23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As part of a time-share purchase, XXXX in XXXX XXXX accepted our XXXX XXXX timeshare in XXXX XXXX as a trade-in. XXXX XXXX handled the transfer of ownership and sent confirmation that the transfer of ownership took place on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, we received a collections letter from Meragon Financial Services, claiming that we owed {$8000.00} to XXXX for maintenance fees and fines. I disputed this on the phone, by mail, and by fax, sending Meragon the confirmation of transfer of ownership letter. They still persisted in calling and sending collections, threatening to report the unpaid debt to credit bureaus. I requested the exact information received from XXXX claiming I owed this debt. They sent one paper with the dues I paid under my contract number and a second paper with a different contract number listing unpaid and late payments. I confirmed with XXXX that this contract was not mine, but when I related this to Meridian, they continued in rudeness and threats. There is no debt. There is no paperwork validating that I owe a debt. I received no bills or notices of fines from XXXX. Meridian claims that these were sent regularly to me. XXXX XXXX called XXXX accounting, spoke with XXXX XXXX, who stated that the ownership was transferred, but since the new owners did not pay the maintenance, XXXX put the timeshare back into my name. He denied this when I talked to him and refused to talk anymore, referring me to the collections agency. We hired an attorney, explained all this to him and faxed him all the paperwork. After 6 months, he sent me a notice that we were no longer owners of XXXX, but he put the effective date as XXXX of this year! He says he is not responsible for any credit problems we may have. I intend to continue corresponding with him until I either get my money back ( {$950.00}. ) or sue him. Help! We relied on XXXX XXXX, who claims they are not responsible. We relied on XXXX XXXX, who claim they are not responsible. We relied on XXXX, who claims he is not responsible. How are we responsible for a transaction we are not licensed to perform on our own when we are informed that the transaction has been completed? We have been blind-sided by this. Now we find that XXXX has dinged us for XXXX unpaid debts from Meridian Finance, all opened XXXX XXXX, XXXX, totaling {$8000.00}, lowering my credit score more than XXXX points! It should be XXXX, but it 's XXXX!
Product: Money transfer, virtual currency, or money service

I used a money transfer service called Remitly and for the second time they state that the transaction Im doing is not or can not be completed but they have already taken the money out of my bank account Ive tried to reach them by phone via email text and XXXX  and they are not responding. They are responding to some people on their XXXX Asking them to send a private message but there is no other follow up to say that the problem was resolved. at this point I can not reach the company anyways phone text chat or email. They have XXXX dollars if they are holding until I can provide the more information but I can not reach them to do so they are not releasing the funds because I can not reach them I was able to reach them before but not anymore I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I didn't do XXXX  XXXX XXXX XXXX XXXXXXXX XXXX dual card
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX child 's online surveillance monitoring report through Experian showed compromised SSN. I am unable to run a credit report for her due to her age through any of the 3 credit reporting companies to assist in if this compromise should require legal actions.
Product: Credit reporting or other personal consumer reports

i was a victim of Identity thief, which cause my consumer report to drastically effected. I went from an XXXX XXXX Score to a XXXX in my attempt to clean up the mess made, i came to realized that there were many inaccurate information in my consumer report. As is expect base on the law 15 USC 1681 ( a ) ( 4 ) TO insure that the consumer reporting agencies exercise their grave responsibility with fairness. i sent the accurate information along with expected identification and documents ( Drivers license, Utility bill ) to prove that I am the natural consumer submitting this request. 
After XXXX weeks i received a letter from the agency ( XXXX stating that the information that they have does not match and requested that send the very identification that was sent with the first letter, i believe that they are Violating my rights. i have sent another letter and have heard nothing yet
Product: Credit reporting

Recently XXXX inquires were removed from my credit report with Transunion as of XXXX XXXX 2016 I had XXXX inquires with a credit score of XXXX on XXXX XXXX 2016 they added XXXX inquires on my report I have not inquired recently about anything until today which should have been XXXX inquiy to XXXX. Also I filed a dispute about XXXX and the report was removed for my file as XXXX bal paid as agreed. It was just again recently added back to my account after fighting with these accounts for sometime. It has been well over 30 days the results show expired and others show that nothing was never done. I have received no notification of any kind in over XXXX days
Product: Credit card

On XXXX, I contacted Bank of America Credit Card customer service regarding {$420.00} noted a 'Credit balance Refund debit ' on my credit card statement ( ending in XXXX ). After speaking with the representative, I was informed the {$420.00} was automatically deemed an overpayment and a check ( in that amount ) was in the processed to be mailed out to me. I informed the representative that I did not want a check, instead wanted that {$420.00} applied to my credit card account as I had pending transactions on the account. I was informed that this request would be honored within 10 days. On XXXX, I contacted Bank of America Credit card customer service to follow-up on this request. After speaking with XXXX ( who identified herself as a manager ) I was rudely informed, " You could have had it by now if you would have not stopped the check. Now, we have to research it, we have to research everything, even if you don't think so. '' XXXX refused to allow me to speak with another member of management. On XXXX, I called to request the {$420.00}, be placed in my Bank of America checking account. I was informed that it would be deposited on XXXX. I called on XXXX and spoke with manager, XXXX, who informed me it could take up to 30 days. I was also informed my request has been escalated on XXXX. As a loyal customer of BOA for over 26 years, I expect more efficient customer service. The {$420.00}, is money I've paid as a diligent customer who strives to pay bills on time. During these difficult financial times, {$420.00} can truly make a difference in my life. I truly appreciate your assistance in this most stressful situation.
Product: Checking or savings account

bank allowed fraud to happen, gave funds out to total strangers after wife had all cards cancelled, after cards were canceled and account wasnt touched an overdraft fee occured. when i got payed they took all of my check ( meant for rent ), except for XXXX XXXX, they also said they were cutting ties with usafter all cards were canceled.
Product: Mortgage

CCO Mortgage is purchasing flood insurance significantly beyond that required by the document we signed when we got the loan and charging our escrow account for it. I tried talking to customer service, the CCO legal department and submitting a CFPB complaint but they have not acknowledged the referenced legal document we signed at closing. My original complaint was that CCO is purchasing additional insurance beyond what we agreed but CCO did not address or acknowledge the agreement much less indicate why they believe the legal agreement no longer applies. Therefore I am submitting this complaint hoping that they will actually address the agreement that they are and have been ignoring.
Product: Checking or savings account

Hi, I need to submit a dispute for 6 transactions made with my debit card ending in XXXX. 
My account was closed without any communication or advice so I cant access to my online banking to see the exact amount in dollars and posted date. 

1. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX must be delivered on XX/XX/XXXX XXXX. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX must be delivered on XX/XX/XXXX 3. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX home theater sound system, must be delivered on XX/XX/XXXX 4. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX home theater sound system, must be delivered on XX/XX/XXXX 5. Transaction date XX/XX/2022, International currency XXXX, Laptop XXXX XXXX must be delivered on XX/XX/XXXX 6. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX, must be delivered on XX/XX/XXXX I tried to contact the merchant several times by phone and emails, but they never answered.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against XXXX, Experian and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Dear Sir/Madam, I requested a detailed verification letter for the debt that the Recovery Portfolio Associates LLC is claiming to be mine. 
The letter by mail was send to XXXX well as online verification form on their website was submitted on the XXXX of XX/XX/2022 and I still did not received the response. Today is XX/XX/2022. Under Fair Debt Collection act I'm entitled to received the notice within 10 days! 
See the letter below! 
This letter is sent in response to a letter I received. 
I'm requesting that you provide verification of the debt you mentioned. Please send the following information : The name and the address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent.

Please also forward details about your authority to collect this debt, Whether you are licensed in my state and if so provide the date of the license, name of the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
After all that has been done, it's clear to me that the company is a scam!
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 proce 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 18 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On or about XX/XX/2022 I was looking at my credit report and noticed a collections account open on my report from a company called XXXX XXXX XXXX with an amount of {$1300.00}. I have never dealt with or have any knowledge of ever doing business with this company nor has anyone been in contact with me in regards to this collection account. I believe someone has fraudulently taken out credit in my name without my consent. I have called and spoken with a gentleman on XX/XX/XXXX from XXXX XXXX XXXX and he took down my information but, has never reached back out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of 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. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Experian : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and Equifax and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
Product: Mortgage

On XX/XX/2020, I closed on the refinancing of my house with PennyMac Loan Service, LLC. On the closing disclosure signed that day, I was due to receive {$630.00} and the payment would be disbursed on XX/XX/2020. I was informed several days after closing that I owed money. Then was told a day later that I didn't owe money -- that they had been in error -- and that I would receive a lender credit of {$630.00} and the payment would now be disbursed on XX/XX/2020. 

On XX/XX/2020, a post-closing disclosure was sent, and it had me only receiving {$0.00} cents. This disclosure was never agreed to or signed by me. The payoff was sent that day to my current provider PennyMac Loan Services ( yes, same company -- they are were the current servicer of my loan ). When called Penny Mac to find out what happened, I was told by XXXX XXXX ( my loan specialist )  that again an error was made on their part and that I would be issued a lender credit of {$630.00}. 

For several weeks now, since XX/XX/2020 ), I have spoken with Ms. XXXX and emailed her 14 times since XX/XX/XXXX and this has still not been resolved -- the title company never sent me a check. 

Today ( XX/XX/2020 ), she told me to call the title company ( XXXX XXXX XXXX XXXX ) and I did. They said that they did not receive the {$630.00} and that they only sent a check for what was listed on the post closing disclosure ( never agreed to or signed by me ). She ( Penny Mac ) knows full well that the money was not sent and once again she is not responding to me asking why that money was not sent. I could go on and on about my troubles getting in touch with them, having them respond to me and never giving me a straight answer. 

Separately, I never signed a document or verbally agreed to permit with PennyMac Loan Services the escrow account of on my previous loan ( {$3200.00} ) to be used to pay off that loan. However, without my knowledge or approval PennyMac Loan Services went ahead and used this money to pay off the balance on the loan. I spent several hours on the phone with the refinance side and the service side only to be told there was nothing I could do about it.
Product: Debt collection

My complaint is with FCR Services, which is being used to collect a debt I owe to XXXX XXXX. I rented a vehicle with XXXX on XX/XX/22 - XX/XX/22. After returning the vehicle, I had a small balance owed of {$41.00} for gas refilling. I was unable to pay this right away, and was planning to pay within a couple weeks. However, XXXX sent my account to Collections on XX/XX/22 - not even 10 days after I returned the vehicle! And now, FCR is charging me an additional {$50.00} in collection fees, for a total of {$91.00}. Everything about this screams unfair and abusive. The fees are more than the original balance owed, and XXXX did not give me nearly enough time to settle my debt with them before sending me to collections, causing possible harm to my credit report and putting an unjust financial burden on me.
Product: Debt collection

I can see a collection have been filed on my credit card, I don't know which credit card is this and I Don't see any installment payment option. I work part time and pay my rent, bills. I can not afford one time payment. I need an installment payment option as low as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report to remove negative information from my credit report with Experian. XXXX and XXXX have removed all incorrect information without issue. However, Experian has refused to remove information even when provided with letters from the debt companies stating the information is not mine. Experian does not follow FCRA and they do not verify information that they report. They do not work in the best interest of the consumer and they consistently allow negative information to remain on your credit report without investigating that information. Dispute Letters Sent XXXX XXXX, 2017, XXXX XXXX, 2017, and XXXX XXXX, 2017. Accounts disputed were : XXXX XXXX XXXX Acct : XXXX {$860.00}, XXXX XXXX Acct : XXXX {$810.00} XXXX XXXX XXXX : Accounts XXXX, XXXX, and XXXX I can provide copy of letters sent upon request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 state a c onsumer replorting agency can not finish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a pre employment background check the company Accurate, ran a background check on XX/XX/2021. On the XXXX it was completed and sent to the employer I believe. The background report stated there was an active warrent. The XXXX was XXXX XXXX  so I was unable to verify it this was indeed true. On the XXXX I was able to go to the municipal court and validate this information. There is NOT a current warrent a new courtdate was reappointed for the case. I have documentation of that
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts for me to correct my Credit File by having the disputed accounts and information removed from my Credit File, the Credit Bureaus have been ignoring all my requests. I am submitting this CFPB complaint to follow up my previous CFPB complaint I submitted on October 6, 2022, requesting the removal of the fraudulent accounts and information completely from my Credit File. How many dispute letters and CFPB complaints do i have to send to the Credit Reporting agencies foe them to pay attention on my Credit File a d correct it? I grew tired of sending requests and I am taking legal advise and ready to file a lawsuit against the Credit Reporting Agencies. Under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. But no matter how hard I try, the Credit Reporting Agencies have been persistent in claiming that the Disputed items belong to me and yet they have not sent me any copies of proof of verification or any documents bearing my signature to prove that it is I who own these accounts. Me and my legal counsel is almost done and ready anytime to file the lawsuit that we have been preparing. In the event the Credit Bureaus do not comply with the requests and still continue their erroneous reporting, please prepare for lawsuit. Once again, I need the following account removed from my Credit File as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX