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

On XX/XX/2021, I received a phone call from what I thought was an XXXX customer service representative, informing me that there had been some fraudulent charges on my XXXX account and that I needed to take action on several of my online accounts to ensure my online security. The caller ID on my XXXX  indicated the call as " XXXX '', which initially led me to believe this was actually XXXX, not a scammer. 

The short story is that over the course of about an hour on the phone with this scam operation, I was convinced to transfer {$3300.00} from my Bank of America mobile app to the XXXX scammers via XXXX on XX/XX/2021. Specifically, I transferred {$2400.00} to " XXXX '' via an email given to me on the phone and {$950.00} to " XXXX '' via another email address provided on the phoe. 

While I had doubts about the authenticity of the real identity of the scammer from the initial phone conversation very early in the phone call, this was a sophisticated scam operation that had me fooled until too late. Every time I questioned something and asked to be transferred to supervisor, which took place several times, I kept getting transferred to people with increasingly better scamming skills as I really believed I was talking to actual XXXX employees. Only until I merged a phone call with a real XXXX representative to the scammer did I realize that I was hoodwinked, but this was after I had transferred funds. After the scammers reaching the near credit limit of {$3500.00}, they continued to try to convince me to go to a local BofA branch, which is when I merged the call with an XXXX rep. 

Immediately after transferring my funds, I called up Bank of Americas Fraud Dept to create a claim. My claim number is : XXXX. 

Additional details : - One of the first things the scammer had me do was ask for remote access to my XXXX. I understand now that you are never supposed to grant device access at the request of unknown companies and individuals, but numerous times I have called XXXX, XXXX, and XXXX and given their techs access to my desktop screen to troubleshoot, so that is why I didnt believe this request was out of the ordinary. When I gave remote access, the call was transferred to another person who then had me to my Settings on my XXXX to show payments were transferred in the amount of {$4500.00}, indicating that some scammer had comprised my entire phone and therefore he needed to access my BofA account. I was transferred to another person who claimed to be a liaison between BoFA and XXXX. I was directed to XXXX to transfer funds and was told that these were just tests to make sure my account wasnt compromised and that monies would be transferred back. Although I was dubious, I had never used XXXX before and assumed that this was a variation of my online checking services, where I could put a stop payment if I was unsure of the transaction. I had no idea that XXXX was similar to XXXX or XXXX, where once a payment was authorized, there was no way to stop the transaction from going through.
Product: Credit reporting

On XXXX XXXX, XXXX payment on a past due balance was made at the XXXX in XXXX Al. I was advised that once payment was made, this account would be deleted from my credit report. This payment of {$230.00} was paid by debit card and I received a reference number. As of XXXX XXXX, XXXX the balance was being incorrectly reported to the credit bureau. I contacted AWA, an agency employed by XXXX to collect the past due balance, to advise that the balance was paid in full. I spoke with XXXX XXXX a customer service rep and I spoke with her supervisor XXXX XXXX who were both given the information regarding payment. They stated that a reference number was not " good enough '' to update the account and that XXXX would need to contact them to have the balance updated. I contacted XXXX who in turn stated they would send the information over to AWA to correct the account. A direct dispute was submitted on XXXX/XXXX/XXXX to XXXX, who on XXXX/XXXX/XXXX determined the account as being verified and that it met 'FCRA '' requirements. AWA has continued to not only report the incorrect balance but but continually and erroneously increase said balance monthly by {$1.00} which has affected determining my credit worthiness to other lenders. On XXXX/XXXX/XXXX I contacted AWA and spoke with XXXX XXXX she advised that they still show a balance in their system for the amount and that only XXXX can have the account closed since XXXX is their client. She also stated that no info was received from XXXX regarding the account status. XXXX stated that she was not able to or had access to the information on who needed to be contacted at XXXX. On XXXX/XXXX/XXXX I contacted XXXX collection department at at XXXX and spoke with a customer service rep there who stated the following : on XXXX payment in the amount of {$230.00} was received and my account shows a {$0.00} balance ; on XXXX/XXXX/XXXX the account was notated closed with collection agency ; on XXXX/XXXX/XXXX XXXX contacted AWA who was notified that the balance had been paid in full. As of XXXX/XXXX/XXXX the balance showing on my credit reports of {$290.00}. AWA has continue to a ) increase the debt each month to the credit bureau b ) gave incorrect information once the dispute was filed c ) refused to contact XXXX or accept the confirmation number given by XXXX in order to update/report the correct information and continue to report this as an open account with the balance increasing monthly.
Product: Debt collection

Nations Recovery Center keeps calling my elderly parents and scaring them with debt that I might owe. they are not providing information but calling and hanging up
Product: Debt collection

Chase is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.
Product: Credit card or prepaid card

This is my third time opening this case and I will be taking cash app to court if I am not helped and refunded I got my card fraudulently used cash app refuse to refund me been calling them emailing them everyday still nothing refuse to help employee dont care rude by the way and alway give the same response will be making a class action lawsuit and I already have a list of other people they refuse to help I will be attaching my cash app and everything they refuse to help me with they just keep responding that I am not the account owner ( which I am ) they are a scam company they also closed my cash account because they refuse to help me
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with CB INDIGOXXXX and my goal is to maintain the relationship weve built over the past XXXX years. I recently pulled my XXXX and XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX for my CB INDIGO/XXXX Credit Card . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed CB INDIGOXXXX several letters informing them of my financial hardship at the start of the XXXX XXXX Unfortunately, the XXXX XXXX has brought unforeseen circumstances into my life. As a direct consequence of the XXXX, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my CB INDIGOXXXX XXXX . 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX XXXX has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX XXXX on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) to minimize the impact of the XXXX XXXX and to provide relief to individuals affected by the XXXX XXXX. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The XXXX XXXX requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to XXXX hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the XXXX XXXX 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I Received a phone call first from a representative saying that he was calling me for a negative balance with XXXX XXXX. I couldn't believe it there was no way I had a negative balance with them. I asked him to send me all the paperwork showing that I owed this. I haven't received it. On XX/XX/2019 I received an alert from my XXXX, XXXX and XXXX credit reports saying a new collection account was added to my credit report. The collection account was from RA Rogers Collection. No this is not right this is not mine. I have attached a police report and FTC Affidavit and I have furnished this via USPS to RA Rogers and all three credit reports. Remove this close this account and leave my be.
Product: Money transfer, virtual currency, or money service

I am communicating to you in respect of Zelles handling of disputes, especially taking into consideration the recent CFPB lawsuit stating certain issues with its platform. Even though I have used Zelle countless times and have reported discrepancies, Zelle and my banking institution did not investigate my claims appropriately. I was only informed that lost funds were impossible to recover as well as tracking them. CFPB has found not only that Zelle has allowed repeat offenders to exploit the system but has also neglected to protect consumers, which have left users vulnerable to multiple scams. The lack of transparency and responsibility in my opinion is unacceptable and raises my and many other consumers concern on our safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The scope and nature of this complaint regards the negligence ( willful or otherwise ) of Equifax not deleting two public records on my Equifax credit report : A XXXX Ch. 7 bankruptcy and a released and satisfied Federal tax lien judgement. Following proper dispute procedures with Equifax for several years now, ultimately culminating in a small claims judgement against Equifax that resulted in a default judgement against Equifax for non-compliance with the courts by not providing signature proof of both records, Equifax eventually paid its fine to me as the Plaintiff through its Litigation Department, yet never deleted the public records per the judgement and court case against it. The following is a bulleted timeline of disputes : -- First dispute of bankruptcy record,XX/XX/XXXX ( online, requested verification ) -- Equifax responded within 30 days,XX/XX/XXXX( reported " record is verified '' ) -- Second dispute of bankruptcy record,XX/XX/XXXX( Certified letter requesting validation ) -- Equifax responded within 30 days,XX/XX/XXXX ( reported " record remains on report '' ) -- CFPB complaint filed,XX/XX/XXXX, regarding Equifax refusal to comply with requests to provide signature proof validation and verification per laws within the FRCA -- CFPB returned response from Equifax, XX/XX/XXXX, reiterated that both records had already been verified previously and were " accurately reported by Equifax in accordance with the fair credit reporting act. '' However, Equifax never provided the CFPB nor myself any signature validation and verification proof of these records. -- Warning letter sent to Equifax regarding possible legal action in small claims if it does not provide signature validation proof of records, XX/XX/XXXX ( Certified letter ) -- Small claims action filed against Equifax and its statutory agent in local court, XX/XX/XXXX, regarding refusal to delete bankruptcy record and a Federal released tax lien record -- Failed to provide courts evidence of proof of validation and verification of both records, XX/XX/XXXX -- Affidavit for judgement against Equifax as a Defendant filed with courts, XX/XX/XXXX, for {$1700.00} -- Judgement for Plaintiff awarded,XX/XX/XXXX -- Demand letter to settle the judgment and remove records from credit report sent to Equifax Ceo and its Statutory Agent, XX/XX/XXXX ( Certified Letter ) -- Equifax Litigation Department settles its financial judgement,XX/XX/XXXX -- Equifax notified to remove bankruptcy and released tax lien records from credit report post its loss in small claims court, XX/XX/XXXX ( Online dispute ) -- Equifax responded within 30 days with " records have been verified and updated, ''XX/XX/XXXX
Product: Debt collection

I was contacted by a representative from XXXX XXXX XXXX on XX/XX/23 about a personal loan debt that was placed with their company for collection. When I spoke with the representative, he said he was with XXXX XXXX XXXX, and he told me that a complaint was being filed against me for check fraud, and said that I was going to be served with a lawsuit by the original creditor if I didnt set up a payment with him. I asked him to send me proof of the debt, as I had never received any communication from the collection agency prior to this phone call. He emailed me a copy, and claims to be sending one in the mail. Upon reading the email, I see errors in my town name, so I contacted the original creditor. They directed me to Debt Direct Management, who purchased the debt from the original creditor, and were using XXXX XXXX XXXX to try to collect the debt. When I informed the representative of my concerns, she informed me that their company does not work with the court system at all, and that what I was telling her was not true and very concerning. She closed my account with XXXX XXXX XXXX and is reassigning me to a different agency. She is also going to report this and do a full investigation into the companys practices of debt collection.
Product: Money transfer, virtual currency, or money service

Transactions have previously been processed without a confirmation step or a clear header to verify the intended recipient. This lack of verification has caused payments mistakenly sent to the wrong account. In some cases, this has resulted in money being taken from my account without proper authorization, leading to frustration and financial loss. Without safeguards in place, this caused me major stress and anxiety such as and inability to recover these funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I'm trying to be patient in this situation I really am but I am getting frustrated on this matter. So the Fair Credit Reporting Act section 603 or 15 usc 1681a ( 2 ) ( B ) whatever it's called but there, it says right under rules of construction states that consumer reports EXCLUDES " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' my social security card IS a credit card pursuant to law. I'm not XXXX. That's according to truth in lending which is the same definition under the Fair Credit Reporting Act. So why is it that I have this stupid account still on my credit report when it's not supposed to be there in the first place?! It's supposed to be excluded! This is frustrating because I have been dealing with this situation for mad long and it wasn't supposed to be there in the first place. Also I have another account that has late payments on it and it should be listed as paid as agreed. law says you can't have late payments on an open-ended consumer credit plan reasonable procedures were not followed and I did not receive my statements which included my finance charges pursuant to 15 USC 1637 ( b ) REMOVE THESE ACCOUNTS! You can investigate and everything and once you can't find those letters I should have received, Remove the late payments and Please change it to paid as agreed like it's supposed to be. I did not give consent to this reporting at all. I didn't give any written letter saying I want this account on my report. What gives?? I took the steps need and notarized my letters and all my paperwork because I getting ready to sue at this point.
Product: Debt collection

I do not have a signed contract nor any contract with CREDIT COLLECTION/USA. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT COLLECTION/USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan is with Fay servicing. We were making XXXX payments ( and still are ) per month XXXX XXXX XXXX to loan, XXXX to principal. Fay was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to Fay and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over XXXX  months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.