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

So I went in to the cash check cashing place with a check I had from XXXX XXXX, I dont bank with XXXX XXXX anymore but I used to. I had a check for about {$140.00} something dollars I might be wrong on that but I dont even have a copy of the check they are referring to. The lady behind the counter called XXXX XXXX to verify after a 30 min wait she called me up gave me my money and I was on my way. About a week passes and the same lady calls me and she tells me that the check bounced and without explaining to me anything else or letting me speak she begins to tell me if I didnt take the money right there and then she was going to call the cops at that moment and have me arrested. I began to tell her I didnt appreciate the tone or the contents of her communication torwards me as I went into that business like anyone else payed my fee which makes no sense why they are asking me to pay twice now. ( {$160.00} ) I have that ladys whole rant in an audio recording and I can provide it I just need help to where I should send it. I was harrassed, and stressed by her actions. In part I feel like Im not responsible for the check bouncing being as how she called XXXX XXXX and was told it was good, I think she should go after XXXX XXXX for that money. I have tried to contact XXXX but I dont know exactly what they told her as I havent been able to reach through ... the other side of me thinks if I do have to take responsibility for it then that would make sense if again the lady that called me wouldnt have harassed me the way she did. Aside from everything she said to me which was completely illegal, now I have this letter from collections because of her! Nobody from her company has called me to figure this out with me and I was told someone would. I honestly want to counter sue because I did NOTHING wrong here besides go cash a check that was verified to be good. Their business practices are illegal Ive made myself completely available to help them collect the money from XXXX. I feel completely disrespected and I will stand my ground here like I said I have an audio recording. And Id like to counter sue for their actions
Product: Debt collection

I have a a unverified account from PORTFOLIO RECOVERY # XXXX # XXXX,. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft & I have been trying to clean my credit up for years, I have multiple hard inquiries on my credit report that are fraud I have 99 soft inquiries and 50 of them are fraud I have tried disputing with complaints to companies they refuse to remove these fraudulent inquiries
Product: Checking or savings account

I went to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to open 3 CDs on XX/XX/XXXX for the same rate of XXXX  % for 1 year each, as advertised. 

I was greeted as I entered the branch, shared the reason of my visit, CDs for XXXX  % and 1 year term. I was told that it will be done online and then directed towards an officer to be helped. 

It took a while as I had to repeat the same information for the 3 different CDs, and because I am rather clumsy with a keyboard. I remember as well that the officer had also some problem as I was using cashier 's checks, an option not offered on the application. 

Anyway, once that was done, we moved towards the cashiers to remit the cashier 's checks. I received then XXXX flimsy deposit receipts, no paper showing the term and interest rate. I was told that I would be unable to see the new accounts before a few days. I checked my phone application a few times over the next few days, finally saw the correct amounts invested in the XXXX different CDs. 

I had no reason to doubt on what had been done and I left it at that until today when I clicked on account details. I discovered that XXXX CDs had a XXXX  % rate for 10  month, not 1 year, but also that the 3rd one had a XXXX % rate for 36 month. 

I went immediately to the branch. No one can do anything, not the officer  at the branch, nor someone contacted over the phone, not her supervisor. According to XXXX XXXX  policy, the customer is responsible for the choice made at the time of the application, not the officer. My choice has been expressed loud and clear on XX/XX/XXXX. A mistake has been made when filling out the rate and term for one of the CDs, either by me as they say, or by the officer. Should not it be his duty anyway to make sure that what is done correspond to the wish of his customer? If not what is the reason for him to be there? 

To get the term I want, even without considering the change in rate, I would have to pay a hefty penalty. 

XXXX XXXX is not transparent with its customers and unwilling to recognize human errors even when they might be coming from an employee. 
According to the supervisor I had only a day to change my mind, that is totally unrealistic as I didn't have access to any details on the transactions from the phone application before a few days ahead. 

Is something can be done? Any customer should be made aware that he will be facing a total denial of any responsibility from his bank.
Product: Credit reporting

I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX Bank, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XX/XX/2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!
Product: Credit card

I am not new to credit cards or 0 % interest timeframes. I know that, in the last few years, laws have changed to avoid cheating customers. My accounts have clearly listed when my 0 % would expire, warning me when it would be the next statement. 

Synchrony did not do that on my home account. I knew the 0 % was expiring on XX/XX/XXXX. There was {$100.00} left on my XXXX statement. I paid {$50.00} and planned on paying the other {$50.00} in XXXX statement. 

Well, they billed me ON XX/XX/XXXX, charging {$120.00} ( 12 months ) of interest before I could even see and pay it. It was first thing in the morning XX/XX/30! 

Ive tried talking to them multiple times and they say thats how they do it. I dont believe this is a fair legal practice. No other credit card had done anything like this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XX/XX/XXXXXXXX XXXX Late Dates : XXXX for I believe it was reporting in error.
Product: Debt collection

The collection 's department at Conn 's Corporate office changed my mailing address on my account on XX/XX/21 erroneously and falsely ( I was told by Conn 's customer service that a skip tracing technique was used to find the erroneous and false address ). The erroneous address was reported on my credit report on XX/XX/21. Because of this erroneous and false information reported on my credit report, my application for a loan was held up and maybe even hindered. The representative ID # XXXX in the collection 's department at Conn 's Corporate office eluded to having the authority or rights to change/update my address without verification from me anytime Conn 's wants to change my address.
Product: Credit reporting or other personal consumer reports

I took out a small short-term online loan with XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX. The loan amount was {$800.00}, and the repayment was {$260.00} per month for a period of 6 months. 

I fell behind on the payments of this loan after making the first payment. 

There are two issues that I have had with this account. The first being the inaccurate/false credit reporting information throughout this process, and the second being that I paid off the account through XXXX in XXXX of XXXX, and XXXX  XXXX continues to report this account with an open balance. 

The first issue is the inaccurate reporting. This account reports as an open account XXXX days late, This reporting is false, and it is done to maximize the damage to my credit score. The date of last payment per the credit report is XX/XX/XXXX, yet the reporting as of XX/XX/XXXX on my Equifax and XXXX report the account XXXX days late with a balance of {$2300.00}. 

The second and most important issue is that this account was paid off XX/XX/XXXX in the amount of {$810.00}. This account was paid through XXXX  on behalf of XXXX, XXXX, with the original creditor being XXXX XXXX XXXXXXXX XXXX XXXX. I have attached the confirmation of payment as well as emailed correspondence with XXXX. 

I expected the account to be updated to reflect the payment, but it has not been. I disputed this information with the credit bureaus, and XXXX  XXXX has refused to correct. I have made multiple attempts to resolve through XXXX and XXXX XXXXXXXX through email and phone calls, but I have been unable to get any type of resolution. XXXX  XXXX is reporting this account open and unpaid, yet I have provided all of the documented proof of payment. I have been requesting this correction for over a year. 

XXXX  XXXX is doing a great deal of my harm to my credit, This company is not working in good faith, I have satisfied this debt.
Product: Debt collection

I received a mail stating that I owe financial recovery services, Inc, they said the debt is {$1500.00}. They are trying to collect on debt not owed. I am currently waiting on validation. If they can't provide please remove immediately for my credit report
Product: Debt collection

Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XX/XX/XXXX. I now have a pre-trial conference scheduled forXX/XX/XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2.  XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 
3. It is unclear if the name listed under the lender, XXXX XXXX XXXX, XXXX. Is an authorized signer. Most companies have a delegation of authority in place. 
4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 
5. XXXX XXXX XXXX was acquired by XXXX XXXX in XX/XX/XXXX but did not change their name until XX/XX/XXXX. It is unclear whether XXXX XXXX sold the debt or paid it off when they purchased XXXX XXXX XXXX. 
6. XXXX XXXX is unable to confirm the business transaction between XXXX XXXX XXXX and XXXX. 

When I read the XXXX XXXX XXXXXXXX XXXX about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XX/XX/XXXX. You finally did a review and filed a complaint against this entity in XX/XX/XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent accounts from my credit file. 

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5000.00} Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX, XXXX XXXX Amount : {$0.00} COLLECTIONS : XXXX XXXX XXXX {$1100.00} OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$69.00} I have attached a copy of my FTC Identity Theft Report with listed accounts and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX LAST XXXX : XXXX
Product: Credit card

I do not have specific dates for calls other than today XX/XX/year> but Ive called Capital One multiple times regarding the reasoning on why my monthly payments are not reducing my balance. They said that its their policy and if I pay more than the minimum, thats where Ill reduce my balance. So, in essence, Im being punished for using their services and in the meantime, stuck on paying my balance. I told the lady on the phone that I can not afford more than the monthly payment and she said thats just their policy. Its predatory to advertise and market their services and then in turn force the consumer to essentially keep paying them free money and forever not reducing my balance.
Product: Checking or savings account

I was contacted on XX/XX/2021 by individual, " XXXX XXXX, '' representing himself as XXXX with XXXX  ( digital currency provider ). He stated that their system indicated my bank account had been compromised, and that he was going to help me resolve the problem. He proceeded to have me download software onto my device which he then used to enter my bank account. He spoke very fast, professionally reassuring me that he was saving my account, performing activities in my account so fast that I could not follow. While he was reassuring me he was saving me from fraud, he was sending my money through XXXX, actually stealing {$6000.00} under my nose. 
I was notified by Bank of America of the fraud, told they intercepted the exchange, and that they had my money, all was well. 
On this date, XX/XX/2021, Bank of America informed me that my claim was being denied due to lack of evidence, that my money would not be returned unless I provided evidence of " spoofing or porting. '' My phone provider, XXXX, can not offer that information. 
I have filed a consumer report with the FTC, which then also referred me to this website. 
I would appreciate any help at all. 
Thank you. 
XXXX XXXX XXXX e-mail : XXXX XXXX
Product: Debt collection

After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from Portfolio Recovery Associates, LLC, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH STATEFARM BANK-NMLS VIA XXXX. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.
Product: Debt collection

On XX/XX/20, {$140.00} was debited from my checking account and sent to Dynamic Recovery Solutions, a subcontractor of XXXX XXXX. On XX/XX/20 I received a confirmation letter in the mail that the debt was NOW settled. Well, today I called to see when they were to be removed from my credit report, and they denied that payment ever happened! My bank confirms that the transfer went through. Someone is a liar. Money doesn't just disappear.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil it's legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrected action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

I received a loan from a local credit union to pay off my student loans serviced through ACS. The Credit Union sent in the payoff money. The money was applied only to one of my 5 accounts, leaving payments due for XX/XX/2017. In the middle of XX/XX/2017, I called ACS and was told there was a huge surplus on one of my accounts, and that this surplus could be applied to the remaining 4 accounts. I checked and this did n't happen. I called ACS back and was told they could not apply the overpayment to my other accounts, forcing me to go into a forbearance request. They said it would take 30-60 days to receive my overpayment back, at which time I 'd have to make the payment to ACS myself. 
I am going to be very upset if I am charged any fees or dinged on my credit. How can ACS hold my money interest free and lie to me on the phone?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX BETWEEN XXXX AND XXXX, Inquires Has Violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$680.00} XXXX  # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$420.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and request removal of outdated and misleading information regarding an account with XXXX XXXX Bank ( Account # XXXX ) that appears on my TransUnion, Experian , and Equifax reports. 
This account is listed as paid and closed, yet it continues to reflect outdated dispute notations such as dispute resolved ; reported by grantor or account was in dispute now resolved. These remarks are no longer relevant and may unfairly impact my creditworthiness. 
Furthermore, there are inconsistencies in reporting among the three bureaus : TransUnion & Experian report a high credit of {$480.00} and a credit limit of {$400.00}. 
Equifax reports a high credit of {$400.00} and a credit limit of {$0.00}. 
Under FCRA 607 ( b ), all information furnished to consumer reporting agencies must be accurate and consistent. I respectfully request that these outdated remarks and inconsistencies be investigated, corrected, and removed where appropriate. 
I have contacted the credit bureaus, and if unresolved, I am requesting your assistance in investigating and removing this misleading data from my credit profile.
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 XXXXXXXX Account # : XXXX has violated my rights.

15 USC 1681 section 602a : States, I have rights to privacy.

15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions.

This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately.