23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

MSW Capital responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago.
This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court.
Previous response :   XXXX   XXXX  , 2016 Re :   XXXX   XXXX   XXXX   CFPB Case :   XXXX   MSW Ref # :  XXXX  OC Account # ending :  XXXX    XXXX   XXXX   : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number   XXXX    and have reviewed your complaint and discussed this with our servicing attorney as well as   XXXX   XXXX   XXXX  . Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the   XXXX   XXXX   account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. MSW Capital , LLC is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting   XXXX   XXXX   to obtain the information used to open the credit card, MSW Capital , LLC has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted   XXXX   XXXX    XXXX   XXXX   XXXX   to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that   XXXX   XXXX   remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing MSW Capital , LLC a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX store credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.
Product: Credit card or prepaid card

I recently received an Envelope post marked XX/XX/XXXX from Citi Bank. There was no cover letter only Account Statement from XXXX XXXX. 
I filed a Written Dispute in XXXX, regarding a Purchase I made with my Home Depo Credit card totaling XXXX. I paid the deposit on XXXX and the balance on XXXX. 
It did not show up on my XX/XX/XXXX statement with closing dates XXXX. 
On my XX/XX/XXXX Account Statement it showed up as a credit for the Total amount of XXXX, but then added right back in to Purchases totaling XXXX. 
Then on my XX/XX/XXXX statement only a partial credit was apply XXXX was credited from my account leaving a balance of XXXX. 
Then in XX/XX/XXXX statement I was charged for the XX/XX/XXXX XXXX XXXX for a then showing a Balance of XXXX. 
I was informed in writing that the total purchase amount XXXX was Charged back to my Home Depo credit card account, but as the statements prove, the balance reflected that amount included in the Total amount due. 
The Account was charged off with the incorrect balance. 
This account is discharged through Bankruptcy XX/XX/XXXX.
Product: Debt collection

I have had a personal American Express and a Business American Express ( OPEN ) since XX/XX/XXXX. This complaint is about the Business American Express. I used the OPEN for my XXXX as revolving cash for several years. I had balances over {$50000.00} at times. In XX/XX/XXXX, the balance was over {$25000.00}. By XX/XX/XXXX, the balance had dropped to under {$1000.00}. In XX/XX/XXXX, American Express notified me that they were cancelling my " pay as you go '' ( revolving ) and lowering my limit immediately. They claimed it was due to negative credit on my credit report. However, this was not true. 
There was no negative credit and my credit score was consistent. In fact, I refinanced a {$180000.00} mortgage in XX/XX/XXXX with no problem. 

We had just opened a big project and this immediately paying off a big balance ( about {$25000.00} ) was problematic. I called American Express and they suggested that I go on a payment plan. When the payment plan was complete, my card would be good to continue use. I agreed. I made 100 % of the payments on time during the payment plan. However, American Express cancelled the card during the payment plan. 

When the payment plan was complete, American Express demanded the remaining balance of about {$7200.00}. I had not idea this was coming. American Express had unilaterally reduced the credit line, unilaterally cancelled the card, and unlaterally called it due to no reason. I asked to simply continuing paying the $ XXXX/month and the balance would be retired in 9 months. They said NO. I wrote a letter to the president of the American Express. The executive office called me and told me there would do NOTHING to help. 

Note that I had ALWAYS made payments as agreed on the both cards ; there was NO problem with my credit. I simply want to retire the debt and move on. 

Since then, I have received harassing calls from American Express. American Express employee, XXXX XXXX, threatened to turn over the account to outside collections. XXXX XXXX is going to call the personal account fully due and turn it over to collections as well. He promised to " ruin my credit ''. Note that both the personal card and the business card have been paid as agreed always. This seems completely unnecessary. I am willing to pay. I just need a few months. 

I have had relationships with many mortgage companies and other credit cards for over 25 years and have maintained perfect credit. 

American Express purposefully ruining my credit is highly damaging to our real estate business as we are dependent on credit to purchase properties.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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 protection act ( FCPA ). 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 Fraud Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and i seek appreciate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my report a 30 day late payment on XX/XX/2018 XXXX XXXX/XXXX ACCOUNT # XXXX.The information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me, i obtained a copy of my current credit report and noticed inquires that i did not authorize and i would like it to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  years ago I hired XXXX XXXX  This company of their own freewill as a credit collector accepted payoff agreement I was able to satisfy debt andXXXX XXXX allowed me time to repay them. 
All parties were affirmed and satisfied all paid much time later the debt collector files against my credit rating resulting in my credit rsting falls by 37 % and they usually file with irs for a 1099-C showing I had unearned income All False BUT we as citizens have no cnduit to protest resulting in irs demanding payments with resulting fees interest etc I worked to restore my credit rsting. I used every legal anner to assure payment. 
I am now burdened once agan by debt collector and eventually irs.
Product: Mortgage

In previously filed a complaint w CFPB regarding the way my loan was being serviced, esp during COVID 19 hardship. I asked to have a new point of contact assigned, as my contact, XXXX, had given me incorrect information & I felt was biased towards me. I received a letter from SLS advising me of my new Point of Contact, but the customer service number provided was only for messages & when I called the alternate number for customer service provided on the recording I was told that XXXX was still my account rep & they had no idea who the person listed on the letter from SLS was. I am requesting the correct contact for my Single Point of Contact & the opportunity to apply for a loan modification plan. More time has gone by now that I was given the wrong information & it will affect my loan modification eligibility. Also in the previous complaint response, I was told to submit a loss mitigation package, but no package was sent to me.
Product: Student loan

In XXXX XXXX I received a letter from the Department of Education saying my wages would be garnished for defaulted student loans that came from XXXX. In the almost 6 years I have been out of school I never received any letter from XXXX or the Department of Education stating I was not paying and my loans were going to collections. I was already paying my monthly fees to XXXX for Student loans along with Student loans to XXXX XXXX, they never made me aware that I had more loans that were n't being paid. Had Navient not been negligent, this would have never happened and my loans would not be currently sitting with a collections agency.
Product: Credit card or prepaid card

I have called Chase over and over. Right after signing up, I called a customer support representative and they affirmed that I signed up for the benefits I was looking for. This call was recorded. They said it does not matter and their escalation called based on XXXX single phone called provided no false information so there was nothing they would do. But what about all the other phone calls with contradictory info? They also said a benefits letter would be sent to me. Also recorded. This was not received. There were also other representatives that guaranteed that the benefits they spoke to me were absolutely there and I had nothing to worry about. They even went as far to say it was a recorded line as confidence towards me. Apparently what they said was a lie. There has been too many hours spent on the phone for an offer that some Chase employees said there was absolutely no other offer available but somehow I got another offer that apparently was not said offer. So which is it? The whole purpose of signing up for this card was the gas credit and the XXXX credit off XXXX. I drive far for work and this was the most enticing part. 

They even had the ego to tell me the offer I have now is much better than that. So if I spend XXXX and get XXXX XXXX back is somehow better than XXXX cash back off XXXX and 5 % on gas up to XXXX which is another XXXX. So spend XXXX and get XXXX or the offer they put and spend XXXX to get the same XXXX. How insulting can they be? So what is going on here? Multiple representatives on phone calls that have been recorded. Where was this policy changed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spoken with   XXXX   by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA   XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  DE  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry Date :   XXXX   XXXX   XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2022
Product: Student loan

The numbers on my loan do not add up, and I have contacted the Fedloan Servicing Ombudsman and made multiple attempts to work with FedLoan Servicing Directly. 

For example one of my loans states the following. 
Original Balance : {$22000.00} Unpaid Interest : {$1900.00} Current Balance : {$27000.00} ( The balance based on the Original Balance and Unpaid Interest should be {$24000.00} not {$27000.00}. ( Where did this additional {$3000.00} charge come from? ) There are numerous unexplained charges like this. Approximately a year ago my balance was {$150000.00} then it went to {$180000.00} without any actual explanation. 

All this documentation is attached to the complaint. 
I have made all monthly payments, and will continue to do so, but I do not understand how FedLoan Servicing, is racking up phantom charges and interest. I fully intend to pay what is owed, and what I borrowed for school, but there is currently about {$40000.00} of unexplained charges, which interest is being applied to. 

I would appreciate any help CFPB could provide me to ensure that these balances are correct. 

XXXX XXXX
Product: Mortgage

Due to the Covid pandemic, PNC and other banks were offering a 90 day forbearance, with the possibility to extend up to 180 days. On XX/XX/XXXX, due to the fact I was not working, and collecting unemployment, I applied for the 3 month forbearance. The girl I spoke to on the phone told me to fill out the online application, which I did. They were supposed to send you a confirmation in the mail which I never received. I called to see what was going on with my application on XX/XX/XXXX, and spoke to XXXX XXXX, and he said he was reapplying for me, and going to route it to the people that will take care of it, and to call back to make sure. When I called back, I spoke to XXXX who told me it was still processing, and she will put in for 2 more months for me. That would be 5 months up until XXXX, and I told her that would be good because I may be going back to work in XXXX. It was very clear on that phone conversation that's when it was for. I got late bills, and when I called the line of credit department, they submitted a complaint. The woman in the complaint department said it was only for 1 month in XXXX that I was offered, which is not true. It's even online for 90 days, and I'm sure 90 days was the law. When I asked to listen to my phone conversations, she said I couldn't. Now I am 2 months late, with another payment due this month, and I still am out of work. I do not understand why they keep telling me it was for 1 month, when I applied for 3 in the very beginning. I was told that on the very first day I applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Dept of XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX AND XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX 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.
Product: Money transfer, virtual currency, or money service

Someone sent me money and they reported my account as fraud and they closed my bank and XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ASTRA RECOVERY SERVICE is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with AD ASTRA RECOVERY SERVICE. This is a violation according to XXXX XXXX ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for XXXX XXXX XXXX XXXX to DELETE the negative item from my credit file, immediately I demand for AD ASTRA RECOVERY SERVICE to DELETE the negative item from my credit file, immediately. I requested for AD ASTRA RECOVERY SERVICE to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding AD ASTRA RECOVERY SERVICE to abide by the law.
Product: Bank account or service

My bank is refusing to refund the transactions listed below. These are fraud! They were not authorized by me and no point. When these transactions came to my account my bank even put a block on my card and called me about them. I told them I did not do no such transaction. I was then told my card would be canceled and I would need to dispute these transactions as fraud once the hit my account. I did just what I was told and now my bank is telling me that they are not fraud. How can that be? I have never had any dealings with this company nor have I ever received any products from this company. 
XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE $ XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BB & T XXXX XXXX PURCHASE {$4.00}
Product: Debt collection

Actions taken by me on XX/XX/2017 Wrote Company a letter - no response - They have now turned over to collection agency.

Getting calls & letters.

The company also called my parents regarding this account.

Attached copies of letter from me. And copy of letter from collection agency Thank you, XXXX XXXX