23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating They DO NOT Report any bankruptcies to anybody. So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % percent Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through persona ; interviews with neighbors, friends, or associates of the consumer reported on or with others with he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after. 15 U.S.C. 1681 ( c ) They also violated my rights numerous times. Including but not limited to being approved for loans due to this error information on the credit file.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15. U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to Equifax and XXXX multiple times. This is fraudulent. I am sick of this.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the CFPA. Specially, CashApp failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was completely unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and conscience finance loss and i seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

In XXXX I made payments to my wife 's XXXX bank account totaling XXXX. Unfortunately my wife 's bank refused these payments and returned them back to Remitly. I have proof of this. It is almost XXXX now and I still have not recovered my funds. I need Remitly to refund these payments back to my bank account. Attached is proof of one of the payments being returned to Remitly. I am in process of getting the others. My account is under XXXX with Reference number XXXX. 

Remitly HAS NOT provided proof of funds not being returned. They keep asking for clarification that I have attached to many support tickets and on this complaint. As far I am concerned Remitly has scammed me out of my funds. The recipient has provided proof of returned funds. Remitly has continuously asserted they sent the funds but are not taking the time to check for the reversed funds. They have consistently stone walled me and are not calling me back instead they are directing me to lower level representatives that accomplish nothing.
Product: Checking or savings account

In XXXX, 2022, I received Citibank convenience checks from Citibank that I could write against my Citibank credit card ending in XXXX for an amount up to the credit limit of {$18000.00}, good until XX/XX/2022. I wrote the Citibank check for {$17000.00} on XX/XX/2022 and deposited it electronically. The check cleared a few days later and I started using the money. About {$5000.00} of it went for a down payment on a home I will be renting in XXXX and the rest was deposited into my savings account. On XX/XX/2022, I got an email that my Citibank check bounced for insufficient funds. My checking account was negative {$16000.00} so I looked at my Citibank credit card ending in XXXX and noticed that the {$17000.00} was not debited. As a result of this, I applied for a flex loan against the same card, XXXX, for {$18000.00} to be deposited into the same Citibank checking account and was immediately approved. At this point my account was frozen and I no longer had access to the account. I made many phone calls to Citibank, and no one could help me. I visited my local branch and learned from my personal banker that the money in my savings account was moved by Citibank to cover the negative balance in my checking account. The balance, however, was still short {$4900.00}. On XX/XX/2022, my paycheck of {$5800.00} was direct deposited, and I learned again, from visiting my local Citibank branch office that the negative checking account balance was no longer negative as a result of the direct deposit. It was now approximately + {$900.00}. I also learned that my flex loan of {$18000.00} was deposited into my Citibank savings. In the meantime, I was told that I must come into the branch office to pay the loan on the {$18000.00} for as long as the account is frozen. I would like to return the {$18000.00} flex loan to the XXXX credit card and get the remaining money back from my checking account.
Product: Debt collection

As a result of their unaudited practices ( nationwide ), Portfolio Recovery Associates LLC has filed and won ( mostly by default judgment ) hundreds of court cases here the South Texas region with the aid of XXXX XXXX XXXX XXXX, Texas. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic.
Product: Vehicle loan or lease

I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank XXXX XXXX XXXX. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following accounts be verified or removed immediately :
Product: Debt collection

I had previously submitted a cease & desist letter to the company but they are still in violation of my cease and desist letter pursuant to 15 USC 1692c ( c ) : " cease and desist includes any communication to Consumer Reporting Agencies ''.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XXXX - {$1600.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Aft this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Per the company after my wallet was stolen I updated the account and the auto pay information however because the cards where stolen, the bank rejected the transaction due to potential fraud. The company ( XXXX  ) acknowledged that banks will reject their transactions because they appear to be fraudulent. The payment was reported late because the bank recognized the company as fraudulent.
Product: Consumer Loan

On XX/XX/XXXX, I had a cashiers check of {$2800.00} sent by next day mail to Santander Consumer USA to payoff my account. The check was sent by my bank to XXXX 's overnight mailing address by FedEx. The package is shown to have been received at XXXX on XX/XX/XXXX and signed for by a person of the name XXXX XXXX. I waited for a few days to give time for the payment to process and my online account to be updated. Upon five business days on XX/XX/XXXX I contacted customer service for a status of the payment. I was advised that no such payment had been received for the account. Over the past three weeks I have contacted them for status of the payment and no one has a clue as to what happened the payment. I requested to speak with supervisor because no one seem to want anything to do with the situation. A supervisor had me fax proof of the payment and tracking information on XX/XX/XXXX. I call back to see if the documents were received and was hung up on, this has happened a couple of times throughout this process. For the past week I have contacted Santander as to an update of what is going on with the situation and no one will give any information other than there is no resolution yet. All the while my account is still actively gaining interest and I am out of {$2800.00} that I can no where near replace. I have contacted my bank to see if the check has been cashed yet and it has n't. They advise they can put stop payment on the check but I still would not receive my funds back for 90 days after the check was draw. That is the stipulation for cashiers checks since they are guaranteed funds. If the check is not found and I received my funds back by XX/XX/XXXX, Santander will surely say the payoff amount is not valid and will want any accrued daily until then. I have done research and see that many others have had the same issue of disappearing payments to Santander Consumer. I found a number to the office of the president and left message on the voicemail on XX/XX/XXXX. I have yet to receive any response from them or anyone in the company, they seem as if they are ignoring the situation entirely.
Product: Mortgage

In XX/XX/2023, I received notification that I was late on a payment which is impossible because I have bill pay through my bank XXXX in the amount of {$1300.00} which was the required amount monthly. They received that amount and did not apply it to my mortgage and instead reported to my credit that I was 30 days late when they had the money in escrow to pay. Spoke with the representatives, & was told that there was an analysis done which resulted in the increase unbeknownst to me. I asked for some grace, seeing that I wasn't notified due to the fact that I am a Service Member who was not home due to the demands of my occupation. They said no. The balance was paid and I was told that my new mortgage payment would now be {$1400.00}. Bill pay in that amount was established and the payments were made. Fast forward to XX/XX/2023, I receive. notification that Carrington once again has reported that I am late, 30 days. As of XXXX, they have been receiving payments in the amount of {$1400.00}, Plus on XX/XX/XXXX, I made a payment in the amount of {$1500.00} per the conversation I had with the representative saying what was due. However, these people still reported my account as being 30 days past due when they had the money and their representative advised me that the new amount that would be due is $ XXXX monthly which is what they receive. Called today XX/XX/XXXX, and was told that they've yet again conducted an escrow analysis which is the second one in a calendar year explaining the increase. And again I was not informed by anyone on their staff. Instead, the representative offered no assistance but insisted that I make the payment today and sign up for bill automatic payments with their bank.
Product: Debt collection

TransunionXXXX credit report shows tradeline XXXX XXXX XXXX XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's 60/90 days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides XXXX exceptions relating to educational obligations, These Loans met the criteria for dischargeable. They were included in the Discharge of XX/XX/XXXX. 



Transunion/ XXXX tradeline shows contradictions in dates of delinquency ( last payment ) XXXX XXXX or XXXX XX/XX/XXXX. XXXX does not show inclusion of XXXX  XXXX claim status. 

The Bankruptcy Code provides continuing protection from creditors in the form of a discharge injunction. The discharge injunction is authorized by section 524 ( a ) ( 2 ) of the Bankruptcy Code. It provides that a bankruptcy discharge operates as an injunction against an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived. 11 USC 524.The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. This injunction is to give complete effect to the discharge and acts to eliminate any doubt concerning the effect of the discharge as a total prohibition on debt collection efforts. This protection is so broad that even creditors who are not noticed in the bankruptcy proceeding, whether inadvertently or otherwise, will also be unable to escape liability ( subject to very limited instances The injunction provides ample and permanent protection against virtually all collection activity. Some common examples include : 1. The sale of a discharged debt to a collection agency. 
2. Phone calls, collection letters and public announcements of default. 
3. Refusing to modify a loan unless the debtor reaffirms the mortgage loan. 
4. Moving to perfect a lien, such as a mortgage, over discharged debt. 
Bankruptcy courts frown upon improper collection activity and use their broad contempt powers under 11 U.S.C. 105 of the Bankruptcy Code to award actual damages, attorneys fees and costs, damages for emotional distress, and, in extreme cases, punitive damages. The same action in attempting to collect a discharged debt may also violate the Fair Debt Collection Practices Act and other state and federal consumer protection laws. In addition, Sections 524 and 362 of the Bankruptcy Code also provide causes of action to aggrieved debtors.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit reports within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). I appreciate the assistance in this very important matter.
Product: Credit card or prepaid card

IRS direct deposited my stimulus payment to my NetSpend card but NetSpend says they never received it. I have called 4 times already, triple checked my direct deposit information and still no direct deposit on my NetSpend card. I have been calling NetSpend since XX/XX/XXXX. They offer NO help.
Product: Debt collection

This company reported an alleged debt owed to them. And I have never owed them or worked with them, we have no business dealings. Theyre not even allowed to contact me. They committed fraud and misrepresented a relationship with me to the credit bureaus with false information. They refused to provide documentation within the first 30 day dispute I submitted to them via fax, and are continuing to negatively impinge on my credit preventing me from securing housing
Product: Credit card

Received an offer from XXXX XXXX XXXX credit card, " Earn {$100.00} statement credit. Use the XXXX XXXX Credit Card and spend {$400.00} within 60 days of account opening. '' Spent {$500.00} and paid it in full. It's been 2 months so I followed up. I was told that I needed to spend the money on the XXXX store. Yet this appears no where in any of the fine print.
Product: Debt collection

XXXX XXXX XXXX has been sending letters and calling me stating I did not return my cable box. I returned the box when service ended and obtained a receipt that I faxed over with my dispute to the original debt collector. This must have been sufficient as I did not hear from any other debt collectors for over a year. Within the past few months I started receiving letters in the mail from a different debt collection agency, so I assume the debt was just sold to a different agency to try and collect on a false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX COUNT XX/XX/XXXX {$150.00} XXXX XXXX XXXX DE XX/XX/XXXX {$0.00}
Product: Mortgage

I have tried to do everything we can to keep our home but seems those options are no longer a possibility. It seems that NATIONSTAR simple prefers to remove us from our home with a foreclosure or short sale. At the current market rate, NATIONSTAR will not benefit for any of these XXXX options, however I know that it will be at the best interest for NATIONSTAR to help us with the modification. 
According to Nationstar, the denial was based on that by the time the modification matured, there was a remaining balance due of {$99000.00} and due to the net property value. 
We do NOT want to lose our home and for this reason we are asking for NATIONSTAR to carefully re-review our finances and reconsider their decision. I know that with my income and my husband 's contribution income, we CAN afford our home, however we are only asking for NATIONSTAR to help us in reducing our mortgage payment. We want to stay in this home and our childrens home until our last breath however the only way we can do that is by making our mortgage more affordable within our means. 
We have also put on complaints letter thru NATIONSTAR 's CEO 's office in hopes that they will escalate my case within their office, as well as a filed complaint thru the Attorney General 's Office of the state of California and the Consumer Financial Protection Bureau. 
I hope that after NATIONSTAR re-reviews our finances more carefully, determines that the best option for them is to help us keep our home with a loan modification.
Product: Payday loan, title loan, or personal loan

An email and phone call were both placed to Rise Credit Customer Service to stop ACH withdrawals. I actually spoke with the customer service rep about the loan being settled ( paid in full ) since I've paid what I have borrowed but nonetheless the ACH withdrawals were supposed to be stopped and I got confirmation via Phone and E-mail that they were but yet I got a notif that my checking acct was overdrawn due to a ACH withdrawal from Rise credit.
Product: Credit reporting or other personal consumer reports

I don't want to receive any updates from TransUnion either by letter or email regarding my XXXX XXXX experience. I am requesting a cease of communications through email and letters from the said Bureau.
Product: Credit reporting or other personal consumer reports

I checked my credit report and it says that I have an hard inquiry from Chase XXXX ago on XX/XX/year> and I never signed up for Chase ever, and it dont have my job that I worked at for XXXX yrs on there, I work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi requested a new credit card to my address XXXX XXXX  XXXX XXXX XXXX Texas XXXX and I never received my credit card and it was send back to the sender by the US postal service and I never requested that and the bank told me that I would have to go on another credit review if I get another card sent to me with a new card number and I explain to the bank I never requested for a address to be forwarded it must be a mistake with the US postal  service and my brother was recently moved and he must use my name to change the address without my permission and its fraud if that true and Im asking for first National Bank of Omaha to resend me that credit card with the same account number to my address ... my original credit card was stolen along with my wallet and my wallet was recover by the police department of XXXX XXXX and Ive been going through too much already such as losing access to my XXXX and not receiving any verification codes to my phone and getting all my cards reissued to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed three fraudulous accounts on my consumer report in XXXX of 2021. I have made numberous calls to Transunion to have these accounts removed with no avail. I have called and have been transferred to their fraud department and told to call the " original creditors '' to ask for a letter of deletion, but when I call the companies they say they can not provide me with such letter because I do not have an open account with them. I have called transunion back explaining what the companies have told me and they tell me I have to have a letter of deletion from them even though that is not possible. It is so frustrating that transunion has not removed these fraudulous accounts from my report. I did not try to open them and I want them removed as soon as possible. 

The accounts sare as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX ) XX/XX/2021 2021