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

On XX/XX/XXXX, some people sent me a cashier check for {$290000.00} from XXXX XXXX XXXX and asked me to transfer that money to two accounts as a favor to paid them for web sites and graphic designs stuffs. I did it because they told me that they will hire me to do a web site for their restaurant. I believed them. 
Later that day, my bank account was in negative because the check was void. 
I called Bank of America to stop all the transactions and they told me that I should ask them for the money instead. Obviously they sent me another check with a larger amount but I went to the police and called the bank again to proceed with a claim. A month later the bank told me once again that they cant approve the claim and that I should talk to the people that rob me. Its ridiculous how they just believe that this people will give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent disputes via mail on XX/XX/2019 to Experian to dispute in accurate reporting of late payments from XXXX XXXX XXXX  XXXX. 

Experian failed to investigate in 30 days.
Product: Credit card or prepaid card

I had this account back in 2014 and it was closed but it still reflexing my late payments on my XXXX, XXXX, XXXX  report. This shell card was used onced. And i fell on hard times financial. This late payment is over 6 years old, can we please remove it, i'm trying to qualify for a home for my family. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute for an ongoing issue with XXXX XXXX XXXX XXXX, who is incorrectly reporting, and requested to have it looked into. I contacted Equifax and XXXX, using their online dispute systems. Equifax said my results were ready, and gave me a link to their website to check the status. I have gone back periodically for the last 2 weeks and the system has been down. I spoke with Equifax technical support and they knew of the issue and would not tell me when to check it. I called Equifax 's customer service and they asked me to verify my identity with information I could not have ( My major credit cards and their monthly payments ) and would not help me until I verified this information. I asked for the dispute information to be mailed, but they insisted it had to be in writing. I believe Equifax is making it so difficult to get or view your dispute and credit information that it is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/XXXX closed my account for my credit card for no reason, reasons I believe are predatory and unfair for all consumers. I have had this credit card for only 5 months. I paid it on time each month IN FULL. I have never held a balance. I went to XXXX XXXX and come to find out my card was closed for no reason. I had recently bought a car because I was in a severe accident. I can not believe my account was closed without warrant. What makes the matter worse is there was no communication, either by phone ; email or USPS advising me of my cards status. 

I am beyond disappointed that someone can make payments on time and use the card responsibly and a company can be so predatory in its lending practices that they close the account because my score dropped a few points. I understand they can probably close an account at any time, however, why do so if the open account does not harm your bottom line and there is no negative information on the established account to otherwise warrant a closing of an account? It makes you wonder what kickback is Synchrony Bank getting out of the initial account opening, that they would close an account only 3-4 months later? An account that has established positive everything? WITHOUT even considering the positive account history and on time payments. Not only does this affect ones utilization ratio, which influences my score, Synchrony Bank has now closed a newly established account causing even more of a negative impact to my credit rating. In addition, after they closed the account after 3 months, they are still reporting information to all credit bureaus on my behalf and have a derogatory remark, Closed by grantor I want my account restored and credit repaired. Any corporation, who misuses consumers trust to maintain its business, shouldnt be allowed to operate and continue to practice predatory lending. They too should be held to the same fair lending practices as any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACURACIES ON MY CONSUMER REPORT. XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). COUNTY OF  XXXX XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( XXXX ). 


I ASKED YOU TO DELETE THE ACCOUNT BECAUSE OF ALL THE INACCURACIES, I DIDNT ASK YOU TO CHANGE DATES THAT WERE INACCURATE. YOUR INACCURACIES ARE STOPPING ME FROM A MORTGAGE AND MY KIDS THRIVE AND GROW, DELETE IMMEDIATELY INACCURATE ACCOUNT DATE ALL OVER MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXXBankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

XXXX XXXX offered XXXX Membership rewards points for spending {$3000.00} within 3 months. I have since earned points on XXXX XXXX, 2017 as a result of meeting the terms and conditions of the offer. XXXX XXXX will not allow me to access these points due to a " review '' and can not offer a concrete timeframe on me being able to use them. I request that they release these points for use, as I have met all of the terms and conditions of the offer, and my card account is in good standing. I made an effort to resolve this via XXXX XXXX, but the representative could not assist, and claimed the review was not something he could influence.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checkin account at BMO Harris. On XX/XX/XXXX, I deposited XXXX $ worth of checks with mobile deposit. They started a fraud investigation. Around XX/XX/XXXX, I was told the account was closed and I would recieve a check. On XX/XX/XXXX, I see on my account " Close '' and XXXX XXXX Around XX/XX/XXXX, I never received that check. I called, and I was told that I would not received a check, that is the standard script they read. Instead, my money was put in unclaimed property. They refused to give me any form of documentations, paperworks, nor any procedure to recover those funds. Only that XXXX  XXXX  have to claim the money. Signature bank ( now XXXX ) doe n't know what to do, they ask for a letter for misapplied funds. BMO refuse and ask for an Hold Harmless Letter. So I am stuck between those two banks.
Product: Money transfer, virtual currency, or money service

XXXX Client : XXXX XXXX XXXX XXXX # : XXXX Contacted Retirement Services again and another timeline was provided for the simple transfer of my money from the IRA into my checking. 

Spoke with XXXX a XXXX at Citibank whom added another extension to the deposit of the funds from my IRA into the checking account. 

On Friday XXXX the representative stated that it takes XXXX hours to post into my account. 

Now XXXX added XXXX hours more stating the money would be available on Friday XX/XX/year>. 

Citibank continues to change the dates and is not honoring their deposit timeline. 

Please deposit the money from my IRA into my checking. 

XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021, Arvest Central Mortgage withdrew our mortgage payment in an amount that exceeded my normal payment by nearly {$1400.00}. I contacted them and the first response I received was " your county must have raised your taxes, resulting in an increase in your escrow. '' Knowing there was no way my taxes increased by that amount, I checked the XXXX County, Ohio website to see what taxes were paid on our 6 parcels and requested a copy of the recent escrow analysis.

It turns out that Arvest was paying on parcels that we did not own, paying incorrectly on the parcels we do own, and calculating our current and estimated future escrow account incorrectly. I contacted them again and they requested that I send them screen shots of the parcels we own, which I did. I am not sure why I had to be the one to tell them what parcels I own. I requested an accounting of where our escrow money was going, which I never received. Arvest stated that they contacted the county auditor to receive a refund of {$4200.00} for payment on a parcel of land of which we do not own. This was back in XX/XX/2021. It is now XX/XX/2021 and such refund has yet to show up on my account. 

Arvest stated they did have the parcel numbers incorrect. I then started receiving delinquent tax bills on 2 of our parcels. I reached out to Arvest again in XXXX and they stated they would pay it. I received another delinquent tax notice in late XXXX XXXX and reached out yet again requesting they pay the {$13.00} that was delinquent on 2 parcels. It appears they finally did. 

I also requested an updated escrow analysis that includes the correct parcels and taxes owed/estimated in the future in XX/XX/2021 and again in XX/XX/2021 and have never received it. In the meantime, I am still paying hundreds of dollars more a month because my account has yet to be adjusted for the overpayment of taxes and recalculation of future taxes. 

I have reached out to them via messaging and telephone calls multiple times asking they get this sorted and send me an accounting of just how they are using my money. This is mishandling of my funds and they continue to withdraw more money than they should each month. 

I can not get a straight answer from Arvest Central Mortgage and am extremely frustrated with this mishandling. I was on XXXX XXXX this summer and was not getting paid, so it was even more frustrating that they were charging way more than they should and mishandling the payments I was making.

It has been months since I requested this be taken care of and it has yet to come to resolution. I was told it could take 90 days for the refund from the county. It has been over 90 days and they did not adjust my account in the meantime. This was Arvest 's fault, yet I am still paying the price of their misuse/mishandling of my funds.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I checked my consumer report, In accordance with the fair credit Report act. 


15 U.S.C. 1681 section 602A- states that a person has the right to privacy. 
15 U.S.C. 1681 section 604A section 2- states that a consumer reporting agency ( CRA ) can not provide an account without written instructions. 
15 U.S.C 1681 ( a ) ( 5 ) Section - States no consumer reporting agency may have any consumer report containing any of the following information, other than the convention of a crime. 
15 U.S.C. 1681-2 ( 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. 
The following list of accounts below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to all 3 bureaus and they are ignoring my consumer disputes. It's stressing me out and I've been sending letters and still no response.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$1700.00}. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Payday loan, title loan, or personal loan

I financed a loan with Westlake Portfolio Management under XXXX XXXX via XXXX XXXX XXXX removal in the amount of {$3500.00} on XX/XX/2023. Tired of the shady billing practices mentioned in XXXX Complaint ID XXXX ( PDF export attached ), I paid off the loan in full on XX/XX/2023 in the amount of {$3400.00}. 

On my payment history I see that {$25.00} of the XX/XX/2023 payoff went to a non-sufficient fund fee dated as the SAME DAY AS the payoff transaction. The payoff transaction on XX/XX/2023 was SUCCESSFUL, so all NSF fees associated with a SUCCESSFUL transaction on XX/XX/2023 are inaccurate. Again, the loan payoff transaction in the amount of {$3400.00} on XX/XX/2023 was SUCCESSFUL, yet {$25.00} of the {$3400.00} payment amount went to an NSF fee. A successful transaction predicates that all required account information needed to successfully complete the transaction, such as a routing numbers, etc., ARE CORRECT. I am entitled to a {$25.00} refund for this fee. 

Westlake Portfolio Management has not addressed this issue in my previous Complaint ID XXXX. Why was {$25.00} of my SUCCESSFUL {$3400.00} loan payoff transaction on XX/XX/2023 applied to an NSF fee? Where did this fee come from? Let me guessthis NSF fee is also from yet another conveniently untraceable attempt by Westlake Portfolio Management to debit my account? If so, please provide the date of and reason for this failed attempt made by Westlake Portfolio Management. Please be advised that Westlake Portfolio Management has never been authorized to debit my account at any time other than on a payment due date or if I as the customer initiates a payment. These sporadic, unauthorized payment attempts are another point in this complaint. My bank account was repeatedly accessed/attempted to be accessed on several occasions without my consent. 

The company knows these transactions are invalid but if I hadnt advocated for myself via several hours spent on the phone with their incompetent support call center, nothing would have been done. On XX/XX/203 Westlake Portfolio Management agreed to waive the fraudulent NSF fee from XX/XX/2023. To this day, XX/XX/2023, they have not honored this written agreement. The NSF fee from XX/XX/2023 has NOT BEEN WAIVED ; it is accruing interest on my account and just today, XX/XX/2023 I received an email titled You Have A Payment Due. The current balance, with interest, is {$28.00}. I am entitled to having this balance waived in its entirety. I should not and will not pay interest on an invalid fee that shouldnt have been assessed to begin with, not to mention the fact of interest accrual shows the extreme slowness and lack of urgency with which Westlake Portfolio Management responds to customers problems THEY CAUSED.

Within previous communications provided in Complaint ID XXXX, Westlake Portfolio Management provided false contact information for the Compliance Specialist overseeing my case. I called the listed phone number XXXX ( XXXX ) XXXX several times and each time was sent to the voicemail of someone named XXXX XXXX. 

Westlake Portfolio Managements Compliance Specialist as stated is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX LA was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XXXX AND XXXX 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. 

XXXX LA 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: Debt collection

I XXXX XXXX XXXX XXXX, have alway paid my debts deligently, on or about XX/XX/2018 American Express laid to my charge, a bogus in debtness, because of a time share seminar, held in XXXX XXXX SC. I was told by the facilitator I had to have major credit card. To get the gifts they offering that day. They charge indebtness to my American Express ending number XXXX without authoration. I mistakely paid them over {$3000.00} toward wrongeful action. They later Change indebtness to another American Express Card number XXXX, These charges are wrongful, to their advantages of a high interest rate of over 20 %. American Express has been on the side of the merchant, To collect this bogus indebtness, because of the high interest rate the charge. In Closing this statemet is True and correct. I am owe {$3000.00} frome original bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Equifax/XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission I have also attached the federal l trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!
Product: Debt collection

disputed collection account XXXX2021 {$670.00} disputed denied