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

Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, Aargon Agency reported the debt and was showing the same debt of {$3400.00} was unpaid. I  contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted Aargon Agency and their representative outright bullied  me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to XXXX  and XXXX. XXXX is currently working and investigating the dispute. XXXX  however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by  the name of XXXX in XXXX XXXX who refused to give her last name, stated that XXXX verified the debt with Aargon and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2017, I moved out of my apartment ( @ XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX owned and operated by XXXX XXXX ) after giving my 60 day notice to move out. Along with the original " Move-In/ Move-Out Inspection Form, '' my caretaker of my building went though a walk-through of my apartment. He, XXXX XXXX, signed the Move-Out comments section stating " All good in apartment/ normal wear & tear of carpet with NO issues found. 
I was then told by him, and XXXX ( who works in the office dept. for Innovative Properties ) that I would receive my {$400.00} Damage Deposit within 30 days to my new address I left them. 
I NEVER received my Damage Deposit Refund! Instead, I got a letter shortly thereafter dated XX/XX/2017 ) from XXXX XXXX saying I owe {$830.00}. Said charges stated " We are not refunding your deposit from your apartment due to : Rent, late fees, and damages far exceed your original " security Deposit and accured interest. '' Then it shows a list of {$400.00} Orig. security deposit, trivial charges including charging me a late charge on a full months rent with is not correct, AND Less cost to replace carpet ( damage to carpet beyond normal wear and tear ; pro-rated based on life of carpet ). If the amount is not received in our office BEFORE XX/XX/2017 we will forward your debt to " Negotium '' for collections. This WILL affect your credit score and rental history. 
They did turn it over to XXXX, who when once notified me, I replied back with a written APPEAL LETTER. I stated why I didn't owe any money, that I had written & verbal and 2 recorded telephone conversations as proof. 
They " XXXX '' never responded to me again. This is, and has been, on and affecting my credit ever since. I am owed my money back w/ interest, PLUS " XXXX '' actions ( and failure to respond ) has/is affecting my credit and EVERYTHING in my life for the past 2 years! 
I NEED this resolved and actions taken to remove this charge from my credit report ( all 3 ) immediately! 
I have more supporting evidence that I am unable to attach to this complaint at this time. I can and will provide copies of such if needed in another attached form as well as I and can play and provide 2 verbal conversations as stated herein. 

I
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to this company on XX/XX/2023 via us mail, i have also reached out to this company via CFPB. National recovery agency responded with a Frivolous response. This company has lied and stated that i sent Cease and Desist so they were not able to respond, In my cease and Desist i made my DEMANDS very clear to only be contacted via us mail and CFPB. This company has tarnished my name and general reputation, disregarded my request to not communicate with me in any form including reporting alleged debt on my consumer report, reporting to consumer reporting agencies without my consent and having my Non public ( private ) information. National recovery agency chose what to abide by in my cease and desist demand letter and continued to report alleged debt without providing me the proper verification. I am now requiring monetary relief with depletions of alleged debt on my consumer resorts. Due to false reporting, ignoring my cease and Desist demands, and not having my prior consent to report such alleged debt!
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2019 an employee of intercambio express located in XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number XXXX was distributing flyers promoting their business in front of my store and to my customers. Every day they've been sending an employee to my store to check the exchange rate my company has. They have become a problem. I tried to resolve it. I spoke with XXXX XXXX on Thursday XX/XX/2019 apparent owner of the business. She wasn't very helpful, and showed no concern to stop this unethical business practice. They are very devious and unprofessional. They are trying to play dirty. Therefore affecting my business that I've been operating for the past 24 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some is attempting to open accounts in my name. I have contacted Equifax several times and no assistance. I am sending this request again with my identification to have this fraud stuff deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Checking or savings account

ON XX/XX/XXXX a tenant made a deposit into my Wells Fargo bank account by 2 money orders. one was for {$1000.00} the other was for {$320.00}. It was made in person at XXXX XXXX XXXX XXXX XXXX FL at XXXX PM. When I saw the deposit Wells Fargo had only credited my account the amount of {$520.00}. That also is the amount shown on the deposit slip given to the tenant too ( {$520.00} even though it was clear from the copies of the money orders that they totaled {$1300.00} ). I asked the tenant to go back to the branch and get it corrected. The tenant got back to me and told me that Wells Fargo told her it was up to me to contact Wells Fargo and make a claim and gave her a phone number for me to call. THIS IS UNACCEPTABLE! I called that number and I was informed that it could take 1-7 business days for the funds to be returned into my account. THIS SOUNDS LIKE A NEW WELLS FARGO SCHEME TO FLOAT ON CLIENTS MONEY>>>PLEASE INVESTIGATE. Waiting up to 7 days was TOTALLY UNACCEPTABLE. I called the branch where it was deposited and asked them to look at the error and was told they could not see it or fix THEIR MISTAKE that I had to call another number. All in all I had to call Wells Fargo 5 times and speak with at least 5 different people AND spend over an hour of my time to get the matter resolved. I requested compensation of {$50.00} which I was denied since this is the amount the tenant now owed since it was late because of WELLS FARGO NEGLIGENCE. They made a " Provisional '' Deposit of {$800.00} on XX/XX/XXXX. There is NO REASON under the sun why I should have had to waste over 1 hour of my time to correct Wells Fargo mistake and dealing with their telephone XXXX to finally get to a person who was able to correct a very OBVIOUS mistake or INTENTIONAL NEW SCHEME BY WELLS FARGO to XXXX people out of their money, float on their money, etc. if the customer doesn't pay attention to their deposits. PLEASE INVESTIGATE. My time is not free! I was being very reasonable in requesting {$50.00} credit as that is what the tenant 's rental contract states since I didn't receive full funds until the XXXX of XXXX plus a lot of hassle.
Product: Debt collection

Trident Asset Management in the amount of {$420.00} showing opened on XXXX has reported on my XXXX  Credit report and I have tried several measure to contact the creditor and the credit bureau to dispute this account as Ive stated that this account is inaccurate and not belonging to me and the only response that I get back is that it is accurate but no proof is shown. They send me copies of delinquencies etc. but no proof showing that this account is accurate nor belongs to me.
Product: Mortgage

I received a letter stating that per the modification agreement, the loan is subject to interest rate adjustments. The interest rate is set to increase to 5.25 % on XX/XX/2021. 

Per the contract that I have with Shellpoint, it states that interest rate may change on the first day of XXXX and every XXXX month thereafter. Why is it being changed on XX/XX/XXXX? Additionally, the rate is 2.5 percent added to the LIBOR rate, so how did it become 5.25 %? 

I have yet to receive a reply from you or the others I have contacted.I have tried to contact the Regulatory Correspondence Specialist, Ms. XXXX XXXX, and she has not responded via email XXXX or phone ( P ) XXXX I have tried to contact via their web portal in addition to calls. 

I have not received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my wallet stolen along with all of my identity and every since then someone has been applying for credit, I have a security freeze on my account and I currently have incorrect hard inquiries and addresses reported on my credit report ... I did not authorize any of the inquiries from, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, from XXXX and also from XXXX XXXX XXXX on XX/XX/XXXX, from Experian...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 is most recent contact date.Experian was contacted by certified mail in reference to violation of FCRA and after receipt of mail, agency ignored my request. Copies of old report was sent along with request of method of verification.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which is in violation to the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 me significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed
Product: Credit reporting

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial i never did anything with that I don't know why its popping up on my credit as hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I paid this auto loan off in full & Penfed credit union received payment on XXXX, it is now XXXX, almost 5 months later and they still haven't completed the electronic lien release like they should have done within 1-2 weeks after I paid the loan off. I called them several months back and they were supposed to complete then and follow up and call me back. That never happened, I am now in the process of trying to sell the vehicle XXXX  XXXX XXXX # XXXX. I can't get a title or complete the sale until this is completed and the buyer is getting ready to walk from the sale due to these delays & mistakes by Penfed credit union. I have been on the phone with them again multiple times per day again since Monday XXXX and I requested they complete this several times a day and they still haven't completed the electronic request/lien release with the DMV/department of motor vehicles after 10+ requests at this point as I just went yet again to the local DMV to try and obtain the title to sell the vehicle. PenFed credit union / XXXX / www.penfed.org is responsible & the loan # XXXX, XXXX  XXXX XXXX.
Product: Vehicle loan or lease

I have a Wells Fargo account that is a joint loan with me and my son. Wells Fargo has kicked back payments my son has made and then charged him late fees and processing fees etc... 

They just impounded the car after bouncing back a payment he made. I find this to be extremely fraudulent activity on the part of Wells Fargo. They also incorrectly state on the credit reports that the payments are behind. They also further incorrectly state on the credit reports that payments are late. They are only late because they kick them back then charge late fees. This is pure extortion!! If you look at my credit record it is spotless except for Wells Fargo and they are causing distress and financial XXXX  to me due to this. 

I have contacted them to no avail. It is a pointless activity to try and get someone who can do something about it. I have disputed the activity being incorrect but then it comes back with even more late payments which is retaliatory actions on their part.
Product: Credit card

I had an existing credit card account with American Express ( XXXX XXXX XXXX  ). 
I logged in to my account and and saw a promotional offer for a new credit card ( XXXX XXXX XXXX ). The offer explicitly mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I followed the instructions and submitted the application to get the card. 

Once the card was approved and showed up in my account, it turned out that it does not offer the advertised XXXX XXXX XXXX XXXX! 

I contacted American Express and they told me that this is because my previous card had already offered this feature and therefore they can not offer that feature to me a second time! 
This explanation is unsatisfactory. If that is so, then why was such a feature offered to me for the second card? The offer was made as I was logged in to my account. Meaning they already had all the information about my account history. They did not have to make such an offer if I wasn't qualified. 

This is false advertising and bait and switch. Plain and simple. Now I have a new hard inquiry on my credit report and more importantly I have a lower average credit card age due to a new credit card issued. Both will negatively impact my credit score. I would not have signed up for this card if it wasn't for this particular feature. 
Furthermore, I also can't close this card without having a significant negative impact on my XXXXredit score due to account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I am in desperate need of assistance. I submitted a modification packet t o Nationstar howe ver they are refusing to review my modification packet. I have tried to work with them and have provided all documents needed to be evaluate for a new work out option. In the previous complaint I submit trough the CFPB agains t Nationstar wa s because they were not using 100 % of my income therefore I got denied because I was deficit. I am making {$5400.00} per month and my monthly expenses are {$3900.00}. These expenses include my current mortgage payment. I have even email my application to a supervisor and still no responds. I do not want to lose my house is all I have. Please help me I am in desperate need of assistance.
Product: Checking or savings account

On XX/XX/XXXX, I logged onto my Regions mobile banking app and found that Regions had removed {$3300.00} from my family 's general savings account and {$3400.00} from a savings account my wife and I opened for our son when he was born in XXXX. When I contacted Regions bank that night and then again the next day, Regions told me that someone had gone into two of their branches in Texas on XX/XX/XXXX, presented two private party checks payable to " XXXX XXXX '' ( my name ) in those amounts ( drawn on an account I don't recognize out of NY ), and been permitted to cash both of those checks because the Regions teller saw that I had enough money in savings to cover these two checks. The forger had written my SSN correctly on one check and incorrectly on the other check, and the signatures do not match my own. 

In any event, Regions accepted the checks in what I'd imagine was a hilariously clear violation of their own policies re : accepting checks considering the large amounts, non-matching signatures, incorrect SSN information, and me not having set foot in Texas in more than two decades. 

When Regions learned on XX/XX/XXXX that the obviously forged checks were in fact forged and that the bank had taken a loss of {$6700.00} as a result of not following their own policies, they removed that amount from my savings account with no prior notice to make the bank whole. In a pandemic, no less. 

I filed a police report, followed up with credit bureaus, and submitted all of the proper paperwork with Regions. Regions told me they had 10 business days to make a determination and credit my account. When I went in today ( day 10 ), the bank told me they actually had 30 days to figure out what happened and maybe give back the money they took from my account to " fix '' their mistake, at least as far as Regions ' bottom line is concerned. 

I've read the deposit agreement and can't find any provision that would allow Regions to accept a couple of ( patently suspicious ) forged checks in some lawless southern hellscape a thousand miles from here and then make themselves whole by pilfering my XXXX XXXX XXXX 's savings account. But you do you, Regions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the recent Equifax data breach reported on XXXX XXXX, 2017, I am joining others in complaining about the lack of care this company took with our valuable personal information. We should not have to enroll in a service that they will charge us for once the so-called free trial period expires and we forget to opt out. Furthermore, the company 's former executives clearly violated SEC rules and made a bunch of money before making this known to the public. They should be fined and the proceeds go to provide credit monitoring for those of us affected by the data breach.
Product: Credit card

I had a Macy 's credit card with a {$300.00} limit and zero balance. In XXXX of 2016 Macy 's let someone call and report card lost or stolen and sent them a new card to an address in Florida. Next the credit limit was raised to {$2200.00} and immediately the card was used in XXXX, XXXX XXXX, and macys.com. In XXXX 2016 on a trip to XXXX XXXX XXXX I tried to use the card and it was declined. Upon my return home I received a phone call from Macy 's asking for payment on the card. I informed Macy 's that I had not reported my card lost or stolen and I did not live in Florida. I filed a police report and the necessary paperwork with Macy 's Fraud Investigation Department. Macy 's has now sent me a letter saying they did not accepted my claim as a fraud claim and sending my account to an collection agency. This is unacceptable!!! Macy 's has significantly damaged my credit score and my ability to obtain credit has been diminished. They have also reported false information to the credit reporting agencies and now all reports are inaccurate.