23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello Sir /Madam My name is XXXX XXXX and I thought you guys might be able to solve this issue for me! My credit score was hurt really bad after this company reported invalid charges on me for a story happened 2 years a go and without even contacting me or at least try to communicate with me about the issue, instead they decided to report these charges to credit score company and my score was dropped from XXXX to XXXX this is a big harm to my credit! Im type of person never missed any payments on anything with very good credit history but i was really affected by this unfair situation i find myself in. The short story is that I purchased the phone back in XX/XX/year> from XXXX XXXX XXXX and this phone was returned to XXXX XXXX XXXX via return label was issued by XXXX XXXX XXXX after contacting them about the return process the return tracking number, XXXX # XXXX. Now after XXXX years without contacting me, I was shocked yesterday thats my credit score went down XXXX points because of this company reported me to experian credit score. This unfair and i feel oppressed by this company! 

Account number in this company : XXXX Thanks and regards for giving me the opportunity to explain my situation XXXX XXXX Phone Number : XXXX
Product: Debt collection

I dont own this debt from wayfair and they posted it to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXXXXXX ( Original Creditor : ) XXXX
Product: Credit reporting or other personal consumer reports

The credit report contains unauthorized hard inquiries under 15 USC 1681c-2, impacting my credit score. Please remove them immediately
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I contacted support at casbapp and explained h wanted to dispute a charge. I allowed a so called friend to use my phone to call his ride and he sent him self money. Wasn't authorized but they did nothing to help. My bank said it's cashapp who needs to fix it and cashapp says it's my bank. That brings me to yesterday. XX/XX/XXXX I was given {$45.00} from a friend to go shopping at kale a local store. It took roughly six hours to make it available. I cashed it out. Now I already did my shopping. Later that evening I went to dinner with friends and tried to send my friend XXXX {$50.00} for my cost the if the meal. Cashapp abruptly refunded the money my balance " for my protection ''. So I tried to cash out the funds I just loaded from the same account and card and it then locked my account. They then over the next 8 hours 3 different times told me I could access my funds and first I needed to cash it out onto a new card. The I needed to use with my casbapp card and lastly well you can try but I can't say it'll work. I was told for 8 to 10 hours I would access it within 24. Now that we are half way there it's changed to 24-48. They are being dishonest and there is no transparency. How is this not unjust enrichment? Here is the entire chat. At one point when I explain this caused me to be cited by local police for theft of service and how important it is for a business that allows it self to be used as a banking service to hold them self to that same standard and the rep clearly responds mocking me. I have never gotten so much as a speeding ticket and tonignt I looked like a XXXX  or XXXX XXXX because cashapp decided I am not allowed to have my money or pay for dinner.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : BARCLAYS BANK DELAWARE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Student loan

I attended XXXX College, in XXXX, Alaska XX/XX/XXXX. The school is CLOSED. 
XX/XX/XXXX I received a Form XXXX Cancellation of Debt ( Replacement ) form cancelling the debt in XX/XX/XXXX. Again I received a letter of the balance of the loans being written off from the ACPE Alaska Commission on Postsecondary Education dated XX/XX/XXXX. All of these letters have been sent to FedLoan Servicing with no answer from them. I mailed Certified and regular U.S. Mail. I have told them to " Stop contacting me. '' on the advice of an attorney, yet they continue to call, now weekly. This is a violation of the Fair Debt Collection Practices Act according to Attorney XXXX XXXX XXXX, XXXX, Alaska XX/XX/XXXX. A. I want this taken off my credit report. B. I want the harassment and embarassing phone calls to stop on my cell and business and any other phone, such as family, friends, former landlords, neighbors. C. I want this in writing from FedLoan that there is NO Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a complaint with Equifax credit agency for the reinvestigation of accounts being reported on my credit report. I have asked for the supporting documents that are being used to to support the misinformation. I am in total absolute debrief with the way the credit agency has mishandled my credit. Said account : XXXX XXXX ; is reporting inaccurate and false information on my report. According to 15 USC 168i 5 they are supposed to do the proper research, ( 5 ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove/delete all those items. This account is reporting all different inaccurate opening dates across all agencies.
Product: Mortgage

I just got paid this morning. I called Rocket Mortgage to make 1 payment. As of the first I became 4 payments past due. The rep advised that due to FHA guidelines they can not accept 1 payment to get me back to only owing 3 payments until I can get paid again. Unfortunately I dont make enough to make 2 payments today. However not allowing me to make a payment today is only continuing to keep me further behind. My company is not allowing overtime which plays a significant role concerning my paycheck
Product: Credit reporting or other personal consumer reports

The following items currently listed on my consumer report, as they have been reported without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), pursuant to 15 USC 1681b ( 2 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The information reported for these accounts is incomplete, inaccurate, and has been reported without my explicit written consent. This violates my rights under the FCRA, which clearly states that consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer to whom it relates ( 15 USC 1681b ( 2 ) ). 

Furthermore, the FCRA prohibits creditors from treating a payment on an account under an open-end consumer credit plan as late for any purpose ( 15 USC 1666b ). Therefore, any late payments reported for these accounts are also in violation of federal law.
Product: Checking or savings account

XXXX weeks ago, I went into the bank with my mom asking for a bank statement of my frozen account from the fraud account, and XXXX from the Santandar and XXXX, New Jersey, cut and copied and paste to a word document instead of giving me an official bank statement that I asked for And in my profile on my Santander app, it has the ladies address in it in XXXX, Pennsylvania on the account for that bank statement so he chose not to print out the legit statement because it already had that address on it and that is not OK. XXXX dealing with this since XXXX Ive XXXX to borrow money from my family Because of this I want this issue fixed and I want {$10000.00} added to my return for all of this stress and anxiety that they have put me through
Product: Mortgage

I am writing to document a formal complaint against XXXX and LoanCare mortgage servicing companies. 

Recently, XXXX ( XXXX, XXXX ) purchased my mortgage from my previous lender, LoanCare ( www.myloancare.com ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by XXXX ' reviews and LoanCare online. 

On XX/XX/XXXX, payment from XXXX to LoanCare went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, LoanCare also auto-drafted the monthly payment from my checking account. LoanCare does not have record of this on my online profile and they have not forwarded this payment to XXXX as both companies have said they would through the transfer process. 

XXXX now has sent me to a debt collector for failure to pay my XXXX payment and plans to auto- draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor XXXX offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that XXXX has created during the weekdays.
Product: Credit card or prepaid card

claim # XXXX I am unable to trust them with my financials, I have a {$20000.00} limit and they use deceptive practices to avoid handling a claim seriously, especially XXXX where fraud is being claimed. 

I went to XXXX store on XXXX and checked out on stand # XXXX ( not self checkout ) with an authorized amount of {$56.00}. 

I reviewed my online transactions on XXXX and noticed that there was a charge of {$370.00} at the same store, confirmed by the store # listed. 

I immediately contacted BofA and began the dispute of the fraudulent charge. 

On XXXX I filed an online police report with the city of XXXX ( location of store ), report # XXXX, I filed the police report because someone if possible should be held accountable for the theft/fraud, especially if it was XXXX employees or BofA. I definitely would not file a false police report and be subject to any legal repercussions. When I went to go update BofA of this report #, I saw that the claim was closed with absolutely no explanation nor a resolution. 

It was too late in the evening to contact that department so I had to wait until XXXX. All I received from BofA was an email saying the claim was closed. 
I tried calling BofA cc fraud department to get an explanation and was tossed around XXXX transfers that took XXXX minutes before getting to whom I thought was the supervisor I had been requesting, it was'nt, an hour later no resolution. The rep XXXX refused to give a managers name or contact info, no email available either. I asked for a XXXX to call me back to assure that this would be reviewed, I was advised that no guarantee of a phone call could be made. 

I am left with this almost {$400.00} bill on my XXXX for a purchase I did not authorize. I feel completely disrespected because the claim was closed down within XXXX with XXXX investigation, so do they think i filed a claim fraudulently? Even after the extensive phone call no resolution was reached, and now I have to pay that amount because my payment is due and I do not want a derogatory late payment mark of a balance going over cycle reported to my credit. claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 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: Credit reporting, credit repair services, or other personal consumer reports

I sent in several certified letters to all   XXXX   credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.
Product: Mortgage

On XX/XX/2020 I closed on my mortgage refinance with XXXX XXXX XXXX ( who is transferring the loan to XXXX XXXX XXXX for servicing ). On the closing documents, it stated I was to receive via wire transfer the amount of {$480.00}. 

The title company was First American Title and the escrow officer who handled the transaction is XXXX XXXX. 

A few days later on XX/XX/XXXX, I received an amount of {$440.00} via domestic wire, which right away I noticed the amount was off. I checked with my bank to see if they could determine why, all they could tell me is they do not charge for incoming wires - domestic or international. The document in which I provided by First American Title for the checking account information to facilitate the wire transfer does not disclose any fees for First American Title to send the money to me. 

The amount missing is also an odd amount of {$34.00}. 

I've reached out to both the lender, First American Title, and XXXX XXXX at First American Title multiple times ( by email and phone ) to get an explanation as to why this differs from what is on the closing documents - I am concerned that part of the money due to me was not sent to me. The one and only person to call me back at First American Title was a supervisor who all he could tell me was that he was in the wrong department and I need to call a different department as he only handles transactions in California. I then asked him for XXXX 's contact information as the contact information listed on the closing documents was getting me no where. He provided her email address and phone number to me. 

To this day, I've yet to hear back from anyone at First American Title who can tell me where my money went, that was not sent to me. 

Call Log XXXX ( number listed on Closing Documents ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX ( found this number online ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX Inbound - XX/XX/XXXX XXXX ( supervisor getting back to me, left message ) Outbound XXXX XX/XX/XXXX XXXX. Left message Inbound - XX/XX/XXXX XXXX ( was finally able to connect with supervisor, gave me XXXX XXXX email address and phone number. Basically not his department ) Email Log XXXX XXXX - XX/XX/XXXX XXXX Outbound - XX/XX/XXXX XXXX Any assistance in getting this resolved would be helpful.
Product: Debt collection

My personal and financial information was stolen in a 2015 data breach with XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX XXXX I have none knowledge of the usage of the accounts. I never authorized or authorized anyone else to benefit for the accounts in anyway.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX am, I received a text message from what I thought was Chase Bank asking about a purchase at XXXX for {$440.00}. I pressed " no '' and received a call from a woman claiming to be from Chase, asking about the same purchase.

To continue working with the supposed Chase representative, I was sent a link to login and verify my account. I assume this is how the fraudster had access to make transfers and see my transaction data. 

I told the woman I did not make the purchase and she sent me a code to authenticate the call. The call was dropped due to poor cell service. 

I agreed with the woman to continue the call in a half hour, after I was in a better area for cell service. 

After dropping my son off at school, I received another call from the woman, who began to review my account transactions with me. We noticed an unauthorized {$100000.00} transfer from my savings to my checking account. 

The woman asked me to validate my account by texting them a number. I assume this was the wire transfer verification number. 

The woman reassured me that she was working to stop the transfer. We received a text from Chase saying the money was being transferred back to my savings account. 

The woman instructed me and my wife to go to our bank. We arrived at the bank ( which had not yet opened ) and were still on the phone with the woman. 

When the bank opened, my wife and I spoke with a bank manager, XXXX XXXX, and handed her our phone so she could verify the identity of the woman on the call. XXXX asked the woman for additional verification numbers, but the woman refused to provide them. XXXX determined that the call was not from Chase and hung up. 

At XXXX XXXX, my wife and I were at Chase bank complaining about the fraud. The wire had not yet gone through. We filed a fraud claim with Chase and were told that our accounts had been frozen. 

At XXXX XXXX, the wire went through, despite XXXX having put a hold on our online account. 

My wife and I went to XXXX XXXX XXXX and tried to put a hold on the fraudulent wire, but were told to file a fraud claim with Chase. We called XXXX XXXX XXXX XXXX XXXX department and were told they were able to put a hold on the wire. XXXX XXXX XXXX told us that the money was frozen and that we needed to work with Chase 's fraud department to get it back. 

We then provided XXXX with the XXXX XXXX XXXX email for fraud communication to ensure that the funds were not released. 

By Monday morning, however, we went into Chase and found that the funds were released. 

We then filed a report with the police.
Product: Credit card

I was sent two separate notices by BofA that I had applied for two separate credit cards when indeed I had not. BofA said they had closed the applications, when I asked for an email confirmation that they had done what they said they had done I was told they don't send such things.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and JEFFERSON CAPITAL SYST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and JEFFERSON CAPITAL SYST with no successful resolution. There was definitely an error on their part.
Product: Debt collection

XXXX is reporting on all 3 credit bureaus as a negative debt. I sent a letter to national credit systems to verify the account on XX/XX/2017 and the has not validated the account nor verified the account. I would like the following to be verified. *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; and *Provide me with your license numbers and Registered Agent. If National Credit Systems offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to dispute this account on XXXX they told me that they can not help.
Product: Mortgage

In Complaint XXXX M & T sent a 68 page response to my complaint but never addressed my complaint that I am on my mortgage. All they address is contact to my late husband but the original bank addressed everything to me after my husband passed away. M & T took over the bank but has ignore this MAJOR issue.
Product: Debt collection

Account number ending XXXX is appearing on my credit reports. PRA sued me but then dismissed the case as they could not prove the debt belonged to me. See attached court document.