23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The closing date for selling my home was XX/XX/2021. 
I called the mortgage company on XX/XX/XXXX to give them my forwarding address to send my final statements, or for whatever other reason they may need me. The customer service representative asked me if I wanted to take care of the {$4800.00} ( and some change ) balance on the loan. Well, I thought she was joking. She commented that I had just made a substantial payment and she could process the remainder with me. I said, What are you talking about? I SOLD the house.. She said, she showed a balance a little under $ XXXX. 

Then everyone played the blame game. 

Finally months later, when I called them to find out why my loan still had not been taken care of, they told me, since your escrow was negative, there was too much money put into my escrow account when that payment came in. Again, I told her that was the LOAN PAYOFF and I still was dumbfounded how the mortgage company was not even concerned with this. 

First, they told me that there was not enough money sent in. ( This was their argument for not having a XXXX balance yet. ) Finally after several months, I had to sign a letter giving my permission for the mortgage company to use the escrow balance to pay off the loan in full. 

Meanwhile, they have charged me mortgage insurance premium in the amount of {$160.00} and on XX/XX/XXXX ( almost XXXX weeks AFTER closing ) there is a {$170.00} Legal Fee with no other explanation whatsoever. 

I have tried numerous time to reach out to them but they say there is no problem. 

Here it is : I closed -- - the money was sent in.. VMF processed it wrong somehow But look at the escrow balances in my statements yet they couldnt figure out why I still had a balance and its my fault because the funds were short ( they werent ) .. so therefore I got charged MIP again Then there is a mystery payment from.. I dont know where.. but I also did not ever get a final statement ( theyve sent it 3 times by mail thats the answer I got ) It is a complete mess- I saw several XXXX  complaints that seemed to involve the same topic.. sound like they've been doing this a lot. 

The statement I uploaded is the last one I ever received. I did not get any for the last month
Product: Debt collection

PayPal XXXX Date XX/XX/22 @ XXXX XXXX Payment sent to XXXX XXXX XXXX {$480.00}
Product: Money transfer, virtual currency, or money service

We were trying to send money ( {$2000.00} ) from US to XXXX for medical purpose. XXXXe, Online Money Transferring vendor, on website promised that the money transfer will happen in just XXXX hours if I allow the site to access our Bank Information and that's what I did. Once the information is collected, the ACH debit immediately happened and money went out my account right away and then confirmation message said It's all set and the money will be available after 4 days instead of XXXX hours. We checked at the receiver end and confirmed that it was not received after 4 days. 

After 7 days, I logged into the website just to check what happened and realized that they have not processed yet waiting for me to answer two inappropriate questions to be answered for the transfer to start. I called up the Help Desk with XXXX and the support user promised that this case will be expedited and the person will be sending a confirmation email at the end of the day, which I have not received even after 10 days. That shows failure in providing a satisfied Customer service. 

I made a second call with Help Desk just to realize that my money is still not gone any where. So asked to get the transaction cancelled which will take another XXXX working days. XXXX was at least helpful to send an email confirmation of the discussion that I had. 

So we will lose a total of 14 days on a money transaction and caused delay in the medical treatment for a XXXX patient. 

I have done multiple transactions in the past with other companies, with no issues. I would definitely want XXXX to look into this and provide us a with a good compensation for the poor customer service and a failed transaction service.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX AND XXXX # XXXX THEY HAVE 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: Debt collection

These debts have been reported to Commonwelth Financial in Pa. The Original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 1.. XXXX XXXX. 2. XXXX. XXXX. 3. XXXX. XX/XX/XXXX. I have contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX they said they have nothing in my name. XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX. Commonwelth Financial in PA XXXX said that these accounts were sent to them from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These three accounts have been removed from all 3 credit beauas and added back on with the same Name Commenwelth Financial out of PA. I had idenity theft of my Ss Card and DL on XX/XX/XXXX until XX/XX/XXXX. I reported this to our Police Department in Texas, in the county that I live in. On the report it Syayes that this is a Case Summary Report case number XXXX but Commonwy Financial said this is nota Police Report. So I Called the XXXX Police Department And have them the case number and advised them I needed A Police Report not a Summary case report. XXXX XXXX at XXXX Police dept ph number XXXX XXXX XXXX advised me that a case summary report and a police report where the same. Commonwelth Financial advised me that if I Dont provide a police report that these 3 Accounts are mine and I have to paid these account Per XXXX.. Also XXXX advised me that now these 3 Accounts have been turned over to a company called XXXX XXXX XXXX Phone Number is XXXX Called then and got Answering Machine. Left my Name and Number and have not heard back from them. I checked with the XXXX reviews and there is a statement that said that Commenwelth Financial and XXXX XXXX XXXX are scams. Please let me l ow how to get these People to stop putting these account on my. Refit Reports ... I have tryied everything and still asked to Pay these accounts that are not mine ... if you need additional information you can contact me at XXXX XXXX XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian  they stated that XXXX XXXX XXXX XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian  have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by Experian  that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.
Product: Credit reporting or other personal consumer reports

I sent in a Notice to inform them of unauthorized inquires on my credit report. I do not recognize or do business with the inquiries. As a solution to my problem and suffering I demanded settlement and removal off my credit report. The response times for those letters
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX 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 xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts
Product: Money transfer, virtual currency, or money service

I requested money back after it was proven that a fraud was committed. I changed account number with no permission to continue pymt and pymts continued.
Product: Debt collection

XXXX day while shopping at XXXX an employee at the customer service area approached me about a credit card XXXX & XXXX, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by XXXX meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at XXXX that day, plus more as I was receiving harassing phone calls from XXXX stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what XXXX stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from XXXX stating that they sent the credit card to my address and that it had been returned which I never knew until receiving XXXX 's letters that XXXX attempted to send me a credit card twice and they were returned. I told that XXXX rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that XXXX is charging me was not an amount of purchased items as I paid my one time shop spree with XXXX 's temporary paper slip, so my question is why is XXXX stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is XXXX continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called XXXX to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that XXXX attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we got a notice that out pay pal account was closed and froze. We did not think what we sold broke there terms and conditions as it doesn't say anything about selling brass but they did. Regardless we found other means to receive money for our business and was content to wait out the 6 months. However now they say they can keep all our funds in the account due to " Damages '' that were not described. Also they debited {$800.00} dollars from the from my fathers account that I had given him before the issues with the account. We were given no explanation for this debit so we are out the XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate balance showing in credit report. Last credit card statement end balance was {$0.00} which statement ended the end of XXXX. I'm attaching the last statement for your review.
Product: Credit reporting or other personal consumer reports

, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>XXXX XXXX XXXX
Product: Mortgage

Loan number XXXX Est. XXXX XXXX XXXX Co owner - XXXX XXXX Selling property at : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Closing was on XX/XX/2023 We had received a closing amount of {$930000.00} and suddenly at paper right before closing {$24000.00} was added to this amount raising the par-off amount to {$950000.00} When ask what was the additional amount for ( the amount was label recoverable amount ) no reply was given, and since we were days from losing lawyer let it be for time being. But now I like to know, and I know, I over paid. 
Lawyer has all of Bank documents, please contact as needed. 
I and lawyer have tried to reach PHH Mortgage and we have not being able to, even through email, no responses in any manner. 
My lawyer info. : XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Thank you, XXXX XXXX
Product: Debt collection

I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.
Product: Debt collection

COHN & DUSSI, XXXX contacted me personally about an alleged debt owed by the corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my personal contact information regarding a business account to this third party without my authorization nor prior knowledge. 

Both of these companies have violated my consumer rights and refuse to respond to my dispute request for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. SFFCU TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX SFFCU. 
He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT? 
And what happened in my complaint number above lead to screwing up my credit0 do to their Constructive Fraud on the Overdraft loan 80 and the Personal loan 81. I now can not purchase a car NOW. 
XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX  to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.
Product: Debt collection

On XX/XX/XXXX I spoke with XXXX XXXX from XXXX XXXX XXXX in regards to closed and not actively collecting nor owed on contract XXXX. She mentioned this account is closed and not requiring payment. She confirmed this via phone and email. XXXX confirmed as well with the resorts company that he can enroll me into a new time share agreement given those old contracts were cancelled and no longer exist or active, many changes were made after covid. This debt is not owed and balance is incorrect by the debtor meridian financial and I request the validate this debt with original contract with signatures and identification.
Product: Checking or savings account

On XX/XX/2022 I received an invite to apply for a US Bank Smartly Checking account and earn a {$500.00} bonus by completing the qualified activities consisting of setting up two or more direct deposits in the amount of {$6000.00} over a 60 day period as well as manually entering the specified promo code in the offer. I completed all the qualified activities ( terms and submission in the attachments ) and waited well past the stated/promised bonus date ( 60 days after direct deposit is verified ) but the bonus never posted. I called customer service at XXXXXXXX XXXX on XX/XX/XXXX and spoke to a representative who indicted I had met all the terms in the promotion and would create a ticket for my bonus to be escalated and posted with a call back within 2 business days. 

I did not receive a call back so I called again on XX/XX/XXXX at XXXX XXXX. Representative informed me that the ticket was never created and bonus could not be awarded. Representative indicated that it appeared that I met the criteria for the bonus but if I wanted to launch an investigation he would need to file an additional ticket that required me to give my full social security number over the phone which I did not feel comfortable doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

under Fcra company has 4 days to remove inaccurate items. Items are inaccurate and fraudulent and are against privacy law violations. Illegal reporting of charge off by XXXXXXXX XXXX. And illegal reporting of charge off credit by rent debt collections LLC. Privacy law violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CFPB Ref No : XXXX -- -> Please Note : XXXX XXXX notified me in writing, dated XXXX, that account -- XXXX is not reported by them as it is not my account ( see attached ). -- - ( If they offered me a new {$5000.00} limit account in my name - I would ask how soon ). 
Equifax said " they are still working on it. ''
Product: Credit card or prepaid card

XXXX to XXXX made attempts to make a payment. I received confirmation of payment but it didn't process for some reason I recall retrying and resubmitting bank information with a man in XXXX or XXXX and I eventually saw dollar wise my account had been reduced which loosely corresponded to {$310.00} ( which was short the stated {$15.00} immediate reduction and it was short the 20 % off for signing-up for e-mail ) Last week I saw on my free credit score a charge, and now today on the paid experion access they were charging me more at {$56.00} or {$58.00}. 

I called customer service just before and a XXXX from XXXX ( unbeknownst to me that the govt. is allowing our personal information out of the country ) but she refused to remove these fees. 
I asked to speak with a supervisor and she claimed I would have to wait. 

I have to write quickly I am late
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress in these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90-120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Equifax requesting that personal information be removed. They have failed to do so. 

I have also written Equifax to dispute unverified and information that has NOT been properly validated, but continues to be reported on my Equifax Credit Report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM, INC for a number of federal violations. I have NEVER given I.C. SYSTEM, INC any kind of permission to use any of my identifying information to commit mail fraud by contacting me about this alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is completely illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
Ive never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.