23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from XXXX XXXX, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone XXXX ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on ACS and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at ACS are legal.
Product: Checking or savings account

I got a government loan sent to my account figured I will try to send to my XXXX bank as regular banks are very strict with some deposits. I sent my loan deposit to moneylion I was able to make few purchases and withdraw some funds for biz purposes and next thing u know my account is frozen .. my phone was hacked via email I think someone sent bogus documents and tried to take matters into there own hands ... I tried to do everything in my power to get my account opened back up .. tried to send my actual documents they said that wont matter .... fast forward Its been 6 months I have about XXXX in the account they tell me my account is closed but they have been charging me admin fees for XXXX every month ... so Im being lied to and they are slowly draining my account .... please help
Product: Mortgage

I refinanced my original mortgage with XXXX in XXXX at a high interest rate. This mortgage was modified to reduce interest in XXXX. That company sold to Bayview loan servicing the end of XXXX. The new company tool over the beginning of XXXX. This company has received payments above the amount due for my payment every month. They have been placing the additional funds in as unapplied funds even after reminding them this is to be applied to principle. They have also added a late fee to my bill even though I pay early and extra. They stated that this is not a late fee but a company fee that occurred during the transition period. Upon review of all documents they have sent there has been no resolution to this issue. I removed the twice a month auto drafts and chose to pay online the full amount I have been paying with the specific allocation for additional funds to be applied to principle. I received my statement last week and it still has a late fee listed and unapplied funds from my last payment. The statement also states that no payment is due until XXXX. It is my belief that this is also how the previous company was handling my payments upon further review of statements.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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

As I check my equifax credit report I noticed something on my credit that I absolutely knew nothing about, a business called XXXX XXXX XXXX. I have no idea who this company is, I never spoke with anyone from this company and never had I heard of this company before, so for this to show up on my credit it 's fraud, someone had to use my information and I need something to be done cause I disagree with this. It says something about a personal loan which I will never try to get unless my credit is in good standards I want to build my credit not give a care in the world. Please help me clear this fraudulent information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and address the erroneous reporting of a debt by Apple Card/GS Bank USA on my credit report. Despite numerous attempts to resolve this matter, I, XXXX XXXX, have never owned an account with Apple Card/GS Bank USA XXXX I have provided Apple Card/GS Bank USA with ample opportunities to rectify this mistake, yet I am continually being harassed by their reporting of a debt that has not been legally verified. This baseless reporting has led to unfair damage to my credit, and I am now left with no choice but to escalate this matter. Apple Card/GS Bank USA has failed to provide any legitimate evidence. Instead, I have received frivolous documents pertaining to an alleged online application, which do not satisfy the legal requirements for verification. I have a comprehensive record of all correspondence, requests, and responses ( or lack thereof ) from Apple Card/GS Bank USA and the credit reporting agencies. Despite my repeated efforts to resolve this matter, I am being ignored, and no meaningful action has been taken by Apple Card/GS Bank USA or the credit bureaus to address this issue. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested that Apple Card/GS Bank USA immediately provide verifiable proof of this debt, including the original consumer contract bearing my wet signature, a copy of my valid drivers license, and a full and clear explanation of how this debt was verified. But received nothing still just computerized billing statements.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required XXXX day period 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting

Transunion " verified '' collections with XXXX, however, I have provided proof to both XXXX and Transunion showing this is not my debt. XXXX has removed all entries on my credit reports on XXXX and XXXX, but failed to remove these entries from Transunion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act XXXX Account # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 writing instructions
Product: Credit reporting or other personal consumer reports

Date opened XX/XX/XXXX Amount {$600.00} I have contacted them about this Report in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter that was sent.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation pursuant to 1681c-2. On XX/XX/2022 I sent TransUnion a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since TransUnion has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.
Product: Prepaid card

I filed a dispute with Cashapp after noticing there was an unauthorized purchase by a seller that did not exist. It is my belief that someone from cashapp has stolen the money from my card and is now refusing to dispute the charge with the so called " merchant ''. The last email I received from Cashapp 's XXXX  stating they could dispute the charge with the merchant if I followed certain steps. She sent the email on XX/XX/XXXX, I followed those exact steps and responded to the email, and they never did anything. I have notified Cashapp 's CEO about this scam via email, but I believe he is in on it because it was never resolved.
Product: Credit reporting or other personal consumer reports

Today I was alerted by a credit reporting service that Hunter Warfield has reported me as owing a debt that i do not owe and and an address that I dont live at. I went to correct the address and it says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived there and am a life long XXXX resident. It was reported to XXXX. I then received a negative credit alert on XXXX and learned that they are reporting the following Account name HUNTER WARFIELD Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$20.00}, XXXX past due as of XX/XX/year>. 
Status updated XXXX XXXX  Balance {$20000.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$20000.00} I dont owe such a debt and have never heard or done business with these people. It has dropped my credit score by XXXX points and I dont even owe the debt. Can you please assist in having this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SUPPORT ENFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEY GENERALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX of the United States Code, Section 1681b, specifically addresses permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ). Subsections ( a ) and ( c ) outline important provisions related to accessing and using consumer credit information. Here 's a breakdown of each subsection : Subsection ( a ) of 15 USC 1681b : This subsection delineates the permissible purposes for which a consumer report may be obtained by a third party. Permissible purposes include : For use in connection with a credit transaction initiated by the consumer.

Review or collection of an account of the consumer.

Employment purposes, including evaluation for employment, promotion, reassignment, or retention.

Underwriting insurance.

Government license or benefit determination.

Legitimate business needs in connection with a business transaction initiated by the consumer.

Subsection ( a ) serves to establish guidelines for the lawful acquisition and utilization of consumer reports, emphasizing the importance of appropriate and authorized access to such sensitive information.

Subsection ( c ) of 15 USC 1681b : This subsection imposes restrictions on the use of consumer reports obtained for employment purposes, specifically regarding adverse actions based on information contained within such reports.

Before taking adverse action based on information from a consumer report obtained for employment purposes, the user must provide the consumer with : A copy of the consumer report.

A summary of consumer rights under the FCRA.

Notification of the adverse action to be taken.

Subsection ( c ) aims to safeguard the rights of consumers by ensuring transparency and accountability in the employment screening process, enabling individuals to address inaccuracies or discrepancies in their consumer reports.

In summary, Sections 1681b ( a ) and ( c ) of Title 15 delineate the permissible purposes for accessing consumer reports and impose requirements on users to adhere to legal guidelines and provide necessary disclosures to consumers, respectively. These provisions are integral to promoting fair and responsible practices in consumer credit reporting and employment screening. 


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

On XX/XX/2022 I went to Bank of America to wire money for escrow domestically. I sent XXXX and they misspelled a name to the recipient bank. My realtor called me stating the bank had not received the funds in 2 days, which should have took one day max. I go back on XXXX to Bank of America to send another XXXX to escrow in which this case everything was spelled correctly and the escrow bank received the money in 10 mins. Since then I have tried multiple times to call bank of americas wire department to cancel the first wire and I have little to no help. They give me a confirmation number but will not email me or send me proof of cancelation. It has been over two weeks and my money is neither in my bank account or received by escrow. I just need the money urgently to close escrow next month and the Bank of America call representatives are no help. They can not give me a timeframe for the money to get refunded, no guarantee on refunds. They requested additional info such as the recipients full legal name and date of birth. My bank account shows the XXXX in terms of processing and a hold on it. I feel helpless in getting back my money for escrow. Its been two weeks, it should have been back in my account or at least situated into escrows account. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX closed stating they sent a letter. I replied to letter with cerified mail and was received by company. This does not resolve or even address the complaints addressed on the statement. Fix this issue and reply to the congressional office that forwarded this complaint
Product: Credit card

On XXXX/XXXX/2016 I submitted a notarized affidavit of fraudulent transaction to Wells Fargo for charges that I never made or authorized. Wells Fargo allege they did an investigation and said no fraud occurred despite XXXX letters from myself stating such and the fact that the bank the money they said the money was forward to I do not have an account. I have forward a police report, notarized affidavit through the FTC, and they refuse to adhere to the Consumer Protection Act and the Fair Credit Reporting Act under the FTC. In XXXX certified letters and XXXX phone conversation to Wells Fargo Unit I have requested the full account information so that I may complete the police report to seek charges against the suspect ( s ). To date all correspondents state I can have all information included in their investigation upon request ; however, to date Wells Fargo has refused to provided me any the information which they say but has to date refuse to provide and in fact in phone conversation has stated they can not give me that information of my account activity. To date Wells Fargo has never initiated a call or any communication with with me for any details or facts of the theft. All actions, reports and follow-up have been by me trying to get the matter resolved and the information of the suspect to seek criminal charges. In XXXX of my calls the Wells Fargo Fraud to follow up on if their was any investigation being done, the representative did ask me if I had an account with Bank XXXX XXXX ending with XXXX. I told them I nor any authorize user have a checking or saving accounts with Bank XXXX XXXX. To be sure no account was fraudulent opened or existed in my name, I contacted Bank XXXX XXXX and forward the information to Wells Fargo Fraud Unit of the Bank XXXX XXXX Fraud representative I spoke to that there are no accounts in my name and that they can not identify the owner of the account without the full account number. Wells Fargo either is trying to make me pay for their mistake or they are trying to aid the suspect in their fraud efforts but in doing so they are in violation of the consumer protection act and Fair Credit Reposting Act by keeping the fraudulent charges on my credit and not correcting the fraudulent charge after being notified within the stated time frame.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I noticed hard inquiries that I did not make nor did I authorize anyone to pull my credit report. 
also a collection that was not from me it from 2013 when my identify was stolen and i had a fraud alert on my credit since that happened 10 years ago not only was it not me by law the statute of limitations is up on this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.

Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail ONLY I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof. 
You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary compensation damages for the violations you already committed.