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

Square merchant services ; XXXX XXXX XXXX XXXX was closed on XX/XX/2022 for non compliance activities which were not clear to me. Funds in excess of {$1800.00} was held up in my account and was supposed to be held between XXXX days. On XX/XX/XXXX, an aggrieved customer disputed a transaction of {$740.00} which after submitting documents to support the transaction, it was ruled in my favor by the disputing bank. After this clear satisfaction, I have asked Square to release this funds as there is no justification for a continuing hold unless there are trying to trade with my money.
Product: Debt collection

I am trying to obtain Parent/Student Loans for my XXXX sons entering college this fall. I was DENIED because TSI has a hold on this account. I called them on Friday, XX/XX/XXXX. They said I owed {$340.00}. They told me this was part of the US Treasury Debt. I said I had paid this debt in full and will attach the documentation. They said this is just the interest left over. They said I still owed {$340.00} on Friday, XXXX XXXX. Blindly, I paid this amount via my debit card to TSI in  full. TSI said once they receive payment, I would no longer have any further penalties. They also said to check on Monday, XX/XX/XXXX to make sure that my payment cleared. 

This situation started because I owed the US Treasury and HUD {$230000.00}. On XX/XX/2019 I was told by Treasury that if the debt was paid in full I would not receive any further penalties and interest. The law firm paid the debt in full. The documentation attached, the Certified Check, will prove this was paid. The check had to be sent to Treasury no later than XX/XX/XXXX. It was at Treasury on Monday, XX/XX/XXXX. 

The bottleneck is at Treasury. The Treasury has not cleared the check. Today is XX/XX/XXXX. TSI is continuing to bill me interest. This is not something I can control. And, it is not fair that I am being charged MORE for something that I am not causing. 

Further complicating this issue, is on Monday, XX/XX/XXXX when I called to see if my payment cleared, TSI said it did. However, more money is due. WHAT? They now claim I own an additional {$170.00}. It feels like ransom. The Treasury check isn't clearing so TSI is still charging. 

I have been getting phone calls and hang-ups from the NJ phone number ( XXXX ). It's harassment at this point. They won't listen to reason. The folks on their side have no clue how to explain what's happening. I have been talking to many people at TSI and no one seems to understand the issue. They are completely incompetent. When I asked them to show me the Burden of Proof of Debt they  were stumped. I figured out what the issue was and asked them to see if the Treasury check cleared. Sure enough ... YES, that's the problem. It's because the Certified Check for {$230000.00} hasn't cleared! And now TSI thinks it's ok to continue to charge me for something I can not control. I have done EVERYTHING Treasury has asked me to do and TSI has asked me to do as well. I am beyond frustrated.

I have two sons who need their Parent/Student loans and this company, TSI, is hindering this process. My children and I should not suffer at the hands of people who are completely incapable of understanding the situation I am faced with and incompetent in doing their jobs. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to retrieve my credit score from this company for about a month and a half now. There has yet to be an update. It is showing it is unavailable upon signing in to the online account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies. The 3 credit bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX Balance : {$890.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

So I was looking to rent an apartment online. I found this guy from a social media platform. I was supposed to get a studio apartment. He told me to send him an advance deposit because he might not be able to hold the apartment for me until the week I was free to come visit. I was in desperate need of an apartment and didnt want to lose that chance. So I sent him {$500.00} through my bank using XXXX on XX/XX/2020. Then as I was ready to visit the apartment, I contacted him and he told me he was busy and that I shouldnt be bothering him. So I asked what does that mean. He told me I was annoying and that he wont be renting his place to me anymore. Then I told him okay then can I get a refund for my money. He never responded after that. He blocked me and Ive no other way of contacting him. I called my bank right away, they opened an investigation, then closed it after couple of days because they do not see this as a scam. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent of all violations of the FCRA
Product: Mortgage

I sold my house on XX/XX/2022 and the payoff amount of {$160000.00} was sent to Arvest Central Mortgage Company. Subsequently, this loan mortgage servicer sold my loan to another servicer XXXX XXXX instead of closing the loan and I am having difficulty with this new mortgage loan servicer to acknowledged payment and close the loan.
Product: Credit reporting or other personal consumer reports

I am extremely disappointed with the lack of transparency with XXXX XXXX for the years I have been doing business with them I have been the witness of securities fraud. And many other privacy violations that I have witnessed. 
It states verbatim on the back of the billing statement under Credit Balances that anything over {$1.00} dollar on the statement is money owed to me. This is accurate because I have been an investor in your company all this time. Which means that the company owes me vast amounts of money as there is no deadline in regards to fraud. Fraud will always be fraud. I AM AND ALWAYS WILL BE THE BENEFICIARY AND SURETY OF THIS ACCOUNT. ALTHOUGH XXXX MAY HAVE THE TITLE I HAVE EQUITABLE INTEREST. AND NEVER ONCE HAS MY INTEREST BEEN RETURNED TO ME. 

Upon reading the signed agreements on the prospectus of XXXX XXXX  I learned to rescind XXXX XXXX power of attorney over me. So in my last communication I attached an endorsed registered security, XXXX, with pay to the order of XXXX stamped with the CFR 328.5 paired with cancelled stamps to pay the tax and my power of attorney to be placed on file. All in good faith received by XXXX XXXX that we could clear the amount presented on the card and begin to do business properly with an open end consumer credit account moving forward to avoid the hassle of involving the XXXX XXXX XXXX and without invoking the Post Master General in regards to the mishandled Security. 

It appears that the employees of XXXX XXXX  are incompetent in regards to my issue. 
Precisely why I am now submitting this complaint. I will be attaching a fee schedule which will be significantly lower than what your company truly owes me. But I am willing to take a considerably lower remedy in order for you to process this consumer credit account properly moving forward. 

Which entails - ~Transferring the Security with ease ~Opening the account back up and removing any such form of limit to an open consumer credit account. 
~Any reporting done with the credit reporting agencies must only reflect that this card is and has always been paid as agreed for each month with XXXX  % utilization since it is illegal to report transaction history. 
~Not a single derogatory mark to be seen. 
~And certainty that the company is and will not ever violate any aspects of the Privacy Act of XXXX  any longer. 

If XXXX DOES NOT COMPLY WITH THE DEMANDS I WILL HAVE NO CHOICE BUT TO CONDUCT A FOR-SCENIC AUDIT ON MY ACCOUNT NUMBER ENDING # XXXX WITH A CERTIFIED SPECIALIST TO SEE HOW MUCH YOU HAVE MADE OFF OF SELLING MY STOLEN ACCOUNT RECEIVABLES ON THE SECONDARY MARKET ALL THIS TIME. 

Attachments : XXXX XXXX XXXX Assumed Name Certification ( as proof that I do business as XXXX XXXX XXXX and am not that entity but as a certified controller of the that suretyship ) ~Transferring the Security with ease ~Opening the account back up and removing any such form of limit to an open consumer credit account. 
In the truth in lending act it states IV. Section-by-Section Analysis, 12 CFR Part 226 ( Regulation Z ), Subpart BOpen-end Credit, Section 226.5 General Disclosure
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question
comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX # XXXX XXXX XXXX XX/XX/year> Best Egg On XX/XX/year> phone calls to original creditors Best Egg about reporting inaccurate balance to the CRA balance of XXXX the current balance should reflect XXXXBest Egg stated reported to the CRA on XXXX XXXX of each month last updated was XXXX of XXXX request updated to all XXXX credit reporting Agencies. FCRA stated creditor must be accurate information to the CRA.
Product: Credit card or prepaid card

On XX/XX/XXXX there was a transfer of XXXX} ( Entire amount of account ) from my account to another account that was not mine. 

XX/XX/XXXX - I submitted a claim stating that I had not made this transfer. I secured the account by : 1. Canceled the debit card and requested a new one. 
2. Changed the password on my Bank of America account. 
3. Changed the password on my email account. 
4. Ensured that all contact information on account was mine. 

On XX/XX/XXXX another transfer of XXXX} was made to the same account that was not was mine. 

XX/XX/XXXX - I submitted a second claim stating that I had not made this transfer. 

Upon discussion with the Bank of America XXXX XXXX Customer Service rep it was discovered that an unlisted XXXX  phone number listed for " one-time passcode '' for transfers was different and not mine as listed on my Account Information. This number was reconciled, and the account has been secured since that change was made. 

XX/XX/XXXX - The first claim was denied stating that I was still using the same email on the account. 

XX/XX/XXXX - I submitted an appeal for reconsideration stating that I secured my email account by changing my email password. 

XX/XX/XXXX - The appeal was denied without letter of explanation sent from Bank of America. 

XX/XX/XXXX - I submitted a second appeal for reconsideration. 

XX/XX/XXXX - The second claim was reconciled by Bank of America and XXXX was refunded back into my account. 

XX/XX/XXXX - The second appeal was denied without letter of explanation sent from Bank of America. 

XX/XX/XXXX - I submitted a third appeal for reconsideration. 

XX/XX/XXXX - I filed a XXXX Police Reports with my local police department XXXX XXXX XXXX XXXX  for the money that was stolen from my account. 

XX/XX/XXXX - I submitted the police reports to Bank of America. 

The third appeal for reconsideration is still open for investigation for more than XXXX year. Every time I call there has been no update on the claim other than " It is still open for investigation. ''
Product: Credit reporting or other personal consumer reports

I recently noticed inaccuracies and false accusations and fraudulent inquiries. I am formally requesting that these be investigated properly with immediacy. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. The Information as Shown Below Must Be Investigated Immediately. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. Falsely reported inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

WELLS FARGO CARD SERVICES XXXX, WELLS FARGO CARD SERVICES XXXX, XXXX XXXX XXXX, WELLS FARGO CARD SER XXXX
Product: Debt collection

debt collector said they were send the account back to the original debtor and I have received a letter saying that I am not responsible for the debt however they are still reporting it on my XXXX credit report LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX   {$980.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$980.00} {$980.00} Payment Info Original loan amount {$980.00} Balance {$980.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX
Product: Credit reporting 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 XXXX : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Product: Student loan

I have been receiving hourly phone calls from Navient student loan department every day for the past week. I am a co-signer on the loan and have told Navient numerous times they need to contact  XXXX  ( who the loan went to  )  to get payment or discuss deferring his current due as he has been unemployed since  XXXX . Even after discussing this, the calls have not stopped and I receive a call from  Navient  each hour. I have nothing else to help them with as they need to speak with  XXXX . I fully understand the situation of him being late but they need to be harassing him hourly until he pays them. Harassing me on an hourly bases is not helping the situation.  XXXX  can be reached at  XXXX  or  XXXX .   I send him every call fr om Navient as  well as if they leave a message. Not sure why they are not harassing him hourly until he talks to them about his current lack of income.   Please have  Navient  stop calling me every hour. I have attached my phones call log to show the constant calls. I can show the times if needed as well but trust me the calls are hourly from  XXXX    XXXX   to  XXXX  or  XXXX . If I lose my job over the constant calls from them, my lawyer will be contacting them immediately.   Thank you,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

1. The following account is not mine XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2019 Please investigate and delete from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

i recieved an email last day from the bureaus saying I'm helping credit repair to send out my dispute. please remove this accounts and inquiries because i didn't recognized this accounts here 's the list XXXX XXXX XXXX {$1800.00} XX/XX/XXXX {$1800.00} inquiries XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Mortgage

I have tried to contact someone in the tax department of Specialized Loan Servicing for several weeks now because my property taxes have not been paid for 2021. I have an existing escrow account set up with more than enough money to pay the taxes, however I can't get in contact with anyone at this company. When I've called, I sit on hold for an hour and then they drop my call. I've called multiple times in the past few weeks. I also received a letter this week stating that they were going to have to buy insurance on the property because they didn't have a record of me having current insurance. Well I do have current insurance, through XXXX, and even their website states that my insurance is current. I would like to confirm that they have a record of my insurance and have them pay my property taxes out of my existing escrow account, but it seems it's impossible to speak to someone at this company. Truly terrible customer service.