23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2020 I sent {$1000.00} to someone on cash app for a security deposit for an apartment. I was in a desperate situation living in a hotel with my child at the time. So i found a realtor online who promised to move me and my kid into a home i sent this person money on cashapp and was scammed. i searched high and low on the app and on XXXX to find a number and could not find one. After reaching out to Cashapp via the app they told me to submit a refund to the person and to submit my claim through the app. I did that and was still out of {$1000.00}. There was no way for me to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
XXXX XXXX XXXX # : XXXX XXXX   XXXX XXXX , NE XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from XXXX XXXX XXXX   that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with trans union to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called Trans Union and asked why it was not deleted as I was informed from XXXX XXXX XXXX   that was the way to do so. Trans Union informed me that they do not do the deletion and that XXXX XXXX has to do the deletion. I then called XXXX XXXX and they said they don't do the deletion on accounts as they only report paid and not paid to Trans Union. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.
Product: Checking or savings account

I have been offered a " work study job '' sent to my school email talking about helping a person make payments on his behalf on XX/XX/2021. This is that email. 

XXXX You were referred with 10 other students from the XXXX XXXX XXXX XXXX XXXX to work and study for {$400.00} weekly, XXXX XXXX and XXXX XXXX looking for you to fill up this available position! 
If interested, kindly send your phone Number and personal email address for better communication for more details also needed. 

Regards , XXXX XXXX XXXX This person then sent me this. 

I work as a XXXX XXXX for the department of XXXX XXXX and XXXX XXXX ( XXXX ). I provide individual and group therapy, coaching, assessment and academic screenings to support students with XXXX ( XXXX, XXXX, XXXX, and XXXX ) registered with ( XXXX ). A large percentage of the students served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need XXXX health support to be successful at the university. 

Guideline & Benefit as follow : **Weekly payment {$400.00}. 
**6-8 hours weekly ***Instruction on the first task will be sent via email. 
**You will only help me Mail letters, make payments at XXXX and purchase some Items when needed. 
Provide me with the following details below to Apply : Full Name : Full Address : Apartment number : Current Occupation ( If Any ) : Gender : AVAILABILITY : How often do you check your email daily___________? 

I look forward to a long-lasting working relationship. 
/ Sincerely , XXXX XXXX XXXX fell for this and did it. I was told to buy business check paper and print out a check that was emailed to me. I then was told to make payments through XXXX to emails I was not sure about. There was 5 total. 

4 Through XXXX connected to BB & T XX/XX/2021 of {$350.00} through XXXX XX/XX/2021 of {$500.00} through XXXX XX/XX/2021 of {$350.00} through XXXX connected to my bank XX/XX/2021 of {$300.00} through XXXX XX/XX/2021 of {$400.00} through XXXX Total of {$1900.00} I then realized that this job does not match up with the job description and I copy and paste the email into XXXX and found multiple websites with the exact same email with different names saying it is a scam. I have contacted BB & T ( my bank ), XXXX, and XXXX and I am unsure if I can reverse the amount since I authorized the payment on my behalf. I have included the emails and some screenshots of the text and can send more.
Product: Student loan

Direct loan XXXX XX/XX/XXXX Payment {$2700.00} Outstanding balance/overpayment - {$2.00} Request via email to credit overpayment to the sole outstanding Loan XXXX and update my account to reflect paid in full : Tue XX/XX/XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX Thu XX/XX/XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX Fri, XX/XX/XXXX, XXXX I also called twice during this time hoping speaking with someone would resolve the issue, but I do not have those dates. 

I want to make the final payment on my sole outstanding loan and close out all of my student loans. I do not trust EDFinancial to administer them correctly as they still have not applied the small overpayment to the outstanding account, and they have not updated the status of the loan already paid in full to be fully paid. 

Your assistance woudl be greatly appreciated
Product: Credit reporting

This is my 3rd attempt to get resolution for deceptive practices of a company the FTC sued called XXXX XXXX AKA XXXX through the Credit Bureau Trans Union. They concluded their investigation and left both entries on my credit report and I have tried since XXXX to get this resolved. This is criminal to put duplicate accounts on my credit report and to make it appear as tough I have double the debt with this company who was sued by the FTC and to allow this to continue is really unethical and I am prepared to take this to every news media at this point because I have no help. Trans Union first denied receiving the initial dispute in XXXX XXXX, then when I filed a complaint with CFPB they alleged I had never disputed although I provided proof of the dispute. I then waited 30 days for them to address my complaint ONLY for them to leave both entries on my credit report after it was clear that this was impossible to have XXXX accounts with outstanding balances matching for the the same company XXXX. This is another attempt for XXXX aka XXXX to defraud consumers through the credit reporting and I would like to escalate this deceptive practice to the highest extent of the law! Trans Union 's investigation could not have found I have XXXX separate accounts so now they labeled both accounts with the same information but from a creditors standpoint this is like I owe {$46000.00} as opposed to {$23000.00} and is affecting my credit score overall. Please see attached documentation that confirms TransUnion did nothing except contact the fraudulent company and no other investigation as to why I have both listed on my credit report when I only had XXXX loan with the company that was sued for this very thing! Please see all XXXX pages of the attached pdf TransUnion left XXXX entries on my credit report and I do n't believe they can legally ruin my credit with this fraudulent company. This was a predatory loan to start that has now turned into I owe them more than my house!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for several credit cards without his consent. An application was submitted to American Express ; while the application was declined and no account established, the fraudulent related inquiry was made into his XXXX credit report. An official dispute of this application and inquiry was sent to American Express XX/XX/2018 however as of this date American Express has failed to reply which is a violation of federal consumer law.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS. 
XXXX XXXX  Account Number : XXXX XX/XX/year> {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I entered my local XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX to send cash through XXXX to pay the XXXX XXXX. I purchased a XXXX cash transfer for {$5700.00} ( one for {$5000.00} and the other for {$700.00} ). I received a XXXX receipts for the transactions ( attached ). I then called the XXXX XXXX to verify the receipt of the funds. XXXX confirmed the funds were not received. I called XXXX to verify transfer of the funds. I was told by XXXX that the reference number on the receipt did not belong to XXXX. I went back to the XXXX on XX/XX/XXXX to inquire about my transaction and discovered that the XXXX Associate had completed a Checkfree Pay transaction instead of my requested XXXX transaction. The associate called checkfree pay and was told that XXXX would receive the funds on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX and was told that no payments were made to my account, and again told they do not recognize checkfree pay as an authorized form of payment. On the same day I did a conference call between XXXX and checkfree pay during which the XXXX representative informed checkfreepay that no monies were received and that he never heard of them. After hanging up the checkfree rep informs me that he will start an investigation ticket that will take up to 14 days. On XX/XX/XXXX I called XXXX again to check on the payment and told again no payments have been posted. On a second call the same day XXXX asked that I get a tracking number for the transaction so that they can trace the funds. I called checkfree again for the tracking number and told that they do not use tracking numbers, just the reference number found on the XXXX receipt. I told him that all electronic money transactions can be traced after which he gave a trace number XXXX XXXX XXXX,. I called XXXX and gave them the trace number. XXXX has promised to get back to me by tomorrow XX/XX/XXXX to update me on their investigation. XXXX and Checkfree both claim 24 hour transfer of funds and it is now 6 days later and {$5700.00} is in black space. I am without my vehicle to go to work and I am accumulating fees for non-payment. I have spoken to managers in the XXXX corporate headquarters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without return of my funds. I have been in contact with checkfree everyday from XX/XX/XXXX -XX/XX/XXXX ( except Sat and Sun ). Checkfree Pay continues to tell me that XXXX accepts payment from them all the time and that they receive calls from XXXX on a daily basis to verify payment, which completely contradicts what XXXX says.
Product: Credit card

In XX/XX/XXXX my credit card was reported over the spending limit and i lost XXXX points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in XX/XX/XXXX at all and had to update that information on XX/XX/XXXX. Im truly upset and surprise that a company could do this and nothing be done to fix my problem ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx XXXX XXXX ( XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

~I am a victim of identity theft. A forensic audit shows an identity thief used my personal information without permission to create mutual fund investment account securities violating the Privacy Act 1974. 
I have enclosed : 1 ) proof of my dispute letter to Rushmore Loan Management Services, LLC. 2 ) My Federal Trade Commission Identity Theft Report. 3 ) A copy attached the police report case # XXXX I filed with the XXXX Police department. In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, ALL TRUSTEE SALES, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft and to stop and correct. 
Stop and Correct ~ : Title~42 : USCS~1986 Knowledge and Stop-Correct-Wrong.
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. 


XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/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 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.
Product: Checking or savings account

Identity Theft 14 Fraudkent Addresses 2 THEFT REPORTS FOR BOUNCED CHECKS FRAUDULENT ADDRESSES MULTIPLE SS NUMBERS ON CONSUMER REPORTS FILED DISPUTES AND VERIFIED ALL ACCOUNTS ON MY CONSUMER REPORTS. 

Chexsystems HOWEVER IS BEING DIFFICULT. THEY WILL NOT UPDATE MY REPORT. THIS PROCESS STARTED ON XX/XX/2020. I HAVE BEEN STRUGGLING FOR 27 months with homelessness. I just got my credit to where I could get an apartment because of the damage they did to my reports. 

I need assistance with getting my report updated. I have filed all reports and notices. I have submitted all proof. The proof I am submitting today to you is minimal from what I have. 

Thank you 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 though your company claims to has verified these. 

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 Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, 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 creditor/CA 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. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was sold to Roundpoint Mtg. It was already impounded. I received some letters regarding my insurance but I did not respond since my account was impounded and they make the payment for me. Roundpoint needed the declaration page of my insurance to make the insurance payment. They had the insurance information ( who my insurance company was etc ) so I assumed they would call the insurance company. My insurance company had not ever changed. Roundpoint didnt call the insurance company and they didn't call me. Roundpoint did nothing and let my homeowner 's insurance lapse and then force placed their own insurance on my loan. This force placed insurance only covers my dwelling, not any contents of my home. I also live in a very high wild fire area, so now my property is at risk. My previous insurance was at a good premium because I was grandfathered in. Since the insurance lapsed, I had to look for other insurance and consequently have to pay and additional {$1600.00} per year now for the new insurance. I have requested that Roundpoint close my escrow account and I will pay my own taxes and insurance. I do not trust them to pay my insurance for me. This could all be avoided if they would have simply called the insurance company themselves and got the information needed. They said they will not closed my impound account because I had a lapse in my insurance! A lapse they caused! They can't close the impound account until they receive my new insurance information, which I am in the process of doing right now. Then my request to close my impound account will need to be reviewed. I want to be assured my request will be granted since this all could have been avoided if they had only called the insurance company.
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 : address fraud on their platform, leaving m, 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 or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Credit card or prepaid card

Last year shortly after opening the line of credit, I made a payment and then I was hounded several times a day by the company for another payment before it was due. I told them it was a violation and to never call me again over any payment issues. Today they called me 5 times between XXXX XXXX and XXXX XXXX. They already sent me a statement showing my bill is not due until XX/XX/. They do not verify 3 pieces of information before discussing personal information, and they have zero regard for federal regulations.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I checked my credit report and noticed fraudulent inquiries reporting on my credit report. I have contacted Experian and XXXX multiple times to get these inquiries removed and nothing was done. 

According to 15 USC 1681 s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 was marked as late on my credit report. However in XXXX of XX/XX/XXXX I had called Capital One in regards to be furloughed due to Covid they advised I wouldn't be charged a late fee and I made other arrangements for payment. However come XXXX I was billed a late fee and I had to call and have it credited. They were able to credit the account but still reported my account as late. I have called them several times but was told they are unable to help.
Product: Mortgage

XX/XX/year> a new Escrow Audit changed the Escrow amount only, which resulted in a changed total payment amount. Principal and interest payments after XX/XX/year> were timely, however excluded the additional Escrow amount as payer was unaware of the change. The Escrow account maintained a positive balance and no liability was incurred. Mortgage servicer held the timely payments in " suspension '' as " incomplete '' and did not apply any of the payment to XXXX XXXX XXXX, and charged late fees. Subsequent months payments included the additional Escrow amount ; however, mortgage servicer applied a part of subsequent payments to the previous " suspension '' payment in order to complete the previous months total payment, and then held the current payment in " suspension '' as " incomplete '' and did not allocate to XXXX XXXX XXXX and charged late fees. This procedure was not disclosed to the payer as the statements both paper and online showed on-time payments and no change in total amount due, only positive Escrow balance and increasing late fees. This is a deceptive and hidden practice to increase late fees without any loss of payment or incurred escrow liability. 

XXXX XXXX