23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Id like to report that Capital Management Services LP is being misrepresented by scammers. Over the last week, Ive received a call daily from a set of phone numbers from the XXXX area : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX While I have not picked up, the voicemail states that it is someone representing Capital Management Services LP and that I should call them back at XXXX. The voice of the person calling is the same each time, but the name changes. The last call I received was from a XXXX XXXX and the call before that, it sounded like the name was intentionally garbled by a machine. There is no further information provided in these voicemails - nothing related to debts or even what they are calling about. Looking up the phone numbers and reviewing the real XXXX  site, I believe these are scammers and would like to bring that to XXXX  attention. 

Every voicemail is scripted as follows : " Hi. This is *GARBLED NAME* calling from Capital Management Services LP . Please call me or one of our representatives at XXXX. ''
Product: Debt collection

At the end of XX/XX/2019, I received a letter in the mail from Ability Recovery Service attempting to collect a debt, from XXXX XXXX   for {$4300.00}, that does not belong to me. I never attended this school. This makes the second time that they have tried to collect on fraudulent debt. I sent them a police report a few months ago stating that my identity was stolen and they are now trying again but on a different account. Their letter clearly states that I have 30 days after receiving the letter to dispute the debt in writing. Their letter was dated for XX/XX/2019 and I received it a few days afterwards, however they went ahead and placed the item on my credit report before the 30 days are up. Today is XX/XX/XXXX and it was placed on my credit between XX/XX/2019 and XX/XX/2019. That is not 30 days. I did dispute the letter in writing that will arrive to them on tomorrow XX/XX/2019 ( delivery confirmation included ). I also left a message with XXXX XXXX at XXXX. I have not heard back from her. I called again on today XX/XX/2019 at XXXX cst and spoke with a representative that would not provide his name. Placing this item on my credit before receiving my dispute and before the 30 day deadline is very unprofessional and underhanded. Add this to them collecting on a fraudulent account is a recipe for disaster for any consumer. I am in the middle of buying a home and this wrongful action by XXXX XXXX XXXX, XXXX has dropped my scores drastically.
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Checking or savings account

I am writing to file a formal complaint against Citibank regarding their XXXX XXXX XXXX XXXX. I opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with Citibank, enticed by the offer 's terms clearly stating, " Your XXXX XXXX  bonus miles will be credited to your XXXX account within 30 calendar days from the date you complete all Required Activities. '' I meticulously ensured that I fulfilled all the stipulated requirements for this offer. To further validate my eligibility, I contacted Citibank 's customer representatives on two separate occasions, both of which confirmed that I had indeed satisfied the necessary criteria. 

However, to my utter dismay, Citibank 's XXXX XXXX subsequently sent me an official letter contradicting the terms of the promotion. The letter stated, " Fulfillment of the promotional offer is made systematically ; therefore, you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive. '' This abrupt change in the timeline for awarding the bonus miles is wholly unacceptable. The initial terms were unequivocal in their commitment to posting the miles within 30 calendar days after completing the requirements. Citibank 's failure to adhere to their own stipulated conditions has caused considerable frustration and disappointment. 

I kindly request the CFPB intervention to address this matter promptly and ensure that Citibank honors the original terms of their XXXX XXXX XXXX XXXX If Citibank can not adhere to the originally promised timeline, I expect them to compensate me appropriately for the inconvenience and deviation from the agreed-upon terms. 

Thank you CFPB for your continued commitment to safeguarding consumer rights and fair banking practices, and I look forward to your response.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App XXXX XXXX XXXX XXXX ) for poor customer service and unjust practices that breach the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to act promptly and effectively to prevent and address fraud on their platform, leaving my account exposed and unprotected. Additionally, their dispute resolution process was both unfair and misleading, as they did not adhere to error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have faced considerable inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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: Credit reporting

Equifax has placed a charge off on my credit report on XXXX/XXXX/XXXX from tower XXXX When the debt has been discharged via bankruptcy. 

we contacted XXXX XXXX and they did not place the charge off my my credit report. 

Equifax please call XXXX XXXX XXXX at XXXX in the bankruptcy department and she will verify the charge off is not valid see email string and docs attached DO NOT IGNOR escalate TO SUPERVISOR!!!!!! 
No letter. She said she knows the process seems convoluted but the best thing to do is for us to complete Equifax dispute online. In comments section, we can put that we have spoken with XXXX XXXX XXXX at XXXX. Equifax will then forward it to her, likely within a day. She normally gets them anyway as she is the XXXX collections contact. She said no fault on us but there is an existing issue. XXXX recently changed credit card vendors, hence items being re-reported. 

XXXX From : " XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX Subject : RE : XXXX Ok please get to write a letter of removal if she can not then ask her write a letter showing it was part of the bankruptcy and should be removed the bankruptcy has been discharged. We will forward that to Equifax to remove but we need their help Equifax will not investigate they just verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX dob XXXX/XXXX/XXXX
Product: Debt collection

I have received four phone calls today l, two within the same hour, all of which state they are from XXXX XXXX in regards to a loan til payday loan. I have asked them to stop calling each time. I told them they are harassing me. The most recent call I asked for their contact information and they said they don't have to provide that. I said I will be filing a harassment case and they said good luck with that and hung up on me. This agents name was XXXX XXXX, I believe.
Product: Mortgage

I purchase a home for {$560000.00}, I hired a law firm to assist with a loan modificaftion, I entered into the contract and paid {$1200.00}, to start and XXXX a month for almost two years. T servicer is illegally selling my home, Specialized Loan Servicing, paid the law firm {$2800.00}, to turn the paperwork and over the account to them. and SLS set a sales date of XX/XX/2017 and mailed a letter to me, on XX/XX/2017, stating they could n't reveiw the file for a modification, becuase it was less than 30 day to the sale. I have been paying the law for for 2 years. SLS is also not the creditor, but a accounting service for the lender and ca n't force a sal of a property, if they are n't the owner of the debt and/or interset in the property. 
Both SLS and The law firm, comspired together to undermind my interest in the property and to steal, the property from under my ownweship. Racketeering and Fraud, Theft, etc. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. Specialized Loan Servicing XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. My personal information like my name, address, and places I've worked and collections agencies.
Product: Mortgage

Loan Number : # XXXX Nationstar/Mr Cooper Every time I pay towards Principal the company keeps it in Unapplied Funds. This way they keep on earning more interest from their Clients & this has been happening for years. I am sure they make monies in Billions with such a scam. & inspite of Interest rates dropping, they do not change at a convenient time. Can someone look into this matter seriously please
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to U.S Bank but they were no help Thank you.

US BANK HOME MORTGAGE XXXX
Product: Debt collection

Banco popular and XXXX XXXX have a car record in my credit file more than seven years this is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' si
te www.equifaxsecurity2017.com. They have put myself and millions of
others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Checking or savings account

I had opened an account with citizens bank and at the time I hadnt realized that my identity was being compromised. I had received this report from XXXX XXXX and there were some issues that I had. I just need an explanation of what happened. Also they have all the wrong contact info for me. I lost access to that email phone number and I dont live there anymore.
Product: Credit card or prepaid card

I get daily emails from Kohl 's, mostly advertisements and sales related. The only emails I get from XXXX are the monthly statements and privacy notices. I was notified yesterday by my banking app that my credit score dropped XXXX points. I was alarmed and immediately set out to find out what account was delinquent ; it was my Kohl 's card, which I was under the impression had been paid. The Kohl 's app has a section that allows you to pay your Kohl 's card, which is how I usually pay. Every time I try to use the XXXX website, I get told my login is invalid or other error messages and have to reset my password or have the website email me my username, even though I have my login saved. I was trying to log in to see what happened with my account, and was told to call but not readily provided the number to call. I had to go back to the Kohl 's website to find a number to call. The person I spoke with at the call center pulled up my account and could not tell me why I was unable to log in, or provide my username, or explain why my previously scheduled payment went through. I had a screenshot taken during the day I paid, but did not have a screenshot or email confirmation number. She then was told by a supervisor that the website was down for an update and there was nothing more they could do for me at this time. I scheduled a new payment today and confirmed they were able to see it on their end, but they said there was nothing further they could do to help. I tried doing more research and found that amongst the daily emails I get, there was an email with the subject line 'Did you get a tax refund? ' - I had assumed it was advertising, so I hadn't read it previously. Upon opening it, in red letters it says Payment Required - never would I have guessed it was meant as a past due notice. I looked further back in the Kohls emails to see what I had received. I received statements from Kohl 's Card XX/XX/XXXX and XX/XX/XXXX with no emails in between. XX/XX/XXXX was the day the payment was due, which I thought I had already paid. There was no past due notice between XX/XX/XXXX and the statement sent on XX/XX/XXXX made no mention of the account being late or past due. I never received any letters other than advertising. After the phone call, I tried using the online chat and was told they could not help with anything other than removing a late fee- I don't care about the late fee, I care about my credit score that I've worked a decade to build!
Product: Checking or savings account

I believe it was XX/XX/XXXX me and my best friend went down to chase bank that's where my account is we both went in my bff tried to cash her check that was a inheritance and they wouldn't cash it the amount is XXXX well she ended up signing over the check to me inside bank we both showed ids and they deposited the XXXX the check is also from a chase bank well two days later check was cleared and available but when I went to atm it wouldn't let me have any money so I went into branch they said me and her had to go in with IDs again so we did and the fraud department says that never happened and been putting us on a run around the check was cleared back on XX/XX/2022 and they still have myomey and not trying to give any of it back
Product: Credit reporting, credit repair services, or other personal consumer reports

They are allowing illegal reporting of debt that is more than XXXX XXXX XXXX, and allowing dates to be changed to not be removed from report. Also allowing identity theft accounts be reported on credit report. They are allowing and excepting illegal activities to credit reports
Product: Credit reporting or other personal consumer reports

Me and my wife signed a mortgage with XXXX XXXXXXXX in XX/XX/year>. The mortgage was sold to 53rd bank. 53rd sold it to XXXX XXXX. We paid the loan back to XXXX XXXX in XX/XX/year>. ( This was approx XXXX weeks after XXXX XXXX took the loan from 53rd. ) In all three of the attached credit reports the 53rd loan shows open. 53rd is not updating the information and overstating that there is a XXXX loan. 

My credit score is lower than it should be. ( XXXX XXXX by XXXX. ) Please check with 53rd why the do not update information and overstate loans they do not have anymore. 

Thank you!
Product: Mortgage

On XX/XX/2023 I served Cardinal Financial with documents related to a mortgage they formally serviced. Account number : XXXX. I notified Cardinal that the loan was discharged in XXXX  XXXX Bankruptcy in the XXXX XXXX XXXX New York on XX/XX/2023. I also mailed using certified mail, a letter of recession which rescinded my securities interests in the mortgage and demanded payment for the interest that was owed to me as it relates to the mortgage being traded in the securities markets. 

I also notified Cardinal financial that their transfer of the mortgage to XXXX XXXX was illegal because it was initiated and processed after the mortgage was discharged. I also served Cardinal Financial that at the time of the purchase of the property that they were responsible for filing the deed with the county of record. Furthermore, Cardinal was required to file a satisfaction of mortgage once they become aware of the discharge of the mortgage.

Cardinal financial was also served with a 1099a and a 1099c cancellation of debt. However, I continue to receive mortgage statements from XXXX XXXX in reference to the mortgage that was transferred by Cardinal.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting or other personal consumer reports

Despite my documentation indicating their removal, ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are inaccurate accounts persistently appear on my credit report, significantly impacting my credit score. These accounts, which have XXXX balances and have been closed for several years, should be considered canceled debts. The companies involved filed these accounts on their tax returns, yet they continue to report them as debts on my credit report, resulting in an inconsistent and potentially fraudulent situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer reports and noticed that I had several late payments on two accounts that I have never been late paying. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with COMPLETE MAXIMUM ACCURACY. I have never been late on payments for the following accounts : XXXX XXXX - XXXX and XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments inaccuracies be updated to PAID AS AGREED/NEVER LATE as they should be as I was never late. I thank you in advance.
Product: Debt collection

I really have no idea. Where is this that comes from. I believe its XXXX. And I have not had that service in over 10 years. The statute limitations for collection has passed. As I started to clean my credit up. I suddenly got a bill for {$40.00}. They told me to just pay it. And I said I didnt owe it. And now I get aggressive phone calls daily. And the amount is now {$370.00}. This is a sold debt. That can not be collected upon. Because I do not owe XXXX a thing.