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

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX And the all three credit bureaus : XXXX  XXXX  XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Product: Mortgage

So my loan # XXXX was with XXXX XXXX loans. Last year in XXXX it was transferred over to XXXX  mortgage company. My flood insurance renewal was never processed by the company and by the time I found out it was too late and my policy was cancelled. I then had to get another policy that ran me XXXX times the cost due to their negligence of not paying my insurance on time from my Escrow. This year I asked my insurance agent to send them timely the invoice so they could pay it on time. Email was sent on XXXX  XX/XX/XXXX for quick payment. As of today XXXX  XX/XX/XXXX the mortgage company has still not paid the flood insurance from my escrow account. I spoke to the agent XXXX at ( XXXX ) XXXX she informed me they received the information and the check may be issued today or tomorrow. The insurance quote is only good for XXXX  XX/XX/XXXX. My frustration is that this new mortgage company takes to long to pay and sometime does not pay my insurance on time. Causing them to add mortgage enforced policy at huge amounts. This does not seem fair to the consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I visited a Capital One branch in person to complete an international wire transfer. I provided the branch official the information for the intermediary bank ( XXXX XXXX ) as well as the final beneficiary ( my cousin ) and his bank information ( XXXX XXXX XXXX ). I specifically went to a physical branch because I had never sent any wire transfers, and certainly not any international wire transfers and was not confident I could do it myself with Capital One 's online system. The branch official entered the information in the wire transfer wrong, with the intermediary bank account number instead of my cousin 's account number. My cousin 's bank ( the beneficiary bank ) spotted the error in the paperwork on XX/XX/XXXX when we were looking into why he had not received the funds. I immediately contacted my bank to request that the error be fixed. I was informed the money was already transferred and the wire information could not be changed and therefor I would need to request that the funds be returned. I started that claim process through my bank that same day, XX/XX/XXXX. 
On XX/XX/XXXX my cousin wrote me and said his bank would also look into the transfer if I could provide the SWIFT XXXX file and the XXXX XXXX for the transfer. I called Capital One and requested this information and was informed they did not have it since they use another company ( XXXX ) to complete International wire transfers. I was told to call XXXX and just provide my name and some details of the transaction and they would be able to provide me with the SWIFT XXXX file and the XXXX XXXX for the transfer. I contacted Wise.com and they looked and said they didn't have a record of the transaction and could not provide either the SWIFT XXXX file and the XXXX XXXX for the transfer. At this point I don't know what to do. The money is no longer in my account, nor with my cousin 's bank. Presumably it is in limbo and with XXXX XXXX, the intermediary bank, but I seem unable to get any further answers or help with this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my credit report that I did not do or authorize
Product: Checking or savings account

Truist randomly froze my account, I could not get them to unfreeze it on the day because I didn't have my bank statements from my other banks. Now they've frozen the account but refuse to send me the check for the little over {$1000.00} in my balance forcing me to go to the branch. The closest branch is a XXXX hour drive away and I simply don't have the time. Truist does not give any option to authenticate over phone no matter what. Their wait times are atrocious and it's simply impossible to get them to give me back my own money. 

At the same time, their terrible tech system keeps sending me emails about " your account is fine this month! '' as if it's still opened. Their customer service thinks its open, but their other fraud department says its closed.
Product: Debt collection

Medical Data Systems is fraudulently verifying MEDICAL accounts on my XXXX, XXXX and XXXX credit reports. Medical Data Systems is still attempting to collect on a debt that was already PAID IN FULL to the original creditor. The ORIGINAL CREDITOR has demanded that Medical Data Systems purge any information they have about me and delete all accounts they have reported on my credit report, However Medical Data Systems has NOT done so. I paid the original creditor, however MEDICAL DATA SYSTEMS is still Fraudulently verifying this debt on my XXXX, XXXX, and XXXX credit reports. This is fraudulent reporting because XXXX XXXX XXXX XXXX " XXXX '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. I demand XXXX, XXXX, and XXXX and Medical Data Systems DELETE ALL references to this account IMMEDIATELY and DELETE ALL ACCOUNTS MEDICAL DATA SYSTEMS IS REPORTING ON MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}
Product: Credit card

Capital one bank did not report the correct ending balance on my account to the credit reporting agencies
Product: Bank account or service

In XX/XX/XXXX XXXX ( XXXX ) XXXX rented her house and deposited the {$1900.00} security deposit in a newly opened savings account at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. She had long maintained a checking at the branch, automatically deposited her social security check there and had financed the purchase of her home with a mortgage loan then held by Bank of America. 

Shortly before her house was rented, XXXX moved to XXXX XXXX and started making deposits and withdrawals to her checking account at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. In or around XX/XX/XXXX, the bank required a savings account balance of {$2500.00} in order to avoid a monthly fee of XXXX dollars. It notified XXXX by mail of its new minimum balance requirement. She was born and raised in XXXX and does not read English well, if at all. She also failed to notice the charges on her bank statements perhaps because she had no formal financial training. As a result she remained unaware of the fees,, Recently when discussing her accounts with representatives of the XXXX XXXX branch she discovered that the monthly fees had reduced her savings account balance to {$1300.00}. 
The bank considers her a " valued customer over 25 years ''. 

She respectively requests that these fees be reversed. 


.
Product: Bank account or service

On XXXX XXXX, 2015 I was transferring {$350.00} to a friend XXXX. My friend and I decided it was wiser to meet and exchange funds so the transaction was Cancelled. The debit of {$350.00} came out of my BB & T checking account. It took until XXXX XXXX, 2015 for a credit of {$350.00}. to appear. I was charged {$72.00} in return item fees on XXXX XXXX XXXX My account would not have overdrawn had the {$350.00} been in it XXXX. After daily phone calls to both BB & T and XXXX and many XXXX calls XXXX it was decided on the phone with BB & T on XXXX XXXX that a claim would be put into Escalation to return the return item fees ... A process I was told takes 24 - 48 hours. On XXXX XXXX I again called. Not only had the {$72.00} not been credited to my account but another {$36.00} overdraft fee was charged ... My account would not have been in negative had the {$72.00} been there!! I was informed by BB & T that they had filed the wrong claim form and that ... oops, we 'll send the right one up XXXX A process I wish I could charge {$36.00} for ) ... I have called on a daily basis. I went to close my account from BB & T XX/XX/XXXX and asked how they 'd be returning my money for the incorrect fees only to be informed that returning my money was " courtesy '' and if I close my account I would Forfeit the funds!! It is now XXXX XXXX, 2015 almost one month later and I STILL HAVE NOT RECEIVED THE MONEY FOR THE BANK 's ERROR! Additionally, the companies that the items were returned to have charged returned check fees and in XXXX case a late fee. NONE of these fees or mistakes are of my own doing! The money to satisfy my debits would have been there had it not been for XXXX initial error and BB & T 's assessed fees.
Product: Credit reporting or other personal consumer reports

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
U S DEPT OF EDXXXX : [ NO ACCOUNT NUMBER XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX XXXX : XXXX... 
USDOE/XXXX XXXX XXXX... 
XXXX XXXX : XXXX... 
XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA 605B, you need to remove any mistaken accounts from my credit report. Can you check the documents? Some accounts listed are inaccurately reported, with incorrect amounts and dates.
Product: Debt collection

Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : This section requires that a debt collector include a statement in the initial communication with the consumer regarding the consumer 's right to dispute the validity of the debt. I did not receive any such statement in your communication, and therefore, they are in violation of this regulation.

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that a debt collector, upon the consumer 's written request, provide the name and address of the original creditor. I am formally requesting this information, and failure to provide it would constitute a violation of this regulation.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : It has come to my attention that they have reported information to credit reporting bureaus without providing any and all disclosures required by law. This is a clear violation of the aforementioned regulations, and I request that they rectify this by providing the necessary disclosures immediately. 

Lack of XXXX XXXX : Additionally, I am disputing the debt on the grounds that they have failed to furnish a purchase agreement between their agency and the original creditor. This documentation as it is crucial to validating the legitimacy of the debt. 

Request for XXXX XXXX : I am formally requesting validation of the alleged debt, including but not limited to the original amount, detailed breakdown of charges, and the complete chain of ownership from the original creditor to your agency. 

Proof of Licensing and Bonding : As part of my dispute, I also request proof that your agency is licensed and bonded as required by law in the XXXX XXXX Minnesota XXXX Department XXXX code XXXX LICENSING AND REGISTRATION, where the company is located.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why you keep posting these negative accounts on my credit report, I already send few complaint to your company. I think that someone have my personal information
Product: Credit card or prepaid card

I bought a Netspend card at XXXX in XXXX, MA on XXXX XX/XX/2018 at XXXX XXXX  for {$68.00}. I called the company and activated it then attempted to use the card but It wouldn't work. I called Netspend back and tried to resolve the issue the same day. I ended up asking for a supervisor. While talking to him they said they could issue a refund and it would arrive in 7-10 days. I told him that would take too long and asked if there was any other way to resolve this sooner. he said no. I then informed him I rather keep the card and he told me it was too late they had already cancelled the card. Since this started I have spoke to Netspend around 5 times and XXXX around 5 times as well. It's been 17 days and I have yet to receive a refund. There is no tracking number and no one will further assist me. At this point Netspend constantly claims " you will receive it by mail tomorrow, '' which is never true and XXXX refuses to help at all aside from telling me to call Netspend. Hopefully you can hold XXXX responsible as well as they refuse to take any responsibility at all. I just want my money back and I feel like I have been robed by XXXX and Netspend. Neither seems to care at all.
Product: Debt collection

I've sent serval disputes asking for validation and my wet signature and none of the 3 bureaus have been able to provide proof of debt. 

THIS IS A FCRA VIOLATION and I would like the following removed from my credit report ASAP. 

Account : XXXX  Account # XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I checked my XXXX XXXX card and was told that fraud had happened on my card and it was locked. I was told that someone had called in and changed my address, phone number and was issued a new card. I was not informed of any of this and I was told to fax my ID and social security card in. I did this and I'm keep getting told they have not received it and it could take 48 hours to fix this problem it's been 48 hours and still locked.. I looked on my online account and the card I have does not match mine. I can't pay my rent or get my funds. My complaint is how did this happen and why was I not informed, no letter or anything.
Product: Student loan

Very unclear and difficult to deal with and their website is very hard to find information and I think my payments have not been applied correctly
Product: Debt collection

Packages was sent to my address from my Amazon credit card {$2400.00} worth bout I never ordered this stuff and I never seen any packages please help
Product: Debt collection

This company is violating the Fair Debt Practice Act by rejecting any and all my mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my Equifax/XXXX  credit report : The XXXX XXXX XXXXXXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX company is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting

Received this in my email today ( Unable to apply for a XXXX loan at this time ) I never applied for a loan. This " so called company that calls itself XXXX " does not exist and is a SCAM!!!! They indicated my EXPERIAN SCORE was XXXX which is false. I do NOT want them to touch my credit. Please investigate this illicit activity. Experian purposely make it almost impossible to get through Thanks
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 violate 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I HAVE A MORTGA GE WITH JPMORGAN CHASE &  CO AND I REQUESTED MORTGAGE ASSISTANCE WHICH WAS DENIED ON  XXXX   XXXX ,  XXXX . THE AGENT THAT INFORMED ME OF THIS DECISION TOLD ME TO MAKE SOME PAYMENT BEFORE  XXXX   XXXX ,  XXXX . ON  XXXX   XXXX ,  XXXX , I WAS 4 MONTHS PAST DUE ON THE MORTGAGE AND THE AGENT ADVISED ME TO MAKE THE  XXXX   XXXX ,  XXXX  TO KEEP THE PAST DUE TO LESS THAN 5 MONTHS.     I MADE A {$2000.00} PART PAYMENT ON THE MORTGAGE INSTALLMENT DUE OF APPROXIMATELY {$3700.00} FOR PRINCIPLE, INTEREST, AND ESCROW. I MADE A FURTHER PAYMENT OF A PAST DUE MONTH ON  XXXX   XXXX ,  XXXX .     CHASE RETURNED BOTH PAYMENTS TO ME AND WOULD NOT ACCEPT ANY PAYMENTS LESS THAN 3 MONTHS PAST DUE OR {$11000.00}. I HAD PAID THEM APPROXIMATELY {$5700.00} TO CATCH UP ON PAST DUE AMOUNTS AND REFUDED ANYTHING LESS THAN {$11000.00}. I NEVER HAVE EXPERIENCED ANY CREDITOR REFUSING PAYMENT UNLESS IT WAS A MINIMUM AMOUNT. THIS PRACTICE IS AN EXCUSE TO ALLOW THEM TO PROCEED TO FORECLOSURE AND MAKE A WINDFALL PROFIT ON THIS MORTGAGE WHICH WAS PURCHASED BY  CHASE FROM THE  FICA AS A RESULT OF TH E WASHINGTON MUTUAL ( WAMU ) FAILURE IN   XXXX   FOR LESS THAN CENTS ON THE DOLLAR.      IN  XXXX  CHASE REFUSED TO MODIFY MY MORTGAGE UNDER HAMP FOR THE SAME REASON AND THEY FALSIFIED THE ENDORSEMENT FRO M WAMU  AND ROBO SIGNED THE TRANSFER FOR WHICH THEY WERE PENALIZED BY VARIOUS GOVERNMENT AGENCIES.  CHASE FI NALLY MODIFIED MY MORTGAGE IN  XXXX  AFTER THEY SETTLED A LAW SUIT I FILED AGAINST THEM AND PAID ME DAMAGES OF {$15000.00}.      CHASE  PRETENDS TO PROVIDE MORTGAGE ASSISTANCE AND ASSIGNED ME A PERSONAL REPRESENTATIVE WHICH I CAN NEVER CONTACT BECAUSE SHE IS NOT AVAILABLE. WHEN I CONTACT MY PERSONAL REPRESENTATIVE, SHE IS NEVER THERE AND ANOTHER PERSON HAS TO ANSWER MY CALL. ALMOST EVERY SUPPOSED CUSTOMER CARE REPRESENTATIVE HAS A FOREIGN ACCENT AND HAS NO AUTHORITY TO MAKE ANY DECISIONS. THIS IS A RUSE BY  CHASE  THAT THEY PRACTICED IN  XXXX  WHEN THEY FILED A FORECLOSURE AGAINST ME AFTER THE AGENT TOLD US NOT TO MAKE ANY PAYMENTS ON THE MORTGAGE UNTILL THE MODIFICATION WAS COMPLETED.     AT THAT TIME I WAS NOT EVEN PAST DUE ON ANY AMOUNTS. I AM  XXXX  YEARS AND NEED ASSISTANCE FROM  CHASE PRE DATORY COLLECTION PRACTICES.
Product: Credit reporting or other personal consumer reports

The company Prince Parker and Associates continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.