23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt is a mortgage. This debt was discharged in Bankruptcy Chapter XXXX in XX/XX/2017. Since then I have been in contact with two employees in the Mortgage Retention Dept. of New American Funding. I have also had monthly conversations with the company 's customer service representatives regarding this debt. I requested a deed-in-lieu from New American Funding to no avail. A deed-in-lieu would surrender the property and save the mortgagor time and money. They were unable to provide same as XXXX XXXX would not consider this option unless I filled out paperwork that was stamped " Loan Modification Application. '' I refused to apply for a loan modification on a loan that was discharged. New American Funding has agreed in telephone conversations and written correspondence that this debt was discharged and has been very sensitive to the laws and rules surrounding attempts to collect a debt that has been discharged. Until today. 
Today I received a call from New American Funding asking that I call them back. No reason was given. I called and the employee asked me to arrange to pay the balance due. I told her ( XXXX aka XXXX ) that this debt was discharged by bankruptcy court and she said that was the reason that the calls would now resume. I her that she was violating the law and either knew it or should know it and she repeated herself. I asked to speak to her supervisor and she said she would put in a request for him ( XXXX aka XXXX ) to call me-within 48 hours. I couldn't find out if she couldn't connect me or wouldn't. I made it clear that she/NAF was violating the law ( as I understood it ) by attempting to collect this debt. It feel on deaf ears.
Product: Money transfers

I made a wire transfer payment for services to a business in XXXX. Request was made to not to convert and make the payment in XXXX $ only. However, the business in XXXX received payment in local currency. When asked, BofA Wire transfer department confirm that my instructions are to not to convert the currency ; intermediate bank may have converted and asked me to inform the business in XXXX not to touch the money - so that they will help to get the money back and then I can make a XXXX payment again. They money was then taken back from the business but now BofA says they are not sure where the money is and that the intermediate bank is not responding. It has been over a month since the original wire transfer request was initiated and I am concerned a ). for my money and b ). that the business in XXXX needs the payment they may have other penalties and tax implications on their side. c ). I am not getting any answers from BofA, and moreover lastly, d ). now my local BofA rep says I will be charged fees for conversions and back as well as the applicable conversion rates for conversion, even though the banks are at fault. I need help to get ( i ) to recover all my money and ( XXXX ) to find the reasons who is at fault and ( XXXX ) that others do not have to go through this kind of problems. 
Thanks
Product: Debt collection

I tried to apply for appartment and they will not approve me because of apartment collection. I went through a previous hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX XXXX  Account XXXX XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX Account XXXX XXXX, Account name XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXXXXXX Account # XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account name XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Bank account or service

suntrust charge me over {$200.00} way after the account should have been close and send it to collection. when the account was close the balance was {$200.00}. i told them to send me a bill to pay, they never did instead i received a collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax XXXX and XXXX  to remove a XXXX XXXX XXXX XXXX XXXX Missouri address because it is inaccurate it is missing an appartment number therefore it is inaccurate and they are doing nothing to help
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX is attempting to post on experian as a bad debt.i have docu, ents that show paid removed.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it might concern, My name is XXXX XXXX, I am XXXX year old, I am discharged from BK chapter XXXX in XX/XX/XXXX. My loan number with Nationstar is XXXX XXXX XXXX. XX/XX/XXXX released from hospital, I received XXXX non-certify mails of Nationstar that XXXX referred to XXXX, a foreclosure corporation to foreclosed my home. I am not certain what stage of foreclosure I am at but I determine to keep my only home. I am devastated. I made a payment of around {$2200.00} on or about XX/XX/XXXX. Nationstar rep said after paying the {$2200.00}, it would take my home out of foreclosure zone, and that they would not pursue foreclosure proceeding, and this letter was written in XX/XX/XXXX. I have fulfilled my obligation in the financial hardship. I request all my history payments, all fees added on to loan, and promissory note to be deliver to my home. I had foreclosure rescue fraud before with some modification company and had to file BK chapter XXXX to save my only home. I have before request the principle to be recalculate because the amount does not equivalent to my number. I thorough review the fees and Nationstar tend to add on misc fees and penalties and that I feel only make my loan higher in Principle, I am not well at all time as I am older, my children 's and my own retirement income is helping me paying all expenses. At this time, I wish to seek principle reduction with a fixed interest. I am requesting a minimum USD I can pay to bring my loan current. I feel I am in trap of miscellaneous fees that add up to XXXX and XXXX of dollars, over time, add up. I need to keep my home and not worry about strange fees add to my loan. I would like to know what 's my minimum amount to bring my loan current. I request principle reduction. I am looking into all foreclosure prevention options. Thank you and looking forward to hear from you soon. 

XXXX, CA XXXX ( XXXX ) XXXX XXXX, or ( XXXX ) XXXX XXXX
Product: Debt collection

I inquired about services from XXXX  XXXX. The cost of the services were XXXX  as much then other dentist where charging. I cancelled the services and they still charged me. They charged me for nothing they did nothing.
Product: Debt collection

Refused to resolve traffic tickets or allow me make proper payment arrangements. Misleading customer service. Told me I didnt have to pay tickets I do still have to pay in my bankruptcy.
Product: Credit reporting or other personal consumer reports

I hired XXXXXXXX XXXX  a few years ago to get things off my credit which they didnt. I have gotten calls about things I know I didnt purchase. I am highly disappointed in their service. All I did was pay a lot of money for things to be removed from my credit and got no good results and more things on my credit. I have tried disputing on my own.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Information and Identity Theft Impact Across Credit Reporting Agencies Dear CFPB, I am writing to request your assistance in resolving an ongoing issue with inaccurate information on my credit reports from XXXX, Equifax, and XXXX. Despite numerous attempts to have this incorrect information corrected, the credit reporting agencies have failed to address the problem, leaving me with a compromised credit profile and exacerbating the consequences of identity theft. 

The following personal information in is the only accurate and valid data for my credit report : All other personal details listed on my credit reportssuch as incorrect names, addresses, or phone numbersare outdated, false, or fraudulent. I have been a victim of identity theft, and these inaccuracies have contributed to further issues with my creditworthiness. I have already filed an identity theft report with the Federal Trade Commission and my local law enforcement, as required by 15 U.S.C. 1681g ( e ) of the Fair Credit Reporting Act ( FCRA ). 

I have previously requested that XXXX, Equifax, and XXXX delete this incorrect information from my credit reports as mandated under 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 of the FCRA, as well as Texas Business & Commerce Code 20.03 . However, these agencies have not complied with the law. Under Texas Identity Theft Enforcement and Protection Act ( Texas Business & Commerce Code 521.051 ), I am further entitled to the removal of any data linked to identity theft, yet these rights have also been ignored. 

I am now seeking the CFPB 's assistance to investigate and enforce these corrections, as the reporting agencies have failed to comply with federal and state laws. This ongoing negligence is damaging my financial standing and causing further complications due to the unresolved identity theft issues. 

Please help ensure that these credit reporting agencies are held accountable for their legal obligations to maintain accurate records and promptly delete false or outdated information. 

I appreciate your immediate attention to this matter and look forward to your assistance in achieving a swift resolution.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXXXXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXXXXXX they could not find any information on the card but its still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to a beneficiary of an XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX XXXX. All of my entitled funding sources, benefits as well as my identity have been stolen and used by unknown individuals since an unknown amount of time. Leaving me and other entitled beneficiaries in severe hardships and in need of an immediate investigation and assistance establishing a stable lifestyle entitled to per trust documents court order. 
I have made reports, filed complaints, etc. with no response or assistance from anyone. 
Please contact me at XXXX for more details or answers to any questions you may have,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i processed XXXX transactions via square utilizing vanilla Visa prepaid gift cards purchased by myself in the amounts of {$9.00} {$45.00} and {$150.00} I have had my square account open and in good standing since XXXX square then placed processing on a hold and required me to verify my identity again which I did numerous times square then refused verification and without causation authorization or violation of squares terms and conditions deactivated my account on XX/XX/XXXX I received an email from square indicating that the funds being held would be released no more than XXXX business days after XX/XX/XXXX of XXXX on XX/XX/XXXX of XXXX my square account reflected that the funds were XXXX available for transfer and XXXX pending transfer however the transfer process was still under suspension I contacted square customer service once again and they indicated to me that although they could see the email that they sent to me the time frame that they provided me had been met and received the situation needed to be escalated to a team to review that my account was indeed deactivated which it is and was as of the XXXX of XXXX of XXXX and that it was in fact XXXX business days after XX/XX/XXXX of XXXX which today is XX/XX/XXXX indicating exactly XXXX business days after the first of XX/XX/XXXX therefore taking another full business day before they could review the process and determine if my funds can be released they are holding my funds illegally and without cause there has been no fraudulent activity or elicit processes I have met all the requirements and requests the fact that they need to review and read an email to verify what they could already see on the account is asinine and uncalled for and affecting my business 's bottom line when I requested to escalate the matter they advised me I needed to wait and that my call was unproductive and they disconnected the call their customer service is XXXX at best they have provided no resolution they are holding my funds without cause or merit and are doing nothing to adhere to the time frame in which they themselves set I want my funds released as indicated in the email from square within the allotted time frame there is no reason for another XXXX or more period to pass to review what is already plainly on the account in addition to I want any and all processing fees removed and or reimbursed in addition I am requesting compensation for time lost in managing this situation and trying to gain resolution without succession
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute ten fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not open these accounts, and I have already filed a police report regarding this identity theft, which I have enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for your reference.

As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures.? 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to log in to my checking account via mobile app only to find it was restricted. I called Citibank on XX/XX/XXXX and spoke to a representative who told me the account was scheduled to close and that all incoming deposits would be rejected ( including a transfer I had initiated from an external account of mine as well as two XXXX refunds ). The next day, XX/XX/XXXX, I woke up to see that the transfer had fully cleared from my other bank and the XXXX refunds were marked as completed. I still could not and can not currently log in to my own Citibank account, but I called on XX/XX/XXXX and the rep said I had been misinformed the day before and the transfer and refunds had in fact posted to the account. 

I received an auto-generated email on XX/XX/XXXX saying my accounts would close within 60 days and I would be mailed a check for the remaining balance ( which per my conversation with Citibank is somewhere in the vicinity of {$1100.00} though I can not access my own account to verify the balance ).

I called the executive office and filed a complaint but have not heard back.

I called an alternate phone number that Id never seen before listed in the account closure email on XX/XX/XXXX. This representative told me that my only option for potentially receiving my funds back faster than within 60 days would be visiting a branch where I may or may not be successful in obtaining my own money. The closest branch to me is 2 hours away. I can make the drive but I asked if there was any way to confirm that if and when I do I will be successful. Citibank told me there is no way to confirm that prior to making the 2 hour drive. 

I am a XXXX XXXX XXXX XXXX and I am just looking for my own money that is needed for myself and my XXXX XXXX. I can not wait months. 

Citi Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for a card called XXXX XXXX XXXX XXXX, I have called XXXX XXXX and trasUnion and they have not given me an answer. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Credit card

I had a rewards credit card with this scammy bank. I always kept the card was current and I paid in full every month.They arbitrarily decided to close my account after I had accumulated {$340.00} in rewards which are reflected on my last statement which I've attached. I spoke with a Supervisor named XXXX ( Operator # XXXX ) on XX/XX/XXXX who stated that even though my card was closed, I would have to wait until the anniversary statement ( XXXX ) to cash out my {$340.00} rewards balance. I asked if the rewards check would just be mailed to me automatically? She stated that I would just need to call in and tell them that my account is closed and they would have to manually request the rewards check to be mailed to me. I waited until the XX/XX/XXXX statement generated, and I called in and was told they couldn't give me the rewards I had earned because the account was closed. I reminded the operator that supervisor XXXX back in XX/XX/XXXX had already told me back on the day when the card was closed, that I would still get the rewards on the card even though it had been closed since I had rightfully earned them from purchases I had made. Very shady and unscrupulous bank. Don't keep their word or their terms. The scam they're running, is entice customers to use their card based on the false premise of earning rewards which will be paid out annually, thereby earning the bank lucrative interchange fees. Then arbitrarily close customer accounts just before the anniversary date when they'll have to award those rightfully accumulated rewards.
Product: Checking or savings account

My name is XXXX XXXX, I have been banking with Chase for probably around a year and a half now. For context, I lost my wallet around 2 months ago and I ordered a replacement card on the Chase mobile app. The app states that receiving a new card can take up to 5-7 business days. After around 9 business days, still not having received my new card, I ordered a new replacement, again through the mobile app, and selected the button saying " Did not receive my card ''. I wait another 5-7 business days and the card still does not come. At this point, I call Chase customer support to ask about the shipping status of my card, to which I'm told that the representative on the phone " doesn't see anything '' about my card status, so he places an order for ANOTHER card and verbally confirms my mailing address. I wait another 5-7 business days, then 8, then 9, and now it has been a full 10 business days and I still have not received my card. This is the third replacement card I have had to order in 2 months, I have triple checked my mailing address to make sure it's being sent to the correct place, and I'm still no closer to receiving a card than I was 2 months ago. No one on Chase 's support team has been able to help me, or even redirected me to someone who could. My direct deposit and all online subscriptions are connected to this bank account, the holidays are coming up, and I need my debit card. Chase does not offer in-branch card pick up, so I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PORTFOLIO RC XXXX XXXX  XX/XX/22 RE : We have already disputed these accounts.