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

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX/XXXX-XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Product: Debt collection

Hi, I found a collection debt on XXXX XXXX and wanted to pay it off. I 've called the collection company twice now to ask for the bill, so I may pay the debt. The XXXX person I talked to said she will send via mail and the XXXX person I spoke to said they 'll have to figure it out and that the XXXX person should n't have told me they would send a bill. I am not sure why they are withholding the bill but I would like this off my record as soon as possible. It has been a month since my first contact with them. How do I pay this off?
Product: Mortgage

1. Lender : Cardinal Financial Mortgage balance from refi XX/XX/2022 XXXX. XXXX Payment made to XXXX as XXXX. 3. Cardinal Financial Changed Servicers to XXXX, debtors NOT notified, so continued in XXXX, XXXX and XX/XX/2022 to pay Shellpoint. XXXX. XXXX wired funds to Cardinal ( new servicer XXXX ) for XXXX, XXXX and XXXX payments. 5. Cardinal has been informed multiple times by phone and email of the above. 6. Cardinal has failed to apply debtors payments to it's account. 7. All Payments have been made on time by debtors by electronic bank transfer. 8. Cardinal has reported debtors to credit agencies with late payments, but no payments were made late by debtors. 9. Cardinal has received proof of payment by bank debit screen shots, wire numbers, proof of payment documents from XXXX XXXX XXXX, and most recently by XXXX account statements. 10. Cardinal has spent more than two months " researching '' this issue, but as late as last week, continues to insist it does not have our payments applied to our loan account. 11. Debtor has spent multiple hours on the phone and online with Cardinal attempting to verify the payments were made. Last week, debtor 's bank, XXXX XXXX, attempted a call to Cardinal but Cardinal would not agree to XXXX XXXX recording the call, so I was unable to have my bank speak with the mortgage company with me on the phone. 12. Cardinal 's research department continues to send me emails which ignore the fact they received three federal wires from their own previous servicer, XXXX, on this account. 13. On XX/XX/XXXX, I sent them an account statement from XXXX showing these wires with tracer numbers. Customer service agents for Cardinal told me repeatedly that Cardinal ( Dovenmuehle ) needed time to research and then reconcile the payments from XXXX, but the " Research Department '' has not been able to find the payments from their own previous servicer for more than two months. 14. Debtors ' online payment history with Cardinal does not reflect payments made by debtors and received by XXXX ( servicer ) for Cardinal ( lender ). 14. Both debtors want their credit reports immediately corrected by removal of the false statements about late payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a letter from Trans Union which I am downloading ( see attachment ), on XX/XX/2023, I contacted Trans Union after numerous attempts i finally ask for supervisor, and he stated that this letter was generated in error. Later on, on the evening of XXXX 2023, I received a encrypted email from Trans Union which I could no open. So on XX/XX/2023, I contacted Trans Union again, three time today XX/XX/2023, and each time I was met with great opposition and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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: Checking or savings account

At XXXX on XX/XX/23, my car was broken in to and my wallet containing my Ameris Bank Business Debit Card was stolen. The theft was captured on camera and I have the footage. I also have a police report and investigation attesting to the theft. At XXXX on XX/XX/23, my Ameris Bank Business Debit card was used to make a fraudulent transaction of {$670.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX I am enrolled in text alerts from Ameris Bank and I was not notified of this fraudulent transaction via text message. At XXXX on XX/XX/23, my Ameris Bank Business Debit card was used to make a fraudulent transaction of {$1300.00} at XXXX XXXX at XXXX XXXX XXXX Ameris Bank sent me a text alert about this transaction at XXXX and I responded immediately to report this as fraud by XXXX. I have these screenshots. Both transactions total to {$1900.00} of fraudulent activity. On XX/XX/23 at XXXX I called Ameris Bank 's national hotline to freeze this card, report the card as stolen and report these two fraudulent transactions. Ameris Bank conducted an investigation of these transactions and on XX/XX/23, I received a letter informing me that these transactions are not covered by the Electronic Fund Transfer Act and Ameris Bank will not return the {$1900.00}. I believe my maximum consumer liability should be a maximum of {$50.00} according to the Electronic Fund Transfer Act because I notified Ameris Bank within two business days after learning of loss or theft. I also requested copies of the documents Ameris Bank relied on to make their determination on XX/XX/23 but I have not received them.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Pro Collect. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I have an account negatively reporting on my credit report that XXXX XXXX has proven is not mine! I filed a compliant last month regarding this issue requesting VALIDATION. The response confirmed the false information by citing a completely different account number than the one referenced in my compliant.
Product: Credit card or prepaid card

Hello, I'm sorry I can't remember the dates but I had a credit card from the Bank of Omaha. I had other credit cards from other companies also, my credit was great at 800+. I had received checks from BoO saying I could use them and the interest would not start for 6 months and then it would be a very low-interest rate. My HVAC went out and I had to have a unit. I used one of the checks and then the bill came in. They had added it to my account at the regular interest rate. This made my minimum payment skyrocket. For this card alone, my minimum payment was {$250.00}. I only had Social Security and before this, I managed to pay over the minimum for all my cards. I called and spoke with the company and they denied that the checks they had sent said this. At this time, I had more checks and proof that it did indeed say that. I no longer have these. 

I couldn't make my payments and I didn't know what to do. I contacted all my credit cards and all of them except BoO and XXXX agreed that I could make a lower payment and get caught up. But considering that BoO and XXXX wouldn't let me do this, I still couldn't make my payments. A company called me and said they could help me and get all my cards paid off in four years. Well, that didn't work out as they were going to keep the money I sent in every month and then " make a deal '' with all the credit card companies. 

A few years later BoO sued me, and the court date was put off due to COVID, It was re-set, and then it was canceled again. I had no idea when my court date was then. Then I got a letter from BoO and they had put a lien on my house because I hadn't shown up in court. How could I when I had no idea when it was? I had previously called the Attorneys that were listed on the paper and never got an answer no matter when I called. 

This whole problem, ruining my credit and all the rest was their fault for sending me checks and offering me promotional rates that I never received. Then taking me to court and did not let me know the date to show up. 

Now, my credit is ruined, and only recently did I get another Credit card. XXXX XXXX took a chance on me and I'm back to paying my cards as agreed even though the APR is astronomical. I pay more than the minimum every month. I could have paid off the cards that I had then if only BoO and XXXX would have given me the chance. 

Sincerely, XXXX XXXX
Product: Debt collection

I signed up for a gym membership with XXXX XXXX and thought I signed up for a 12 month membership and found out later it was a 24 month membership. Subsequently, I had to return to XXXX to care for my mother who was having XXXX XXXX issues. I attempted to cancel my contract as I was moving out of the country and to my knowledge there are no XXXX XXXX in XXXX XXXX. I was told that I can not cancel my contract and would be responsible for the entire contract balance. <P/>The account is now with mgc and the balance continues to increase and I can not figure out why. This is criminal that mgc continues to tack on fees and additional charges to my account and currently I have a balance of {$500.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX Acct # : XXXX Dear XXXX XXXX XXXX XXXX I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) Late payment dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that timely payments are crucial in maintaining a good credit score and a positive relationship with your company. Unfortunately, due to unforeseen circumstances, I have fallen behind on my payments. My grandmother whom lived in New Jersey passed away during the duration of missing payments listed above in XX/XX/XXXX. Also, when I finally returned to work months later XX/XX/XXXX, I was laid off collectively with my whole department of company. As a result of being laid off I fell behind on my lease having to pay multiple late fees associated with being late. 

I want to assure you that I am taking the necessary steps to improve my financial situation and ensure that I make timely payments going forward. I have setup automatic payments to ensure that I do not miss any future payments, and I am working on a budget to better manage my expenses. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration on this matter. I look forward to hearing back something positive. 

Regards
Product: Credit card

I have used PayPal for years, with my charges being deducted from my bank account. I enjoy the convenience of PayPal while shopping online without having to enter my credit card number for each transaction. 
Earlier this year I began receiving emails saying I owe PayPay Credit money. I never knowingly applied for credit with PayPal. I called right away and settled the account, asked it to be closed, and also asked how I ended up with a credit line from them. They were unable to provide a good explanation on how the account was open. 
I have since received more emails saying I owe an additional balance. I assumed it was an error until I received a collection call today. The collectors were rude and demanding. It turns out that I did make purchases that I thought would be coming out of my bank account, as they had before, but instead ended up on a credit line that I had previously closed. I settled the amount of my original charges after finally getting the collector to waive late fees and finance charges. My biggest concern ( besides getting called at work on an account that should never have existed ) is that I still do not know how I ended up with a PayPal credit line, and that others may end up in the same situation. I am responsible enough with my debts to know what I owe and what I do n't. My fear is that others who are less diligent will have accounts open and accrue late charges and interest without ever meaning to. In my opinion PayPal credit was deceptive, if not fraudulent, in how I got a line of credit in the first place. Practices such as this should not be allowed. Now I ca n't use the convenience of PayPal for fear that the charges will again end up as a debt instead of coming out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like you to help me remove the inaccurate items on my credit file that came about because of a FRAUD yet there are some items passed on that should be taken out. According to FCRA 605 you should be remove any records which are inaccurate on my file. I've proactively remembered this report for a past letter and I am including it once more. The following fraudulent items needs to be remove : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with XXXX and Transunion. XXXX removed it but XXXX and Transunion refused to.
Product: Vehicle loan or lease

I have reached out to Wells Fargo several times my credit has been heavily impacted also a lot of fees late charges on my auto loan and bank account over draft
Product: Mortgage

This is follow on to Complaint XXXX. 
Loan Depot 's response includes factually incorrect information regarding their response to my complaint. As you can see in the attached letter to the XXXX XXXX XXXX, they DID refund the {$1000.00} dollars they paid to reinstate my policy in order to receive notification from the insurer that my policy did not have a lapse in coverage during the XX/XX/XXXX to XX/XX/XXXX period. This is a legalistic fallacy, as I'm 100 % certain that had any claim been made during that year, when my policy was in fact NOT in effect, the insurer would have denied the claim for lack of payment. That aside, I have difficulty understanding why they would tell one thing to the XXXX, and the exact opposite to the CFPB. In addition, part of the supporting documentation they sent to CFPB is for some other person at some other address and completely irrelevant to me or my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a certified letter to Equifax Information Services at XXXX XXXX XXXX, XXXX, Georgia XXXX. The letter was in regards to an incorrect late payment reported on my Equifax credit report. 

The disputed account name on my Equifax credit report is " XXXX XXXX XXXX '' The account number is XXXX. 
The disputed payment is dated " XX/XX/2022 '' I have never been late on any payment. I have provided a copy of my letter to Equifax. I have also provided a copy of my XXXX credit report showing this payment was made on time. I have also been denied credit offers due to this error being reported on my Equifax credit report. 

As of today, I have yet to receive any response to my dispute letter. Equifax has taken well beyond 30 days to complete their investigation, and they've violated my rights as a consumer. 

Here is my certified XXXX tracking number : XXXX
Product: Credit reporting

So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.
Product: Vehicle loan or lease

I had my payments set up to automatically come out of my checking account for my lease through GM Financial. After the lease was paid off and the account was closed the continued to take payments out of my account. When I called to inquire about it they were extremely rude to me and refused to tell me when I would get my money back and then hung up on me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) in regards to inadequate customer service and unfair practices. They violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress due to these violations. My first account was closed and a second account was made.
Product: Mortgage

On XXXX XXXX, I received notification my mortgage service was going to be transferred to Mr . I also received a letter from MR. Cooper stating the service of my Mortgage was transferred from Seterus to Mr. Cooper effective XX/XX/XXXX and the monthly payment due was noted as {$940.00}. 
I typically make my payments a few days before due date and the payment for XXXX was made via auto draft on XX/XX/XXXX. The auto-draft for Seterus has continued since then. 

Not only has Seterus continued to draft the monthly payment, but Mr. Cooper also started a monthly draft for the amount of {$1000.00} for XXXX and XXXX and {$1000.00} for XXXX. This problem has resulted on a catastrophic financial burden on my part for having to make double monthly mortgage payments one to Seterus and another to Mr. Cooper. 

I understand that Mr. Cooper bough Seterus, so I have no way to reach out to Seterus to request they stop drafting a monthly payment. I would like to get help from the CFBP on understanding my rights and the next steps to resolve the problem.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} and list of Inquiries. 


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 card or prepaid card

The problem is they AMEX closed the account at there on will, but the balance is still owed I am paying it and have not missed a payment. So I still have an account with them and they are using illegal tactics by still recieving the payment and sending it to collection while still recieving the payment.