23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX XXXX I sent two Mortgage Payments of {$820.00} to the Loan Originator and then soon to be servicer and owner of my Promissory Note and associated Contract ( s ) to the Company of which I am hereby complaining about, iFreedom Direct Corporation. Those payments were both sent pursuant to the Final Closing Disclosures issued by the Loan Officer, XXXX XXXX by Certified Return Receipt Requested US Mail Article # XXXX. Those payments were received by the company on XXXX/XXXX/XXXX. On that date I received a call from the Company, XXXX, wherein the company attempted to explain to me that they did not want the payments. I replied by stating they were discussed with my loan officer [ see attached emails ] prior to my executing the agreements and I was assured the two monthly payments { for XXXX & XXXX XXXX } would make it to the chosen loan servicer. On XXXX/XXXX/XXXX I received a statement and bill from XXXX indicating that the two previously remitted payments had NOT been surrendered to that servicer as was promised and as law dictates they should have been. I sent a payment that day for the XXXX XXXX payment ( so indicated on that personal check and on the enclosure ) by Certified Return Receipt Requested US Mail [ Art. # XXXX ]. On Saturday XXXX/XXXX/XXXX I attempted to phone CENLAR in an attempt to reconcile my records and payments with their real-time ledger on my account, I was unsuccessful but was able to get an automated service which indicated that " there was action on my account on XXXX/XXXX/XXXX. I need to know what happened to my personal checks? Were they remitted and forwarded to the Servicer? Are Credit ( s ) going to issue for my XXXX and XXXX Payments? Has the most recent check been applied to the XXXX XXXX statement? Any insinuation that I must have sent a payment or payments to a then unknown servicer is absolutely rediculous. The Loan Officer was made fully aware that I was paying the note in advance and each were executed before closing the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started seeing hard inquiries on my credit report which i dont have any knowledge about, moreover, I am not living in united states for more than 5 years, i am living in my home country XXXX. 

Below I will give the list of inquiries on my credit report please help me to delete them from my report. 

1 ) XXXX  XXXX -Inquiry from XX/XX/XXXX 2 ) XXXX-Inquiry from XX/XX/XXXX 3 ) XXXX-Inquiry from XX/XX/XXXX 4 ) XXXX-Inquiry from XX/XX/XXXX 5 ) XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 6 ) XXXX XXXX   XXXX-Inquiry from XX/XX/XXXX 7 ) XXXX XXXX-Inquiry from XX/XX/XXXX 8 ) XXXX XXXX-Inquiry from XX/XX/XXXX 9 ) XXXX-Inquiry from XX/XX/XXXX 10 ) XXXX-Inquiry from XX/XX/XXXX 11 ) XXXX-Inquiry from XX/XX/XXXX 12 ) XXXX-Inquiry from XX/XX/XXXX 13 ) XXXX-Inquiry from XX/XX/XXXX 14 ) XXXX & XXXX/XXXX-Inquiry from XX/XX/XXXX 15 ) XXXX XXXX-Inquiry from XX/XX/XXXX 16 ) XXXX/XXXX-Inquiry from XX/XX/XXXX 17 ) XXXX-Inquiry from XX/XX/XXXX 18 ) XXXX-Inquiry from XX/XX/XXXX 19 ) XXXX XXXXInquiry from XX/XX/XXXX XXXX ) XXXX  XXXX-Inquiry from XX/XX/XXXX XXXX ) XXXX   XXXX-Inquiry from XX/XX/XXXX XXXX ) XXXX  XXXX-Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX our deposit ( {$2500.00} ) was accepted without a hold and our online account reflected the full funds in the balance XX/XX/XXXX. The payroll check was drawn on XXXX XXXX XXXX from a business account we have owned for over 25+ years and not one payroll check has been returned in that time frame. We have had a personal Bank of America account for over 30 years so there is a consistent pattern of deposits of these payroll checks being accepted without issue. The next day ( XX/XX/XXXX ) we confirmed the deposit and processed some bill payments. The following day, which was three business days after deposit or XX/XX/XXXX our balance reflected a reversal of the deposit, putting our account into overdraft. BofA explained the reversal based on suspected fraud claiming the XXXX XXXX XXXX check was possibly fraudulant. Since we owned the XXXX XXXX XXXX payroll account we had proof it was not fraudulant having hard copies of the XXXX XXXX XXXX payroll account showing the funds CLEARING the account and confirmation of BofA receiving the funds before BofA withdrew our deposit. We had proof the funds left XXXX XXXX XXXX but BofA still took our funds out of our account. We personally spoke to a branch representative who said they would look into it as well as speaking with a phone representative. Each time we asked they contact XXXX XXXX XXXX since we had hard copies of the account activity but they said that was not the process. The outcome was the funds were returned immediately ( day three ) to cover the bills. The scary part? None of the transactions are reflected on the statement. The negative balances disappeared, the day one deposit  disappeared and instead, the deposit is now showing a back-dated date of XX/XX/XXXX. Absolutely no paper-trail of the actual activity. Does the Congressional Committee for Finance find this acceptable behavior? If the bank claimed " Suspected Fraud '' on just 10 % of all consumer deposits in a {$2.00} trillion company they could change their balance sheet and people like me can't do a thing about it. We can't float checks anymore but BofA can float deposits at will? I will be closing my account, and there is no acceptable resolution since the issue is integrity and trustworthyness.
Product: Debt collection

Sadly, AAFES never responds to my inquiries unless I file a complaint with the CFPB. 

My alleged debt ( will be disputing what was collected ) has been repaid. I am attaching a copy of my final statement. The final payment was made when my income tax return was off-set for {$1300.00}. I contacted AAFES by email on XX/XX/XXXX, requesting verification that it had contacted XXXX ( my employer ) to stop garnishing my military retiree pay. My retiree pay has been garnished since XXXX. 

This unprofessional company - AAFES did not/has not responded. I received my military retiree account statement for XX/XX/XXXX. AAFES is still garnishing my pay. 

AAFES also illegally assessed a {$17.00} " payment fee '' ; this is in violation of Federal and State laws as unfair fees. 

My request is simple, AAFES needs to notify XXXX to stop garnishing my pay for an alleged debt that has already been repaid soonest! I am also owed a refund in the amount of {$280.00}, the amount that has already been sent to AAFES for the month of XXXX, for a debt that has already been repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Portfolio Recovery 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

XXXX Ppp loan with XXXX XXXX was sba approve a month ago signed documents and all money hasnt been transferred and cant get in contact with capital financial or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Missing employment info. I have copies of employment history with a  XXXX  company that does not reflect on consumet report. Also company that previously requested this info from this consumer reporting agency provided me a copy of the report with my employment background stated on report but now this info no longer showing up.
Product: Money transfer, virtual currency, or money service

My wife incorrectly sent Bank Of America a XXXX payment thru XXXX XXXX  electronic payment system. However, the Bank of America account had been closed for several years. When the mistake was realized we spent several hrs back and forth with both banks. Finally ending up having XXXX XXXX  send Bank Of America fax information detailing proof of transaction. Now several a few weeks later XXXX XXXX  is reporting that BOA will not cooperate due to privacy issues. This payment should have been returned in 3-5 business days since the account was defunct. Contacting BOA for assistance has been a nightmare. I received fax number for the XXXX XXXX  transfer request from a supervisor at BOA. Its only XXXX dollars but I have spent several hrs on this supposedly simple issue already.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I requested your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Bank account or service

TD bank is charging multiple overdraft fees totaling to {$170.00}. The bank account never went negative on there balance transaction sheets. I do n't see how this legal. I have attached a pdf of the account. I need this to be resolved.
Product: Debt collection

I was contacted by a third party collection agency that violated the FDCPA section 809 A and B. I asked for verification of debt during my validation period and was informed it was just mailed to be on XX/XX/2020. I requested this at the beginning of XXXX. I got another got today from an agent that continued to collect during my validation period. I do not appreciate being ask if I need a friend or family member to help me pay the debt. I have rights to request this information and the company was late sending it out to me. I am requesting the CFPB review this call and the collection practices of the agency. As I told the gentleman on the phone. Once I get my paper work I will call you, but this company failed to send out the documentation within 30 days of my request. 

This account is also being disputed as I believe the balance is wholly inaccurate. Please send proof this is my debt. This debt may be XXXX, but I promise I will spend more money protecting my rights and preventing any agency from violating these rights. If that means filing a civil suit against the third party collection agency and their client.. I will do so. Damages are awarded for FDCPA violations. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXXr system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my XXXX  attempt which you have ignored my first request sent on XX/XX/24. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I'm emailing you a summary of the actions and proof given to Bank of America prepaid services pertaining to my fraud case. Bank of America states that their cards are covered by Fraud protection. 

I contacted Bank of America prepaid services about multiple transactions made on my unemployment prepaid card. They said that they would open a dispute claim for me. I have replied to all of their requests to me in a timely manner. 

{$3600.00} was fraudulently taken from my Prepaid account. 

XX/XX/XXXX {$800.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$440.00} On XX/XX/2021 I sent a letter and documents to Bank of America prepaid card operations. This contained all of the material they had requested from me. I will include such documents in this email as well.

A dispute letter stating that the money withdrawn from my EDD Bank of America account was done fraudulently and that I expect this to be remedied and to be credited the money owed me. 

A copy of my drivers license and also a recently taken passport photo. 

A list of the fraudulent transactions and time stamped proof from my employer as to dates and times it was impossible for me to be at the locations where these ATM transactions occurred. 

XXXX XXXX Sheriff Department case information. Case # and contact information. 

I have called them 18 times over a span of 8 months. A log of all of these phone calls is attached to this email. 

I've been denied multiple times and have filed multiple complaints to no avail. 

I have been given false information and felt dragged along unfairly through this process. Im now contacting you because I have been told that you may be able to help me resolve this case. I have been informed that Bank of America prepaid card services may be in Breach of Regulations.
Product: Debt collection

Upon researching how to file this complaint, I discovered that IC System, the company this complaint is regarding, has violated Regulation F of the FDCPA. IC System did not include an itemized list of charges. IC System did not include a returnable form allowing the consumer to check a box for " This is not my debt '', " This amount is wrong '', or " Other ''. Regulation F requires this to be included in the validation letter, and IC System is in direct violation. 

IC System has unexplained charges on their debt validation letter. I'm unsure of how to upload a copy of this letter to the CFPB. It lists {$430.00} as " Previous Balance '', which is not a validation of the debt, and has no explanation of where this balance came from. 

IC System did not send me required correspondence within XXXX days of initial contact, which is required by the FDCPA. 

IC System has falsely reported negative information on my credit reports after being disputed, and they have refused to discuss a remedy for this false reporting. 

IC System has caused me measurable harm, and is liable under the FDCPA for up to {$1000.00} in civil penalties. This is an attempt to resolve the matter and have myself made whole. If IC System refuses to resolve the matter with the CFPB intervention, I will be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX
Product: Debt collection

XXXX is attempting to collect funds for Valuations services not provided or requested- see below. XXXX XXXX, XXXX responded to the false allegation on XX/XX/2022, and requested supporting documentation of XXXX XXXX ( Appraisal ) not provided to XXXX XXXX XXXX 

" We attempted to withdraw the {$5000.00} your business owes on its XXXX XXXX XXXX account but were unsuccessful. So we added a Returned Item fee of {$25.00} to the balance owed. The new total owed is {$5000.00} and due immediately.

If youve already sent a payment, you can ignore this notice. 

How your business can pay Call us at XXXX to pay over the phone by credit card or check. If you have any questions, you can also chat with us. 

Or Click Here to upload a completed payment coupon using our secure portal. 
If your business can't pay the full amount, call or chat with us to talk about all your options. 

You can also get help managing your business 's XXXX XXXX Payments account in our Merchant Service Center. 

Thanks, The XXXX XXXX XXXX XXXX account : XXXX Business name : XXXX XXXX, XXXX Case number : XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts Below have violated my Federally Protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 a States I have the right to privacy.

15 USC 1681 C ( a ) ( 5 ) Section States no consumer reporting agency may make any Consumer Report containing any of the following items or information any other adverse items of information other than records of conviction of crimes which antedate the report by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency if the person know one has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Charges were made at a XXXX or XXXX on Monday XXXX XXXX do not have the amount. I phoned Wells Fargo that day and reported the fraudulent charge. ( I received a text alert that a suspicious charge had occurred ) today I received a letter that their fraud department thinks the charge was valid. It is not, I did not make this charge, nor did anyone else in my home or family. 

I appreciate any help you can give me. Thank you so much.
Product: Checking or savings account

I deposited a check from XXXX XXXX XXXX to cover a credit card payment due. USAA put a hold on that check and will not honor it for FIFTEEN days. Meanwhile, they bounced my XXXX payment. I asked them to release the hold. They will not. I asked them to cancel the deposit so that I could either re-deposit or pay the CC with my other checking account. They will not. I am held hostage and they are holding MY money.
Product: Checking or savings account

I paid XXXX $ for a digital good through paypal goods and service on XX/XX/XXXX XXXX XXXX PST. 

The seller agreed to provide me the goods and email account associated with the said item. I have this transaction on video of the seller. The seller agreed to the transaction and when I sent the payment, I was sent fake credentials. I have video of me paying the transaction and me receiving the said items that do not work or was not described as part of the deal. I have opened a dispute with paypal, but the seller is now providing fake created screenshots of messages through discord that I was not part of and we mainly dealt on facebook messenger. In the video, it shows me paying through the paypal email he wanted me to and I did. He did not provide me the item I was meant to be given. I am currently awaiting paypal on this dispute. The current dispute reference number is Case ID : XXXX
Product: Debt collection

I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

As requested by XXXX please see the accompanied Fraud Packet completed and supporting identifying document initially mailed a few months ago. Please provide me with a copy of their response through the CFPB portal for my receipt.
Product: Student loan

I acquired a bankruptcy attorney in XX/XX/2019. Per my attorney I was advised not to communicate with any debtors. I continued with the bankruptcy process and it was discharged. I received negative marks from the Department of Education/Aidvantage after the bankruptcy was discharged. I have never been late paying student loans currently or prior the negative marks on my reports.