23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX, as I was performing a payment audit on my California Department of Child Support Services ( CDCSS ) account, I discovered 24 payments totaling {$1100.00} that were sent to a Bank of America ( BofA ) Electronic Payment Card in XXXX. Upon further investigation, BofA states that the account was never activated, and that {$0.00} was sent to California State Controllers Office, which I have since claimed. After further investigation into the missing {$1600.00}, BofA informs me that they do not keep  records for more than 7 years, so there is no way to find out what they did with my funds. 

Fact : {$1100.00} was deposited between XX/XX/XXXX and XX/XX/XXXX Fact : I never received a card ; therefore, it was never activated ; therefore, I never accessed any funds. 
Fact : BofA closed my account, but only sent {$0.00} of the {$1100.00} deposited. 
Fact : I claimed {$0.00} from California State Unclaimed Property Fact : {$1100.00} is missing and I want Bof A to pay me immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid the XXXX  account off and it was suppose ti be deleted. its still showing on my 2 reports and i can not buy a house until it get fixed and mty wife is XXXX  months XXXX. i will attch the settlement letter for tur viewing.
Product: Credit card or prepaid card

I purchased a netspend card on XX/XX/XXXX. I was unable to activate it and after speaking with customer service, was told a refund must be issued, as they would not allow me to use the card. I tried to call back a few days later to update information for the refund check ( we had recently moved ), but was, and still am, unable to speak with customer service because netspend blocks speaking to a representative if the card number or social security number are not recognized in their system. 

I contacted their corporate office, and received a call back with clear instructions on how to request a refund check via email. on XX/XX/XXXX I emailed the required documents with proof of purchase to netspend requesting the refund. I received an automated email, but no response from a real person. To date I have not received my check, or even a status on if/when the check will be sent. I have attempted to call customer service ( blocked ), corporate office ( no response ), and customer service and documents dept ( where the XX/XX/XXXX email was sent ). netspend has either stated I must call customer service ( blocked ), or has not responded at all, or has asked for an account number, but refuses to clarify what that means ( I only have a card, no account ). 

I have exhausted my options, and feel like I'm in a loop with the one form of contact who does respond. I don't think a customer service department should block callers who need help, or that a company should be able to withhold a refund because of a poorly implemented contact system where they consistently fail to respond. 


XXXX, XXXX XXXX
Product: Student loan

On XX/XX/XXXX I sent ACS a certified letter to validate an account. The letter was received and signed for on XX/XX/XXXX. After 30 days and still no response a second certified letter was sent on XX/XX/XXXX stating that I did not receive a response and that they were non compliant with federal laws under the FDCPA and FCRA. On XX/XX/XXXX the certified letter was received and signed for and I have yet to get a response from ACS in reference to both letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is for a total of XXXX, which was originally from an allegation in XXXX. It was sent to collections and was removed under and agency called, XXXX XXXX ( officially on my credit report XX/XX/XXXX ). Then they transferred this claim to another collection agency after it was removed, enhanced recovery company. It is the same state and city, just different P.O. Boxes. Then they fraudulently are making it seem it it from recent incident and dinged my credit XX/XX/XXXX. They have been saying I havent made payments every month and reporting, there is no monthly payments I agree to and this is not from this year. This is XXXX. Then I report it to XXXX who closed it in days and says this collection agency is right. How is that true when dates are not accurate nor is this monthly payment it is trying to falsify and affecting my credit every month. I am outraged how poorly this was handled. This should be taken off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by XXXX. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the Chex System of XXXX XXXX XXXX XXXX.i
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, the company received {>= $1,000,000} on my behalf and was supposed to forward it to me. They converted it to their personal use. They do not deny this. They have slowly been making partial payments.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I took out a few cash advances about 5 years ago and paid them right back with in days. I used the cash advance to assist my sister in her new business, to meet payroll. She gave me the money right back and I put it back to the credit card and told them it was a cash advance payback. How are they still able to charge me interest on those advances, to the tune of {$67.00} a month for the past five or m ore years?      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XXXX XXXX, 2022 Equifax dropped my score by XXXX points after getting a credit limit increase and decreasing my balance by {$15.00} reported by XXXX XXXX - XXXX XXXX. I sent a dispute letter to Equifax concerning the matter. Please help with this unreasonable way of score dropping where the law states otherwise, which I included in my dispute letter. Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the account as past due and the foreclosure sale happened in XX/XX/XXXX. The property sold at sheriff sale for {$230000.00} and the balance due to the lender Mortgage Center was {$160000.00}. I received the difference plus {$7500.00} from buyer for immediate access ( see attached ). In spite of repeated letter and emails to the Mortgage Center the account continues to report incorrectly on my XXXX credit report. XXXX does not report XXXX and XXXX stopped reporting activity in XX/XX/XXXX. 

Back Story My XXXX  year marriage ended in XX/XX/XXXX. In the divorce I received the marital property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time the XXXX mortgage was with the Mortgage XXXX in the amount of {$170000.00} in my name alone and entirely my responsibility. 

Unfortunately there was also a second mortgage in my ex husband name only with XXXX  XXXX XXXX for around $ XXXX which he used for business. Although he was ordered by the court to continue to make payments on that second mortgage, in XX/XX/XXXX I learned that the second was in default and that he had completely stopped making payments. Because of fear of foreclosure and also becoming homeless with my XXXX children, I chose to protect my family and purchased another home in XX/XX/XXXX. When I moved I was able to find a tenant to lease the home for $ XXXX month for 12 months which allowed me to cover the mortgage, tax payments, and insurance. Once they moved out and the property taxes went up to non-homestead rates I could no longer afford to continue to make payments on the home. 

I was also unable to sell it because of the second lien which was my ex husband 's responsibility. I had no other option than to allow it to foreclose to settle my debt.
Product: Credit reporting or other personal consumer reports

I'm contacting you to inform you that I've experienced identity theft. This message is an official dispute regarding this account. I've followed the instructions from the involved companies and taken appropriate actions to rectify the situation. I've reported the identity theft to the FTC and contacted each affected company directly to dispute the erroneous information. I would appreciate your assistance in resolving this issue. 

XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Mohela Department of ED on my Credit Report in which I am not familiar with
Product: Checking or savings account

( 6 ) Fraudulent charges ( totaling {$1500.00} ) were made to my Capital One, N.A checking account via Debit Card on XX/XX/XXXX. After seeing charges I immediately canceled my Debit Card and informed Capital One of the fraudulent charges. I disputed the charges once posted to my account and was issued a provisional credit pending determination of claim. On XX/XX/XXXX, I received a form letter from the Bank denying my claim and the money with be withdrawn from my account on XX/XX/XXXX. I have opened an appeal of the denial with Capital One Bank. No person had every contacted me to discuss my original claim to make a determination. Furthermore, I have never lost possession of my Debit Card, nor authorized any person to use it. Capital One had sent a new debit card ( that I had not authorized ) via USPS to me to replace my debit card that was set to expire on XX/XX/XXXX. This card was sent before these fraudulent charges occurred. I have never received this card. I believe this card was intercepted, fraudulently activated, and used to make fraudulent purchases. I have complained of the missing/ activated card several times to Capital One when I complained of the fraudulent charges and, up until my last call to dispute their denial of claim, it was never noted on my account. I have asked several times for a person making the determination of my claim to contact me and no person has. I am further making a complaint for malfeasance and gross business practices for sending a replacement card without my authorization, letting said card be activated for use for credit purchases without my authorization, and, when fraud was reported and claim for re-imbursement was made, not contacting me to discuss what my complaint before making a determination. I have appealed my denial with Capital One Bank and have a claim number. I have also made a complaint to my local Police Dept. and with the XXXX XXXX XXXX Division of Financial Services in regards to the fraudulent charges.
Product: Mortgage

We refinanced our FHA loan from XXXX to Lakeview ( The XXXX XXXX XXXX ) sometime XX/XX/XXXX. We opted for the same type of loan, FHA. In our Closing Disclosure, we opted to have the Home Insurance and HOA excluded in escrow. But, last XX/XX/XXXX, XXXX started paying our Home Insurance to XXXX, After several attempt to contact someone about the issue, XXXX   advised me to email a copy of Loan DIsclosure to them. A copy of Closing Disclosure was emailed on XX/XX/XXXX and they assigned a ticket number ending in XXXX. 

On XX/XX/XXXX, XXXX affirmed that my request to remove the Home Insurance from my Escrow has been forwarded to Escrow and they marked my issue Resolved. 

On XX/XX/XXXX, we received a letter from Lakeview denying our request to waive Escrow. We did not request to waive Escrow. We requested to exclude Home Insurance from our escrow. 

I restarted the painful experience of talking to XXXX, this time, they claim that they can not remove the Home Insurance from Escrow as it it required by FHA.

To our dismay, we have been paying the Home Insurance ever since we financed the property from XXXX XXXX. 

Our patience is drained and totally helpless, despite of our Closing Disclosure. We feel that XXXX is giving us wrong information, run arounds, or LakeView deceived us to refinanced.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN. 
I am writing to let you know that I recently received a copy of my credit report that your company publishes. I have disputed before and you all failed to block/delete and provide proof of validation for these accounts that do not belong to me. 
Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All the accounts are not mine and I am a victim of identity theft. Please respond within the time allotted to the FCRA for identity theft laws. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, containing XXXX fields, which summarized the data submitted to your bureau specific to my file. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XXXX in Transunion and XX/XX/XXXX in XXXX..this is wrond ... and the Date last active XXXX in Transunion and XX/XX/XXXX in XXXX XXXX .this is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXXXXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Debt collection

I had a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. David B. Schumacher , PC,  Attorney at Law, XXXX , OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. David B. Schumacher, PC, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XX/XX/XXXX or XX/XX/XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws
Product: Debt collection

PHYSICIANS AND DENTISTS CREDIT BUREAU , INC. dba P & D COLLECTION SERVICES  did not send me a bill. I had been waiting for it so I could pay it because it never should have gone to collections in the first place ( XXXX  sent balance to collections while we were fighting with our insurance after we were told they would hold the bills for us ). When I finally got a call from a " bill collector '' over a year later they said their company name incoherently so I could not look them up to see if it was a legitimate company. I still called them back and no one answered. Speaking unclearly, and not answering at a collections company are red flags for a scam yet I still left my name and number for them to call me back in case it was this bill I had been waiting for. They called me back multiple times but only while I was working and unable to take a personal call. Even if we'd spoken on the phone, I would not have given them money over the phone, I know not to do that. I never got anything in the mail and XXXX years later they are suing me and asking interest and attorney fees when I never even got an address to send a payment to. A company half a mile down the road from my residence can verify they've returned stolen mail from the homeless encampment behind their business, I have at least the last XXXX years worth of USPS informed delivery emails, and I now have a locking mailbox. So I will say there is a slight chance they sent me something in the window before I started the informed delivery emails but if they didn't send me anything in the last XXXX years, it seems ridiculous that they could charge so much in interest and attorney fees when they wouldn't even pay {$7.00} for a certified letter with a return receipt to ensure I received the bill. How much did it cost them to get an attorney to draw up paperwork and file this with the court and send someone to my house to deliver the complaint and summons? Logically, you should start with spending the least amount to ensure delivery of the bill because this would have been paid XXXX years ago. Also, if I called and left a voicemail, confirming you have the right person and phone number, leave more information when you call and leave another voicemail so I know you are a legitimate company. Validation information. Anything so I know it's not a scam. Give me a website, an amount, the provider name that we owed money to. I genuinely want to pay my bill and I still don't know how.
Product: Credit reporting or other personal consumer reports

I am writing as a follow-up to my previous correspondence disputing inaccuracies in my credit report, specifically regarding accounts erroneously marked as included in bankruptcy and accounts reflecting incorrect late payment histories. To date, I have not received a substantive response addressing my concerns, nor have the requested corrections been made. The continued misrepresentation of these accounts constitutes a failure to uphold the investigatory and reporting standards mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Failure to Adhere to FCRA Standards I am compelled to question the thoroughness and integrity of the verification process conducted in response to my dispute. In accordance with 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information. Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the accuracy of the information provided by the furnishers? Did the furnishers supply documented evidence substantiating their reporting? 2.Compliance with FCRA Requirements : The FCRA mandates that consumer reporting agencies ensure maximum Hide full complaint possible accuracy in credit files. Why has demonstrably false information remained on my report? 3.Deficiency in Investigation : The failure to rectify these errors suggests an overreliance on creditor-furnished data without independent verification. How does your bureau ensure compliance with the investigative obligations set forth under Cushman v. TransUnion Corp. ( 1997 ) and similar case law? Immediate Corrective Actions Required To resolve these discrepancies and restore the integrity of my credit file, I demand the following actions : XXXX - XXXX XXXX XXXX & Bankruptcy XXXX XXXX Discharged Reference : XXXX
Product: Debt collection

Rent recovery solutions has violated me pursuant to the FDCPA. 
Rent recovery solutions needs to stop illegal reporting negative activity to ALL consumer reporting agencies. 
I have asked Rent recovery solution to stop ALL communication through medium only via mail. Also including reporting to the consumer reporting agencies and they are still doing so Ive attached the letter ( Exhibit A ) and have their response attached. I never asked for any documentations, I demand per title 15 USC 1692 ( c ) ( c ) them to stop all communication to ANY mediums!