23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Attached please find correspondence between XXXX XXXXXXXX XXXX  and Fiserv/FirstData and its representatives. 

In my initial call with with a FiServ rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store. There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. 

As you can see from the attached correspondence, one of the financial institutions company ( referenced as an aggregate entity of FirstData/XXXX  as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I received confirmation of cancellation on XX/XX/XXXX from FiServ Service Specialist Team from the Fiserv domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my business account. 

I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account who were emailed would reply in a timely manner. Review of their email messages will show you that they did not respond - EVER. Several attempts from my XXXX/XXXX  branch partners to FiServ via phone and email have also not garnered any response. 

I believe that FirstData is in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as well as XXXX/XXXX as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( FiServ ), particularly those that interface directly with customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

They keep calling my Job and harassing me about making a payment. I would like for them to stop calling my job and on a emergency line at that. I will pay the money when i get it and they can call my phone would be better.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$2700.00}
Product: Checking or savings account

On XX/XX/XXXX XXXX I deposited my husbands IRS refund check to an account I opened. Before opening my account I asked if I was able to make that deposit and they said yes just that my husband had to endorse it to me, which he did. The deposit was successful just that it was going to be on hold for a couple of days like with any other bank. Just for my surprise that a couple days later I got an email stating my account was restricted due to fraud and then closed a bit after because they werent able to verify my husband with his phone number. Everytime I would call to the fraud department they would tell me to do different things, which I did all but still was helpless because at the end they said the only thing for funds to be released is for him to be verified with his number. We tried everything. We even separated his line from my account and now the bills and account are under his name but according to chase fraud department, his name doesnt appear. We did file a claim with the IRS, because thats one thing they had told us to do but IRS replied that the check was cashed and the bank did not want to return the money. Weve been going through a financial harm due to that money being withheld, all I need for Chase is to accept the 2 types of ID and phone bill from my husband so he can identify his self.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been noncompliant and has failed to comply since XX/XX/XXXX, XX/XX/XXXX. They have received each letter and have chosen to disobey the law and not respond in 3 months.By law they're suppose to respond in time, which they haven't and the items I disputed need to be DELETED ASAP. Experian you have had more than enough time and I don't want any generic response or that you will investigate in " 60 DAYS ''. You no longer have that privilege nor right since you have violated mines. PLEASE REMOVE AND DELETE EACH ACCOUNT I HAVE DISPUTED .Under federal law, you had thirty ( 30 ) days to complete your investigation. I WILL BE GOING TO THE XXXX AND FILING A LAWSUIT IF THIS ISN'T CORRECTED ASAP. I'M XXXX XXXX XXXX!!!
Product: Student loan

When I first applied for enrollment in ( XXXX XXXX XXXX XXXX XXXX ) at the time of XXXX  they had me take a test and I failed the 1 st time then they called me back the same day and said I missed passing the test by 1 Answer so the lady at the time gave me the Answer to pass me. Now that they passed me I was able to attend the XXXX  and I completed the course within the year. I was promised help and resources landing a job as a XXXX XXXX unfortunately they under delivered. After about 3 months of me XXXX  trying to land my dream job no success. In the process I was told how are XXXX  money was spent on staff vacations, bonuses, trips and other expenses. Besides helping us Alumni. Overall what I asking is the my school loan be expunged. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The keep calling from 20 different phone numbers and hanging up, its Midland Credit. I dont owe them anything and they are harassing me with robo calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending out letters out since XX/XX/XXXX. The last letter was sent out on XX/XX/XXXX. I have either not had a response or they tell me they have investigated my issue with the company and then states that it meets FCRA regulations. In my letters I state that a company was reporting inaccurate information on my credit report. It reports different account numbers, date last active, date opened, and also reports past due on accounts that it should not. From my understanding if one company is reporting to the bureaus it should have the sent the same information on all three bureaus. The only thing that was changed was a re aged or update on my account and I was ignored. This situation is hurting my credit score.
Product: Debt collection

Debt was paid in full with original Creditor for {$660.00} in XXXX of 2020. Debt was wrongfully put on my credit report as a collection and needs to be taken off by collections agency immediately. This has been fraudulently added to my credit report and is damaging my credit.
Product: Credit card

FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT
Product: Credit card or prepaid card

I have had money stolen from this CASH APP CARD by these XXXX - XXXX XXXX  XXXX people who are HACKER TEAMS that have set up business vto steal from XXXX XXXX Now the 1st card # XXXX Stole {$140.00} and I reported it to CASH APP and nothing was done I demanded a new card they refused and gave me the run around.. 
Next card I had over 4 refunds and transactions stolen before I could get it I have DEMANDED a card replacement I was refused I sent letters into CASH APP demanding my money back and to do an investigation and I DEMANDED A NEW CARD I WAS REFUSED I DEMAND MY MONEY BACK CASH APP and others are aware of these XXXX - XXXX XXXX XXXXXXXX Hackers Teams and Business popping up and stealing the living man and woman 's credit cards, banking accounts SSN, and Business that are online based, the 2nd card numbers are # XXXX I have never got my money I lost card and they CASH APP has refused to send me a card
Product: Student loan

My fedaral loan servicer is nelnet. I have paid {$1500.00} on XXXX XXXX. The payment should have been posted on XXXX XXXX. Today is XXXX XXXX and it still have not been posted and shows payment is processing. 

In the meantime I am getting interest accurated on the previous amount. This is violation of their payment processing policy. 

Not only me, a lot of other people are being cheated out of giving more interest. Please check out how they are making borrower 's pay more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which I recently obtained and noticed that there are several inaccuracies and discrepancies on it. Specifically, I have identified the following negative information that requires your immediate attention and correction : The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

The personal information listed in my report is incorrect, particularly the account number and previous address of XXXX XXXX XXXX XXXX, SC XXXX in XX/XX/XXXX. This address is not correct, and I am requesting that it be deleted immediately from my credit report. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX XXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

There is an account listed under XXXX - XXXXXXXX XXXX with the account number of XXXX. I am requesting that you verify the payment status, balance, comments, payment history and account number, as they may be incorrect. If any discrepancies are found, please fix or delete this account from my report completely. 

I would appreciate it if you could investigate these issues and make the necessary corrections to my credit report as soon as possible. I am actively working on improving my credit score, and these inaccuracies are hindering my progress. Please let me know once these issues have been addressed and resolved. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have my loan with Ditech and placed my loan on a special plan due to being affected by Hurricane XXXX. I 've received 6 collection calls, within the timeframe I was given for repayment ( before my modified payment was late ), and calls came at all hours of the day and night -- very very early Saturday morning, late Monday evening, etc. 

What 's more is they introduced themselves as a rep from Ditech and immediately proceeded to ask me for my social security number and to verify my phone number ( which they called me on ), and became rude when I refused to give my social security number. They called from this phone number : XXXX XXXX XXXX XXXX, which is different from the Ditech phone number.
Product: Credit reporting or other personal consumer reports

XXXX To Whom It May Concern : Pursuant t

o : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all authorization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802. I am rescinding authorization ; effective immediately and indefinitely. Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805. The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ). Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her ri
ghts as the debtor in this consumer credit contract against creditor for the unfair and deceptive trade practices stated herein as no contract after the date of XX/XX/, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX calls me daily even though I have never had a loan with them in order to try to collect a debt. They have told me my phone number must be mistakenly associated with someone else 's account and I have asked them to stop calling me ; however, they will not. One employee said they would put me on their do not call list. The next employee I talked to said there is no such list, but would forward my request onto a supervisor. I asked if I could speak to a supervisor, but was told there wasn't one available. This company is harassing me for no reason and is refusing to stop. This is my second complaint against them ; they did not respond to the first one and continuing to call me daily and then tell me there is no reason for me to be upset when I call them when they refuse to stop harassing me. Please help me!
Product: Debt collection

Cbw/creditfresh invalid information reported information to a third party which was unauthorized
Product: Credit reporting or other personal consumer reports

On numerous occasions I have contacted all 3 credit bureaus regarding them reporting a public record on my consumer report. After each dispute they return that the court in which the public record is being recorded has validated the account which is incorrect. I have personally contacted the local court and they have sent me proof that they do not nor have ever validated this information.
Product: Payday loan, title loan, or personal loan

I no longer have possession of car. Car was towed in 2008. The bank informs me that I can not close it because I owe them for the loan of the car. I wish to close my bank account.
Product: Credit reporting or other personal consumer reports

Heres the revised letter addressed to TransUnion : -- - **TransUnion** XXXX XXXX XXXX XXXX, PA XXXX Subject : Immediate Removal of Fraudulent Collection Account from Credit Report To Whom It May Concern, I am writing to dispute the results of your recent investigation regarding a fraudulent collection account on my credit report. The account in question, reported by XXXXXXXX XXXX XXXX, is not mine and the conclusion that it is accurate is **false**. I am a victim of identity theft and demand that this fraudulent account be removed from my credit report **as soon as possible**. 

I have never conducted any business with XXXX XXXX XXXX or the original creditor associated with this account. Additionally, I have filed a police report with the XXXX XXXX XXXX XXXX to document the identity theft : - **Police Report Number** : XXXX - **Officer in Charge** : XXXX. XXXX ( # XXXX ) This fraudulent account was placed on my credit report without any prior communication from the original creditor. Moreover, I was contacted by XXXX XXXX  XXXX representatives, who unlawfully threatened legal action if I did not pay this debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d.

As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand the **immediate removal** of this account from my credit report. You are required to ensure that only accurate and verifiable information appears on my credit report, and this account is clearly fraudulent. I expect written confirmation of its deletion within 30 days of receiving this letter. 

If this matter is not resolved promptly, I will have no choice but to escalate the issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking all available legal remedies. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

I submitted a loss mit application XX/XX/2018 and submitted all documentation. I was then called almost a month later stating they never received any documentation and to resubmitted an application. When I resubmitted the application it was never submitted to the underwriter. I was never told that they wouldnt submit it. I was told there was no sale date. There is no notice of sale filed with the county.
Product: Debt collection

On XX/XX/2022 I received a letter informing me of a medical debt I owed. I called Remex Inc and explained I could not afford the debt. I made a partial payment and was told ( on a recorded line ) that I would receive a phone call/s when the next payment would be do. I did not set up an automatic payment because I was afraid I wouldn't have the money available. A representative, on XX/XX/2022 said there was a phone call made on XX/XX/2022 at XXXX, however there is no record of that call or voicemail received. This debt is now on my credit report after I have shown that I am attempting to, and have paid some of this debt. I asked for a statement saying that the debt will be taken off my credit report, but I was told it's company policy that a letter will not be sent out. I was already lied to over the phone, and lied to about receiving a call, so I do not trust that the debt will be removed form my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I applied for a consumer credit card with Capital One. My application was denied due to " pending litigation. '' There is no indication of any litigation on any of my credit reports from XXXX, XXXX, or XXXX. On Capital One 's denial letter, there is no indication of where they obtained their information of " pending litigation. '' I called Capital One about this matter and asked where they got this information. They would not tell me. I believe this to be a blatant disregard of the Fair Credit Reporting Act.
Product: Debt collection

I have requested for the company to send me a copy of original contract bearing my signature to validate that I am legally liable for the debt. On XX/XX/2018 I fax the company IC SYSTEM, a validation of debt. I have not received any responds from I C SYSTEM, they continue to report the credit agency. This a clear violation of The Fair Debt Collection Practice Act. The company had 30 days to validate the debt.
Product: Debt collection

This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers.
Product: Money transfer, virtual currency, or money service

I did a transfer from my account in the US to an account in XXXX. Before doing the transaction, I called Citibank and asked how to transfer the funds in US Dollars, without converting the funds, as the website was not allowing me to do it. 
The told me that as long as I add special instructions as part of the transaction, that would not be a problem. 
I did exactly what I was told, and they exchanged the funds into Euros. Because of their lack of competitive rate exchange, I lost about {$5000.00}. 
They need to look into their call records, where I clearly followed their steps to do it without exchanging the funds. And I have proof of the special instructions in the digital transaction.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 COMPANY VIOLATED MY CONSUMER RIGHTS UNDER 15 U.S. 1601,1602, 1605