23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am purchasing a home &amp; 30 days prior to closing, my credit is run again and an account with  IC Systems appears as  a new collection account opened in   XXXX   XXXX   for {$530.00}. I called IC  Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a  home &amp; this  was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' &amp; only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC  Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the " this is an attempt to collect a debt '  line &amp;   how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my  3rd  to IC Systems, they again give the " this is an attempt to collect a debt  ' line &amp;   how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate &amp; they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered  XXXX  collection accounts on my credit report from   XXXX - XXXX  f rom the same creditor equaling the {$530.00} that had been removed in   XXXX  . I called IC Systems for th e 4th tim e and again get " this is an attempt to collect a debt  ' line &amp; h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on   XXXX   &amp; filed a complaint there. It said someone would contact me ... still waiting. I then called  XXXX   XXXX  in hopes they would clear this up. The representative confirmed it was from   XXXX   but maybe it was sold or something to another collector. I asked that they change how they reported that &amp; she said they could n't because it was sold ... wow!   No help ... Truly &amp; helplessly unreal!
Product: Checking or savings account

I was looking for a credit repair company to fix my credit the one I ordered was a fraud site so I contacted the us bank about the problem and they have placed the money owed back on my account after being told out was fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally started out with {$77000.00} in student loans, due to my income based repayments, I now owe {$110000.00}. I have been paying what I can for the last 7 years but continue to have my loans grow because I don't make enough money to support my family AND make a payment of at least {$640.00} a month which ONLY covers the interest. My issue is that last month, after 7 years of making payments, now the added interest is being reported to the credit agencies. It never had been, I was unaware that this was something that would change and now, every month my credit score goes down and after working very hard for a year to get out of a chapter XXXX bankruptcy and rebuild my credit so I can get a mortgage, it's getting lowered every month no matter what, even though I'm paying what the federal income based repayments plan said I can afford. How is this legal? How can what gets reported change after 7 years?!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

YOU ARE RE-AGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY RE-AGE THIS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PROVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMEDIATELY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS XXXX  INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITTING THE SAME VIOLATIONS AS XXXX, AND YOU ARE CAUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELINQUENCY SHOULD BE SHOWN AS WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCOUNT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE.
Product: Checking or savings account

Subject : Bank of America Withheld My Funds After Placing a Hold Without Just Cause Dear CFPB Officer, I am writing to file a formal complaint regarding the mishandling of my checking account and the withholding of {$4000.00} by Bank of America. 

In XX/XX/2022, I opened a new checking account using the Bank of America mobile app. Shortly after opening the account, I transferred {$4000.00} from another Bank of America account that I also own. Both accounts are under the same online banking profile and fully verified. 

However, in XX/XX/2022, the newly opened account was suddenly placed on hold. I received a letter stating that the bank needed to investigate the source of the funds even though the money was transferred internally, from my own account within the same banking system. 

I visited a local branch and, with the help of a banker, contacted customer service. I was advised at the time to close the account and was told that the {$4000.00} would be returned to me via a check. 

However, the check was never issued, and I continued to follow up over the next several months. During a later visit, another banker advised me to reopen the account, claiming that the funds would be returned via the original transfer method. Despite this, the money has never been released. 

Since then, I have made multiple attempts to contact Bank of America and resolve this issue. Every time, I am told that I need to wait, with no clear explanation, resolution, or timeline provided. 

It has now been over XXXX years, and the {$4000.00} is still being withheld without justification. 

I am requesting the CFPB to help investigate this matter and compel Bank of America to : XXXX. Immediately release or return my {$4000.00} ; XXXX. Provide a formal written explanation for the prolonged hold and lack of communication. 

I am happy to provide supporting documentation, including transfer records, correspondence from the bank, and communication logs. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a text from Cornerstone Legal and I suspected fraud so I started looking reviews and I'm not the only person that this has happened to. Here 's a copy of the text sent to me ( XXXX XXXX XXXX ) For XXXX XXXX : Please reply STOP if you are not XXXX XXXX. Cornerstone Legal Group recently notified you by U.S. mail that there was legal action ( lawsuit ) pending against you due to your severely delinquent account originating with CHECK N GO. Please be advised that a lawsuit would result in a civil court judgment, subsequently resulting in a wage garnishment or property lien. A civil judgment would also be reported to the credit bureaus. After a recent case management review and due to the XXXX Pandemic, we are extending you an offer to settle your case out-of-court for a onetime payment of {$590.00}. This means that if you pay this onetime settlement payment, you will be released from any further obligation to this matter and you will have a XXXX  balance on your account. In addition, any credit bureaus that this account has been reported to will be deleted upon receipt of your settlement payment. The deadline for this settlement to be paid is no later than on or before this Friday, XX/XX/XXXX, or this settlement offer will be revoked. You can make this settlement payment online at XXXX, or you can pay over the phone by calling XXXX.
Product: Credit reporting or other personal consumer reports

I am not able to view my credit report at ALL. I have attached a screenshot of the error I am getting. Everything is blank no accounts, no payment history, or creditors. When I log in on XXXX, I get a message to contact XXXX and give the code BLNK. I did this several times and was told to send in my information to have it lifted. I sent certified mail XXXX  that included my DL, SS card, current electricity bill and a letter stating I wanted the issue fixed. XXXX representative I spoke with stated it was an internal block and once I sent in that information it would be fixed in XXXX business days. It has been over XXXX months and XXXX letters later. Certified mail tracking numbers are : XXXX received XX/XX/XXXX and XXXX received XX/XX/XXXX. I can't get any items from creditors because they only see my name with no credit score when they pull my credit from Equifax. My credit report is blank and hasnt been updated since XXXX OF XXXX!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I used Paypal & its subsidiaries to book a stay with XXXX for a total of {$2300.00}. Payment confirmation attached in Exhibit XXXX. Paypal processed the payment in the wrong currency ( GEL instead of USD, at a punitive exchange rate ), even though the website showed a price in USD. I attempted to undo the transaction, and submitted a dispute resolution claim to Paypal to change the currency. The claim was intended to be submitted for an amount of {$0.00}, as I was not disputing the transaction itself, but I accidentally fat fingered {$0.00}. When I attempted to correct the amount or withdraw the claim, the Paypal website crashed and continued malfunctioning. 
On or about XX/XX/XXXX, I called Paypal in an attempt to resolve the issue. The Paypal call center agreed to correct the currency but refused to undo the claim, on the grounds that it is a small amount and it will die itself. 
On XX/XX/XXXX, I received notification from XXXX that my reservation was cancelled because of a dispute with Paypal. Email attached in Exhibit XXXX. I subsequently received a separate notification from Paypal that my dispute for {$0.00} was approved Exhibit XXXX. However, I was not refunded the full amount of the reservation the remaining {$2300.00}. 
Upon receiving notification of cancellation but no refund of the 99.997 % of the purchase price, I attempted to open a new claim with Paypal for the remaining {$2300.00}. However, the Paypal website prevented me from doing so as a claim on the same transaction was already approved. 
After multiple futile attempts to have Paypal reopen the claim through its website, I contacted XXXX on XX/XX/XXXX. Record of our correspondence attached in Exhibit XXXX. XXXX stated that I should contact Paypal as funds had been returned to Paypal, with transaction ID XXXX. 
On XX/XX/XXXX, I called Paypal. Paypal opened a new claim, however, it was denied on XX/XX/XXXX denial attached in Exhibit XXXX. Paypal motivated its denial on the grounds that the item or service was delivered to you, according to Paypal records. Nonetheless, the reservation continued to be clearly cancelled per XXXX records ( screenshot from XXXX website in Exhibit XXXX, incremental to cancellation email in Exhibit XXXX ). 
On XX/XX/XXXX, I tried once again to call XXXX, who once again confirmed that a full refund was provided to Paypal ( see XX/XX/XXXX message in Exhibit XXXX ). I once again called Paypal, which once again refused to provide the refund. Record of message sent from Paypal attached in Exhibit XXXX. I have received no further communications from Paypal. 
In sum, Paypal XXXX wilfully misled me as to payment currency, XXXX caused a cancellation of my reservation with XXXX, XXXX refused to consider compelling evidence of non-delivery of service to me, and XXXX engaged in unjust enrichment by refusing to return to me funds that were refunded to Paypal by XXXX, as confirmed in writing by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, CHILD SUPPORT NORTH CAROLINA : XXXX, CHILD SUPPORT NORTH CAROLINA : 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

In my case, on XXXX XXXX XXXX was partially deposited until XX/XX/XXXX in my Account. 

On XX/XX/XXXX I gave my peer XXXX XXXX from school my card and pin. XXXX recently lost his grandma during Covid. XXXX is an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX been through some rough times. We all have trauma stories. I just didnt see this in XXXX because he was always sweet and ready to help me with my homework. I gave him my card so that he can go get him a car I know he was going to school and working on himself. I gave up my card and pin because I was working and I have a heart. I want to see us all make it and most definitely XXXX. Never in a XXXX years would I have thought he would do this. I only known XXXX for roughly a year. I know he was homeless kind of staying place to place and I was just trying to show support. I gave XXXX my card and pin so that he can deposit his money in my account. I didnt think to question him only because I was extremely busy and I didnt sense anything like this. I owed money on rent and was forced to be homeless during this time ; I definitely didnt have no {$10000.00}. I got move out orders and pass bills. 

Because of this identity theft XXXX XXXX  has restricted my account and XXXX XXXX. I need my accounts active this identity theft is causing me mental breakdowns and stress. My children are affected by this identity theft as well we all seeing XXXX XXXX XXXX  My daughter whom is already experiencing XXXX XXXX is really XXXX  because I cant do certain things for her without my accounts. We are experiencing a lot of pain and suffering. We are law abiding citizens and we have a good heart to due diligence in this world. Although we should not have to suffer. We should not have to pay this back. All of my personal information was leaked in a data breach as well. Can you please help me with my case. I am now mindful of my actions far as helping others. 

My vehicle was stolen with all my personal information and including my childrens information in XXXX ssn birth certificates id medical jewelry maybe XXXX worth of XXXX. 
My vehicle was broken into XXXX personal information stolen identity medical cards ssn card My id theft report reference # XXXX My incident report # XXXX. 

Pay day loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has not responded to taking these accounts off of my credit or they have not unrestricted my XXXX XXXX Or my XXXX  account. 

I have more police reports as well. 


Bank of America Is another account I have a problem with. This guy from XXXX deposited XXXX into my account but was actually stolen from another account I believe. I reported this incident with Bank of America customer service fraud team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unauthorized inquiries on my report that I did not benefit from. They do not belong to me. please remove them immediately. they are ruining my chances at getting approved for a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} TXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$610.00}
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 willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX
Product: Mortgage

I got a loan from XXXXXXXX XXXX  in XX/XX/XXXX, after 1 month they sold it to Stone Gate, my mortgage payment was {$990.00} ( principle interest escrow ). After a year they sold it to Home Point XXXX  I was paying this amount till XXXX when i sing up to pay the taxes in my own. Since XXXX I`m paying {$600.00} ( principle and interest ). In XXXX of XXXX Home point split in 2 diffrent company and since XXXX of XXXX all my payment of {$600.00} wasn't recorded as mortgage payment and they are saying that i didn't made monthly payment and they are charging late fees and extra interest. I never missed a single payment. I been calling in last 2 months but not able to fix the problem, any time i called they give me diffrent answer. English is my 2nd language and i strongly belive they are using that to there advantage. I have pulled all the records from city for property taxes and all records from bank that i made the payment but nothing satisfied them. I`m hope lease and I`m afraid that they will take my house way and i`ll be home lease. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed incorrect information for serval different items reporting on my credit report. I have yet to received word back from the credit bureaus explaining that they are investigating my dispute. Pursuant to 15 USC 1681i subchapter III they are violating my rights. I have try to resolve the issue multiple times before my first complaint with the CFPB on XX/XX/2023. I'm contacting you again to see can help me resolve this matter. I wish to have these accounts REMOVED from credit report entirely.
Product: Payday loan, title loan, or personal loan

Company name- NCFINANCIAL , date start. XX/XX/2019.amount XXXX  $ .that loan cause make pay bill hospital ... when they talk in phone every month XXXX , 3 years .... im believe whatever they say and signature on agreement with online.. then on agreements 5 years payment ... im really dont know ... they charge every by-weeks charge auto payment ... right now i dont any income and i have close my checking account cause of dont have any income.. then im already email let then know cause of ill be little bit late payment .... but they say there will be action for thet.. and im never have late payment then already pay over one years.. but the amount its still look like same ... .. XXXX maybe. I had payment credit card and auto loan and not safe employee, cause of that payment right now XXXX  XXXX XXXX  part time and have to still with my mom have really bad XXXX problem .... everytime need somebody have to care her ... i dont have full time job and dont have not much income then alot payment .... thats cant pay NCfinancial last month ... please help me im have give time for my mom really have XXXX XXXX problem thats y. Please
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and Validation of debt Letter.
Product: Debt collection

Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
1 ) XXXX XXXX : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
2 ) Portfolio Recovery Associates : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.