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

I spoke to XXXX and XXXX of XXXX in XXXX on Monday XX/XX/19 I updated them that I have heard back from cash app customer service via the email and square up Inc there's a corporate company via email and I'm in contact with them to try to resolve this fraudulent cash app  usage cash app account and cash app transactions with this I am working like I said with XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX in XXXX Wisconsin and some colleagues of theirs at the XXXX convenience store in XXXX Wisconsin at XXXX convenience this investigation will go until further updates are provided I will provide them once they are ready.
Product: Mortgage

Servicing transfer in the middle of a loan modification : I submitted in a timely fashion a complete loan modification / loss mitigation application to my then loan servicer Ocwen who acknowledged receipt thereof ( loan modification application ) then transferred my loan to PHH - which, to date, I did not receive status of my previously submitted loan modification, no single point of contact, and I still have a foreclosure sale date of XX/XX/2019 looming ( dual tracking violation ) PHH is violation of both Federal and California homeowner protection laws and doesn't seem to care. I want to be given my legal right to save my home - please help. 

This is NOT a duplicate complaint. Thank you
Product: Debt collection

I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with Citifinancial. Citifinancial put the judgement on the real property then sold the debt to asset acceptance who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XX/X/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. 

XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me
Product: Vehicle loan or lease

I did not opening this loan XXXX  XXXX XXXX account number XXXX. Please remove this inaccurate and fraudulent account. These account is reporting wrong information and errors days please remove this account.
Product: Credit reporting

I have disputed multiple inquiries on my credit report with Transunion. Transunion advices that they will not dispute inquiries. This is a violation of the FCRA by furnishing inaccurate information regarding my credit file to potential creditors.
Product: Credit reporting or other personal consumer reports

I'd like to notify you that Im still seeing the same and repeated incorrect accounts on my credit report. 

So many disparity on the reports reported by the credit reporting agencies. There haven't been any updates provided on my account and I find it confusing why they have different evaluation and result of verification despite getting this information from one creditor or furnisher of information.
Product: Debt collection

Set up payment plan for outstanding balance and continued to receive calls from Comenity bank multiple times a day dating back to XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Also suspect calling from unknown caller several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2019, FMS Financial Solution debt collection agency received a letter from me via a certified mail ( tracking number : XXXX ) in which I disputed the debt, put them on the notice of lawsuit and requested them to strictly keep their communication with me in writing. They admit the receipt of this letter in their response to my previous complaint, however, on XX/XX/2019, they contacted me via phone to continue to collect a fraudulent bill. Furthermore, they used abusive language, threatened a frivolous lawsuit and apparently recorded my voice without notifying me or requesting my consent. ( I can submit a copy of the correspondence I sent to them upon request ).
Product: Money transfer, virtual currency, or money service

USD Coin - USCD for short - is a supposed " XXXX '' issued by XXXX for use in buying and selling cryptocurrency. 

XXXX as a company has raised {$1.00} XXXX dollars in 11 rounds of backing. 

However, they have issued {$51.00} XXXX of USD Coin. 

They claim that each USD Coin is worth {$1.00}, and : " USDC is fully backed by cash and short-dated U.S. government obligations, so that it is always redeemable 1:1 for U.S. dollars XXXX Each month, we publish attestation reports by XXXX XXXX regarding the reserve balances backing USDC. " Where did the other {$50.00} XXXX that they purportedly have come from? They haven't raised anywhere near that much from investors. 

XXXX XXXX claims to attest to the value of their accounts every month, but XXXX XXXX has a history of deficient audits going back to at least 2005. And they are not, in fact, auditing their accounts- only attesting to them. 

I am not sure how it is possible for them to really be backed by {$51.00} XXXX when they have raised {$1.00} XXXX, and it smacks of an obvious scam- they have " minted '' over {$50.00} XXXX in this " coin '' off of a {$1.00} XXXX investment. 

Moreover, some crypto websites offer 9 % APY if you hold USDC, such as XXXXr - and USDC itself previously offered very high APY before cutting it. 

All of this smacks of a fraudulent scheme, where people purport to have something equal in value to {$1.00} USD, but it is not. This allows them to trade their worthless " coins '' for other forms of cryptocurrency, which they can then sell for cash. 

All of this is on top of the obvious fact that there is no reason for a " stablecoin '' to exist at all- if a stablecoin is worth {$1.00} USD, why would you ever not just keep {$1.00} USD, like people do with stock brokerage accounts? 

The only reasonable answers to this is that the {$1.00} USD that supposedly backs these coins doesn't exist, or that you are doing something illegal with this supposed " money '' that you couldn't do with actual US currency.
Product: Credit reporting or other personal consumer reports

I checked my credit report XXXX day and I looked into and it said that I had a student loan with XXXX XXXX. First of all I never even finished high school, I never even went to college, and when the account was first opened, it was in XXXX, I never lived or been to XXXX once in my life so far. I called numerous time to XXXX XXXX and they told me that I had to get a police report and they would send me documents but they never did and told me they did but didnt. And then I would tell them that and they would say well our systems actually sent it out and we mailed it and I asked where and she said a XXXX address when I never lived there or even visited once.
Product: Mortgage

During the XXXX years I've received countless emails and letters " Cash out Alert : Home Equity Available '' " Estimated cash available $ XXXX! from Freedom Mortgage. Therefore I requested via letter XX/XX/2023 that the PMI monthly insurance payment {$34.00} be removed. My request was denied. The company states FHA loans are " not eligible for MIP cancellation. '' This is unfair to the consumer. We have paid on time for the life of the loan and had significant roofing expenses {$9700.00} in the past year. Our current mortgage balance is ~ $ XXXX, Freedom 's marketing alerts claim " Estimated Home Value is {$240000.00} '' The facts are clear that it is unethical to continue charging PMI on this property and mortgage. The marketing to get people further hooked into debt on " easy Cash '' ploys is despicable as well.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a credit card with XXXX XXXX XXXX to purchase furniture. I selected the no interest for 6 months plan. 
On XX/XX/XXXX I scheduled a payment of {$600.00} On XX/XX/XXXX the payment posted of {$600.00} and I was charged a {$28.00} late fee. ( No grace period - which I did not know about. ) I forgot about the XXXX payment until today XX/XX/XXXX and was surprised to see the late fee. I immediately scheduled a payment and called to ask for late fee reversed. 
I was told by XXXX ( customer service rep ) that I actually had been reported to credit reporting agencies for {$56.00} on XX/XX/XXXX for Late fees for XXXX and XXXX? 
How is this possible when I made a payment for {$600.00}? She said it didnt apply nor did it count. 
Very, very upset. Have not mentioned I have been charged interest. 
Will never open a store credit card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT IMPOSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a payday loan through XXXXXXXX XXXX an online payday lender. My family and are going through a hardship we have been paying the company. Although, through Hurricane Florence we have fallen behind. the company explained to us that there is an intrest rate daily occurring on the loan. Once reviewing the loan application the intrest rate on this loan is 792.82 % which is outrageous. Can you please help .... We are willing to pay back so the XXXX we borrowed and an extra XXXX but on a XXXX loan the pay back amount is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/2018 - XX/XX/2018 ) DOE XXXX XXXX Balance : {$0.00}
Product: Credit card

Citibank double cash back credit card charging daily interest on a " promotion '' feels unfair and illegal practices. 

I missed my payment for XXXX by 1 day. Which is very fine as it happens. They charged me {$34.00} of interest on a {$280.00} bill as their lower APR promotions charges interest daily. I don't how its possible or legal for them to hit you with double interest payments and interest that is >10 % of total bill for 1 month. 

-- -- -- -- -- -- -- -- -- -- XX/XX/XXXXXX/XX/year> LATE FEE - XXXX PAYMENT PAST DUE {$30.00} -- -- -- -- -- -- -- -- -- -- - XX/XX/year> INTEREST CHARGED TO STANDARD PURCH {$7.00} -- -- -- -- -- -- -- -- -- -- - XX/XX/scrub>XX/XX/XXXX INTEREST CHARGED TO XXXX {$27.00} -- -- -- -- -- -- -- -- -- -- XX/XX/year> ONLINE PAYMENT, THANK YOU - {$280.00}
Product: Credit reporting 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. 
Account Name : XXXX XXXX XXXX. 
Account # : XXXX Amount : {$1300.00} I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 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.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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: Debt collection

Based on previous complaints, now more than 60 days passed from the day I sent a certified mail asking for the validation of the {$50.00} debt validation. They haven't answered me yet! 
The last company 's response proves that ( 1 ) they failed to answer me after more than two months, ( 2 ) they never contacted me but they reported directly to the credit bureaus, and ( 3 ) they want to send me the billing not any validation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian regarding information they are reporting regarding the accounts found below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Since XX/XX/2020, I have sent them letters asking them to verify these debts due to the fact that I have asked for " Validation '' from these alleged XXXXollectors that I have and they have not " Validated '' these debts!. Per the Fair Collections Practices Act, if a collection account can not be " Validated '' within the time frame allowed by law. ( 30 days ) the credit bureau in this case Equifax " MUST DELETE THE ACCOUNT ''. XXXX has failed to " Verify ''! XXXX has failed to " RESPOND TO MY LETTERS ''. For that reason due to the fact that they are in incomplete violation of the law, " THEY MUST DELETE THE ABOVE MENTIONED ACCOUNTS IMMEDIATELY '' That is all that I am asking for that they observe and respect the law. 




.
Product: Vehicle loan or lease

The day after the due date, the XXXX, they begun harrassment calls every 3 hours. This continues 7 days a week. Ive never been 30 days late. They claim i am late at 10 days after due date. However the harrassment begins the very next day, day after the due date. I have logged all calls and plan to consult an attorney to sue in civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Date- XXXX Amount- {$1000.00} / XXXX One- Date - XXXX Amount - {$400.00} / XXXX XXXX- Date - XXXX / Amount - {$630.00} / XXXX XXXX XXXX XXXX- Date - XXXX XXXX XXXX XXXX {$1200.00} / XXXX XXXX XXXX  Date - XXXX / Amount XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agencies are all reporting and interpreting my students loans as late. I have been on a XXXXncome Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts
Product: Debt collection

Hello, I continue to receive repetitive calls Monday-Friday from about XXXX all day from this company attempting to collect a debt from me. I have made them aware I am more than willing to pay {$300.00} but that is all I owe to the original creditor XXXX. Their employee 's stole 4 cell phones from me and are trying to stick the bill on me. I will pay the {$300.00} fee that XXXX  wanted to charge originally for closing the account.
Product: Student loan

I was mislead by the school and dropped from th class due to my instructor not doing his due diligence and responsibilities. I then was not allowed to continue schooling due to their mistake and was stuck with a loan payment even though i passed all of my classes and requirements for school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed for Chapter XXXX Bankruptcy in US Federal Bankruptcy Court in  Maryland on XXXX/XXXX/XXXX which was ordered discharge on XXXX/XXXX/XXXX. Case Number # XXXX. 

I included a Private Co-signed Student Loan via Citizens Bank serviced by XXXX XXXX XXXX XXXX. Due to my income, hardship, and no employment and on public assistance with not ability to repay this loan its was allowed in the listed of debit and creditors of my chapter XXXX bankruptcy filing and discharged. 

Both Citizens Bank the loan holder and its servicer XXXX have been attempting to collect on a discharged debit ordered by the US Federal District Court for Bankruptcy in Maryland. 

They have contacted me several times by phone which I had inform them it was discharged in Chapter XXXX Bankruptcy. They being XXXX and Citizens Bank also attempted by mail to collect on this discharged debit I started to keep record and they on XXXX XXXX, XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX to still attempt to collect on this debit. I have responded by mail and even demanded to cease the collection attempted and correct the collection and credit report records to XXXX and Citizens Bank on XXXX XXXX, XXXX by fax and US Mail to Citizen Bank and XXXX, and on XXXX XXXX, XXXX to XXXX again with their request form format. I then received a response from Citizen Banks by mail on XXXX XXXX, XXXX that they are ignoring a federal court discharge order and has stated that I still owe them the monies and need to repay and it was the Citizens Bank 's final decision on the matter.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments from XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. EXPERIAN failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEND IT PAPER WORK AFTER PAPER WORK AND THEY WONT REMOVE THESE ACCOUNTS OR INQUIRES OFF MY REPORT THESE ITEMS ARE NOT MINE I HAVE BEEN A VICTUM OF MAJOR ID THEFT ... PLEASE HELP ME GET THESE ITEMS OFF MY REPORT.
Product: Credit card or prepaid card

In ( what I believe ) is retaliation to CFPB complaint # XXXX, a " Bank of America XXXX XXXX XXXX representative called me directly after the complaint was filled, which is completely in appropriate. 

Shortly there after ( roughly 10 days ) I received a letter from Bank of America listing my " XXXX XXXX XXXX XXXX '' application was denied for the following reasons : Unable to verify identification " Which is strange as they delayed my approval " until they had a Social Security Administration authorization form consent letter signed and returned '' so they could contact the Social Security Administration directly about me, my SSN # and my signature. The form had to be hand filled out and United States Postal Service mailed back. They had not received it as of XX/XX/2021 ( I called in, they said they hadn't received it yet, even though that was nearly XXXX weeks after I sent it ). 

XX/XX/2021 - XXXX received a call from the " Compliance Officer '' named XXXX XXXX XX/XX/2021 - Letter dated the date at the start of this line - " We can't approve your request '' When I started the application my XXXX XXXX was above XXXX ( XXXX good credit ). It did not fall below until it became obvious they were retaliating ( sitting on this for roughly 60 days, and only responding after a complaint had been filed regarding XXXX ). I decided to re-finance my home, which will make my XXXX XXXX even higher in just a little bit. 

They had both " Identification '' and my SSN ( copy of both ) PLUS the required " Social Security Administration '' verification permission with my signature on it. ( Additionally, I have banked with Bank of America for over 35 years - as is stated in the complaint XXXX. They know exactly who I am and how to reach me. 

This looks suspiciously, an AWEFUL lot like retaliation to me.