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

This is directly related to my other complaint made moments ago with cfpb. I was contacted by a number listed as XXXX XXXX  at XXXXXXXX XXXX on XX/XX/XXXX. They claimed someone has opened a XXXX account with my information and in order to stop the transaction I needed to send a cancelation request in the same amount. I sent the transaction according to their instructions to XXXX XXXX in the amount od {$990.00}. They then requested that I send a second transaction through an app called Ria in the amount of {$800.00}. I went it according to their instructions. The authentication process used during this call was the same process I've always gone through with XXXX XXXX so I believed it to be true. I quickly found that this was not the case when the money came out of my account and was not canceled. I called Ria customer service and requested that the transaction be canceled but they said it was too late. They marked rhe transaction as fraud but said there was nothing they could do to return the funds. The transaction number was XXXX. I have since deleted my account for security purposed.
Product: Debt collection

XX/XX/XXXX, I went to court against XXXX XXXX XXXX because the landlord XXXX tried to evict me with false reasoning & collect amount of money he was never owed. XX/XX/XXXX, Judge dismissed case with prejudice because XXXX XXXX had zero proof for all claims. Nothing was owed to them, and I was given the decision on moving or remaining in their property. I moved out of their property the end of XX/XX/XXXX. We were sent the same letter that stated they had only within 30days to file another motion for any owed debt again. We never went to court again after they loss. Nothing was filed in that year at all under my name. XX/XX/XXXX, I was notified from XXXX that theres a new debt on my name that just reported within that same month stating I owe double the amount we went to court for originally & now I cant have it removed because its reported to some untrusted collection agency who has multiple numbers & unable to do anything. I need this removed off my name immediately it is stopping me from trying to buy or rent or homes because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me 120 days late on the XXXX - partial account number XXXX and XXXX  - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration with your bureau 's handling of the late payments inaccurately reported on my credit file. Despite multiple dispute letters I have sent, you have persistently verified these erroneous accounts, and they continue to tarnish my credit report. It is utterly unacceptable that, after my repeated communications, your bureau has failed to rectify these inaccuracies. The verification process you claim to have undertaken is evidently flawed, as the information reported does not reflect the true state of my accounts. This raises serious questions about the integrity and reliability of your verification procedures. I have personally contacted the banks involved via phone calls, and they have acknowledged the errors in their reporting. The banks have agreed to update the status of my accounts to accurately reflect that they were never late. Yet, despite this confirmation, your bureau continues to perpetuate these inaccuracies on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received XXXX XXXX inflight offer as I was deplaning from a flight. Applied for card on XX/XX/XXXX : terms on application stated XXXX bonus miles after spending {$1000.00}. Paper application asked for " ID number ''. Called number on application and rep offered to complete the application by phone. Approved for card. There is nothing in the welcome package that even mentions bonus miles of any kind. Called the rep the day I received the card and was assured that bonus miles offer was valid.

Fullfilled terms to earn bonus miles, later received email that I was running out of time to take advantage of bonus. Called customer service and was told terms were XXXX bonus miles if I spend {$2000.00}. I was not advised in writing or verbally at time I applied for card over the phone that terms were different than what I had on my application. New terms are not noted on approval letter received with card or the terms sheet. Customer service had me send a copy of the application by email to XXXX on XX/XX/XXXX. Letter dated XX/XX/XXXX " unable to complete request '' " call number on back of card ''. Called rep, she didn't know anything. Took my info, promised call back. No call. Follow up email to XXXX  on XX/XX/XXXX. No response. XX/XX/XXXX called customer service number : told case was closed out. I received no notice by phone, email or postal mail that they had closed my claim. Asked for manager. Manager says can not help, spend more money on card to meet new terms which I still do not have in writing. Now, for the first time I'm told I should have filled out the application on the plane before I left! Manager told me they would mail the terms within 30 days ( at which point the " updated terms '' would have expired, ie no bonus miles ). He would also open investigation to find out why I was not informed of change of terms. I also requested, since they record their calls, that I hear the original call when I applied. If I misunderstood the terms by phone fine I will give up and leave them alone. Otherwise I feel I was misled and as a customer service show of good faith they should credit the bonus miles per the terms on the application.
Product: Debt collection

Jefferson Capital Systems has added a collection account to my credit report without sending a dunning letter. They also did not give me the right to dispute this debt BEFORE placing this account on my report. They are in violation of The Fair Debt Collection Practices Act and this account need to be removed IMMEDIATELY. I will also be filing a complaint with The Federal Trade Commission and the XXXX XXXX XXXX Until I get a letter giving me the right to dispute, you can not report this debt.
Product: Credit card or prepaid card

I have been trying to deal with multiple different promotional balances since XXXX with care credit. I have called many times as well as done their texting system many times but it takes four to five times for them to fix something that I paid off and to take the interest back off. I recently paid something off in XXXX however it is still on my account and I called about it multiple times. I have many screenshots of how they are charging me interest how I have to keep calling and sending messages to them and they never fix it. I have been through regular level employees all the way up to managers and I'm still having many issues with them and I'm getting really tired of constantly having to fight for them to actually take the money off of my account and not charge me interest. I don't have money just to be throwing around and then stealing from me. I can provide screenshots if necessary which I can also provide exact dates with those screenshots as well. I am constantly fighting for my stuff to be paid off and then to not put interest on my card but they're making impossible to pay anything off by doing this they just keep taking my money. It's extremely difficult to speak to anybody and you have to be on hold sometimes for over it an hour one time I was on hold for two. They also made it impossible to take screenshots very recently and I feel it's because of situations like mine. I have plenty more screenshots I can provide however there's a timeout amount of time which won't allow me to add more.
Product: Student loan

I received an email from Student Connections that once again has what I believe is false and misleading information on XX/XX/2020 despite previously asking them to correct this information and to be removed from their contact list in a prior CFPB complaint in relation to another email with the same incorrect information. My previous CFPB complaint, which remains unanswered by Student Connections is complaint number XXXX. The issue is that the correspondence address provided in both the new email as well as the older email referenced in complaint XXXX is for XXXX XXXX XXXX XXXX XXXX, instead of XXXX. As my actual loan servicer is XXXX XXXX, Student Connections should be providing contact information for either XXXX or XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX. This incorrect information, if being provided to others, could jeopardize other Americans ' payment status to XXXX XXXX due to an inability for them to receive correspondence. Private companies like Student Connections should not be able to obtain my loan history and send me inaccurate information via email.
Product: Mortgage

I have a mortgage with suntrust bank. My home was damaged during hurricane XXXX. It took me 8 months to receive a settlement from my insurance company. The check in the amount of {$100000.00} ( approx ) was made payable to myself and suntrust bank. 
They have been holding these funds since XX/XX/XXXX. I have spoken to them almost everyday and every day they have an excuse as to why they will not release these funds to me. Everyday they have another new policy or a policy change that must be met before they can release funds. 
On their loss mitigation page it clearly indicates the steps to follow and the timeline to receive funds. But in reality this is not true. They claim they process documents within 2-3 days and release funds up to {$40000.00}. But when I speak to the representative they say that it not true despite it stating so clearly on the website. 
I believe Suntrust is deliberately withholding payment so they can hold this money and coll3ct interest for their own enrichment. 
We are senior citizens and I feel they have deliberately altered their process to make it so difficult so that no matter how we try we can never comply with their demands Myself and my XXXX XXXX XXXX husband even went to a branch and had the branch manager call and speak to a representative, send over the required documents, have thT representative tell the bank manager a check would be sent out the next day only to call the next day and have another rep. Tell us that was not true. That manager at the XXXX GA branch spoke with XXXX XXXX who said to call him back the next day. We did and he wasnt there. I have left messages for him but he has never returned my call. 
I believe that Suntrust bank is preying on us as elderly clients to purposefully defraud and confuse us. Not to mention hold onto our funds unjustly. 
After all we have been through with a natural disaster to have suntrust bank add to our difficulties in this matter is disgraceful
Product: Money transfer, virtual currency, or money service

purchased 2 XXXX play gift cards. Totaling {$150.00}. Purchased at XXXX 's food after purchase I got home and tried to redeem and it said already redeemed. I just purchased them. I immediately card XXXX gift card services and opened a case. I called them back couple weeks later to get my refund and I was told refund was denied by Black Hawk Network. I got information and called XXXX. I got transfered 5 times same phone call. No one will help me. I called XXXX back and the kept repeating it was denied. How can it be denied when I didn't redeem the cards? No one will assist me and it's really bad to sell used cards. I was fraudulently treated and ignored for them scamming the public.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity on my report that is hurting my ability to obtain credit.
Product: Debt collection

MIDLAND Funding Is harassing me about a debt that is not mine I have already disputed this charge that is closed on my account but it needs to be removed immediately
Product: Mortgage

Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 

[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. ( XXXX : XXXX ) ] I spoke with XXXX and his supervisor XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 

XXXX also told me they submitted my complaint on XXXX XXXX, 2015, to the FTC 's Consumer Sentinal Network developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 

When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 

I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from Nationstar Mortgage, who is a debt collector as well! 

I am now re-submitting this complaint to Nationstar Mortgage, XXXX, XXXX and XXXX XXXX XXXX and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 

On Wednesday, XXXX XXXX, 2015 there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX supposedly on behalf of Nationstar Mortgage on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 

You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number 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 an account without my written instructions. My credit report is attached to reference this account
Product: Debt collection

I have reached out to XXXX XXXX to validate this debt and I was told that there is not any debt owed to them in the amount of {$1100.00}, I have requested that National Credit Systems validates this debt and they have not done so. I am requesting that collection ceases for a debt that is not owed and removed from all three credit buearu 's.
Product: Debt collection

The company CMRE FINANCIAL SERVICES , INC was contacted to resolve the matter but company refused to stop recording the conversation after being asked several times. They will not disclose information to a third party that is okay with being recorded to resolve matter. The medical bill was covered by XXXX XXXX hospital as a financial assistance program. This was sent to collections by XXXX XXXX XXXX XXXX XXXX accidentally this should have never been sent to collections according to XXXX. XXXX   informed me that once the hospital covers the bill they drop all charges, but XXXX never informed them of the assistance. I tried to inform the collection company of this several different times. Company is very unprofessional and is trying to violate my personal right to not be recorded.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All XXXX credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the XXXX agencies said they did a thorough research! 

Name of the account : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX to XXXX inconsistency! 

See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX  or XXXX  or TransUnion I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,
Product: Debt collection

I have no knowledge of the debt, all of a sudden. A judge orders a garnishment. The court has 1.wrong address, 2. Name, 3. Didn't bother to verify if the funds are disability. The judge didn't care that I'm recovering from XXXX, and continues to hold my funds eventhough, Bank of America, my employer, lied on the garnishment form. I now had to pay a court {$70.00} when I'm on 70 % of my XXXX income. I brought the judge proof, " no no '' can't be bothered. Another hearing so my money is gone. I can't get my meds, and lose my home. Thank you White Tank Justice court. I know my tax dollars are well spent!
Product: Debt collection

We opened an account with XXXX XXXX but cancelled it on the same day! They told us to rest assured that the account will be closed and nothing will be charged. They continued to charge us for the next 3 months before we realized. We got on the phone with them, chatted with them multiple times, and they kept saying they would refund those charges ( {$240.00} ), because they agreed we did not get any service from them, not a single day. After multiple calls and chats with XXXX, XXXX refunded us the unlawful amount they charged, on XX/XX/year>, as you can see in the statement screenshot of my XXXX card ( {$65.00}, {$64.00}, {$110.00}, totaling {$240.00} ). We thought the account was closed and everything was taken care of. 

But then on XX/XX/year> they re-added the entire amount for no legitimate reason ( {$5.00}, and {$240.00}, totaling {$240.00} ), then charged us late fees plus other fees totaling {$16.00}, in the XX/XX/year> bill. Then again on the XX/XX/year> bill they charged us a late fee again, of {$5.00}. After this they went ahead and closed our account and sent it to collections without any notification. We only got the letter from the collection agency Credence today for the entire amount ( {$240.00} + {$16.00} + {$5.00} = {$260.00} ). We called XXXX mobile today and nobody could open up the account because it was " closed and sent to collections ''?! So they couldn't do anything? But the collection agency told me XXXX needs to fix it and apply a balance to the collection account to close it out... Please help, this is just outrageously fraudulent...
Product: Credit reporting or other personal consumer reports

Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against XXXX for Failing to Provide a XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX documentation for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account.

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt.

Actions Requested : 1. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX properly discharged the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX continued reporting of this account as active or delinquent despite the alleged charge-off. 


I respectfully request that the CFPB intervene to ensure that XXXX complies with federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required. 

Thank you for your time and assistance in resolving this matter.
Product: Debt collection

Hunter Warfield XXXX amount {$13.00} Is reporting negative on my credit profile. 
Requested documents never provided.