXX, but there was a problem with the account number. According to my bank ( XXXX XXXX XXXX, Acct XXXX ) Comenity accepted the payment but did not apply it to my account. I called Comenity and they said, " no problem, just wait as it may post later ''. It never did, so I was worried about my credit and sent in {$35.00} on XXXX, but again it was cleared by XXXX but not so with Comenity. I called, and they said I should pay {$32.00} on XXXX which I did over the phone. That is the only payment that they have acknowledged. I got another bill with the charges mounting so called again. I got XXXX and Comenity on the same line and all was apparently fixed as XXXX said the payments had cleared and the Comenity rep confirmed it. The rep from Comenity said I would see a corrected statement shortly. After about 10 days I checked online and there was no correction, so I called Comenity again. They said they had no record of a resolution, and that I must send in written proof via U.S mail and wait 90 days for a resolution. I do not believe that will do any good since they continually lie to me and a letter will go where?? To date I have paid {$98.00} but only {$32.00} has been credited to my account, and they claim I now owe {$66.00} more. They are sending me ugly letters ; I have spent hours and hours trying to fix this and give up. Please help me.
Product: Credit card or prepaid card

Someone stole my credit card They spent money and I canceled my credit card Suddenly I see charges on my account from my debit card. My debit card was not stolen. 
I had to cancel both my debit and credit card as soon as I saw the charges on my account. 
Chime said that they would help me. I see that they said that this matched my spending velocity. 
I told them I have never purchased anything from any of the merchants. I sent them the police report. I keep getting messages that the investigation is closed only hours after I opened the dispute
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received communication from my previous dispute from tranusnion office stating that they are still working on my dispute and that it may take up to 60 days to resolve. I must inform them that this extended timeline is a violation of the Fair Credit Reporting Act ( FCRA ). As they are aware, under the FCRA, credit bureaus are required to complete their investigations and provide a response within 30 days of receiving a dispute. 

Failure to comply with these regulations is a serious matter, and if this issue is not resolved promptly, I will have no choice but to consider all legal options available to me, including seeking legal counsel to enforce my rights under the FCRA. 

I urge Transunion to complete your investigation immediately and remove the inaccurate information from my credit report without further delay. I expect a written confirmation that the account in dispute has been removed or a detailed explanation if you believe it should remain. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I tried to make a payment to a XXXX XXXX of XXXX XXXX XXXX using the WISE  Payments limited online service. Wise deducted XXXX from my bank account. One day later Wise canceled my account without a specific explanation and did not accept my appeal to reinstate the account. The message from Wise  said that any pending transfers would be returned shortly. Unfortunately, I have only received a refund from Wise XXXX  XXXX  which is considerably less than they deducted from my account. 

Surprisingly another transaction for XXXX XXXX ( XXXX ) done around the same time went through.
Product: Debt collection

Portfolio Recovery has called two to three times a week attempting to collect a credit card debt from 2016 that is past the statue of limitations in Maine. They keep harassing me over this.
Product: Debt collection

Gurstel law firm failed to send notice to sue me in court on XXXX  occasions. They also initiated the process of collections without giving me correct account information including account number and/or balance. 

They failed to serve me prior notification of intent to sue on XXXX  occasions, XXXX  for the initial filing and now for the resubmittal of the default. Therefore dismissing my ability to show up to court to defend myself. Only mail correspondence were sent, the first dated over a month after they filed and the most recent postmarked two days prior to the supposed court day and arriving after the court day by mail. They are in violation of the FCRA. In fact in their most recent letter they asked the court to resubmit the default judgement since the court had rejected the initial one due to missing information in the first filing. 

I have tried contacting them initially by phone and then by filing a complaint with the XXXX  to which their response was generic and not effective. Due to the aggressive and illegal tactics used by this law firm, my credit has been negatively impacted even if otherwise my credit is spotless. This company should not be allowed to practice with disregard for the law, after all they are a law firm! I request the supposed debt be removed from my credit immediately due to their violation of the FCRA.
Product: Debt collection

In XXXX I was trying to use the ECSI app to pay my loan and it stopped working. There was an error every time I tried to submit my payment. I tried to call ECSI and they told me that my information ( that I was reading off of the billing statement ) couldn't be verified. This continued to happen and I gave up. My last payment was XX/XX/XXXX. 

The last statement ECSI sent me was XX/XX/XXXX. I received no communication about it going into collections or communication from a collection agency. 

I was applying for financial aid for grad school this year ( XXXX ) on XX/XX/XXXX. I noticed I had 3 loans in default. There was no information on the website about who held my loan- only that it had been sent to collections On XX/XX/XXXX I submitted a ticket asking for the number of the collections agency. I never heard back from them- I waited for an email saying that my ticket had been resolved and never received one. 

I checked back into the ECSI website on the XXXX and noticed a number had finally appeared. I opened the chat to ask a few questions to a representative. The rep told me that the loan didn't go into collections until early XXXX ( remember I noticed my loan being in collections on the XXXX. ) and they had updated information on the XXXX about the collections agency. 

I called the agency, XXXX and XXXX, and they said they had just received it and my file hadn't fully uploaded it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/2022 ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX , XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Debt collection

I sent a verification letter certified to XXXX XXXX XXXX. on XX/XX/2021 asking them to verify this debt of {$1900.00} but they failed to respond.
Product: Mortgage

The mortgage lender failed to adjust the escrow amount even though property taxes increased. Because of that I have a large negative escrow balance. Now I receive a notice that the lender requires almost {$4600.00} now, or I can have my payment go up by 48 % for a year to correct this.
Product: Vehicle loan or lease

I contact company ( Santander ) at end of XXXX to inform that I paid for XXXX months payments in XXXX in the amount of XXXX for XXXX and XXXX. Calle rstated company has 30 days from the date recieved to inform credit Bureau. I stated its past the 30 days and i was informed to file a dispute with credit bureau. I filed a dispute no actions taken. I called back in middle of XXXX I was told issue will be escalated and fix still no change. I contacted company again in XXXX filed a compliant since it has not been reported that I made a payment for XXXX and XXXX and was informed complaint will be resolved in next business day still no resolution nor has issue been resolved