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

my tenant ' XXXX app wasnot working and he had to send me money through cash app on XX/XX/XXXX. 
cash app system doesn't allow me to link my bank acct after many correct tries inorder to transfer it for free in XXXX  days. but they do allow bank atm card which in this case you can only choose instant transfer for {$22.00} fee. 
i tried to ask for help with no result, they are blaming my bank, but i do this often with XXXX with no problem at all. 
i need to get my money back and i dont want to pay any fee according to their own rule. i dont know what else to do. 
please help
Product: Checking or savings account

In response to another CFPB complaint that was filed about Bank of America 's predatory XXXX reporting before attempting to collect a debt, I was contacted by the bank 's Regulatory Complaints Servicing department this morning. As you will hear in the attached recorded phone call, I informed the bank that I was located in a one-party state, and that I could therefore record our phone call without their consent or knowledge. The bank representative, XXXX, told me that she couldn't talk to me because of BofA policy. I attempted to explain to XXXX that BofA policy could not preempt state law -- despite the bank 's pattern of feeling above the law -- but she insisted. Before the call comes to a close, I requested an email with XXXX 's full name and phone extension, as I was driving and was unable to write down her contact information. She told me she was sending it " right away, '' and in keeping with the Bank 's pattern of deception and fraud, she did not actually email me. I have no way of getting in touch with the representative who is supposed to be overseeing my CFPB case, because she did not send me her contact info as promised in the attached recording, and when you call the inbound number for the Regulatory Complaints Servicing department, you need an extension to reach your representative. Bank of America is not able to preempt state law with their corporate policy, and I have the right to be able to discuss this complaint with the bank before filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. This have been going on for over a year.
Product: Mortgage

2013 I filed for bankruptcy on my business in chapter XXXX bankruptcy, my house in it and my mortgage lender sold it to Ditech, telephone number XXXX. Loan # XXXX. I did not included my home in the payment to the court and pay it directly to the Ditech, during the course of the bankruptcy they failed to contact me or my attorney of any changes to my loan as far as the escrow changes etc, the never want to talk to me even when my attorney gave the okay to deal with me directly. The fixed amount that was transferred from the old lender was changed immediately my bankruptcy was over and they are claiming I missed payments which they can not prove. I have tried so many times to resolve this but we never reached anywhere.. please intervene to resolve this on my behalf.
Product: Credit card or prepaid card

My wife used my credit card number without my consent to create an account and subscription with two online babysitting companies that charged {$62.00} and {$35.00} to my Chase credit card each month for almost two years each. Though we resolved the babysitting situation without these companies within a month, my wife continued to keep the accounts open, racking up a total bill of over {$1500.00} before I caught the error. I have been in the process of divorcing her while the bills accumulated. I had no access to these accounts nor the notices that they were charging me as the accounts were made in her name and with her contact information. Chase made an initial determination that it could not be fraud because I " knew the name of the person '' who committed the fraud. I asked the representative if this meant that if I knew the name of a cashier who stole my credit card number and used it outside of my consent or control would this also count as my responsibility. He declined to answer. I appealed the decision and received word over email that Chase had rejected my appeal and closed the case. Chase committed an abuse of power with this decision and should be held accountable. My divorce is expensive and I am accumulating a lot of debt despite my steady employment. Every element of this situation would be declared fraud from any fair judge and yet because of the debt, I am already accumulating, I can not fight Chase in court to reverse this decision. To XXXX 's credit, they did recognize the fraud and reimbursed me {$210.00}. Please help me to get the rest of my fair reimbursement.
Product: Mortgage

In XXXX I tried to work out a loan modification. however, due to covid and being self employed, I was unable to make payments. 
THey just denied my forberance request due to me " previously being on the plan ''
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : ACCOUNT # XXXX Williams Alexander & Associates Toll Free : XXXX Fax # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU VS XXXX XXXX XXXX , XXXX XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) asIf you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a three way discussion with a rep from their company, XXXX, as well as XXXX XXXX. XXXX was deducting my payment daily and sometimes several times a day. XXXX XXXX stopped this action. The cause was investigated and XXXX said on a recorded call that once XXXX released the stop hold for the 3 ACH payments, they would close the account 'as a courtesy ' and Paid in Full. I called three additional times to confirm they had payment once XXXX released the funds, once per week. They said it may take up to 30 days for them to receive it and in the mean time, they refunded one payment of {$42.00}, added interest charges and then sent it to collections. XXXX is aware I am on a do not call list, and do not consent to their calls. They provided my EMPLOYER PHONE NUMBER to the collections group in retalliation. Over {$62.00} and a verbal agreement they did not follow through on. 

Despite honoring my end of the agreement and XXXX releasing the 3 ACH 's back to XXXX, they sent my account to collections over {$62.00}, the amount of 1 ACH debit and fees. I have a ding on my credit since they closed the account as a charge off. It is no such thing. 

Should be Paid as Agreed, and XXXX needs to honor their end of the deal. Remove the account from collections and close as agreed. I will be filing a complaint in addition to this one with the Attorney General next and utilizing the call records if XXXX does not honor their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/16, an inquiry was made to Equifax by XXXX, XXXX : :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX- Phone ( XXXX ) XXXX. I contacted two departments of XXXX XXXX and they stated that they do not make credit inquiries. I find the inquiry to be suspicious!
Product: Credit card

They refused to inquire about the mistakenly reported late payments, my payments are current and up to date. Please remove reported late payments as they are adversely affecting my credit score because of incorrect reporting.
Product: Bank account or service

I was recently charge {$75.00} fee on my checking account at Chase, because of a questionable tax debt owned to the State of Indiana by a debt collection agency
Product: Checking or savings account

XX/XX/2022 my Savings account got fraud bad check deposited and took {$200.00} out.. so Citibank blocked my savings which is good but holding my remaining check from my employment direct deposit of {$1100.00} that they on hold processing to be mailed to me..But I been told they have to wait 60 days which is bull crap.. Cause it's holding up my bills and rent cause there time ranges. I have called almost every week trying to get this expedited and get people that can't understand XXXX and not very helpful. Deposit risk department told me, a different area has the check but won't release it and close out my account. All I want is my employment check mailed or XXXX to me ASAP. They already blocked me from reading messages from them or even looking at acct.. I want it closed today and check mailed to me. 

Please assist and have them process today. Thank you.
Product: Debt collection

I have never done any business with CC collection services. I do not owe any debt. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove the following account from my credit file. According to Equifax, they can not verify my identity, which is clearly a stall tactic because the address on my file, is the same address they have used for communications with me. Also less than 60 days ago I provided Equifax with documentation of my address and identification documents. This account needs to be PERMANTELY DELETED ASAP. It is NOT my account and the company has already responded that they have sent a letter to the 3 credit bureaus requesting deletion from my credit file. The company responded 30+ days ago, yet Equifax is stalling to delete this frivolous incorrect information from my consumer credit file. Not only is this a blatant violation of my consumer rights, but it is damaging my financial reputation. 

Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to XXXX, XXXX, and Transunion. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters to this company for more t han two years. I 've made several request for this company to investigate, re-investigate, requested copies of their IN VESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thoug  h TWO YEARS has already passed.
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Alll I received from this comp  any is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint concerning the persistent inaccuracies present on my credit report with Credit Bureaus. Despite multiple attempts to rectify these inaccuracies, the requested corrections have not been made, and this has had a detrimental impact on my financial well-being and creditworthiness. 

I first identified these discrepancies on my credit report, and since then, I have made repeated attempts to have them corrected. I have communicated with your agency on the following dates and each time I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my efforts, the inaccuracies remain unresolved. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly indicating the inaccurate items. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of payments, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have adversely affected my ability to secure credit, employment, and other financial opportunities, and I expect them to be rectified without further delay. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and updates on the progress of the investigation. Please assist me to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I sent dispute letters to Experian regarding 2 accounts that are charge off and they fail to comply with a complete investigation, They have not sent me proper validation, I have not received proof of contract with my signature with neither company, furthermore IRS states a charge off is INCOME AND INCOME should not be reported with Credit Reporting companies.
Product: Debt collection

On XX/XX/2021 I received a letter in behalf of LVNV Funding LLC from XXXX, XXXX and XXXX stating they wre represent them. After doing some investigation I noticed that the attorney did not have license to practice in the state that the XXXX originated in which is MA. XXXX has also been reporting this account incorrectly which is hurting my credit. They have been reporting a past due balance. As per the FDCPA only the original creditor can report an account 30,60,90 or 120 days past due. They are in violation and ask that this account be removed from my credit
Product: Debt collection

I have been contacted by National Credit Systems ( NCS ) a company headquartered in the state of Georgia. I have made an attempt thru direct dispute with the furnisher sending certified and marked correspondence on XX/XX/2023, with the company supposedly to validate the alleged debt and to see if they are a recognized company. I have not received anything from the proposed original creditor which is listed as XXXX XXXX XXXX. I have been threatened that I may be sued and if sued then my accounts will be garnished without my authority.

I have sent the company notice that I am not going to pay the alleged debt to them since they have ignored my validation requests. I have asked the Credit bureaus to investigate however they have told me that I am not going to get any information directly. rather only that NCS has validated the debt with them. When I asked for additional information on the verification, I was told that I would have to supeaona each credit reporting agency just to get the process of how NCS is validating and verifying this debt.

The date it was added to my consumer profile is incorrect as well it states XXXX, but it did not pop up until XXXX timeframe which didn't allow me my 30 days to respond. Once I saw the account, I immediately sent a cease-and-desist letter to NCS. However, they have continued to violate my privacy and report this erroneous information onto my account.

I did not give any organization a right to add any info onto my report nor was i offered a opt out to my transactions and experiences. My consumer rights have been violated and my right to privacy abused.
Product: Debt collection

I was previously employed with XXXX XXXXXXXX XXXX  ( the Original Creditor ) and was on a month-to-month lease with them. I moved out of state for better employment opportunity and my last month was paid in advance. Furthermore, I left two weeks before the month was over. Now, they are claiming the lease was broken and are attempting to charge me {$1400.00} which is completely false and fraudulent and has affected my credit score! I am demanding that a contract or lease to be provided with my signature which I suspect can not be provided. I am also demanding the account to be removed from my credit, the account to be closed, and for the debt to not be sold to any other agencies. My next step will filing grievances with the FTC, Attorney General 's Office, and possibly legal action. There are several law firms that specialize in suing debt collectors ( such as XXXX XXXX, among others ). This is outrageous that this is the second complaint I've had to file due the false claims made by the original creditor.
Product: Payday loan, title loan, or personal loan

The interest that has been charged while I was deployed and was being recalled to XXXX XXXX was around {$1300.00}. I tried to send them all of the sets of military orders to have help with the SCRA and they hang up on me every time and will not respond to me or give me an answer or help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address showing in my report. submitted an online dispute in the company 's website.
Product: Debt collection

I have requested a full calculation of the debt owned. Rent owe should be broken down and given within 30 days. It still have not been provided how it was calculated. Each time I ask for the actual calculation the company just reduce the amount and still not explain why or why cams to the amount due.
Product: Mortgage

I have requested a written mortgage reinstatement quote, so I can pay my mortgage current. Shellpoint has stated that they aren't sure they can provide it before the foreclosure sale date. I have the funds to pay the account current. Per XXXX  XXXX  rule E-3.2-08, Processing Reinstatements During Foreclosure, The servicer must accept a full reinstatement of a first XXXX mortgage loan even if foreclosure proceedings have already begun. This is also true for a second lien mortgage loan as long as the first XXXX mortgage loan is not delinquent or provided the first XXXX mortgage loan servicer has agreed to arrangements for curing the delinquency. After a mortgage loan is either partially or fully reinstated, the servicer must return the original mortgage note to the document custodian if the servicer took physical possession of the original note for the foreclosure action. 

Per this particular I am demanding a reinstate quote be issued immediately. Shellpoint seems to motivated foreclose instead of accepting the reinstatement funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing the complaint as XXXX, XXXX  and XXXX has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX  received from DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given a XXXX from discover and submitted in a dispute to XXXX to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason XXXX keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from XXXX What is the point of a debt being cancelled if it is not removed from credit report.