23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021 I paid off the balance of my Bank of America Visa credit card in the amount of {$10000.00} using their online website. The amount was debited out of my checking account with my approval. HOWEVER... for some reason, Bank of America duplicated the debit from my checking account on XX/XX/2021 again in the amount of {$10000.00} therefore putting me in an extreme financial bind. I am not wealthy! I called Bank of America on XX/XX/2021 and spoke with an agent who advised they would initiate the process for the credit balance of {$10000.00} to be deposited back into my checking account in 3-5 business days. After not receiving the deposit I called Bank of America back on XX/XX/2021 and spoke with a " Manager '' named " XXXX ''. XXXX advised he would be looking into it and would call me back in 45 minutes to an hour. I never received a call back that day, nor the next day. I need my money back, it is over {$10000.00}!!!!!! Who does that?!?!?!?! I'm beyond irate and will more than likely be contacting a lawyer. This is FRAUD and ABUSE.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I sent a letter to Transunion in regards to an inaccurate item on my credit report and I have yet to receive a response. This issue has negatively effected my credit and process in buying my home and I am very upset.
Product: Credit card or prepaid card

After noticing emails stating new card sent I signed into online account XX/XX/XXXX and went through steps to close account. 

On XX/XX/XXXX I received an email that stated my account had been unlocked- after I attempted to close this account. 

On XX/XX/XXXX I called customer service and spoke with a person to specifically close this account. 

On XX/XX/XXXX I received an email that my account was reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see police report. ONLY NAMES SHOULD BE ON MY CREDIT REPORT IS
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE ALL CREDIT BUREAUS TO SHOW THESE NAMES ONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX  XXXX ....
Product: Debt collection

Portfolio debt collection illegally put false information on credit report. They are saying I owe a medical debt from XXXX XXXX. This a medical use card that was paid by my insurance called XXXX. They first XXXX out my balance and then reported it. I called Portfolio services to have them remove this debt from my credit report. They told me I still owe. So I offered proof of payment and my credit report that shows where THEY PUT XXXX AS MY BALANCE. THE ORIGINAL DEBTOR XXXX XXXX RECIEVED PAYMENT FROM MY MEDICAL INSURANCE XXXX  before it was sold to portfolii service
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ; I had agreed to an auto refinance for my then XXXX XXXX XXXX. The company that solicited me the refinance offer was called XXXX and they had assigned the loan to a company called Exeter Finance LLC. Issues with the loan refinance arose after it was assigned to Exeter. Exeter never filed for a new Arizona auto title, and never perfected the lien on the vehicle. About a month later, I recieved the previous title that was cleared of any liens. I had verified with the state of Arizona Department of Transportation Motor Vehicle Division that no lien was placed by Exeter. I attempted to speak with Exeter customer service about the huge issue with the title and was ignored. At one point I was threatened with reposession despite Exeter not having legal ownership via a perfected lien. Eventually, I had enough and sold the vehicle to a local dealer which had no issue transferring the title. Exeter then charged off the loan and marked it as a reposession despite no reposession ever taking place. They placed on my credit bureau this reposession that doesnt exist. Exeter by their failures with this loan has not only destroyed my credit, it has caused emotional distress and anxiety.
Product: Credit reporting or other personal consumer reports

I have requested the XXXX from XXXX XXXX and the credit bureau for over a year. My requests are being ignored or are just updated with duplicate remarks. There are errors in balances and in dates with a XXXX  and an XXXX  account that are continually not been addressed. The creditors just come back every time saying it was modified or verified or random remarks that dont tell me anything and certainly dont fix anything. TransUnion does nothing to validate these supposed debt validations that are incorrect and all the while my credit score keeps getting lower and lower with every single dispute I make. And I dont know why. My score is keeping me from finding housing ands its because of these errors that are not being removed and transition doesnt care to help as they are supposed to. How can this be allowed. You tell us to dispute the errors but then when we do it just hurts us more and more and at the end of the day there is nothing that anyone does about the fact that I am homeless. Separated from my kids and my dogs because I couldnt get approved room a landlord because of my credit score which was based on a credit report that was so full of errors it was a joke. For over a year now I have been working so hard to get those errors fixed and get my credit score up so I can move back in to a home with my kids but its never ever been as bad as it is now. And nobodys helping me or giving me any explanations. Transunion never provides a response let alone debt validation. It makes me just want to call it quits XXXX give up on this life.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I requested cash out of my cash app account. After I did this I noticed that the money didn't come to my bank. So I looked and it went to debit card ending in XXXX but I don't have a card that ends in XXXX, and I didn't change it. So I messaged cash app and they said the bank rejected it and it would be returned to my cash app in 1-3 day. I also took an extra step to cancel the cash out which seemed to be successful. But I never got the money back... It's been over 2 weeks and cash app continues to give me the run around and every time I reach out they close the case and respond telling me that I did the transaction so they are closing the case. Like they don't understand, yes I did the transaction but somehow someone hacked my acct or something and changed the debit number which since the bank rejected the transaction they should have returned the money like they said they would.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute the collection account that appears on my credit report. The account details are as follows : XXXX XXXX XXXX XXXX : {$1000.00}. 
I have reviewed my credit report and found that this account is inaccurate and is negatively impacting my credit score. I have no knowledge of this debt, and I have not received any validation of this debt from the creditor. 
I have previously disputed this account with the credit reporting agencies, but it has not been removed from my credit report. Despite my efforts, the inaccurate information continues to adversely affect my ability to obtain credit and fair interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account in early XXXX and closed and paid this account in XXXX XXXX. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except Transunion. I reached out to Transunion filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX Transunion said the documents were verified Accurate. I find out today, the last time XXXX XXXX reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with XXXX XXXX was on XX/XX/XXXX. Since then there has been no luck, and Transunion should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent the document off on XX/XX/22. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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

My account was charged without my knowledge or consent for all of the money in my account by a company called XXXX.
Product: Credit reporting

XX/XX/XXXX sent a letter to Equifax disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XX/XX/XXXX received a letter from Equifax stating that they " verified '' that the bankruptcy belongs to me but did not provide proof used to validate that it belonged to me. 
XX/XX/XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XX/XX/XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
Equifax found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

Upon discovery I noticed that MIDLAND CREDIT MANAGEMENT is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that MIDLAND CREDIT MANAGEMENT along with other company collecting on there behalf such as XXXX XXXX XXXX XXXX collecting without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70 please remove from all credit bureaus cease all communication & collection activity immediately.
Product: Credit reporting or other personal consumer reports

RoundPoint Mortgage Company bought my home loan in XXXX of XXXX. When the loan transferred to them I set up automatic payments to be taken out of my checking account. This happened on XX/XX/XXXX. I set up auto pay to start in XXXX. I also made a payment on XX/XX/XXXX for XXXX. I have attached proof of this payment. The auto withdrawal was never taken out on XXXX end for XXXX and XXXX. When I became aware of the issue on XXXX end, I immediately made payments on XX/XX/XXXX and XXXX to become up to date with my loan. I have attached proof of those payments. XXXX put negative information in my credit report that I was 30 days past due for XXXX and XXXX. I asked XXXX to take those two hits off of my credit and they have refused because they said there was no error on their part. I have attached an email from XXXX XXXX at XXXX, where he states that I set up auto withdrawal on XX/XX/XXXX. This was an error by XXXX and I would like the two hits taken off of my credit report. I am unable to buy a new home at this time due to the hits placed on my credit by XXXX. 

It is important to note that I am not alone. XXXX had XXXX complaints filed with the BBB for XXXX, and XXXX total complaints over the last 3 years. Many of those complaints are people whom have had the same issue as myself. Also, RoundPoint Mortgage Servicing has been involved in multiple lawsuits, including class action lawsuits, that allege mishandled payments, improper fees, and unlawful debt collection practices. 
Convenience fees In XXXX, a class action lawsuit was filed against XXXX for charging unlawful convenience fees on telephone mortgage payments. The lawsuit alleged that the fees violated federal and state laws. The parties settled the lawsuit for {$1.00} XXXX, and XXXX agreed to stop charging convenience fees for at least two years. 
Debt collection XXXX has been accused of violating debt collection regulations by making excessive calls and failing to send timely debt validation notices. In Massachusetts, XXXX settled with the XXXX 's office for {$970000.00} and agreed to make business practice changes. 
Payment mishandling Borrowers have filed lawsuits against XXXX alleging that the company failed to record payments, improperly charged fees, and mishandled corrections. For example, one borrower alleged that XXXX repeatedly misapplied credits, resulting in late payments and fees. 
Other lawsuits againstXX/XX/XXXX include : XXXX XXXX Roundpoint Mortgage Servicing Corporation : This case was certified as a class action in XX/XX/XXXX. 
XX/XX/XXXXv. Roundpoint Mortgage Servicing XXXX. In this lawsuit, XXXX XXXX sought to enjoin XXXX as her mortgage servicer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to report a fraudulent scam involving an individual impersonating a representative from XXXX XXXX XXXX XXXX. Below are the details of the incident, the vulnerabilities I observed in XXXX XXXX and Cash Apps systems, and the efforts I made to resolve this matter with both companies. 

Incident Details : In early XXXX, I received a phone call from someone claiming to be from XXXX XXXX XXXX XXXX. They informed me of suspicious transactions from Florida on my checking account and asked me to confirm my location. They also referenced my account balance, leading me to believe they had access to my sensitive banking information. 

The caller claimed my debit card was compromised and would be frozen but provided a temporary replacement debit card number. They instructed me to transfer {$1000.00} from my account to my Cash App and then to this new debit card to avoid disruption to my finances and pay my bills. Unfortunately, after completing the transfer, I realized I had been defrauded when the scammers hung up. 

Vulnerabilities Identified : XXXX XXXX XXXX XXXX XXXX XXXX : The scammers knowledge of my account balance and transaction history indicates a potential breach or successful phishing scheme targeting XXXX XXXX customers. 
The caller convincingly posed as a XXXX XXXX representative, highlighting flaws in the verification process for customer interactions. 
Cash Apps Lack of Safeguards : The transfer of funds through Cash App to fraudulent recipients underscores a lack of robust security mechanisms to flag suspicious activity. 
Once the transfer was completed, I found limited options for recourse or recovery of the funds, leaving victims without adequate protection. 
Efforts Made to Resolve the Issue : Following the incident, I promptly filed an investigation with both XXXX XXXX XXXX XXXX and Cash App. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX informed me they have XXXX liability for actions taken by account holders, even in cases of social engineering scams. They disregarded the fraudulent context and did not acknowledge the role of potential vulnerabilities in their systems. 
Cash App Response : I filed a report with Cash App seeking assistance in recovering the transferred funds. However, the platforms limited options for investigating fraud left me without resolution or recourse. 
Request for Investigation and Support : This fraudulent activity has caused financial and emotional hardship, and I am concerned about the systemic vulnerabilities in both XXXX XXXX and Cash App that facilitated this scam. I respectfully request the FTC investigate these issues and take steps to ensure these companies improve their security measures and customer protections. 

Additionally, I would appreciate any guidance on recovering my lost funds and protecting myself from similar scams in the future. 

Thank you for your attention to this matter. I am available to provide further details or documentation as needed. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX I became ill, and by XXXX XXXX I was no longer able to make mortgage payments. Seterus became the new servicer effective XXXX XXXX. I requested a forbearance in XXXX XXXX and XXXX XXXX, I was never reviewed for the forbearance. Last week Seterus filed for foreclosure.
Product: Credit card

Macy 's is charging a minimum interest even though there is no balance on the account at the time the interest is charged. I was told I need to make a payment on the interest charge while there was a XXXX balance I made a payment of XXXX ( XX/XX/XXXX ). I was assured by the rep that that would bring my account to XXXX and there would be no late fees/charges. A month ( XX/XX/XXXX ) later I was charged another {$2.00} which I didnt know about because I did n't check my account since I wasnt carrying a balance. I made a purchase in XX/XX/XXXX and went online to pay off my account. Found out there was a late fee and another XXXX interest for XX/XX/XXXX. This is ridiculous and beyond frustrating. The customer service rep I spoke to could not provide a convincing argument but removed the charges. Shame on you Macy 's. I am closing my account after 10 years of being a cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and is being used my Social Security number I have several hundred inquiries every day on my credit report Im not able to do anything with my credit all my accounts are hacked credit cards have been made in my name that I dont have anything to do with I cant keep an account without somebody breaking into and stealing information there have been banking accounts opened there have been major blocks on companies that Im never allowed to use again because of whoever messed with it created a lot of problems and had me locked out for life like XXXX XXXXEtc. I dont know what to do I tried to fix it myself and reach out to the company and the services and let them know that I was not the one making the accounts in creating everything under my name and Social Security number please help or let me know what I can do this has been going on a long time I have just been in denial Also I was reported deceased on my credit report at one time on experian.com and I have mail coming to the house for car insurance and things that I dont even own and Im constantly being profiled
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report an Bureaus letters last XX/XX/XXXX, XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices