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

XX/XX/2022, my boyfriend, who I am now the caregiver of. A little background information is last spring we got into a horrific car accident and he lost both of his legs. Since i I had to write my job so he didnt have to move into an assisted living facility. We have an apartment at the VA and life has been ac struggle to say the least. He finally was allotted {$100.00} to pay his caregiver which he sent me via cash app. Well he was not aware that I had changed my cash app since I no longer had access to my former company email. That email no longer exists ( I called my old job to see if they could deactivate my email once again but their IT guy would charge them more than my {$100.00} earnings ). So since I cant get into this email or the phone number ( my company cell number that has been disconnected or changed ), Cash App basically told me there was nothing I could do to rob that they could do to get into this account. I even sent the XXXX, without her request, but trying to be proactive, a copy of my drivers license, a pic of me holding my license, ac picture of my passport and a copy of my social security card, to which they said absolutely nothing. They wont even send the funds back to XXXX XXXX ( sender ) so he can send them to the correct account. So this {$100.00} is just sitting in limbo ( he sent me {$5.00} extra dollars so I could get the entire {$100.00} after the cash app fees ). Please help me. Ive spoke to for costumer service representatives ( XXXX over their chat feature and XXXX over the telephone ) and XXXX XXXX via email without any resolution. 
My old cash tag was : $ XXXX Amount : {$100.00} Transaction Identifier : XXXX Sender : XXXX XXXX Cash tag : $ XXXX Thank you for your help and your time. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I reserved a hotel stay at the XXXX XXXX located at XXXX XXXX XXXX, XXXX MD XXXX for 30 nights from XX/XX/2021 to XX/XX/2021 totaling {$2000.00} ; The reservation was made through my membership account on the XXXX XXXX app. It stated that a credit card was required for the reservation in which I provided my M & T debit-credit card ending in XXXX, and the reservation was processed with a reservation # XXXX, and with check-in starting at XXXXXXXX XXXX 

However when I attempted to check-in on XX/XX/2021, the front desk at the XXXX hotel informed me that my debit-credit card was declining the {$600.00} charge-hold that they were attempting to process. I attempted to call M & T bank customer service over the phone however I kept getting a prompt system stating that they were experiencing high call volume therefore would not be able to connect me so I would have to call back another time. 

I attempted to call M & T bank customer service the next day XX/XX/2021 and was finally able to speak with an M & T bank representative who informed after looking into the issue and confirming that my card had rejected my hotel reservation, informed that because the account was recently opened, there might have been a limit put on my debit-credit card. XXXX hotel attempted to process a {$600.00} hold ; additionally, I attempted to process a payment of {$5700.00} to XXXX XXXX on XX/XX/2021 and such was also declined. 

M & T Bank is engaging in illegal acts and subjecting me to unregulated practices and procedures.
Product: Debt collection

American Express ( debt from XXXX ) hired XXXX XXXX - represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX XXXX XXXX XXXX ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by XXXX XXXX XXXX or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted XXXX XXXX XXXX XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact American Express and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
XXXX XXXX XXXX made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX23 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding negative accounts that still appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies Experian, XXXX, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus Experian, XXXX, and XXXX because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.
Product: Debt collection

On XX/XX/2018 I received a call from Midland Credit ManagemenXXXX ( MCM ) the man would not identify himself and was calling my cell phone and asked for a friend of mine who does not live with me. I told him that this was not the person who he was trying to locate and he called me a liar. He was very angry and told me I owed him lots of money and if I didn't agree to pay him he was going to come to my house and kick my XXXX and burn down my house. I became very scared, I called my friend whom the caller was trying to reach to let him know of the situation. He notified the police in the town he lives in just in case there was an issue. I also called the police dept in the area in XXXX XXXX that the business is located. They said they couldn't do anything. 
I have no affiliation with Midland Credit Management. All my debt is current and nothing is in collection status. 
I called MCM and reported the call but I'm pretty sure that they will do nothing to stop this practice. These people didn't speak very good English. I was given this address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$130.00}
Product: Student loan

My refund check was mailed on XXXX. I have the voicemail and have double checked with aidvantage. Its been two weeks and my chuecj has not come in the mail. {$15000.00}. I got approved for this refund on XXXX.
Product: Debt collection

This company is attempting to collect a debt of the wrong amount and in a state in which they are not licensed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed identity theft report and sent to Experian and Creditor. The Creditor sold the account to collection agency, that company is not reporting on credit bureau. The Creditor states that it is my account and I am telling them that the account was open fraudently. If this matter is not resolved I will be forced to file a lawsuit against both Creditor and Credit Bureau. I want signature on the account and the original application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX toXX/XX/XXXX. 

Late payments were not removed from the company or any of the credit bureaus.
Product: Credit reporting or other personal consumer reports

This complaint is of a general nature - a suggestion to alter the entire system. I was recently rejected for a Verizon Credit Card XXXX Synchrony Bank ) because my credit record shows no history of revolving credit. There is a student loan and a mortgage on my record ( all current ) but those are not " revolving credit. '' As a financial planner I learned decades ago that revolving credit cards are poison to many people, especially young people. I got in trouble with credit long ago and decided that I would never again have a credit card. I use a debit card exclusively. To many, a credit card is like giving booze to an alcoholic! I see this every day - the credit abuse, not the booze! 

But because I choose NOT to go into debt and stay responsible with my spending, I am penalized on my credit score. To me, this is insane and simply a method for banking and credit companies to profit from those who, once indebted, may well choose to continue to pay usurious monthly interest on these cards. Even those who claim to pay them off monthly will eventually get hit with the 30 % interest because a bill was paid late or other factors. Even worse, I can't get a card because I don't have a card!
Product: Debt collection

On XXXX XXXX I received a collection notice from AFNI COLLECTIONS in regards to doing business with XXXX XXXX XXXX  XXXX in the amount of {$7000.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about the name variations on my credit report. My name is XXXX XXXX XXXX. I have only applied for credit under XXXX XXXX or XXXX XXXX XXXX. Experian is reporting the following names : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I want these errors removed off of my Experian credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1200.00} XXXX XXXX  {$720.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit card or prepaid card

I have made a payment on my credit card of {$850.00} by using my account at a large retail bank. The credit card company has acknowledged my payment and has emailed me to tell me it has posted to my account. However the credit card company is not releasing the corresponding credit. In other words they have my money but theyre not allowing me to use it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information 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}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX, XXXX, 4 listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX are amongst the list. XXXX I have never been late not once. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Mortgage

I closed with Amerisave on a refinance of my primary home on XX/XX/2021 with a public notary. The loan was a standard conventional mortgage with a fixed and locked interest rate. My right of rescission period ended on XX/XX/2021 ; the loan was set to fund on XX/XX/XXXX and subsequently pay off my existing mortgage. The lender never funded the loan and provided no notice ; I have violated no pre/post-close conditions and the lender has not provided a legitimate reason as to why the loan was never funded. 

On XX/XX/2021, I had communication with the lender asking to confirm if everything was cleared from the closing and funding and to let me know if there were any follow up items that needed to be addressed. The lender did not follow up with any outstanding items needed to fund the loan. Upon discovery that my existing loan had not been paid in full as of XX/XX/2021, I began repeated escalation with the lender and received no response until XX/XX/2021. Upon communication with the lender, the lender admitted fault in failing to fund the loan due to a mistake in their processing, that I had met all terms of the agreement and stated it would fund the following day on XX/XX/2021. The loan did not fund on XX/XX/2021 and the lender stated a new closing would need to occur and that all terms of the executed Closing Disclosure would be honored. 

The lender is now reflecting additional fees of {$9900.00} to {$15000.00} to be borne by me and refuses to acknowledge the executed contract and its obligations. At no point between closing, funding and the rate lock, did the lender make any mention of outstanding items necessary to fund the loan and made no requests for additional documentation. Additionally, I proactively reached out to the lender to inquire if there were any outstanding items and to confirm the loan would fund between XX/XX/2021 through XX/XX/2021 ( both in electronic and telephonic format ). 

The lender failed in good faith to process and fund the loan, has failed to honor the contract and provided the borrower with adverse financial terms.
Product: Checking or savings account

After being unable to complete a purchase with my US Bank 's debit card, I phoned US Bank to resolve the issue and was informed that the Bank had closed my accounts on XX/XX/2022. 
The customer service representative stated that our deposits would be returned to us as a cashier check mailed to our home. 
We did receive a cashier 's check in the amount of {$110.00} a week later but have yet to receive the deposit back from our US checking account ( the amount of {$1000.00} ). I have made multiple phone calls to US Bank and have received promises to send payment and still have not received satisfaction. As an elderly person on a fixed income, {$1000.00} to be taken away from my ability to pay my bills is a major hurdle to overcome.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date. 


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


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


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


Update the late payments from my consumer reports
Product: Mortgage

My wife and I paid off our home mortgage on XX/XX/year> for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The escrow held by Rushmore Servicing ( {$1800.00} ) has not yet been returned to us. We called Rushmore Servicing on XX/XX/year> twice during business hours. Rushmore automatically ( i.e., not a live agent ) asked for the loan number. After we provided the loan number, they auto-confirmed that the loan was payed off but it was not possible to get in touch with a live agent or otherwise get the option to request that our escrow be returned. Previously, before the loan was paid off, we were able to speak with a live agent for various needs. After the loan was payed off, it is not possible to speak with a live agent or to have the option to request the escrow back. 

Loan number - XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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
Product: Credit reporting or other personal consumer reports

Upon the information provided from the dispute, XXXX XXXX XXXX XXXX is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.
Product: Mortgage

Since XX/XX/2022 there was an issue where my payment was not being applied on time. After providing proof via my canceled checks that their bank did process the check on the correct dates I still have no resolution. No one from the company calls me back, I often get put on hold for 30 minutes then get disconnected. They say a manager will call me it never happens. I now send a larger than normal payment and send it early. I am still getting charged late fees.