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

On XX/XX/XXXX, I sent {$40000.00} from my XXXX Bank of America account to my Spanish XXXX bank account. The money was stopped by Bank of America XXXX for compliance review. I have provided all the requested information to XXXX Bank of America multiple times and even requested for esclalation of the issue. I am still waiting as its been over a month and I have no access to my money. 
Every time I call, I am asked to wait and call back in 3-5 days. 
I am unable to contact XXXX office because they dont have a customer facing representative. I get no updates other than asked to wait and call back for status.
Product: Mortgage

My now-deceased mom was offered a second mortgage for {$250000.00} on her co-op in XX/XX/XXXX when she was XXXX years old, her only income was XXXX a year social security and in poor health. The lender, XXXX XXXX XXXX, could never have expected this loan to be repaid, as it was a 30-year mortgage with the first ten years 'interest-only, ' not going to the principal. She obviously had no ability to repay but must have accepted the offer to pay other debts, including her medical bills. It was only after she passed in XX/XX/XXXX I discovered these shenanigans. But I have insufficient resources to pay this underwater mortgage. They then declared a foreclosure sale date twice, but canceled both times. Now, the servicer refuses to offer a principal reduction or deed in lieu of foreclosure, and the contact person, XXXX XXXX at Seterus, XXXX extension XXXX, does n't even answer the phone or emails! They keep sending requests for documentation of my meager income, which is irrelevant, as I am not on the mortgage and my mom left no will. When I explained this, they falsely declared I " withdrew my request for assistance. '' My question is : what benefit are citizens getting from the XXXX, XXXX XXXX settlement XXXX XXXX XXXX supposedly paid for mortgage fraud? Thank you!
Product: Debt collection

I am filing this complaint against National Recovery Agency for repeatedly attempting to collect a debt that I do not owe. This debt is over 10 years old, and despite my continuous disputes and successful removal from my credit reports in the past, this creditor continues to pursue me for an account that is not mine. 

The original creditor, as per National Recovery Agency, is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and the amount they claim I owe is {$1100.00}. However, I have never had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and similar accounts have been erroneously reported to other debt XXXX in the past. 

Details of the Complaint : XXXX. Long-standing Dispute History : I have disputed this account with multiple debt XXXX over the last XXXX years. In XX/XX/XXXX, I successfully disputed a similar account with XXXX XXXX, which also claimed I owed money to XXXX XXXX XXXX for a different amount. That account was removed from my credit report after an investigation confirmed it was not mine. 

XXXX. Erroneous XXXX XXXX : Despite the account being resolved in my favor in the past, National Recovery Agency bought this debt and reopened the same false claim. They have reported it to credit agencies and continue to pursue collection activities, causing me distress and financial harm. 

XXXX. Incorrect Debt Origination Date : The creditor is now listing the debts origination date as XX/XX/XXXX, but I have been disputing this same debt under different agencies for over a decade. They continue to reset the clock on the debt, which appears to be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

XXXX. Repeated Pursuit of a Nonexistent Debt : This creditor is using the same erroneous information that has been used by previous debt XXXX, even though they have never been able to provide valid proof that this debt belongs to me. This is an egregious violation of my consumer rights, and I have had to spend countless hours and resources disputing this account every time it is sold to a new agency.
Product: Credit reporting or other personal consumer reports

Addresses listed on my Experian and XXXX Report that are not correct : XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian. 

Capital One Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Product: Credit card

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX ( Cardholder ) Regarding : Dispute with Cheapflightsfares and Best Buy Credit Card Services Date : XX/XX/XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am the primary cardholder of the Best Buy credit card used to purchase a XXXX XXXX XXXX for my daughter, XXXX XXXX, through the website XXXX  on XX/XX/XXXX. The booking reference number is XXXX, and the total amount charged was {$380.00}. The flight was scheduled for XX/XX/XXXX, on XXXX XXXX ( confirmation number XXXX ) from XXXX XXXX XXXX XXXX ) to XXXXXXXX XXXX XXXX XXXXXXXX ) with a layover in XXXX ( XXXX ). 

Unfortunately, due to an unforeseen emergency her father contracted XXXX my daughter XXXX was XXXX to travel. She contacted XXXX in advance to cancel the trip and request a credit or refund, but she was met with unresponsiveness. Multiple calls were not answered. Eventually, we had no choice but to file a dispute through Best Buy credit services because no assistance was provided by the merchant. 

After the dispute was filed, a representative from XXXX finally responded and advised canceling the dispute in order to proceed with the refund. We complied in good faith. However, after doing so, XXXX refused to issue a credit or refund and then refused to provide the required letter of dispute reversal that Best Buy needed to continue processing our claim. 

As a result, Best Buy denied the dispute, citing the lack of a reversal letter. Despite providing documentation that my daughter was a no-show and had called to cancel, both parties refused to assist us. Furthermore, we purchased travel protection insurance for {$30.00}, which also yielded no reimbursement or service despite the situation. 

This has caused undue stress and financial burden for a flight that was never taken, and for which we attempted to take proper action to cancel and seek fair resolution. We believe this conduct by XXXX and Best Buy credit card services is unfair and deceptive. We are seeking a full refund or at least a flight credit in the amount of {$380.00}, which remains unresolved to this day. 
I made multiple calls on multiple days and Ive wrote multiple emails the dates in XX/XX/XXXX, day XXXX, XXXX, XXXX Despite the fact that I started making multiple phone calls in XXXX to XXXX till XX/XX/XXXX We respectfully request your assistance in investigating this matter and holding the responsible parties accountable. Please see attached documentation including the ticket confirmation, itinerary, and cost breakdown. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I purchased a Western Union money order. The money order was never received by XXXX XXXX to whom the money order was sent. I mailed the original receipt ( as instructed ) and {$15.00} check ( which was cashed ) processing fee to Western Union. The refund, has not been sent. Customer service tells me they can't find the information. And various other excuses. I believe Western Union is  taking advantage of the less fortunate people that use the Money Order system to wear them down and keep their hard earned money. I would like my refund and request that an investigation be conducted by the Federal Government into this situation. How much money does Western Union keep from innocent people that just don't have the means to fight back. Re : Money Order # XXXX Amt. {$260.00}. Processing fee sent on XX/XX/2018. ( CASHED ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had made mortgage payments to Ocwen Loan Servicing for the past 3 years via their automated phone pay and in return I would receive a confirmation number. However, beginning XX/XX/XXXX Ocwen did not withdraw the money from my bank account. Believing that this was a mistake and they would get it corrected I made my XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX payment the same way which also was never withdrawn. In the meantime, I had started proceedings to have my home refinanced through my local bank. I then requested a payoff balance and was given a figure to which my bank wired the monies to Ocwen. XXXX days later the wire was sent back stating that it was short and they filed for foreclosure of my home for non payment. Not once during the length of this loan did I ever receive a statement, notification of non payment nor a phone call in regards to this matter. Needless to say it became a very grueling task to get this companies cooperation. After almost 3 months we were able to get them to give us a payoff amount which included unfair foreclosure fees
Product: Credit reporting, credit repair services, or other personal consumer reports

They also violated my rights numerous times. 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 a 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have called many times and submit paperwork that this information on this report is wrong and not mines. No other reports show this information but them
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld system Inc has placed a utility on my credit for something that was opened in Texas. I have never lived in Texas and filed police report and a fraud statement. and sent that into Transworld. I also sent in a dispute to the bureaus and they did not remove the account and further went on to claim that Transworld verified. I have never even been to Texas and do not know anyone who is there. This is not my account and I am in the process of getting a new home. I have done everything that Transworld has asked that I do and sent it in. I need this deleted as soon as possible as I have lost points on my credit score for something that is fraudulent account.
Product: Credit reporting or other personal consumer reports

As previously communicated, these fraudulent items inaccurately reflect my credit history and could have serious consequences for my financial future. I have provided extensive evidence supporting the fraudulent nature of these items, yet they remain on my credit report. Despite numerous attempts to address this issue, the fraudulent entries persist, causing significant distress and impacting my financial standing. 

If there are any additional steps I need to take or any further information you require from my end, please do not hesitate to let me know. I am committed to working together to resolve this matter as quickly as possible. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Owed : {$7600.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX HAS REPORTED THIS INFORMATION ON MY CREDIT REPORT. THER ARE DISCREPANCIES AND THE COURTS HAS ADVISED THEY HAVE NOT REPORTED ANY INFORMATION AND IM DEMANDING IT BE REMOVED!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX ( XXXX account ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Checking or savings account

I paid for a service and course that was {$2900.00} usd on XXXXThe course was a scam. I didnt receive any secrets promised because they are already on his social media and I didnt receive my full service, which was supposed to be 5 properties chosen by XXXX XXXX directly . I dont believe he was the one who even chose them out because one of his assistants called me to onboard instead of himself. One of the properties he chose had already been sold and I told him but he never gave me another property chosen by him. My banks Well Fargo have taken about a month now on my dispute and is telling me they cant do anything about despite me literally sending in proof of his promised service and messages between us showing he never completed the service. Instead, he told me that I can keep getting properties until I can close one, but the agreement was that he was going to do that for me. My bank is asking me for terms and conditions, but I have no way of getting those terms and the companyXXXX XXXX that charged me doesnt offer refunds. Is there anything that can be done? I already submitted proof and my bank wont accept it.
Product: Credit reporting or other personal consumer reports

I have multiple unknown inquiries that I did not authorize and don't recognize.
Product: Mortgage

We were issued a XXXX Loan # XXXX on XXXX XXXX, XXXX. That mortgage was transferred for servicing to PennyMac Loan Services , LLC ( Now Loan # XXXX ) effective XXXX XXXX, XXXX. Since that time, PennyMac has erroneously claimed on 3 separate occasions that we have failed to insure our mortgaged property at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. On 2 prior occasions we have provided proof of insurance and on both occasions they have attempted to charge us for exorbitant insurance, which obviously, we refused to pay. Now, they are erroneously claiming for a 3rd time that we did not have insurance in XXXX ( including several months prior to them servicing the loan! ) and they are now attempting to charge us for {$4400.00} for Insurance Escrow when our insurance is already paid in full for the entire year expiring on XXXX/XXXX/XXXX. Today, we are sending them for the 3rd time, proof of insurance from XXXX XXXX XXXX XXXX covering the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Please stop PennyMac from this continuous harassment and require them to correct their records. Additionally, our loan documents specifically demonstrate that there is NO ESCROW money required. Thank you, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute information on my credit with Experian they keep replying back within one day of my dispute updated. I have never received proof or validation of account and will like my accounts removed as to showing my prove for XXXX XXXX and XXXX account paid off never late A collection for XXXX was never verified I was never giving proof or validation from creditor or credit bureau I feel like they not following the proper guidelines and are failing to do to proper investigation as to the fair credit act I will like validation from all my disputes immediately verifying validating these account
Product: Debt collection

The collection company, First Point Resources, has yet to show proof that I did NOT pay an alleged to debt to XXXX  XXXX XXXX. They've only showed a bill. There's nothing to show that I did NOT pay the bill. They just choose to tarnish my credit worthiness without proof and taking the word of their money hungry client XXXX  XXXX XXXX.
Product: Credit card or prepaid card

I bought a car, I was told the First Bank needed an inquiry on my credit for the loan. I unlocked my credit report. Got approved, got the car. When the paying slip arrived, it came with a credit card. I thought it was a promo. when I created my account on XXXX/XXXXXXXX I noticed a line of credit for XXXX dollars. I never authorized nor signed anything. Called he dealership, they said to call the bank. Called the bank and they said the inquiry for the XXXX was used for that, but they are asking if I received a phone call when I requested the signed document. When I check my XXXX XXXX Account there is no data on any other credit card, which was supposed to appear if it was approved if I had requested it. This credit card was sent to my address without my knowledge. So many risks in this transaction, including fraud. They said they will create a case and give me a resolution. My hard work is not a game.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the amount claimed for terminated cell phone service with XXXX and its collection agency. I then filed a complaint on this site. The collection agency, XXXX then sent an email stating that it was no longer handling the account. I was told to contact XXXX directly. XXXX then forwarded me to I.C.Systems. I.C. Systems advised me via telephone that it has opened up an investigation with XXXX. The dispute is never investigated and addressed. The account just gets transferred and the cycle and damage to my credit continues.
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 violate 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 procesr 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-o.

financial loss, and I seek appropriate redress for these violations
Product: Credit card

I have had my XXXX XXXX XXXX  for a while. I signed up for autopay and trusted comenity bank to honor this. Without my knowledge, Comenity bank decided to stop my autopay setup because according to them their system was incorrectly calculating the minimum payment amount due. How is this the consumers fault? Couldnt Comenity fix this without stopping the autopay setup? The autopay was set to whatever minimum payment amount comenity indicates and it was not set to a specific amount. They then added a missed payment on my credit report and I didnt notice the autopay was stopped until I logged into my account. I messaged them immediately asking why it was stopped and why I was not notified. They admitted that their system was calculating the payment amount incorrectly so they stopped the autopay. How is this the consumers fault? They then tell me that as a gesture of goodwill they will investigate the matter and let me know the result. I got the letter stating they cant change anything on my credit report