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

I had a baby but I was covered by XX/XX/XXXX XXXX  my billing ID # was XXXX at the time that should have covered all of my accounts with this company before it even got to a collection agency. They keep trying to say I owe this debt in which I do not. They haven't even attempted to bill XXXX.I moved from Nevada due to my husband suffering a XXXX but prior to the move. My XXXX was approved it just needs to be rebilled the name of the company is AARGON AGNCY XXXX XXXX I have about 4 accounts with them but they are refusing to help me or remove these accounts and they are affecting my credit.
Product: Debt collection

Two accounts from the XXXX on XXXX were placed on my credit report. One account that stated I owed was verified to be inaccurate and promptly removed from my credit report. Rent Recovery was notified that there was a mistake in the accounts and that it should be removed as well. They refuse to do so. I have been contacting them for the past 2 years to no avail. I am told that it is in dispute and will not show up on my credit reports, yet it does. This is clearly a violation of the FDCPA which states that correct information should be updated in a timely manner. I need this account deleted from my credit report asap as I have waited for 2 years now and my account representative, XXXX XXXX, keeps placing me on hold or sending me to voicemail.
Product: Mortgage

I am XXXX XXXX XXXX XXXX. I choice to utilize my VA option for my home loan/purchase. I originally received my home loan through XXXX XXXX XXXX XXXX, they then transferred my loan to Penny Mac, this last XX/XX/2019, they performed an escrow analysis. My monthly payment went up by around {$540.00} dollars a month, original payment was {$1500.00} now it is {$2000.00} I feel this is super inflated for escrow when it should have been rolled into my original monthly payment as agreed when I took out the loan for my home. I have called several times, and have been in email communication with them as well. I provided them tax statements, insurance totals, homestead, everything to show what has been included for escrow. Bottom line, not many people can afford a {$500.00} increase in their mortgage payment every month per year.
Product: Money transfer, virtual currency, or money service

PayPal -negative {$3000.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a XXXX check for my minor child that was given to her as a birthday gift from my uncle. My daughter turned XXXX this year and is not capable of managing XXXX. I have deposited checks to my account for my minor children over the years and it has never been an issue. On Saturday, I lost access to my account. I called on Sunday morning and Citibank stated there was fraudulent activity and I had to call back on Monday when the fraud department was open. I did that. I spoke to XXXX. I verified with him that the check was for my minor child. He said not a problem the hold on my account would be lifted by today ( XX/XX/XXXX ). The hold was not lifted, so I called back. They stated my account was approved for closure! And that they do not accept third party checks. No one would help me. They treated me like a criminal. I explained that I have deposited checks for my daughter several times over the years to which they state I did not. I pulled up My emails with the dates of the deposits and informed them. The lady said okay so we still have to verify from the person who wrote the check. This is absolutely horrible and they treated me so poorly. I am humiliated.
Product: Debt collection

This company has reported this debt on my report report has being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all XXXX credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
Product: Credit card or prepaid card

On Saturday, XX/XX/2023 I received 2 deposits to cash app totaling {$250.00} less cash app fees so about {$240.00} which gave me a balance of {$250.00}. There were no pending transactions and less than 2 hours after the deposits my balance dropped to {$3.00}. I immediately reached out to cash app and they keep telling me to dispute a transaction, but what do I dispute when all the transactions have posted and nothing is dated for the date in question? I have contacted support 4 times and now all they keep saying is an error occurred between XXXX and XXXX, but that is all the information they can provide. I can file a dispute. 

People told me cash app was taking their money since the owner died, but I thought they were mistaken. Now I know they werent. I plan on telling them to file a complaint as well.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and some things were not correct. I sent a letter to TransUnion on XX/XX/year>, it has been more than 35 days since the credit bureau received the letter and there has been no response. Now the debt collection company has another company reaching out to me by the name of XXXX that is representing the debt collection agency. I received a validation of debt from XXXX and now emails from XXXX, stating that the debt exists but there is no verification of the debt stating that this account belongs to me. I was sent a letter showing that the documents originated at their company instead of the company I allegedly owe. 
It has been more than 35 days and that is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). 
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 directly, or indirectly through 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer reseller. 
TransUnion legally and professionally should provide details of the investigation.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX XXXXXXXX Date XXXX Account Number Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX Date XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX
Product: Debt collection

This is an official complaint against Bank of America ( BOA ) and its collection agency, XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I contacted XXXX by phone to amicably settle my debt with BOA. XXXX XXXX XXXX who is a Customer Service Representative with XXXX took my incoming phone call. During my recorded phone conversation with XXXX XXXX, I was " ambushed '' with a bombardment of verbal abuse, constant harassment, malicious acts of intimidation and a strong sense of retaliation all because I failed to pay my debt to BOA. Also, within the attached settlement letters of XXXX, I was subjected to several deceptive, misleading and unfair collection efforts as I 've indicated below : ( 1 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX for a 30-day deadline of XX/XX/XXXX to settle my debt with BOA. XXXX XXXX verbally agreed but he ultimately denied my request in writing by unfairly punishing me with a same day deadline of XX/XX/XXXX. See attachment letter. ( 2 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he verbally denied my request and he vindictively gave me a deadline date of XX/XX/XXXX. See attachment letter. ( 3 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he rudely hung up the phone on me when I informed him that I would file a Federal Trade Commission ( FTC ) complaint against him and XXXX. ( 4 ) On my 4th attempt to settle my debt, which was also on XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of XXXX to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX. Fortunately, once XXXX XXXX learned that I would file a FTC complaint against XXXX, he quickly agreed to send me a correction settlement letter with a deadline date of XX/XX/XXXX. See attachment letter. ( 5 ) During my same above phone call with XXXX on XX/XX/XXXX, I repeatedly asked XXXX XXXX to make an amendment to the below listed 2nd statement that is located on the first page of my XXXX letter, but I was constantly denied. This following 2nd statement is extremely misleading and it clearly implies that I have to make a 2nd payment to settle my debt : " To accept this settlement offer, our office must receive the first payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer  notice. '' Please be advised that I repeatedly asked XXXX XXXX to make the following correction to the above quoted statement, but I was constantly denied : " To accept this settlement offer, our office must receive the first and final payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Clearly, BOA and XXXX has engaged in a conspiracy to bully, deceive and invoke fear upon me in order to aggressively collect a debt. These corrupt activities by BOA and XXXX is a direct violation of the Fair Debt Collection Practices Act.
Product: Checking or savings account

I have not received my direct deposit for more than two days! They just say they have technical problems and I try to call them but they keep me on the line for more than 30 minutes. 

XX/XX/year>XXXX  {$500.00}
Product: Payday loan, title loan, personal loan, or advance loan

Paypal claims I owe money from a pay in 4 transaction. this happened as a result of me filing a dispute incorrectly with my bank. After a day, I cancelled my dispute with my bank and paypal was refunded the dispute amount. Paypal has no record of the cancelled dispute. I have proof from my bank that the disputed amount was paid. I also was sent to collections and after sending copies of my proof pay pal admitted and apologized for their mistake and I was given proof in an email that my account was flagged incorrectly. I also reported this case to the XXXX and I was able to get a response from paypal. 
Fast forward a year later I tried applying for a paypal pay in 4 and I was denied credit due to my account being delinquent. They told me that paypal changed their mind about this case. How could they do something like this this is ridiculous. The new representative told me the previous person who said I owed nothing was wrong. I need your help -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft, due to the identity theft there have been several accounts opened up using my information that I did not open nor did I authorized it to be opened up using my information.
Product: Credit card

After struggling to pay down my bill with my planned payments. I realized that Bank of America had increased my fixed interest rate from 6.5 % to 10.99 %. I have had this card since XXXX and the rate was fixed at 6.5 % until sometime in XXXX. I am not sure when. I called to request that they lower it back to the original fixed, provide a refund for the overcharged interest, OR provide me with the agreement I signed to change the card 's terms. I was told " you didn't think you would have 6 % forever, 11 % is still really good for most of today 's rates ''
Product: Mortgage

XXXXXXXX XXXX XXXX I applied for a hardship program with my mortgage company and was denied. XXXX XXXX I appealed there decision. About a week later I got a letter stating I will hear from them within XXXX days but never did. The letter also stated every XXXX days they will keep me updated with what's going on with my mortgage and they haven't. We called in the middle of XXXX to see what was going on and our account XXXX told us they won't approve us for a hardship program and they are going to take our house. We got another account XXXX and on XXXX XXXX it was agreed that if we could make the XXXX payments at XXXX time to get caught up they would accept it. On XXXX XXXX we called our mortgage company and let them know the payments were sent out. XXXX weeks later we called to see why they haven't cashed the checks yet and they told us they didn't receive them or return them. The gentle man than told us if it wasn't a certified funds they couldn't accept the payments because they put us in foreclosures XX/XX/year>. On today we haven't received official paperwork that we are in foreclosure.
Product: Checking or savings account

I had submitted a complaint with CFPB on XX/XX/23. Marcus by Goldman Sachs closed out complaint saying they resolved the issue. They have not. On XX/XX/23 I called and spoke with XXXX who was going to transfer funds out to my XXXX XXXX XXXX. On XX/XX/23 I received a call from XXXX at Marcus by Goldman Sachs saying that Marcus denied my transfer but I could reinitiate it on Monday XX/XX/23. On XX/XX/23 I read the response from Marcus in which it states the transfer was requested and is being processed on XX/XX/23. I did call Marcus back after reading this response and spoke to XXXX who initiated another transfer. I am filing this complaint as I have been told different answers every time I call and still do not have my money back after almost three weeks of non stop calls to this company.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - Received email regarding dispute letter I mailed in. 
XX/XX/year> @ XXXXXXXX XXXX XXXX XXXX XXXX. Tried calling customer support number provided by Experian for assistance regarding email. Automated service system will not put me through a specialist. Response of automated service system states " I'm sorry, I can only transfer calls in limited circumstances. '' or " I can't get you to a specialist right now. '' Outcome is still the same. Unable to speak to a real specialist from Experian. This situation has been going on for four months. I have not been able to speak with someone regarding my concerns about my dispute or the emails I have received.
Product: Money transfer, virtual currency, or money service

We were scammed out of {$5000.00} via XXXX. 

The scammed sent picture of phony bank account, fake Chase Bank automated messages etc. had us transfer {$5000.00}. 

Chase and XXXX both said we will not be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : has violated my rights with the accounts 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 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 XXXXXXXX Laws listed below states my rights have been violated ; 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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