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

United auto credit account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to XXXX and XXXX XXXX  is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.
Product: Checking or savings account

Can not sign on to my account- asks for information that I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.
Product: Checking or savings account

There was an unauthorized pay a friend transaction posted to my account on XXXX in the amount of {$450.00}. Sofi was contacted and my account was put on restriction. Sofi investigation team determined my husband 's account was hacked and found an email on his account details that did not belong to either of us. We changed our passwords and sofi told us there was no time frame for the investigation to be finished and to just keep checking back. My husband and I both called sofi to do the identity verification checks. On XXXX I logged into my account to check if anything has been updated and found XXXX more unauthorized charges were pending in my account for {$650.00} and {$270.00}. I immediately called sofi customer service because my account was supposed to be restricted so I was confused on how someone could even pull money from the account. Another dispute was created and they assured me the charges were pending and they would deny authorization because of the restricted account. The charges indeed went through and the money was removed from my account on XXXX. I contacted sofi again and they opened a dispute on the charges. The dispute was closed on the same day with an email stating they investigated the charges and they do not consider the charges to be fraud and will not be refunding the money to my account. They will not transfer your call to the investing team, or management, or anyone higher than the customer service rep who answered the call. They can not provide more detail than they see a dispute open, and change your password. They do not have a time frame for when an investigation will be completed. They do not properly investigate the cases or allow you to submit any documentation proof that your account was hacked or that money was stolen. I have attached a copy of the phone number saved to my husband 's profile that was being used to access his account. The phone number does not belong to either of us
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Product: Money transfers

INCIDENT NO. XXXX, XXXX XXXX, XXXX. XXXX, 2015, {$660.00} + {$16.00} FEES. 
Receiver : XXXX XXXX XXXX, Payout location : XXXXXXXX. XXXX went to pickup the money on XXXX XXXX, 2015 and was told that it had been picked up by XXXX XXXX XXXX. I 've never heard of this person. All the documentation I have lists XXXX XXXX XXXX as the recipient. 
Western Union says they are not responsible because someone called them and told them to change the recipient. Which is a ludicrous statement, and does not override a written contractual ageement. I have been back and forth with Western Union and they claim are not at fault. However, even the documentation they sent me states the recipient was not the listed recipient. Also, there was a security question. Surely this XXXX XXXX XXXX was not able to provide the answer to the question. 
Bottom line is that Western Union gave my transfer to the wrong person and is saying they are NOT responsible. 
Aside from being in a XXXX, my friend is without money. He was unable to catch his flight and has accrued hotel expenses of {$1000.00}. 
What they have done is illegal and need to pay up the money accrued at the hotel as well as the initial {$660.00}.
Product: Debt collection

collector calling my job when advised not to. was told again XXXX/XXXX/16 not to call called again on XXXX/XXXX/16. I also left them my cell number to call me back, I have no clue what this is about. They will not call my cell just calling my work and will not identify what this is all about
Product: Mortgage

I submitted a loan modification package and was denied. I have appealed the denial and informed the lender I would like to do a repayment plan and my mother will assist me with repayment by buying the current mortgage and adding additional payment. I have provided the lender pay stubs from myself and my mother and was still denied. I am facing foreclosure and would like to do everything that I could to save my home. I have made some adjustments and I can afford my mortgage going forward. I dont think I was giving a review with loan mitigation department. I ask to have a chance to catch up on my mortgage, I cherish my home and will apply to the fullest to stay in my home. I am employed with XXXX County Sheriff Department in XXXX Texas. My daughter and I have no place to live if foreclosed please help me
Product: Mortgage

I have applied for ( and received ) a home equity line of credit through the same bank that holds my mortgage. This application closed on XX/XX/year>. During the HELOC application, a full appraisal was requested by this bank ( Fifth Third ), and with that new appraisal value, my XXXX is now below the 80 % threshold for required PMI. On XX/XX/year> I submitted a request in writing to have my PMI removed, and attached the appraisal showing the increased value. The escrow department responded and told me that because the Fifth Third escrow department specifically didn't request this appraisal, I would need to pay for another appraisal in order to have my PMI removed. They can't use my submitted appraisal even though Fifth Third is the lender on the mortgage and the party who requested the appraisal. The explanation indicated that XXXX XXXX  requires that the lender request the appraisal ( which they did ), and that it be submitted to XXXX XXXX as well in order for PMI to be removed. 
Can't my current appraisal be sent to XXXX XXXX  to evaluate this request? This appraisal is dated XXXX. I think it's extortion to require that I pay for another appraisal. I would understand if this appraisal was requested by another bank, and my HELOC application was through someone else. But it wasn't, this was all through Fifth Third who handles my mortgage and everything involving this property.
Product: Credit reporting or other personal consumer reports

Charter communicationsXXXX  Failure to verify it was actually me " setting up a service ''. To make matters worst I never even lived at that address. 

On XXXX I noticed a change to my XXXX credit score due to " the total balance on all your collection accounts has increased ''. This was a red flag immediately because I knew I had nothing that was past due to the point it would get sent to a collection agency. 

XXXX  - amount owed under that address is {$120.00}. I have been falsely charged this amount and it has been placed for collection. 
( Collection agency - THE CBE GROUP INC ) The account is under my name and I do not know who stole my identity or used my personal info to sign up for XXXX This is an unauthorized transaction. 

XXXX  service was provided from XXXX This is XXXX XXXX  job to protect its customers and I have been falsely charged this amount. This is fraud. This is an unauthorized transaction. This is XXXX XXXX  job to remove my name from this account and past due amount. This must be removed from my credit report IMMEDIATELY.
Product: Checking or savings account

On Thursday, XX/XX/year> my recurring payment of {$14.00} was authorized, scheduled to process, for my XXXX premium subscription. 
On the date above, I received an email from XXXX at XXXX stating that the payment of {$14.00} had declined. 
I called Providers XXXX XXXX, there excuse this time : the payment looked 'SUSPICIOUS '. So out of millions of XXXX users, my payment is the only one that look 'suspicious '. This word is going to land them into a court house. 

Let me back up to XX/XX/year>. On this date my car payment money of {$250.00} disappeared from account. After a week of stress, XXXX XXXX XXXX, XXXX XXXX XXXX, repeated emails and phone calls my money was finally put back into my account, causing my payment to be paid late. My lien holder was understanding, knowing I've never paid late, except this strange, disturbing situation. 
This bank, need to be investigated... it same like every 3 months now, they pull a fast one. XXXX gave me until XX/XX/year>. These people don't have phones, so where do this leave the customers? 
Why did Providers XXXX decline the transaction of {$14.00}? Maybe you can get an answer from them. It look like I swapped the XXXX for the XXXX, when I left XXXX XXXX for Provider 's XXXX XXXX, no better.
Product: Mortgage

XXXX - We closed on our cash out refinance FHA loan. 

XXXX Our 3 day right to recession ended. 

XXXX - Our loan was supposed to fund and monies wired to our account. 

XXXX - Was told by lender they can not fund the loan because we don't actually qualify for an FHA loan. Underwriter thought Florida was a " Dry Signature '' state therefore, underwriting was not completed until after we signed our closing documents. When I told them that Florida is a " Wet Signature '' state and that " Dry Signature '' is not allowed in Florida I was asked " WHEN DID THAT HAPPEN. '' I was then told that the compliance officer 's MATRIX shows that Florida is a " Dry Signature '' state therefore, we are going to be treated as such. 

XXXX They are " trying '' to fund our loan but not sure if they can because they can't make the numbers work. Everyone is pointing the finger at each other. I am being asked by management why i'm brining his and the loan officers name into it that it's underwriting 's fault.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in https XXXX XXXX
Product: Debt collection

This company continues to call my unlisted phone number. I am on the do not call list. I do not owe any debts. They have been calling repeatedly. They did something similar a few years ago with a different number when I did not owe any debts. When I called them at that time they tried to obtain my personal information like my social security number. I would not give them the information and evidentially they quit calling. They have started calling again on my new number. They are probably calling the wrong person again but I am tired of this company repeatedly calling me when I owe no debt. I have a credit rating of XXXX. When they call it is a recording and there is no one to tell to quit calling. I would like to have the harassing phone calls stopped. They need to find the correct phone numbers when they are calling for a debt
Product: Mortgage

The last complaint i made in XX/XX/2023 was not resolved. The company responded on an attachment that would not open. 

This is a response to complaints XXXX & XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed. There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}. They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery. We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX. That will be a total refund of {$9500.00}. We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX  remove the inquiries and its been XXXXdays XXXX  they record the calls XXXX   admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX  XXXX  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

I believe I have been defrauded by a predatory conspiracy between United Consumer Financial Services Company and XXXX XXXX XXXX I sought help from XXXX XXXX XXXX to assist with a tax bill dispute with the IRS for which I believe I have a legitimate Innocent Spouse defense. XXXX XXXX XXXX partnered with United Consumer Financial Services Company to provide me a high interest loan to pay its legal fees while providing little to no service. United Consumer Financial Services Company is a principal partner in the conspiracy, as without United Consumer Financial Services Company participation, the scam would not be able to occur. United Consumer Financial Services Company, in essence, provides the financial backing to the scam. In my opinion, the arrangement between United Consumer Financial Services Company and XXXX XXXX XXXX is a conspiracy to defraud. To defraud not only me, but the U.S. government as well : Monies I could have been paying toward my outstanding tax bill, have been diverted to United Consumer Financial Services Company and XXXX XXXX XXXX  This conspiracy is unfair, deceptive and abusive.
Product: Credit card or prepaid card

Discover card opened an account for me on or about XX/XX/2019, the company decided to ask me to disclose financial tax information with them from the Internal Revenue Service through a provider they use which is XXXX, the same company who has had a data breach. I am not providing this information for an account that they approved with a measly {$500.00} credit limit. They can keep the account and close it, it is expected that if they decide to report this account to any credit reporting agency, that I expect it to report as " account closed by consumer ''.
Product: Credit reporting or other personal consumer reports

this was not sent in error i am a consumer by law and my information was misused. Now I have some false not 100 % accurate accounts on my credit report and is also not XXXX XXXX compliant.
Product: Debt collection

Scott Parnell and associates, claim I owe them a debt for a student loan from XXXX XXXX XXXX. They've frozen my bank accounts until the court date which is more than a month later. I have yet to receive a summons or any paperwork in regards to this issue from Scott Parnell and associates or the court system. I still offered to pay and settle the issue, and the claim they only accepted wire transfer for settlements. That it had to certified funds.
Product: Checking or savings account

Found out my Credit Karma account was frozen didnt get no email telling me why. Called and sent an email to verify identity so I did. Day later called wondering why when how couldnt answer me or transfer me to another agent. Waiting for email on details
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ). Specifically. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # : XXXX XXXX  : Account # : XXXX XXXX XXXX  XXXX : Account # XXXX XXXX : Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXX In accordance with the Fair Credit Repair act Convergent Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to XXXX XXXX and Transunion. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.
Product: Debt collection

I discovered this account on my credit. I never received a notice for the right to dispute. I have no knowledge of the account.
Product: Debt collection

This is what I know. 

After reviewing, please also see attachments. These are screenshots of emails I received from the company showing return of phone and cancellation of service, followed by a credit to my account for unused service. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ordered a phone and service from XXXX in XXXX 2015. When I ordered, I paid {$56.00} for the first month of service. I received my phone on Monday, XXXX XXXX. After using the phone for two weeks I decided to return it under XXXX 20 day return policy. I contacted XXXX and told them I was going to return the phone. They provided me with instructions which I followed. I mailed the phone back to XXXX and the processed a credit of {$56.00} to my account. 

I would like to add that the XXXX representative I spoke with about returning my phone assured me that this would satisfy my account with XXXX. I asked that the rep notate my account in case something like this might happen, which unfortunately it did. Maybe that notation can be looked up. I have tried to contact the company and credit agencies but I have n't gotten anywhere via those routes. 

I 'm not even sure what the {$710.00} collection is for. Did they not credit my device return properly? Did they not cancel the service when I called and requested cancellation for some reason? I 've attached two emails that I received from the company ( the one when I ordered and the one when they received my return ) to show that phone was returned in time and cancelled. 

This is impacting my ability to obtain credit and refinance my home, which is costing my family dearly. I believe this is an erroneous error on the part of XXXX that I would like resolved.