23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America closed my accounts. I have received in the form of a cashiers check some of my money, but a substantial amount is still missing ( {$10000.00} ) A BOA representative said that the IRS check I received and was deposited would be sent back to the IRS. Its been XXXX weeks on the IRS end they said they have not received the return and shows still deposited in my account. So I ask where is my money. I call the investigator working on my case numerous times to no response, not even a courtesy call back. I call BOA and they say we are unable to take your call at this time. I call every day at different times and same XXXX. Im so sick tired of this financial institution. Just giving me the run around. They are stealing my money by holding it hostage. I dont understand why they didnt just mail me ALL my money when they released the other funds in my checking and savings account. At one point they released the money into my account and then locked it back up. I shouldve ran with my money and left this bs bank. My XXXX self decided to stay loyal to them and now this. Do I need to involve the authorities or a lawyer? Please someone get back to me. This is a substantial amount of money. Im tired, XXXX, angry and stressed on how a bank steals from you. IRS dont have my money, they have no record of it being returned. I dont have my XXXX XXXX  so I ask where is my money??? Please please help in this dyer situation. Thank you XXXX XXXX
Product: Mortgage

I have had multiple issues with my mortgage company servicing my loan Specialized Loan Servicing. I am currently trying to refinance the loan and they are not working with the new mortgage company. 

Issue 1. I got the loan back in XX/XX/XXXX. I attempted to set up ACH automatic payments right away and was told I could not and would have to way 6 months before I could. In XX/XX/XXXX I went on the website and set up ACH automatic payments. Come the beginning of XX/XX/XXXX I received notification that my loan was past due. After getting this notification I immediately called SLS and asked them what was going on and why my ACH wasn't happening. They said they did not see it setup. I immediately paid it the balance due and from what I recall they told me they would look into it. I also asked to make sure we get the ACH setup and was told we couldn't because My loan was past due. At the beginning of XX/XX/XXXX I went on a cruise and didn't hear anything back before I left and then completely spaced it afterwards. 

Issue 2. Fast forward to now. I am trying to refinance my loan now that I have a more stable income and am working with Quicken loan and they told me that SLS is not reporting my loan to my credit and they also asked why there was 3 payments made in XX/XX/XXXX. They said that this will hold of the loan if SLS is reporting the payments over 60 day late and would disqualify me. XXXX Said they have tried to contact SLS multiple times when no success. I called SLS on XX/XX/XXXX to get these answers myself. When I asked why they said they did not know why it wasn't being reported and I asked how the Missed payments in XX/XX/XXXX and XX/XX/XXXX would reflect and also mentioned to them I never hear why the ACH did go through. They said they would have a Manager contact me. I have not heard anything. I called again today XX/XX/XXXX and I asked for a supervisor and the lady I spoke with said that there is not one available. She asked if this was in regards to my loan not showing up on my credit and I said yes among the issue back in XX/XX/XXXX with the Auto payments and why this never was looked into etc. She said she would escalate the issue immediately and she forward my phone call to another number that Said they were currently closed and to try back later. I was unable to leave a VM. 

They have failed to follow up with me to help me understand why my automatic payments didn't go through and did nothing to help rectify the situation and now they have failed to follow up with me of why things aren't be reported to my credit and why they have not followed up with the company I am trying to Refi with. They have also failed to provide me with all correspondence sent to me. 

Also SLS has failed to return calls to the mortgage company I am attempting to refi with which is XXXXXXXX XXXX. SLS is not providing the servicing duties and for the lack of better wording is not doing their job.
Product: Debt collection

according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, I never received anything in mail. They keep sending me emails saying theyre trying to get in contact with me to have this matter resolved. I keep informing them that I did not debt. I never applied for any rental and I asked them to send over A debt validation certified they never did so they keep emailing me and that is not a proper way to give me a validation. I also asked for a wet ink validation to see where I signed this lease agreement, I never authorize anyone to open anything in my name. Also had a father alert on my credit report and they still went ahead and ran my credit and now I have this collection on my current report thats causing harm from me trying to obtain any type of credit.
Product: Debt collection

It has come to my knowledge that Portfolio Recovery Associates has multiple violations under The Fair Debt Collections Practice acted against the consumer XXXX XXXX for harassive and abusive practices.
Product: Money transfer, virtual currency, or money service

I sent {$10000.00} ( XXXX XXXX XXXX ) to a relative in the XXXX in XX/XX/2022 through Moneygram online. A few days later I checked back online and the transaction date was changed to XX/XX/XXXX for some reason and that my recipient should receive the money by XX/XX/XXXX The reference number was XXXX. I waited and waited but my recipient never received the money. So I called Moneygram 's XXXX  number and the representative told me there was a technical issue and to wait 1-2 days and my recipient should receive the money then. I called 3 days later ( XX/XX/XXXX ) to let them know that the money hasn't come through yet and I was told by another representative to wait 24 hours. The next day ( XX/XX/XXXX ) I called again to let them know that the money didn't arrive to my recipient and I was told by another representative to wait another 1-2 days. I called again XX/XX/XXXX and told them the same thing, and that I wanted to speak to their supervisor, a higher department or someone who could actually fix the problem and I was informed that the person I was talking to was the highest department. I was on the phone for almost an hour and the representative promised me that the money will go through within 5 mins. It didn't come through so I called again an hour and a half later and another representative told me to give it another 24 hours. I called again XX/XX/XXXX a little past XXXX since money didn't go through again and I was told by another representative to call again later in the day if money still didn't come through. Later that night I called again and another representative told me to wait another 24 hours and promised me that it will actually go through this time. It's now XX/XX/XXXX and my recipient has not received that {$10000.00} I sent 3 weeks ago. I called moneygram 7 different times and talked to different representative each time and was told that I was talking to the highest department of moneygram each time and was told to wait a certain amount of time and they promised the money will go through each time but it never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because  XXXX , Equifax, and   XXXX   have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that  XXXX , Equifax, and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from  XXXX , Equifax or   XXXX   trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from  XXXX , Equifax or  XXXX  regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus.  XXXX , Equifax, and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deleti on of this inaccurate information.  XXXX , Equifax, and  XXXX  are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) (  A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and  XXXX , Equifax, and  XXXX  have yet to verify. Also,  XXXX  informed me that they were not going to reinvestigate this information again unless I send additional relevant information.
Product: Mortgage

I received two letters from First Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX concerning my current home and property that stated that I was behind and they are attempting to collect a debt for my mortgage payment at XXXX XXXX XXXX XXXX XXXX MD XXXX, which the mortgage has been paid up and til XX/XX/2019. I called and spoke with the representative name XXXX today a little after XXXX XXXX this morning. She informed me that they received papers signed by me for a loan modification. I informed the XXXX XXXX that I have not requested any such thing, and it sounds as though some type of scam or fraud is going on. This is why I am reporting this, because it is very concerning to me. I will attach copies of the letters received, as well as proof the mortgage has indeed been paid. I am not sure what is going on, but I do not like it. There is some funny business going on somewhere, and I am not amused.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS ALLOWED XXXX XXXX A.K.A XXXX TO REPORT THE SAME ACCOUNT TWICE ON MY EQUIFAX REPORT. BOTH ACCOUNTS FROM XXXX HAS THE SAME OPEN DATE XX/XX/2020., I WOULD ASSUME ITS IMPOSSIBLE TO HAVE TWO REVOLVING ACCOUNTS WITH THE SAME CREDITOR AND OPEN DATE. THIS ERROR IS ILLEGAL AND UNETHICAL. EQUIFAX FAILED TO AN INVESTIGATION. XXXX FAILED TO PERFORM A INVESTIGATION. THE DUPLICATE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED XXXX THE REPRESENTATIVE CONFIRMED THIS WAS A DUPLICATE ACCOUNT USING MY CREDIT CARD NUMBER AS THE ACCOUNT NUMBER. SHE STATED IT WILL BE UPDATED, ITS NOT UPDATED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XXXX SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u. 

Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ONLY DATE OF BIRTH IS : Date of Birth : XXXX I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within 30 days of receiving this dispute letter. 

Furthermore, please provide me with written confirmation of the actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute. 

Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ). 

I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. 

Please contact me via mail at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I dam not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

VIOLATION OF THE PRIVACY XXXX, AND BLAINTED VIOLATION OF COMPANIES TERMS OF AGREEMENT PRIVACY POLICIES AND DIRECT DISCRIMINATION OF MY CREDIT PROFILE.
Product: Debt collection

Please see files provided by the collection company. I have tried since XX/XX/year> to cancel on multiple occasions to the point I ended up cancelling the credit card it was auto charging. Prior to that I even tried to dispute it through the credit card but it would show up again a month or XXXX later so I cancelled the card - a long time card that affected my credit history. I was NEVER even on an annual contract and have not utilized this T-mobile account for over XXXX YEARS at {$150.00} per month. In all honestly I am OWED over XXXX  years of payments I made fighting them to stop charging me. I couldn't access their online portal- they refused to help me get back into it. It has been a very difficult and traumatizing situation and now debt collectors are constantly harassing me and do not care that I dispute the charge and continue to demand payment where payment is not owed. PLEASE HELP. It has been a horrible experience because their employees do not follow customer 's requests and there is never the same person you can contact in the store, on the phone or through chat because of their turnover and you start all over again because they can never find records of anything - or so they claim.
Product: Debt collection

I want to file a complaint against, SOUTHWEST CREDIT SYSTEMS, LP. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to SOUTHWEST CREDIT SYSTEMS, LP. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1681a ( 4 ). They have infringed on my right to privacy and have not provided me with any information that I authorized the reporting of such private information. On XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/2021, I informed the consumer reporting agencies, XXXX, XXXX, and Experian of the violation and has received no response. It it plainly stated in section 611 ( a ) of the FCRA that failure to investigate disputed items within 30 days gives a reason to immediately remove them from my credit report. The reporting of this information is vital to my credit file. I am demanding this account be removed immediately or I will file for litigation due to the ongoing stress being caused. My information was also impacted by the XXXX  data breach.
Product: Debt collection

I had sent my dispute by certified mail to this company to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, this company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. 

This company dubiously claim to have somehow verified these items. Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! 

Please remove this immediately! This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report.
Product: Student loan

Mohela owes me a refund for the overpayment of student loans for my PSLF. I was forgiven last summer, Mohela representatives have told me over the phone that I am deserving of a refund and I shouldve gotten it in 60 days or something and recognize that I havent. 

Thats where the good will ends. You call and are told you will be talking to a professional but the professional has been told to pretend they are in training whenever someone asks about getting a refund owed to them. If you ask for a supervisor or someone who knows what they are doing they put you on hold for upwards of XXXX minutes. They XXXX do this a handful of times then give you a varying number or reasons they cant give you a refund. ( I have talked to at least XXXX people personally who have heard these excuses and been given the run around ). 

XXXX. You have to resubmit paperwork- no I dont. Its all on the website, the situation is visible to everyone involved but they want to keep the money instead of refund it. 

XXXX. This aint our job you have to call the department of education XXXX this is also an untrue. Mohela handled every part of the XXXX process. They are paid by the government to do that. 

XXXX. We dont know why you didnt get it but we cant make it happen- this is probably true but they refuse to put you on the phone with someone who can. 

I think I made XXXX payments too many. The last payment I made was I think between $ XXXX {$570.00} a month. XXXX XXXX and that is a lot of money for my family who is both public servants raising XXXX children on public servants salary. 

Please help, its hard being XXXX person against a corporation who has built a structure to subvert the duties for which our tax dollars are paying them to execute so they can keep peoples overpayments.
Product: Consumer Loan

I have a problem on credit i have identity theft on credit report XXXX XXXX XXXX municipal Credit i told the reporting agency. Their havent anything been done about im gon na file a civil law suit
Product: Payday loan, title loan, personal loan, or advance loan

I hope this letter finds you well. I am writing to formally request the removal of two late payments reported on my account, I take great pride in maintaining a strong payment history and responsible credit usage. Unfortunately, these late payments were due to my area being flooded here in XXXX, FL and I was struggling to make ends meet. Since then, I have taken steps to ensure that all payments are made on time, including setting up automatic payments and closely monitoring my account. 

I kindly ask for a goodwill adjustment to remove these late payments from my credit report as a gesture of goodwill. I greatly appreciate your consideration, as this adjustment would help me maintain a positive credit standing and continue my long-standing relationship with Affirm. 

Please let me know if any further information is required. I appreciate your time and assistance in this matter and look forward to your response. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] XXXX XXXX [ XXXX XXXX ] [ XXXX ] Transunion : XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Last year around December I decided to take a look at my credit report and saw that there is a XXXX XXXX XXXX being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?