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

On XX/XX/2023, I sent an Apple Cash payment to a family member in the amount of XXXX. At the time, I didnt realize I had a balance of {$27.00} on my Apple Cash  card, so it deducted that balance and debited the other {$620.00} from my XXXX checking account. The next day ( XX/XX/XXXX ) when I saw the transaction in my checking account activity, I did not recognize the amount ( and frankly, in the moment, I didnt even recall sending the Apple Cash payment for XXXX the day before ), so I mistakenly filed a dispute with XXXX and told them I had not authorized that transaction. The next day, XX/XX/XXXX, I realized my mistake and called XXXX to withdraw the dispute. They quickly sent me a letter indicating that they understood I no longer wished to dispute that transaction, that they had closed their investigation and no further action would be taken. I have attached that letter in PDF format. My Apple Cash  account, however, has been restricted ever since and I have not been able to restore access to this service, which I have routinely used for years. Ive spoken with both XXXX and Apple Cash Support at least 30 times over the last 4 months. Every time, without fail, Apple Cash insists that they can not restore my account until XXXX withdraws the original dispute. XXXX repeatedly insists that they have no way to notify Apple Cash or withdraw the dispute on my behalf. It appears that the systems that manage these types of fraud claims are completely automated and are mutually incompatible - Ive elevated my complaints to numerous supervisors and fraud specialists and have been told repeatedly by both XXXX and Apple Cash Support  that nothing can be done to withdraw the dispute and restore access to my Apple Cash account. Ive also been told by XXXX that they use a third party agency called XXXX XXXX to manage their fraud claims, and that they have no way of contacting XXXX XXXX to withdraw this particular dispute. Apple Cash has indicated that their customers use other banks that also use XXXX XXXX for fraud resolution and have never experienced this problem. But it appears I am permanently locked out of a service that Ive used for years because I mistakenly disputed an authorized transaction, and XXXX and Apple Cash are unable or unwilling to withdraw or otherwise resolve this dispute.
Product: Credit reporting or other personal consumer reports

For all of the complaints I filed on this site, Equifax repeatedly claims to be looking into my disputes, but weeks later I only receive the attached letter which says they are NOT looking into my disputes! Hence the reason this bureau has been sued. They do everything they can to NOT follow the FCRA laws and to LIE to the CFPB who is very slow to catch on to their games. The CFPB did not sue you for enough, the number should have been billions not millions, because you have no intents on resolving or investigating any of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

The three major credit reporting bureaus XXXX, Experian, and XXXX are not removing non verifiable adverse accounts off my account. XXXX XXXX XXXX, has never provided me with ALL the accurate verifiable information, so I am sure they could have not provided it to the credit bureaus. These credit reporting bureaus know they are getting paid by these companies to falsely place and keep negative items on consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

TransUnion has reported the following : COLLECTIONS XXXX XXXX  XXXX XXXX XXXX : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : 30 DAYS LATE XXXX XXXX : 30 DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX & OUTSTANDING XXXX XXXX XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

XXXX has reported : Collections : ( XXXX XXXX ) XXXX XXXX : 30 DAYS LATE XXXX  XXXX : 30 DAYS LATE XXXX : XXXX XXXX  : 30 DAYS LATE XXXX XXXX : 30 DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update for the history of the account and to the payment history. A charged off account should not include an active payment history or status. This inaccurate reporting and information falsely manipulates the status of limitations. They have failed to investigate this account properly and your non compliance has not only violated my rights but also the FCRA rules. I am demanding the deletion of the following account. 

XXXX  XXXX Account Information XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

from ; XXXX XXXX XXXX ... thank youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and erroneous accounts appearing on my credit report as maintained by your agency. Since I have been affected by the XXXX and XXXX Data Breach I have attached my XXXX Credit Report that clearly has removed the accounts in question due to the data breach.
Product: Debt collection

During my tour in XXXX I had several issues with XXXX XXXX housing. The move out charges that are quite expensive and often lowered once they are confronted about the discrepancy of their claim. In XXXX, I paid this move out fee, with email confirmation from a representative from the housing office confirming that we were paid in full. I also have the bank statement showing the money was paid. During the month of XXXX to XXXX I started receiving letters from a law firm requesting that I pay my debt to XXXX XXXX housing. They claim that I owed {$250.00} but provided no justification to my debt. I was unable to contact the law firm and every attempt to reach out to XXXX XXXX housing was met with silence. I did reach out to a community service rep from XXXX XXXX XXXX who claimed that she forwarded my email to the higher office but I never received any further correspondence. I sought out assistance from the legal assistance office here in XXXX who has also been unable to contact the collection firm or the housing office.
Product: Credit card or prepaid card

I tried submitting a payment for my entire bill a total of 5 times ( see attachment ). Each time, Synchrony Bank has rejected my payment. Upon reaching out to this lender, I was told it was because I have not yet activated my card, which I haven't received after months of waiting. 
At this time, I consider that these are abusive practices and I want to pay my bill in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are not mine. Thank You!
Product: Mortgage

We were in the process of purchasing a home from XXXX XXXX using NVR as our lender. We were originally scheduled to close in XXXX of XXXX ' and got delayed due to some credit issues on my end. The underwriting process went on on for a few months and NVR kept requesting additional documents to try and help push the loan through. In XXXX of this year more documents to NVR which were provided to them. On XX/XX/year> after XXXX more documents were asked of me by underwriting which were provided the very next day. I provided these documents to NVR and our underwriting and soon after received a document stating since I did not provide documents in time they would keep our deposit due to breach of contract. During this process whenever documents were asked for they were provided in a timely manner. Shortly after this incident we found the house for sale already so we feel we were mislead and lied to by NVR mortgage. We would like to get our deposit back as all conditions were met by us as set by NVR.
Product: Mortgage

The loan servicer has failed to pay out of the escrow account money due for annual water and sewage tax. As requested we have scanned and e-mail the bill to the loan servicer on XX/XX/2020. They have failed to make the payment, we have called at least three times to try and get action taken without success. We are now late for this payment. The Company is LakeView Loan Servicing , LLC ( XXXX ) the loan account number is XXXX. The trouble ticket number is XXXX XXXX # XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I need to highlight the outrageous inclusion of accounts falsely labeled as late payments on my credit report. Despite my unwavering track record of making responsible and punctual payments as a devoted customer, these accounts are unjustly depicted as delinquent. This distortion is intolerable and requires swift correction.
Product: Debt collection

Formal complaint Against ( IQ DATA INTERNATIONAL ) for violations of 12 CFR 1006 Dear CFPB, I am writing to file a formal complaint against ( IQ DATA INTERNAL ) for violation of multiple provisions of 12 CFR Part 1006, also known as Regulation F, which governs the practices of debt collectors. I believe the collection agency has engaged in actions that infringe upon my consumer rights, and I request your assistance in addressing these violations.

IQ DATA INTERNAL failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt exist. 

IQ DATA INTERNAL has failed to provide the required validation information after attempting to collect a debt under 12 CFR 1006.34 ( b ) ( 5 ) : they are to supply clear, complete, and accurate validation of debt I have not received any such information.

The collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Additionally, the collection agency appears to violate 12 CFR 1006.18 by engaging in false, misleading, and deceptive practices. They have placed this collection account on my consumer report despite their failure to provide me with accurate and lawful validation of the debt, specifically the alleged contract or the other instrument bearing my signature. This conduct and misrepresentations have created unnecessary harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX insurance company. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : 1-SANTADER CONSUMER XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report. 
Thank you for understanding and your assistance.
Product: Debt collection

Female only identified as XXXX XXXX called my personal cell phone leaving a message. Said I needed to call her back and that it was very important. Upon calling, the company directory only identifies itself at XXXX. Accessed the correct extension and the female advises me I owe {$38.00} to an apartment complex. I told her I purchased a home multiple years ago and she said it was from 2013. I have never been contacted about this debt previously and had no idea what it was in reference to. I asked for her to send me a bill because I wanted proof they were a legitimate, reputable company and did n't feel comfortable giving my banking information over the phone. She advised me while I was waiting on the bill she was going to report my debt to my credit and housing report ; yelling saying I was ridiculous. I advised her I work for a police department and that I see fraud everyday and only wanted to protect myself. She advised me that she already knew I worked for the police department because she just called my place of employment since I did not answer my cell phone. She continued to yell at me over {$38.00} so I requested her supervisor. Her supervisor was not of much help but identified himself as XXXX XXXX. He gave me the phone number to the company I supposedly owed money to and gave me his extension so I could call him back rather than the original XXXX XXXX. I told him his employee was outright rude and had no right to yell at me and that as a woman with perfect credit who happens to be XXXX weeks pregnant, I did not deserve to be treated the way I had been treated. He advised me to calm down and that she was not rude. He admitted that he had not listened to the conversation between XXXX XXXX and I and had no idea what she said to me over the phone nor knew if I was rude in return. ( I was n't ) I also told him not to tell me to calm down if he had not dealt with what I just had to deal with and I had not even raised my voice. - Upon calling the phone number XXXX XXXX gave me, the apartment complex representatives were extremely helpful and willing to pull my debt from collections. I am an extremely responsible person and do not avoid my responsibilities. They had no right to call my place of employment, they had no right to yell and belittle me, they had no right to harass me over {$38.00}, and they had no right to deny me proof or explanation of debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had opened a complaint about inaccurate information on my credit report and demanded XXXX and Equifax fraudulent Divisions to resolve information from XXXX XXXX  XXXX XXXX XXXX to be removed. The complaints are currently closed but the information is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not investigate my XXXX XXXX XXXX XXXX it still shows a balance that is incorrect. 

Equifax did not investigate an account on my credit profile for U S Dept of Edn/XXXX that is not my account and I have neve had an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

On a Consumer Credit Report from Equifax dated XX/XX/XXXX is a tradeline furnished by XXXX XXXX with a date of last activity XX/XX/XXXX and a status of pays as agreed. 

Equifax told me in XX/XX/XXXX that paid as agreed tradelines with a date of last activity older than 10 years would be deleted from my file. 

XXXX XXXX has never appeared as a furnisher in Equifax Consumer Credit ReportXXXX that I have received from it in the past. 

I have no record of ever getting a loan from XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I took a loan with Speedy Cash in XXXX or XXXX XXXX it was my third loan, as I am lower income and needed cash. I couldn't pay it back in full after other financial hardships, and stopped them from taking the excessive payments from my bank account by closing my account. The two previous loans I had paid in excess of 300 % interest on {$300.00} loan. This last loan I believe was {$350.00} or {$500.00}, but I no longer have access to their login to see my account. 

In XX/XX/XXXX, they sent me a summons from my county courthouse. I responded timely, but asked them to provide me proof of the loan and the balance due. They were asking for over {$1800.00}. Per the Fair Debt Credit Protection Act, they had thirty days to provide me proof of the loan debt and the balance owed. They did not. 

on XX/XX/XXXX, I get an email from XXXX ( no last name was given ) at XXXX, stating I was to appear in court via phone ( due to Covid-19 I assume ) and a copy of the summons was attached, showing I had a phone court date for XX/XX/XXXX. No time given, and still no requested documentation was given to me. 

Today, I emailed this XXXX to inquire on the time of the court appearance. I received a response, with a totally different Notice of Hearing form I had never before seen or was given to me,. with the same XX/XX/XXXX date, and a XXXX hearing ( conveniently this Notice of hearing now had a time listed, as the previous one did not ). I now have to take a day off work to deal with this, and i still have not received the documentation I asked for, as provide by law ( FDCPA ), and I am not about to give thousands of dollars to this predatory payday loan company. I am considering taking legal action in the form of a class-action lawsuit, which by an online search, they have had several against them. 

I feel that after paying off two prior loans with them at astronomical, predatory interest rates, and falling victim to hard times shortly after this loan was taken, i should not have to pay back anything more than the original loan amount plus the annual normal interest rate of 18 %. 

I also have further documentation at home from the XX/XX/XXXX summons and my response to them, if I can send that to you as well.
Product: Money transfer, virtual currency, or money service

Through my bank, XXXX, and via XXXX, I sent XXXX, to my brother for medical reasons. I sent XXXX for three months straight, to help him. He just had his XXXX XXXX and lives alone. 

It was totally my error! 
I sent the money to a man in Florida because his phone number was one digit off from my brother 's. 

I understand XXXX can not refund my money because I made the mistake. 

However, when I contacted the gentleman in Florida who's phone number is similar to my brother 's, he returned my money to his Wells Fargo Bank. Wells Fargo told this gentleman, that it would be returned to me. They gave him a case number and two reference numbers. They did not give him a reference number for the third and final return of the XXXX. 
When he returned the final XXXX, they said this was a fraud case and made him change his account number. 
This statement of fraud confuses me, because nobody is taking money from this gentleman. 

After I first spoke to the recipient of my money, I made a report with my XXXX bank. This report should still be on file. 

Next, I went to Wells Fargo with the case number and reference numbers, to see if they could tell me where my money is. I asked them, when will I receive my money? 

Wells Fargo said, they can't look up the case number, because my identity can't be proven. 
I offered to give them my bank information, my social security number, driver 's license, and/or my birth certificate. They said sorry, we can't help you. 

I went back to my XXXX bank to see if they could assist me. 
They said they can't retrieve my case and reference numbers from Wells Fargo, either. 

Bottom line is, Wells Fargo has my XXXX and I need it back, desperately. Wells Fargo refuses to look up my case number, and find out where my money is. 
I don't know where to turn for help. I'm not going to allow a bank to keep my money. Please help me! 
Sincerely,
Product: Credit reporting or other personal consumer reports

Bankruptcy, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXt filed as identity theft. Bankruptcy does not report to credit bureaus as stated in the letter
Product: Mortgage

I submitted CFPB Complaint # XXXX on XX/XX/2018 to request assistance with an issue we were having with our mortgage company refusing to recalculate our payment following our county authorizing a 100 % exemption from our property taxes because I am a 100 % totally and permanently XXXX veteran. On XX/XX/2018, XXXX XXXX XXXX, Director of Customer Service XXXX XXXX XXXX, responded saying the company had performed a new escrow analysis, had recaulculated our escrow and payment requirement, and would be issuing an escrow surplus check ( due to the overage in our escrow account ) in the amount of {$4900.00} within the next 5-10 business days. As of XX/XX/2018 ( 12 business days ), I have still not received this check. When I contacted the company they said they would have to check into it and would try to have the check mailed by XX/XX/2018. When I asked if, since they had not fulfilled their promise, they could have the check XXXX  to me, the representative said he could not guarantee they would do that.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 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 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 the account does not belong to me. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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