23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168XXXX. ACCOUNT Name : XXXX XXXX and U.S. Bankruptcy Court XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was selling a bedroom set on XXXX on XX/XX/2021 XXXX  reached out to me via XXXX  about buying it she stated My company just posted me to your neighbor hood due to job promotion, I am moving in soon but i would like my movers to pick up the Item so they can take to my new house prior my arrival. If that's okay by you. She also stated My Husband really likes it, and the price you're requesting seems reasonable. I'll be paying with a Certified Check, Once you receive and confirm the payment clear in your account, Then i'll have my movers come to pick up the item Would take you for your word that it's in a good condition. I asked her Okay, and just to make sure you know were located in XXXX Nevada she then stated I will send to your email full FRONT copy and BACK copy of check to your email address So you could deposit it Via Mobile app while you take the pic from the printed check when it ask you to take pics of the check as its simple, save and secure and pretty fast and I will also have my banker process, verify and clear the funds and you should have amount in your balance. Do you have access to a printer? She continued to send me a fraudulent check with someone else name on it which I didnt know was fraud until my bank had ran the check after it was deposited and payments had been paid back to her because she decided she wasnt moving down here for work one payment or {$1100.00} was made out of that check to the Movers that were going to be moving her items. Hello, XXXX There is a change of plan, I won't be moving until next six months for some official reason from work. Will leave {$100.00} to you for the stress I made you pass through and your time. Kindly help me refund the {$350.00} through XXXX  today when you're less busy. Then the second payment made back to her was the {$350.00} for her refund. The check total she paid out to me with the fraudulent check was {$1500.00}. I have all messages and pictures of checks and payments between me and her. I spoke with my bank as soon as I figured out it was all fraud and got all my claims filed. They told me that they reached out to the institution to let them know of the scam and that there was nothing else they could do for me I was told from my bank We're stuck waiting for an answer from the bank that the payments went out to. I told her you guys need to reach out again and get an answer. She said they can only inform them of the scam attached to those payments then they have to wait for a reply I asked if there was anything else we could do to get the money back and get my account positive since it was fraud. She stated no I wasnt sent anything from the bank stating that my claims had been closed and that they had a resolution already. I was told that today by the banker I spoke to after being transferred 4 times to different departments
Product: Credit card

I settled with American Express on a balance owed in XX/XX/2014 through the services of a debt solution program. However, the charge still shows up as " Charge-Off '' on my credit report. Actually, it pops back up every month as a " Charge-Off '' which makes it seems like a new item/issue. The original balance on the card was {$1600.00}. It was settled for {$510.00}. Strangely enough, the Charge-Off amount equals {$1100.00} ; which is actually the amount owed {$1600.00} minus the amount settled {$510.00} ... 

I have attached a copy of my credit report, the agreement between the debt solution group and the AMEX Collection Group, and copies of the checks used to settle all three AMEX accounts, including the one in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans through a company that i make payments on monthly. However they have put late pays on my report and even put a 90 day late on when i still make payments monthly. I call them to pay them and complain about the late pays and they are very rude and unsympathetic even when it is their mistake.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations.
Product: Debt collection

Portfolio continues to call me about a debt that is at least XXXX XXXX XXXX, well beyond all statutes of limitations. They call me multiple times a day about this zombie debt. I have requested that they stop calling me numerous times.
Product: Credit reporting or other personal consumer reports

Im writing you today to inform you that I'm disputing erroneous information on my credit file. In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased products through XXXX  which used affirm as a payment option. I paid ALL loans off & received paid in full notification via email & inside their affirm app. 
ALL of the products ordered were incorrect so a return & refund was arranged. 
I returned the items and got confirmation they were received. Since then Ive been bombarded with emails telling me I owe them money ( which is baffling ). 
I spoke with an affirm representative and he told me that THEY STILL OWE ME {$670.00} XX/XX/2022 at XXXX p.m. I have the notes. 

XXXX Thats the confirmation number I was given for a 2 to 3 week response from XXXX ( which I never got )
Product: Debt collection

On XX/XX/2020, I entered an agreement with Hunter Warfield to settle an owed amount of {$390.00}. The settlement was for {$300.00}, that was to be split into two equal payments of {$150.00} ( see the document titled " Hunter Warfield - Settlement Agreement ''. ) On XX/XX/XXXX, the first payment of {$150.00} was posted to my account account ( see the highlighted transaction in the document titled " Statement, XXXX ''. ) On XX/XX/XXXX, the remaining {$150.00} was scheduled to be withdrawn. No such withdrawal was ever made. However, the funds were available for withdrawal ( see the Balance column of the highlighted portion of the document titled " XXXX Transactions & Balance ''. ) Today, on XX/XX/XXXX, I noticed that the {$150.00} still had not been withdrawn from my account. I called Hunter Warfield to speak with a representative. I asked the representative why the transaction failed. He said he didn't know why. I said I was willing to pay it today. He said since the transaction failed, the installment of {$150.00} and the entire settlement were both void. He told me that instead, my balance was {$240.00}, but that they could get the amount down to {$190.00}. I asked why I was never contacted my customer service, and he said that he didn't know. I told them that it was clearly a mistake on behalf of Hunter Warfield, and that either I will a. ) honor the original agreement of {$150.00}, or b. ) not pay until it was resolved. He said that they would not honor the original agreement, and insisted I pay the higher amount of {$190.00} - an additional {$45.00}. The representative recommended that I contact my bank and see if it was a mistake on their part. I contacted my bank, and they said that no such transaction was ever attempted on XX/XX/XXXX. 

Hunter Warfield is either deliberately lying in an attempt to collect more money than what was agreed upon, or are not willing to adhere to an agreement we made as a result of their own wrongdoing. The phone call ended after I repeated that it was Hunter Warfield 's fault and wasn't going to pay for their mistake. The representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, there inquires on my credit report that I did not authorize.
Product: Consumer Loan

This company is another example of dishonesty and fine print manipulation i filled an application to refinance my car within minutes the shared my info with XXXX different companies after i saw that i never wanted more then one hard click on my credit i looked them up on XXXX and it appears this is very usual for them to do this caused my credit to drop XXXX point please help
Product: Credit reporting or other personal consumer reports

there was a breach of security within the federal government by XXXX and XXXX XXXX. my personal info was obtained and retained illegally without my knowledge or consent. My info may have been shared without authorization. there was a failure to implement date security.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I 've had an account with XXXX XXXX, which XXXX and XXXX have been reporting. TransUnion still has failed to report it on my credit report, even though XXXX XXXX keeps sending them the information. Please take care of this error of not reporting this information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost job XX/XX/XXXX, behind on mortgage, mortgage refused to work it out. Hired lawyer, he worked with bank lawyer. XX/XX/XXXX I signed the property back to the bank. XX/XX/XXXX judge signed off on it. Told I owed Nothing per the agreement. To date mortgage company reporting to credit bureaus. Credit further damaged from inaccurate reporting. I no longer own the property. Now the town is trying to collect monies the mortgage company failed to pay. They also failed to change the land records.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

DITECH is keeping me from paying down my mortgage. I send extra money to my mortgage processor Ditech. It was XXXX. I 'm trying to pay off early. I 've been doing this for years without issue. My payment is {$540.00}. {$210.00} principle, {$220.00} interest, {$100.00} escrow. I sent {$3000.00} on XXXX/XXXX/16. They did not apply the extra to principle but charged {$670.00} interest, {$320.00} escrow. I called to have this corrected. Then on XXXX/XXXX/16 they backed out {$1500.00} including {$830.00} principle. Basically increasing my mortgage instead of reducing it. I called again on XXXX/XXXX/16 and they told me they put some funds from my last payment into an un-allocated account without telling me. My check specifically state to apply overpayments to principle. Do n't they have to apply it and not sit on my payments for 40 days now. This ca n't be legal.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX AM received and email from Bank of America confirming an email " update '' I did not make a change in my email so I called Bank of America. Talked to XXXX she said 2 transfers were pending XXXX and XXXX I asked that she STOP these charges that I did not make them and was told " The are Pending and she could not stop them. She put a Fraud alert on my Account. I have received four letters from Bank of America, going from from crediting my account for the Fraud charges and then " re-investigating saying we are responsible for all the transfers. I have sent two letters asking for information on where this money went and to whom it went to and I haven't received anything. Bank of America has a email in their system that does not belong to me but they will not release to the email. 
I have filed a theft report with XXXX XXXX XXXX XXXX office ( felony theft ) also a report with the FTC XXXX all three credit bureaus and a complaint with Alabama Attorney General Consumer Department XXXX All of this information has been faxed/mailed to Bank of America twice XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) I have called Bank of America five times and get nothing but the " run around ''. I need this resolved. Bank of America is now charging me late fees on money I do not have and did not transfer. Based on past account activity this out of character for me. It should have been a red flag for the Fraud Department having my credit card maxed out with two transfers.
Product: Mortgage

I closed on a mortgage loan on XX/XX/XXXX with XXXX XXXX XXXX. my mortgage loan was transferred to AmeriHome mortgage by the original loan originator in XX/XX/XXXX. The original loan was for {$240000.00} on a 30-year basis at an interest rate of 5.75 %. 

I aggressivly made prepayments to reduce the principal amount before the transfer and after the transfer. AmeriHome consistently misapplied these payments as future payments against interest, as opposed to against principal. When I contacted them numerous times by phone to complain, they applied the amounts against principal, but treated them paid against principal on the date of recharcterization as opposed to the date received. As a result, I paid approximately {$500.00} more in interest payments than I would have if they applied the prepaid amounts as of the date actually received. 

To avoid further overcharging, I paid off the remaining balance of the mortgage in its entirety in the amount of {$180000.00} on XX/XX/XXXX, and wrote to AmeriHome that day via email to request they research the overcharges for interest, correct the record to apply prepayments of principal as of the date actually received, and refund interest improperly charged. I have received no response. 

AmeriHome 's records confusing as a result of their misapplication of funds and recharacterization on different dates, making it very difficult for consumers to understand what they are doing. A single prepayment can thus have two or three entries. Even their own customer service staff have difficulty understanding the history due to their records. The accounting problem hides the overcharges, especially for consumers who are not adept at reading accounting statements.
Product: Checking or savings account

I received my account was closed. I had XXXX dollars in my savings account and chime is refusing to give it to me. They said I did not follow terms of agreement if there was fraud I did not cause it and requested investigation. I need my money for rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.

This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, 2022 ) through which I gave them my address, name, date of birth and SSN. Then I contacted XXXX, Experian and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, 2022 ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, 2022 ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XXXX XXXX, 2022 ) from Experian and XXXX stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been well over 45 days. I feel like I am being taken advantage of and I will file for litigation if necessary. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion. The credit bureaus are in major violation and this matter should be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Macy 's Account was opened XX/XX/2013 And closed with a balance of {$2100.00} and it is listed as a charged off account on XXXX 
It is a fraudulent account.
Product: Debt collection

I received a email letter from Speedy Cash for a missed payment in I never applied or took a loan so I called the number on the email, then after they kept asking for my social security number, I hung up and called Speedy Cash from their Internet provided number, and spoke with a real Speedy Cash employee and was advised that someone attempted to take out a XXXX loan in my name via online application, I believe this was caught due to my phone call. However I have now ( XX/XX/2023 but dated XX/XX/2023 ) received a paper mail debt collection notice that echoed the email attempt at getting a payment. The phone number they requested I call was ( XXXX ) XXXX. I did not and again called the real speedy cash at the Internet listed number. They advised that the previous call for fraud had been recorded and gave me this web sight to report this case event.
Product: Debt collection

Received a phone call this morning from ARA XXXX claiming to be a law firm ( XXXX ). Claimed I owed a line of credit to XXXX XXXX XXXX for {$20000.00} from 1992 and that I needed to pay immediately or they would file a lawsuit with the XXXX XXXX Courts and the sheriff would be at my door with a summons. I told them I have never done business with XXXX XXXX XXXX and have never had a line of credit. He said that it has showed up on my credit report for years and many attempts have been made to collect. I told him I have never seen this on my credit and I do not owe the money and that the statue of limitations has already passed. He said I must owe the money because I know of SOL and that he could make a deal with me to settle the debt if I paid now. I once again told him I did not owe the debt - he then processed to talk over me in a very threating manner saying that he was going to file the suit and the next time I hear from then it would be the sheriff at my front door - he then screaming some profanity at me and hang up. I am over XXXX and feel that this type of behavior is getting out of control especially with the senior population.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a wriiten letter requesting on XX/XX/2022 to remove this item off of my credit report. XXXX XXXX loan and to no avail. It has been well over 30 days and there is no response.