23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a seller {$160.00} using CashApp. They called me to ensure it wasn't a scam and they would ship my item tomorrow. At that point, the seller blocked my phone number from texting or calling. They stopped responding to emails. I immediately let CashApp know and to cancel the transaction. They did not respond very quickly and thus the money was transferred from my bank. I disputed this with CashApp and they said to contact my bank to see if they would refund my money due to scam. The bank concluded the investigation and denied my claim. They instructed me to take this up with the merchant. Seeing how the seller blocked and scammed me, I contacted CashApp. They have yet to respond or refund the money they allowed to go to a scammer.
Product: Mortgage

We 've been making regular payments to our XXXX mortgage company but the payments have not been applied. They show on our statements as unapplied payments. The statements also show we are past due and this is being reported on our credit. We 've made several attempts to contact the lender, sent an email to their escalation dept but nothing is being done. Meanwhile our credit is being affected and we have close to {$1000.00} credit. How can a company accept payments, not apply them then place a negative report on the consumers credit? We were told by XXXX rep that the ARM was being reviewed but why are we being penalized? Please help us!
Product: Credit reporting or other personal consumer reports

The persons EQUIFAX, XXXX XXXX and XXXX Consumer reporting agency has been reporting information thats not mine causing hard ship I ask for it to be remove after verifying the account on my consumer report which is being furnished by a person Name XXXX XXXX XXXX. 

XXXX XXXX XXXX has been using my consumer report without my consent I Disputed this matter with the The consumer report agency Equifax and Equifax just claim to verify account. I have no documentation of validation upon requests, this is my XXXX time addressing matter, I want Equifax the consumer reporting agency to remove XXXX XXXX XXXX  from consumer report.
Product: Debt collection

In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff.

The Attorney Capital One obtained, Mandarich Law Group , LLP has not done their due diligence either. I never notification from them in attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

XXXX has failed its legal obligation under the Fair Credit Reporting Act { FCRA } to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau { CFPB } has recently filed a lawsuit against XXXX, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and falling to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX {$360.00} Dispute # XXXX XX/XX/XXXX and most recently AGAIN XX/XX/XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint : XXXX is at 30 days today with no response from the company in regards to my certified document. XX/XX/2023, I received a letter from the Attorney General informing Experian they had 15 days to respond with their written statement into the merits of my statement. With silence from Experian, my affidavit stands as truth. This is a notice to Experian that I am moving forward to file a claim against the company for the continuous violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased  XXXX  credit report/score with credit monitoring. I called to cancel and they cancelled my service immediately and refused to provide a refund for services I would have received for the remainder of the month that was covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX XXXX Attention : XXXX  XXXX Department XXXX : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2017, I sold Bitcoin for the amount of {$5900.00} to be paid by wire transfer to my bank account. It has been 55 days and after filing a ticket with their support team and multiple attempts to reach them for a resolution, there is no sign that this deposit is forthcoming.
Product: Checking or savings account

Bank of America wrote to me in official letter stating that they would be closing my accounts due to risk. They also told me that their decision was to protect me as a customer, and to protect themselves as a bank. 

This happened in XX/XX/XXXX and beyond. From last year, the bank has never sent me my money, instead, they have continued to charge me for Maintainance fees, overdrafts and in addition they have continued to pay transactions which I do not authorize. I never have access to my bank accounts because they blocked me from Accessing them, after scammers attempt to access my account. The bank continues to hold on to more than {$8500.00} of my money and denies me from Opening an account with them, fir which they claim it was risk prevention. Some of the money in those accounts being to my XXXX child XXXX years old, survivor benefits, and money in arrears from my paychecks and so on. 

I am tired of waiting for my money and I am feeling abused, discriminated against from banking with them, even though I am a victim of identity theft. Bank of America punishes me by not allow me to have access to my money and accounts. I need proof, results and details of the investigation which they claim is still ongoing. I need the bank to add interest to my money which they hold XXXX and to pay for inconveniences caused. I am a XXXX woman. For far too long, banks like BOA have discriminated against us, XXXX us in overdraft fees and in predatory lending. I need my money with interest of 15 %. Counting from XX/XX/2020. 

Thank you. 

XXXX XXXX
Product: Mortgage

I am trying to cancel my escrow account with my mortgage loan servicer OCWEN. All payments have remained current during the past 12 months. The underlying mortgage does not have a negative escrow balance or other outstanding delinquencies. There is not tax or insurance payment due within the next 45 days. There is no forced-placed insurance policy on the account and the underlying mortgage has not been modified within the last 12 months to include an escrow account. 

OCWEN is citing IL State Law 765 ILCS 910/5 ( Section five, paragraph 4905, Chapter 17 ). They state that this law requires that homeowners in the state of Illinois are required to maintain an escrow account until the LTV has been reduced to 65 % or lower. This law has no provisions on requirements of escrow accounts, in fact this law only states once a mortgage is reduced to 65 % of it's original balance the Mortgage Lender must notify borrower that their escrow account may be terminated or may elect to continue until a termination request is received or mortgage is paid in full, which ever occurs first. 

For your reference, this information was obtained from the following website : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX I have not been told that an escrow accounts is required according to an investor requirement or federal law/rule. They keep citing this IL state law that says they are allowed to hold my escrow dollar hostage until the LTV reaches 65 % LTV. I  would like for the CFPB to research this issue with OCWEN servicing to ensure they are interpreting this IL statue incorrectly and holding onto escrow monies longer than are allowed under federal/state rules or laws. If this is happening on my account there can be thousands of others in the state of IL where their escrow dollars are being held hostage by OCWEN and that is not right.
Product: Credit card

there is a negative account on my credit reports from macy 's ending in XXXX that is hurting my credit score which i need removed. Its difficult to acquire credit for me with those negative remarks.i have hired a law firm to represent me in order to remove it but they refuse to.Next step is to complain to the better business bureau regarding this incident. Unless they agree to remove it from transition and experian ill take down my complain
Product: Debt collection

Merchants and medical is claiming that I owe them money. I never signed a contract with their company nor do I agree that I owe them. I had full coverage insurance during the time in question and have no idea why anything wouldn't have been covered. But again they haven't even provided me real proof that it's my debt or that it ever belonged to me and they refuse to remove it from my credit report. Sending a paper they typed up in their office doesn't equal proof that I ever had a bill with the hospital. I believe this is a fraudulant account which is why they haven't provided me with any proof.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Mortgage

Our mortgage payment has remained the same for quite a while. Recently I noticed a small decrease in our monthly payment which was then ( after three months ) followed by a significant increase in our monthly payments. As I investigated the reasoning for this I discovered that the monthly PMI was being paid for in random ways. For example, it may not be paid one month and then be billed twice as much the next month. At one point there were four months worth of PMI paid for from our escrow account a one time. While this was occurring we were informed that there was an escrow shortage. Our monthly payments were increased by just over $ XXXX/month. The lender is unable to explain why the PMI has been taken erratically, why there is an escrow shortage, and can not justify the amount of the monthly increase. Numerous calls to the company have resulted in no results and continued promises to investigate that are not accomplished.
Product: Debt collection

I noticed a debt charge off from a company called Americollect on my credit. I contacted the company via chat. They are giving the name of a XXXX XXXX I am unaware of. They also could not verify my social, only my date of birth. Despite having the address listed on my insurance the letters were sent to an XXXX XXXX address that was not provided by the Americollect employee. I have received no calls, or no letters regarding the debt. I have lived at my current address for 4 years, my insurance is billed using my current address which is XXXX XXXX XXXX XXXX. My dad lives on XXXX XXXX and has the same name as me. Simply verifying my date if birth is not adequate. My father 's credit report has often times been crossed with mine. Americollect did not give me notice of the debt, my dad has not received a letter and we have received no calls. Furthermore ONE letter isn't enough notice to dispute or pay a XXXX dollar debt before reporting it to my credit. I can find no balance owed on my insurance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 Equifax changed the balance on a closed charged off auto loan To {$13000.00} from {$8500.00}. That the amount that the account was closed and charged off on. 
XX/XX/23 Equifax reported a collection account with the amount of {$200.00} as open account status. 
XX/XX/23 Equifax reported a collection account with the amount of {$290.00} as open account status. 
XX/XX/23 Equifax changed the payment history on a closed account making my score drop XXXX points. 
XX/XX/23 Equifax reported a collection account with the amount of {$590.00} as open account status. 
XX/XX/23 Equifax reported a collection account with the amount of {$630.00} as open account status.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resident Collect (  XXXX  ) is a credit reporting agency that was sent a debt of {$6400.00} ( all  XXXX  credit bureaus ) for me from an apartment that I leased and do to some   XXXX   XXXX   XXXX  issue I allowed myself to be evicted to get away from the person that was making my life crazy, I also had an eviction amount ( judgment on my credit report ) for the amount of {$1100.00}, so in a since this amount was being reported twice, since its makes of part of the  XXXX , plus relating fees, and inflation fees. I contacted resident to pay the  XXXX , and get the judgment removed in  XXXX . But they could not take that partial payment and so I went to the apartment complex and   XXXX   XXXX   XXXX   XXXX   (  XXXX  )  XXXX  and  XXXX  worked with me and took the  XXXX  payment and went to the courts and got me a release of judgement and I submitted that to the credit bureaus and it was removed and  one  was updated to satisfied, showing that it had been paid. I was assured by  XXXX  that there would be an updated amount sent to Resident Collect o n  XX/XX/XXXX , wh en I was in her office, she has since never returned my phone call, when I would call, they would act like she wasnt there and when I did get her, she stated she didnt know what to do because no one has every come in to pay a judgment, so it was new to her and she was relaying on her corporate office to send a updated version removing the  XXXX  from the  XXXX  amount. I so contacted Resident collect 4 times since then, the first time, they asked me to send them the release of Judgement and they would update it, that was back in  XX/XX/XXXX . Then each time I have called afterwards, they advised me they have reached out to the apartment complex, and they have not sent them an update and they would have to send a revision of the debt in order for them to update the credit bureaus. I created a dispute with the credit bureaus to have it updated, but it came back that resident collect is saying the  XXXX  amount it still valid, only because they cant get an update form the corporate office, which resident collect is saying probably should not have took my payment, but that was the only way i could 've ever resolve the judgment, because that money had paid directly to the apartment complex and maybe should n't have been added to that original amount. Either way, I have contacted the corporate office myself to try and resolve, I was given a local number  XXXX  and to speak with  XXXX  and I have left her  two  messages, with no call back. I also left  one  this morning. My issue her is simple and I dont understand why they are not willing to do what legal they should be doing and removing the amount of  XXXX  from the  XXXX , I can not even began to negotiate with the collector  one  balance, because its incorrect.     I
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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: Credit reporting or other personal consumer reports

This is yet another request to inform you that I have been a victim of identity theft. Despite my previous notifications, it appears no action has been taken. I want to dispute specific records in my credit file that do not belong to me and that I have not authorized or signed any agreement for. The items I'm challenging are unrelated to any transactions I have made or authorized for products, services, or money. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00}
Product: Student loan

I have been repeatedly misinformed by Navient. Their inability to track, process, and apply my payments has led to past due balances and fees that they have corrected by forcing me to apply for forbearance twice within the past 8 months. They have given me incorrect information for the terms of my forbearance both times, including the period of my forbearance and when my next payment is due. I have started calling in and making my payments over the phone with a live representative because every single month that I go online to make a payment, I am showing a past due balance- even after making my payment over the phone through a representative who assures me this will not happen again. Today, my loans showed a total past due balance of {$18.00}, which a representative " deleted '' and stated that it was charged " in error '' and could not explain why it was charged. After o ver 1 hour on the phone with two Navient representatives today, I was told 3 different amounts that I was due to pa y only to be told at the end of my phone call that I did not have a payment due this month at all. I contacted them via post several months ago, as requested, and have not received a response. While on the phone with them today  XXXX / XXXX /  XXXX  , I was told that my balances due are entirely different from the information provided for those loans online and none of those amounts match what is reported to credit bureaus. They do not keep records of my phone calls, despite telling me that they will do so. Every time that I call, they somehow adjust my loan amounts and interest to get rid of the past due balances they have charged " in error '' and can not explain why the charges occurred in the first place. They distribute my payments in ways that are not as I have requested- My payments have been applied to interest, principal balances, and advanced due dates when I request that my over-payments be applied to the principal balance of single loans. My record of payment online does not reflect the payments I have made, and the last payment I made on  XXXX / XXXX /  XXXX   does not appear in records anywhere. In the past hour, my account information online has changed from showing payments made on  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with capitalized interest on  XXXX  and  XXXX  as well as a credit adjustment on  XXXX  to now showing a record of payments on  XXXX ,  XXXX ,  XXXX , and  XXXX  with no record of the capitalized interest or credit adjustment. The amount that Navient claims that I owe them changes on a regular basis at the click of a representatives mouse with absolutely no explanation or record. I can no longer justify paying thousands of dollars to a company that can not accurately and consistently explain to me how much I owe, how my payments are being applied, and why I am repeatedly showing a past due balance or charged more than my scheduled payments in error.