23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AR RESOURCES INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I have contacted several times about this known issue and nothing has been resolved neither have a company reached out to me as well. 
XXXX XXXX XXXX XXXX XXXX  and no one has contacted me about this collection. I do not know this company that is trying to collect a debt from me
Product: Checking or savings account

on XXXX i deposited XXXX dollars into my account with an ending balance of XXXX which gave me an ending balance of XXXX a couple of hours later i had nothing in my account when i went to the bank the told me that a judgement was placed on my account for my girlfriend who i have been with for ten years, we have a joint account because she needed a debit card for her and our son in case of emegencies. i am the sol provider for my family. on XXXX a legal notice was delivered to the bank for my girlfriend saying she owed money from XXXX which was in a laywers hand and then sold to another in XXXX who claim to have verified an address that she hadnt lived in for years, and had a judge sign off on a judement without even going to or recieveing notice for court.so on XXXX they held XXXX dollars from my account and then charged me a legal fee of XXXX dollars. then when my check cleared they removed another XXXX dollars and another XXXX dollar legal fee and that was done on XXXX i went to the bank and spoke to some one who refused to show me any legal document but gave me a phone number for the laywer and a number for wels fargo and waas told they couldnt provide me with any addition al information. when i called wells fargo i spoke with there legal team who informed me that the bank could have given me the information that i requested so i was lied to by the bank about what information they could have given me. i have a joint account and am not responsible for my girlfriend debts from before we met i am the only one putting money in the account. after being told i could not dispute or get a refund on legal fees or the money taken from the account and me calling and complaining i recieved a XXXX dollar refund to my account on XXXX and also recieved a XXXX dollar check in the mail which was deposited in XXXX for some banking protection i never knew i had
Product: Mortgage

In XX/XX/XXXX, I attempted to make a monthly paymentfor my second note, which was refused. The balanceis now showing {$0.00}, which tells me it may have beensold or transferred to another servicer. I have not received anyof this via email ( preferred ) or regular mail. I now am two monthswithout a payment on the XXXX note because Ido not know who to pay. The servicer has beenOcwen and in trying to call they will not answer myquestions. I left a voice message : no response. 
I left an email message with no response. I attemptedan online email request to their Ombudsman and the responsegiven is the loan does not exist with no match forthe loan number or my soc sec number. 
I finally reached someone on the telephonetonight, and they tried to transfer me to anotherperson. I asked if they were transferring my callto another servicer, and the rep said no. She wastransferring me to another section in XXXXwho could answer my questions. I asked if myloan was transferred to another servicer, and shesaid she could n't answer, which is why she wastransferring me to someone who had the clearance. 
This morning I received a call on my home phone, but was too late to answer. They did not leave a messageand, when I redialed the number, got a fast busy signal. 
I have had people call me at work yet they do not leave a message.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my 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: Debt collection

This company ( Contract Callers INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian about a dispute and was informed that they did not fix the error. I filed a cfpb complaint regarding a XXXX account and was informed by XXXX that an updated aud was submitted. I have reached out to experian and they have refused to accept the updated aud and keep advising me to submit a dispute but then come back and say they will not reinvesigate. Experian is the only credit reporting agency reporting this account incorrectly and i would like it fixed.
Product: Credit reporting or other personal consumer reports

The State Employees Credit Union of NC pulled excessive inquiries during my house hunt. They admitted to the error and promised they had notified XXXX to remove one of the inquiries ( XX/XX/23 ), however after 1 full year, they still haven't. I was initially told by an XXXX representative that all of the inquiry 's would convert to " one '' after the bank ( SECU ) showed the purchase on my credit report, but not only did that NOT happen, SECU nor XXXX will remove the excessive inquiries I've listed in this complaint, but XXXX claims they're waiting to hear from SECU. After filing a dispute with XXXX a second time, they said they didn't need my trail of email evidence, therefore denying my request for the second time to remove those inquiries ( XX/XX/23 and XX/XX/23 ). I don't even think that XXXX investigated because how could they if they didn't want proof that SECU admitted that they pulled at least one of the inquiries in error ( XX/XX/23 ).
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX / Account number XXXX
Product: Mortgage

I applied twice for a loan modification and was stringed along for over 6mos and encouraged to apply twice to have the same outcome. Now I am currently facing foreclosure and losing my home. Chase just does n't care I am just another number in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for about 3 months to solve this problem with the credit agency that reports this negative, incorrect, inaccurate information in which is the second dispute that I make through you for that same problem, because the company was in charge of saying that they could not continue with the investigation because they could not confirm that I was the person, so I hope that this letter will be taken into consideration. 

In the month of XX/XX/2023 I started a dispute with this company and they only update the information claiming that the information is correct and verified but in the attached documents they could see that the information they share is exactly the same, having multiple errors where they first show a verification of 22 months of the account but they only report 20 months of payment history, they show apart only 7 months as payments and the. 

The account to be disputed is that of XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several things that are bothering me one is because someone put a different address on my file in  XXXX  and can not even get it fixed because the system wo n't let me in and got a credit card from capita l one ba nk and  two  bills for medical that I am aware of is a pen can u please help me get my stuff fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Product: Mortgage

My Mortgage was sold to Lakeview Loancare, XXXX. XXXX XXXX, XXXX  XXXX, VA XXXX. In XXXX I declared Bankruptcy but I reaffirmed the mortgage debt and never missed a payment. I have the bank records to show I paid the mortgage every month and Lakeview received and cashed the checks. Still they did not record the payments and showed a overview debt of {$840.00}. I called them but never could get an answer as to why they did not credit my payments. Then I was told they had a special dept. to check into payments so I mailed them copies of the checks from the month they claimed were missed. I also emailed copies of the bank statements which noone ever acknowledged either the payments or receipt of the bank statements.Also this company was not sending bills on a regular basis and since I could not speak to anyone there was confusion as to due date. This was long before covid made all companies unreachable and every month no matter what I paid no payment was ever acknowledged nor could I ever get a person to speak to. It was an automated answer which told you to call another no. which was an automated answer for a case worker who altho I left messages and my name and number never answered me in almost two years. I finally called XXXX XXXX firm in XXXX and We tried to reach them by phone with both of us on the line but could not reach a living person only recorded messages. The only way XXXX. XXXX could reach them was by getting in touch with a lawyer who represented them at one time. He said the date due was the XXXX but it had originally had been on the first and there is no way to know when they changed the date. Since them I have still paid every month and I have asked to have the due date changed to the XXXX XXXX of the month. But I have received no acknowledgement of payments made. I sent in two checks for {$600.00} each month for XXXX and XXXX and {$420.00} for XXXX. My payment is {$390.00} a month but there is no credit shown for those payments altho they cashed the checks and I have paid every single month since and including XX/XX/XXXX. Every bill shows XXXX. By refusing to credit my payments this company makes sure I can not refinance my loan and I am stick with their refusal to credit my payments. They also damage the credit I am trying so hard to reestablish since my bankruptcy. This company has not shown good faith in dealing with me and it is over 2 years that they've been refusing to acknowledge my payment. I believe they are attempting to put me in a position that they can forclose on my condo. Covid or not they have no business handling mortgages.
Product: Credit reporting or other personal consumer reports

DEPTARTMENT OF EDUCATIONXXXX ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY XXXX XXXX XXXX XXXX NOT MINES
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE SHOULD HAVE LEAPED 82 POINT BASED UPON AN ACCOUNT FROM XXXX BEING UPDATED YET MY FICO DOES NOT REFLECT THAT UPDATE, MY FICO SCORE HAS NOT BEEN UPDATED PROPERLY VIA XXXX XXXX AND EQUIFAX, I HAVE APPLIED FOR CREDIT AFTER I PULLED MY REPORTS ON XXXX XXXX XXXX YET WHEN I WEN TO THE CAR DEALER MY FICO SCORE WAS 60 POINT LOWER AS IF THE ACCOUNTS WHERE NOT UP TO DATE. I CALLED BOTH BUREAS THE ADVISED ME TO CONTACT THE FICO.COM YET I CAN'T AFFORD TO PAY FOR FICO.COM WHEN I SHOULD NOT HAVE TO IT'S THERE RESPONSIBILITY TO REPORT ACCURATELY MY ACTUAL FICO SCORE. I HAVE AN APP WITH A LAWYER XX/XX/XXXX TO DISCUSS HOW MUCH CREDIT I HAVE LOST, THE INTEREST RATES OFFERED BASED UPON THE INCORRECT FICO SCORES AND POSSIBLY SUIT FOR DAMAGES. THEY'RE VIOLATING MY CONSUMER FINANCE RIGHTS BY REFUSING TO UPDATE MY FICO SCORES.
Product: Credit card or prepaid card

Synchrony/ Care Credit closed a card that could be used for medical or veterinary care. There was NO balance due on the card. It had been paid in full for many months. I kept the line/ card active so it could be used for a personal medical or veterinary emergency. 

I received a letter that said the account in good standing was CLOSED due to the risk I MAY default on it. 

The closure impacted my credit score because it was one of my oldest accounts that I paid by autopay.
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Financial Data continues to report a collec tion account from   XXXX   XXXX   on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against  Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called  Financial Data a nd spoke to a guy named  XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong to me.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX XXXX {$73.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$240.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A cheque for {$2500.00} was deposited on XXXX XXXX at the Chase Bank on XXXX XXXX XXXX, XXXX Florida to my personal checking account. 
On XX/XX/XXXX the cheque was cleared by the bank. 
Later on that day, and only after it was certain that the funds were cleared, the said funds were utilized for the purpose for which the cheque was issued. 
On XX/XX/XXXX, to our horror, the cheque was reversed, funds were withdrawn from our account without letting us know and we were charged the additional {$12.00}. 

We went to the bank to complain and they said that it was our responsibility to wait 5 days before the cheque would be really cleared. 

The reason for reversing the cheque is that it was allegedly false. 

We do not understand how can cheque be cleared and then uncleared at the discretion of the bank. The funds were utilized and we are now left with a credit of {$2500.00} without fault of our own. 

The bank was not even considering a possibility that clearing and then unclearing the cheque is anyhow their responsibility, but they have easily passed on the blMe to us, the consumer, to somehow verify the validity of the chequ prior to utilizing those funds, even though they clearly cleared the cheque.
Product: Mortgage

We were sent a letter dated XX/XX/XXXX from our previous mortgage loan servicer, XXXX XXXX XXXX. The letter indicated that service was being changed to XXXX XXXX XXXX on XX/XX/XXXX. The only information we have received on XXXX XXXX is a mailing address and phone number. This is our second new servicer in less than 18 months since refinancing our mortgage. 

It has been customary that previous servicers provide temporary payment coupons plus a new account number for the loan. There has also generally been a welcome package sent by the new servicer during the transfer period. None of this has been done by XXXX XXXX. 

According to XXXX XXXX XXXX automated system, it takes 5 days to upload our information from the previous servicer to theirs. When I called today, I was told it takes 7-10 BUSINESS days with no explanation as to why it takes so long. XXXX XXXX indicated that the upload is electronic and would not explain the delay. 

During this transfer process, we had been refinancing our HELOC. As part of the process, we agreed to use the HELOC to pay off the balance of our mortgage. Now that the HELOC has closed, our bank is unable to get a payoff amount either from XXXX or from XXXX XXXX. As a result, we are being forced to pay daily interest for no reason. It is as though our mortgage does not even exist at this time! 

Both servicers say there is nothing they can do. This is unacceptable. For any interim period, the consumer should have the right and ability to obtain a payoff amount on a mortgage and make the payment accordingly. Otherwise, the loan servicer has no incentive to upload information in a timely manner. The mortgage details must be available SOMEWHERE during the transition. 

Finally, one of the servicers should be held responsible for forcing us to pay daily interest when it is not necessary. This interest should be WAIVED during any interim or transfer period. 

It is clear to us that servicers do not want our loan since we have been paying down the balance and now wish to pay it off in full. There should be restrictions on how often a loan can be sold and serviced by a different company. Otherwise, abuse like this is allowed to occur on a potentially wide scale.