23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with the company, we settled for {$370.00}. They sent me a settlement letter on the same day that I paid them, which was on XX/XX/XXXX, I went to dispute the account on my credit report, when they were contacted by them, they lied and told them that I owed them {$100.00}. I spoke to them twice about this. The first rep I spoke to told me that this would be removed on XX/XX/XXXX. And the second rep ( who is supposed to be a supervisor ) told me that they gave the credit bureau the save amount and it should be removed in 30 days. They are giving me conflicting information. The name of this company is XXXX XXXX XXXX XXXX. I originated this report bc I feel that I am being jerked around by them, and each rep gives me different answers or reasons.
Product: Money transfer, virtual currency, or money service

On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my XXXX XXXX XXXXXXXX account to a Chase Account . I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank XXXX XXXX and filed a fraud claim on XXXX. I provided Bank XXXX XXXX with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. XXXX XXXX XXXX initiated a fraud claim. I constantly called to get updates and XXXX XXXX XXXX check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and Fraud Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. XXXX XXXX XXXX never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XXXX XXXX XXXX I was contacted by XXXX XXXX Resolution Specialist at XXXXXXXX XXXX XXXXXXXX XXXX She told me XXXX XXXX XXXX is not going to get my money back from Chase bank. She stated I can call Chase Bank and ask for my money back. I contacted Chase Bank and was told these claims are handle bank to bank. I was told by Chase bank I can not do anything and to have my bank contact Chase Bank. XXXX XXXX XXXXXXXX is giving me inaccurate information in an effort to circumvent returning my money and closing my claim. 

XXXX XXXX XXXXXXXX is blaming Chase bank for not returning the money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX  of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$830.00}
Product: Checking or savings account

I had a Home Equity Line balance with this lander and was supposed pay {$98.00} interest this month from the checking account of the same lander, but checking account had only {$78.00}. Because of this insufficient money of about {$20.00}, they charged me the following : XXXX/XXXX/XXXX {$35.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$30.00} XXXX/XXXX/XXXX {$9.00} This is just an example how this lander always over charged the customers for different products. I can give more examples how this lander always over charge the customers for another product such as for Home Equity account. 

I think it needs a through review of this lander 's business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX XXXX Balance : {$190.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX NAVY FEDERAL CR UNION
Product: Credit card or prepaid card

XXXX Original complaint reference number that has not been resolved and no actions have been taken by the CFPB to date?? 

I rented a car in XXXX, TN with XXXX XXXX and had to take the car to the XXXX XXXX XXXX to catch a plane back home because there were no cars available to take me to XXXX within 120 miles from XXXX. The rental company, XXXX XXXX, charged my credit car four times for the same rental. The original rental rate was {$100.00} for a one day rental, but XXXX XXXX said that I was liable for everyday the rental car was not returned to them. I paid the one day rental of {$100.00}, then paid twice more for days that I did not have the car and XXXX XXXX says they incurred a loss. I have paid {$360.00} total for a one day rental and XXXX XXXX also charged me another $ XXXX on the same day for a second rental on the same day that I have paid included in the {$360.00} rental charges. It is not possible that I am liable for two cars on the same day, right? XXXX XXXX will not remove the charge ( s ) or resolve my dispute amicably and American Express has refused to get documentation from XXXX XXXX to prove that they incurred lost money because of the returned car, especially for two rentals on the same date. I am furious that credit card companies are responsible for settling disputes because they do little to verify the veracity of the evidence in the dispute. XXXX XXXX is intentionally be abusive, punitive and excessive without any proof of actual harm and without merit.
Product: Checking or savings account

I am writing to file a complaint regarding not one but many overdraft fees applied to my Navyfed account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. Due to delayed posting of charges and credits I was sadly charged with overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices NFCU, where the transactions settled with insufficient balance despite having funds. I believe they are very deceptive and unfair.
Product: Money transfer, virtual currency, or money service

Attempting to pay off {$700000.00} plus mortgage. 
Transferred {$700000.00} from XXXX XXXX to Goldman Sachs XXXX ( transfer initiated on XX/XX/year>. Money was applied to XXXX XXXX account on XX/XX/year>. Tried to initiate a wire transfer from XXXX XXXX account to third party mortgage company. Was informed by XXXX XXXX that they were unable to wire transfer to third party mortgage company. 
XXXX XXXX XXXX XXXX XXXX and was told they could do a third party wire transfer to the mortgage company for the full amount. On XX/XX/year> initiated a wire transfer to XXXX XXXX XXXX XXXX for {$700000.00}. XXXX XXXX denied the wire transfer request citing " quick transfer '' as the reason. Asked XXXX XXXX when the money would be available to transfer and was told they could not provide that information. Money is in the account and it says " available. '' Mortgage is accruing interest at XXXX XXXXXXXX ( see attached documents ) so quick transfer is necessary to avoid extra interest payments.
Product: Checking or savings account

I've had several issues with Wells Fargo this year and had to change checking accounts and debit cards. I traveled out of the country on XXXX. While waiting for my return flight on XX/XX/year> I viewed my Wells Fargo account and noticed {$10000.00} was sent via XXXX to XXXX of which I did not authorize. I immediately contacted the bank and reported it as a fraudulent transaction. I received no authentication for this transaction and no notice that it had occurred. Also according to Wells Fargo the transaction limit is {$5000.00}. In my last conversation with the Escalation Representative I was informed that since I had sent money to XXXX for handyman services on XX/XX/year> that this could have been what is referred to as an Account Takeover. The bank has provided me no information in reference to the investigation of account takeover of transaction, what device was used and what time the transaction occurred on XX/XX/year>. Subsequently I have received a letter indicating this transaction was valid and authorized.
Product: Mortgage

We fell behind on our mortgage payments and after we realized we werent able to catch up we contacted Shellpoint Mortgage Servicing and submitted an application for borrower assistance. After being asked to submit and resubmit numerous documents finally as of XX/XX/2019 out application was considered complete, we received in the mail a letter stating they were reviewing our completed application and while application was being processed we would be granted relief from further action towards foreclosure. Then a couple days later we were served with a court summons stating that shellpoint had filed a lawsuit for foreclosure against us ... .the filing date was XX/XX/2019 the very day after they labeled our application for assistance complete. When I contacted shellpoint about this error / contradiction of what their letter stated I was told that foreclosure had actually begun XX/XX/2019 ... ..though nothing was ever filed with XXXX County court before XX/XX/2019. Even if they had begun moving towards filing a foreclosure lawsuit according to the letter Shellpoint sent us further action wouldnt be taken until a decision on loss mitigation was made ... ..its obvious the continued forward with steps towards foreclosure by filing lawsuit on XX/XX/2019. From research Ive done this is prohibited by federal law and is considered dual tracking which falls under fraudulent activity my a mortgage servicer. I maintained contact for weeks jumping through every hoop shellpoint reseated we jump through having faith they were truly out to help us find a resolution to move forward ... ... when all the while they were perusing foreclosure at the same time as they were helping us. I feel Shellpoints actions are deceptive and dishonest and dont follow the regulations set out in RESPA.
Product: Student loan

I recently refinanced my student loans and paid AES in full. In fact I even overpaid, this is covered in my physical copies of paid in full statements from them. They erroneously and without my consent or knowledge sent some money back to the refinance company. I was not made aware of this, they just billed me for it. 

I was only made aware when they called to claim I was late on my account. I told them this was not possible and only due to my additional calls and requests found out that they sent money to the third party. They are charging me a late fee and interest along with threatening a negative reporting on my credit. 

I have had to contact them on more than 6 occasions over a week and spend hours talking with them. They tried to collect money from my mother ( cosigner ) and have hung up on her and I repeatedly. They refuse to handle their mistake on their own and are holding me liable for their choice to send money without my consent. They told me the only way I will not have a negative credit report is if I immediately pay them the amount they sent off to the third party along with their fees/interest. 

I told them I was willing to pay the amount they sent to my refinancing company as it was applied to my principal ( even though they have wasted much more than that amount in my time ) but I find it utterly insane that I am somehow liable for any fees that have come about actions that were not mine.This is even more infuriating because they did not even try to bring this up with me to work it out. 

Why am I even involved? Why could they not just handle this situation themselves? Why did they think the best course of action was to just hold me liable, charge me additional fees and interest and then follow it up with holding my ( and my cosigner 's ) credit hostage? 

I have recorded my calls with them ( I've also informed them that I was recording ).
Product: Debt collection

Received a phone call from IQ Data International. Saying I owed a balance of XXXX which includes 7 % daily interest for the XXXX XXXX. I explained to them that I haven't received anything in writing to date about the amount. When I asked what address they had on file for me it was not accurate. Keep in mind I moved out from the XXXX almost a year ago. Also explained that I am disputing the amount owed. 1 ). Because the amount owed involves cleaning fees in which I was told I wouldn't need to pay because when I moved into the apartment it was dirty and infested with spiders. 2 ). Because the final amount to move was given to me by the XXXX and I was told that was the full amount to satisfy the rent. They have been charging me fees of 7 % daily and threatened credit reporting if I did not a pay the amount. I explained to them I don't have the funds to pay it. They said we could look at hardship options. After providing my financial information which clearly shows I don't have anything extra each month I was transferred to senior representative. They advised that I should just charge it to credit cards, or skip a car payment to pay it. And although I am disputing it I still have to pay it and request to be reimbursed later. Her only goal was to demean me and bully me into paying it. When asked to speak with a supervisor the senior representative refused and said I was the only one they could speak with. I ultimately had to hang up and call back and the supervisor again refused to help me. When I called in tears he said maybe you should call me back when you can get it together. When I asked for options he said I just need to pay it. I would like a review of the phone call between myself and the senior representative in addition to the supervisor. The collection practices are unfair and abusive and I want the company reviewed. I was literally in tears by the time I got off the call. I know they don't care and clearly the collection practices of this company are not being reviewed. I will also be filing a complaint with the XXXX. This is not right what they did. 

Date of call XX/XX/XXXX IQ Data International XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that it states an address that I never lived, nor ever heard of. The address is : 1 XXXX XXXX, XXXX XXXX XX/XX/2020 I have sent several letters to XXXX, Transunion, and XXXX upon me noticing this fraudulent address and they have ignored my request and never removed the address. I also sent them my identity and a utility bill to let them know my correct address. I am afraid I may become a victim of identity theft with this address on my file.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX company named XXXX XXXXXXXX XXXX. Money was transferred from my account to the Signature Bank via wire transfer for a total amount of XXXX XXXX USD. Signature Bank TOTALLY IGNORE their responsibility. They never reply back to me, nor did they provide me with a final written response. It is obvious Signature Bank is an ACCOMPLICE to the crime and a person assisting a thief is a THIEF THEMSELVES!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem. I will continue to submit complaints until enforced. XXXX  negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a XXXX XXXX XXXX XXXX XXXX New Mexico XXXX Order, the order states the " mortgage and note are unenforceable. '' XXXX is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/2020, I disputed the problems on my credit file with all 3 bureaus which I will be escalating to you today. I asked for the fake names as mistake in identity to be removed, wrong account reporting balances, accounts reported not mine and sought for validations. However, I was only pushed back all these agencies that they verified and valid with no proof. I also called them to see how and why they are doing this but to no avail. Now, i have no choice to have you intervene for me. why are they treating me likea number? I have now decided to show them what i need to be done based on the laws that protect me as a consumer.
Product: Debt collection

XXXX XXXX Harris & Harris-collects for Oklahoma XXXX XXXX XXXX Balance : {$320.00} To Pay : XXXX : XXXX or call XXXX Reply STOP to stop XXXX & Harris-Debt Collector XXXX XXXX XXXX XXXX Communications. Pay only 60 % of your balance. Visit XXXX XXXX XXXX or call XXXX. STOP to optout XXXX XXXX XXXX XXXX XXXX for Oklahoma XXXX XXXX XXXX Balance : {$50.00} To Pay : https : XXXX or call XXXX Reply STOP to stop XXXX, XXXX & XXXX for Oklahoma XXXX XXXX. Balance : {$52.00} To Pay XXXX XXXX XXXX XXXX or call XXXX Reply STOP to stop
Product: Credit reporting or other personal consumer reports

I am writing to emphasize the vital rights that consumers like me have within the Fair Credit Reporting Act, which assures equity, privacy protection, and reliability in credit information. Nevertheless, I failed to supply XXXX, Transunion, and XXXX with my explicit authorization to share my personal information as required by the FCRA. 

Furthermore, 15 USC 6802 ( b ) ( c ) demands that financial institutions caution clients of their right to voice objections to the sharing of certain information. a notification from those companies furnishing credit reporting agencies with my private data, that I had never received. In violation of 15 USC 1681C ( a ) ( 5 ), XXXX, Transunion, and XXXX published negative information without my permission. Furthermore, disseminating known false information is forbidden by 15 U.S. Code 1681s-2 ( A ) ( 1 ), which seems to have happened in this instance. However, it appears that XXXX, Transunion, and XXXX