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

XXXX XXXX has the wrong name on my account, XXXX  XXXX XXXX has XXXX of charges that ares not mine and would like to report. XXXX XXXX needs to be looked Into. My XXXX XXXX  I am trying dispute
Product: Debt collection

I feel that I have been discriminated against with their lending practices as well as them being unwilling to assist me with resolving my debt. I uploaded a detailed description.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C. 1681 section 602 A. Which 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 or any other adverse item of information, other than records of conviction more than seven years. 
Also, the Credit Bureaus took more than 30 days to complete my investigation here are my certified mail tracking # 's XXXX ; XXXX ; XXXX. 
I've also submitted a complaint with the Attorney General 's Office. These collection agencies have violated my rights.
Product: Debt or credit management

Hello my Name is XXXX XXXX I just had A amount of XXXX offsetted from my tax return As XXXX haven been making payments & all my stimulus offsetted I have been struggling to get on top my payments since XXXX I have paid Atleast XXXX which some payments are not even listed from unemployment & from XXXX As accurate or not even enlisted My Credit report Approved that is was Fraudulent & They closed the Accont and Removed my Debt I have XXXX XXXX that I still provide for and Still make payments Im asking if I can get my Taxes Back & all the money that was not enlisted as I made payments which is my unemployment payments & Payments from XXXX Also my stimulus payments which was never posed to get offsetted as the government made clear I Will be providing proof of documentation & payments that didnt count towards the time I had to pay Which shouldnt take 1-2 years to update XXXX weeks {$62.00} 10weeks of {$160.00} from unemployment that wasnt even added to my debt This is so unfair as I been struggling to stay on top of my information & still Doing for my kids and just watching my money get taken and debt steady going up as i still pay
Product: Credit reporting or other personal consumer reports

Kindly remove this information from my credit report within four business days, as stated in section 605C of the Fair Credit Reporting Act. I would also like to receive a notification about what actions have been taken. Thanks for handling this quickly.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX : XXXX  XXXX, XXXX XXXX  : XXXX  XXXX, XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX  XXXX  credit reporting. I have evidence to prove my case
Product: Debt collection

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT HELVEY ASSOC ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : {$2800.00} {$2800.00} {$2800.00} No. of Months ( terms ) : - - - High Credit : {$2800.00} {$2800.00} {$2800.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Collection account Subject has not satisfied debt. 
Date Last Active : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Bank account or service

On XXXX XXXX made ach tranfer of {$10000.00} +from a XXXX XXXX savings account to Scottrade bank account. Transfer was done immediately but Scottrade put a 4 business day hold on the funds. Most banks only have a hold for XXXX 2 days. A 4 day hold on funds is allowed by the Fed Reserve but is very unfair to customers who have been with a bank for several years. They get to use that money but customer does not have any access during that time. No one at the bank would even consider reducing the hold time so that I could have access sooner. That to me is not a very good business practice for any one.
Product: Money transfer, virtual currency, or money service

10 days ago, I attempted a legitimate transfer with full documentation proving its legitimacy. RIA canceled the transfer and closed my account with no reason given. I emailed them twice and received no response. They finally responded to an official appeal refusing to explain why. 
10 days later, they still have not refunded my money. 
I provided all the documentation they could possibly want to prove the legitimacy of this, and still they closed my account for nothing more than vague " security reasons '' and refused to provide specific reasons why or to reconsider the closure. 
And I'm still waiting for the money back.
Product: Debt collection

Freedom Mortgage Company said that AutoPay was active for one of my houses. I put enough money into that houses account to pay the mortgage for a year. After 3 months I received mail that the house was in foreclosure. I immediately tried to log in to pay the past due amounts but was unable to, and was told to speak with Freedom 's attorneys. 

After speaking with the attorneys, they sent me a reinstatement letter from Freedom Mortgage, which listed the past due amount, along with a laundry list of additional fees that were never explained. The past due amount was roughly {$5000.00} - however they tacked on another {$5000.00} in fees. Getting nowhere on answers from them, I decided to hire my own attorneys. 

My attorneys could not get answers from Freedom 's attorneys or Freedom Mortgage for months. We unfortunately had no record of the autopay setup, so my attorneys pretty much said that they can keep fighting this - however it will likely result in the house foreclosing. I basically had two options, let the house foreclose due to the ridiculous amount of fees Freedom wanted to collect, or suck it up and pay all the fees so that my credit didn't get destroyed. 

So after a whole year of back and forth and getting no answers from Freedom, I finally decided to stop all the bleeding from both sides. The past due mortgage payments were {$17000.00}. I was happy to pay that. However in order to get the loan reinstated, I had to pay them {$26000.00}. The rest were all their fees. This does not include what I paid to my attorneys to try to get this whole issue resolved. 

All I wanted the entire time was to talk to someone at Freedom about the fees and see if there was a fair resolution given the circumstances. I am incredibly displeased with how this whole thing transpired.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX fl XXXX Experian credit Bureau XXXX XXXX XXXX XXXX TX XXXX Dispute of debt and request for validation Dear Experian, I am writting regarding your recent communication concerning an alleged debt. I disputing the validity of this debt under the fair debt collection practices act ( FDCPA ), 15 U.S.C. & 1692g, and i am requesting that you provide validation of the debt as required by law.

Please provide the following information : 1. the name of the original creditor 2.The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate that i am legally obligated to pay this debt. 

Additionally, I request that you cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt with proper validation will be considered a violation of the FDCPA, and I reserved the right to file a formal complaint with the financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please respond to this request withing 30 days from this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX
Product: Debt collection

Caine & Weiner contacted me by mail on XX/XX/XXXX to inform me of their intent to collect a debt identified as {$390.00} to XXXX for RA + LEGAL FORM RENEWAL 1 YEAR. I sent them a Debt Validation letter by mail on XX/XX/XXXX, which is within the required 30-day window to dispute the validity of the debt. In this letter I informed them that I do not have any responsibility for this debt, and asked them to provide documentation supporting the validity of the debt, including : ( 1 ) My agreement to pay recurring charges from the referenced entity, ( 2 ) The specific time period for which the charges are claimed to be valid, ( 3 ) Documentation that I accessed or used the services for which the entity is claiming the amount owed, during the time period for which it is claimed, and ( 4 ) Documentation that they are licensed to collect this debt in New Jersey. They did not respond to this letter. The contacted me again by email on XX/XX/XXXX requesting that I pay {$390.00}. I responded the same day by email informing them that it is a violation of the FDCPA to continue contacting me about a debt without providing the documentation I requested. I included a PDF copy of the Debt Validation letter for their records. They again did not respond. They contacted me once again on XX/XX/XXXX offering to settle the debt for {$310.00}, again failing to provide the requested documentation.
Product: Debt collection

RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX XXXX, XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX XXXX, XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX XXXX, XXXX. and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine XXXX  2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in 2018. i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX, transunion and XXXX  reported this account as been certified to there agency. which i know NOT to be true. XXXX, transunion and XXXX  has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Account frozen since XX/XX/XXXX I have inputted a check to my savings account from my work and received fraud alert from Citi bank. They have since closed my account without my knowledge due to check. I have inputted direct deposit with my work before and had no issues. XX/XX/XXXX They have taken {$2500.00} and stated that they can not give me a reason for account closure when the check already cleared. They are still closing my account and stated that I will not be able to get a check until 60 days. I am not able to wait that long for payment that is mine.
Product: Checking or savings account

My brother and I deposited his check into my checking account and they're holding the funds until they can do a phone verification that shows his name and my brothers phone number isn't showing up they say, so now they say my account is being closed and his funds held up to two years, ive requested any other way to verify his idenity such as walking together to a branch, him calling the bank and send his ID documents, hold harmless letter or the statement from his phone carrier but they have refused and said the only way is through phone veification but that his name isn't showing on there end
Product: Credit reporting or other personal consumer reports

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, 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 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 XXXX XXXX
Product: Checking or savings account

Me ( XXXX XXXX ) and my wife ( XXXX   XXXX ) are joint holders of a personal checking account at BoA ( XXXX ) and also a business checking account in XXXX XXXX and XXXX. 

Here is the chronology of events - Date XX/XX/XXXX - Check No.  XXXX for the amt of {$3000.00} made out to 'XXXX XXXX ' who is the joint owner of the account XXXX, a BOA personal checking account, was deposited into our XXXX business account using chase mobile app. 

The txn got processed without any issues and XXXX credited out account for {$3000.00}. The physical check was safely put in the safe box. 

Date ( s ) XX/XX/XXXX - XX/XX/XXXX - We closed on a new house and moved to the new house. Engaged several vendors including Movers, Cleaners, Plumbers etc to fix both the new and old houses. 

Date XX/XX/XXXX - The physical check XXXX was stolen and got fraudulently cashed out by some one by depositing it at XXXX XXXX. 

Date XX/XX/XXXX - I made a compliant to BoA. We saw the amt credited back on XX/XX/XXXX Date XX/XX/XXXX - XXXX debited our account for {$3000.00} saying it was recovered by BoA Date ( s ) XX/XX/XXXX - XX/XX/XXXX - Reported the same to BoA and called both BoA and XXXX to resolve the issue. Made multiple calls, filed and affidavit with BoA and explained the circumstances. BoA closed the case saying we didn't safeguard the physical check and we are liable for the loss. We do not agree with BoAs reasoning for closing our claim as we did took adequate precautions in safeguarding the check and it was beyond our control. 

We further feel that - BoA didn't put in place adequate safe guards in protecting our personal checking account and they let the same check to be cashed out by some one fraudulently in spite of the check having payee as my wife 'XXXX   XXXX ' with invalid endorsement. 
- They didnt do adequate job of investigating the claim in determining failure in their systems in catching double presentment/fraudulent activity. 
- Instead of reversing the fraudulent transaction from XX/XX/XXXX, they did a reversal of the genuine transaction from XX/XX/XXXX. In spite of repeated followups, BoA didnt act to track and trace the fraudulent activity from XX/XX/XXXX nor initiate recovery of funds from XXXX. 

This has caused irreparable harm and not just a individual financial loss of {$3000.00}. We have a had some of the checks got bounced in XXXX as they suddenly pulled out the money resulting in loss of trust in our business by vendors. Also, BoA put us under extreme stress by not responding/answering the questions regarding the law ( Check Act 21 ) or their terms and agreements protecting the consumers and instead they arbitrarily closed case without proper investigation and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports, I've discovered several fraudulent hard inquiries from the following companies : 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 or other personal consumer reports

XX/XX/XXXX contacted Wells Fargo Dealer Services. Customer Service would not investigate, and after several years tried to get the incorrect information corrected. Dated XXXX XX/XX/XXXX. 

Account : Wells Fargo Dealer Services Acct # XXXX No information or validation. They do not investigate, they only go in and look at a computer. No validation of the mail, what procedure is used. 

My rights have been violated by the following : - Sharing of my report and posting inaccurate information - the credit report is hindering me and my family from good standings with is costing me and my family more money to acquire better credit scores- Sharing of my report to all creditors that I apply for with the following statement -- " Serious Delinquincy '' This is an adverse condition