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

Previous complaint closed without resolution. Initially I filed a complaint against California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for fraudulently filing my XX/XX/2017 income tax return. These returns were filed without a CA check cashing employee asking for or requesting consumer deductions, without disclosures of fee ( s ) and without a signed authorization. I am still unsure if the funds have been processed and received.

Upon company 's response ( blatantly telling lies about consumer signing consent ) CFBP closed the case. I have completed feedback that there is NO resolution for this closed case file. It appears to me that it is simple to address this issue for me. I did not authorize verbally or with a signature for this company to file my income taxes. They state that I signed authorization. To see the truth, the company simply need to supply that signature, which I know that they don't have. 

This is not about customer service, this is about a consumer being robbed of her hard earned money. This complaint is being filed because California Check Cashing Stores knowingly gave false information to the CFPB regarding complaint filed. Someone should and need to be held accountable so that other unknowing customers are not duked into services by California Check Cashers. Plus, I want my money, can you at least assist with that. Should CA check cashers pay for fees associated with unlawfully filing of income tax return? Should CA check cashers have the authority to use unauthorized accounts? Are they not held responsible for the actions of its employees? Please assist with the next step of this nightmare.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain information from my file. The items I deleted are listed in the attached report. I did not authorize these actions. 
I have reported the unauthorized use of my identity to the Federal Trade Commission ( FTC ), and other relevant documents. 
Please remove these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.
Product: Credit card

I paid with PayPal to buy a camera. The seller received the payment but did NOT send me the camera. I disputed with PayPal, dispute case # XXXX XXXX 
After I also disputed with XXXX  XXXX XXXX, PayPal refused to further investigate to refund my money. PayPal refused to take responsibility to protect customers using PayPal
Product: Mortgage

I have a VA loan that was originated by Ross Mortgage Corporation in XX/XX/2018 and sold to XXXX. 

I requested a VA funding fee refund XX/XX/XXXX, was granted the request and the refund was processed by the VA. 

The VA confirmed that they sent a funding fee refund check to the originator of my loan, Ross Mortgage to be forwarded to the services of my loan and applied to my mortgage as a principal reduction. 

Ross Mortgage has not forwarded that {$6600.00} check to XXXX to be applied to my mortgage despite having it for nearly two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the three major credit reporting agencies XXXX, Experian and XXXX verify all information and entries on credit report file that I have disputed in whole. These reporting agencies never conduct a proper investigation into disputes. Per the FCRA and citing from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX 1996 ) case law, it is their obligation to fully investigate all disputes in full. Failure to do so properly shall result in information deleted from credit file.
Product: Mortgage

My wife and I purchased a cabin on XX/XX/XXXX and got a mortgage through a broker. The loan was immediately sold to New Rez and all of the escrows collected at closing were transferred as well. 

Due to the timing of the closing we were concerned that the bill for property taxes would make it's way to the mortgage company given the time it takes to update the county records. In an attempt to avoid a late payment of the property taxes which were due XX/XX/XXXX I called New Rez to explain the situation and give them the property tax bill and tried to ensure they would pay it. Below is a summary of the calls I have made to New Rez XX/XX/XXXX My initial call to New Rez, I explained to them my concerns about the property taxes being paid and the situation I described above. They informed me that it didn't look like our account was setup for escrow ( It was and we paid the initial balances at closing ), but that can sometimes take up to thirty days to show up in their system. They advised me to call back at the end of the month and send in the property tax bill. On XX/XX/XXXX I emailed them the property tax bill which the acknowledged receiving. 

XX/XX/XXXX I called New Rez to verify that our account did have an escrow and they confirmed they had an escrow account for both property taxes and insurance. They also confirmed again that they received the property tax bill that I sent them and that it was scheduled to be paid in one to two weeks. Note that I can also clearly see on my mortgage statements that there is an escrow account with a balance ( more than enough to pay the tax bill ) and a portion of my payment is going to fund the escrow account. 

XX/XX/XXXX I received a letter from the county that the property taxes had not been paid and that late fees and interest have been assessed. I called New Rez again, this time they seemed to be very puzzled and nobody had any clue on how to help me, they transferred me 4 times which lead to me being on the phone for 1 hour and 5 minutes before anyone would even talk to me. They assured me that the order was in to pay the taxes and that they would cover any late fees and interest. 

XX/XX/XXXX My wife called the county to see if the taxes had been paid, they have not. She then called New Rez where they again acknowledged that a ticket had been opened XX/XX/XXXX and that they had received the tax bill but the ticket was still open. Despite our efforts we have not been able to speak to anyone that seems to know anything about our escrow account or how the property taxes should get paid. Nor have we been able to talk to anyone who even has a hypothesis on why our taxes have not been paid. They re-assured us that they would get paid and that New Rez would cover any late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XXXX XXXX XXXX I paid off the total amount of {$1100.00} owed on my Citi credit card from my XXXX bank account. On XXXX XXXX XXXX {$1100.00} was taken from my XXXX account to pay the Citi Credit Card. As of XXXX XXXX XXXX the {$1100.00} is still NOT showing up as paid on my Citi Credit Card.
Product: Debt collection

1. Representative did not verify with me the information they have on file.

2. They refused to tell me WHO they were calling 3. Told me they would not look anything up until I have them my social security.

4. When I refused their fact-finding tone turned to abrasive ness 5. I told them that if they didnt verify what they were calling about I would consider their calls fraudulent.

6. Call from XXXX & XXXX ( XXXX XXXX FL area code where I have family ) Credence Resource Management 7. Its a call center in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage ( Loan # XXXX ) is on forbearance with the servicing company XXXX. XXXX sold the mortgage to XXXX.I was reported delinquent 30 to 60 days delinquent to all three credit bureaus on and around XX/XX/2020. I immediately contacted XXXX to request a correction to the credit bureau reporting. As of XX/XX/2020, it is still being reported delinquent and is affecting a job offer I have from a financial services firm. 

In addition to this, calls to various customer service phone numbers revealed that I had been billed late fees while on forbearance, changes I requested to my mailing address were incorrect, and four requests to process two {$700.00} payments to my mortgage. 

Below is a sampling of my communication with the XXXX customer service representatives and manager in recent weeks. 

Activity XX/XX/2020 Requested {$700.00} auto payment of {$700.00} withdrawn from my account. The agent informed me I had also been billed late fees during forbearance. I requested to have account escalated because of delinquent credit bureau reporting while on forbearance Agent ID XXXX Confirmation # XXXX Agent ID XXXX Webchat with XXXX-I requested with making a payment and the delinquent credit bureau reporting An email on XXXX to XXXX requesting correction to the delinquent credit bureau reporting. 

XX/XX/2020 Spoke with Agent ID XXXX and requested a payment of {$700.00} ( Confirmation # XXXX ) XX/XX/2020 XXXX, a manager in XXXX Call Center in Arizona called me from his cell phone in response to the request to speak with a manager earlier in the month. He informed me that I need to call the Loss Mitigation area and escalate it to a manager at XXXX. This is a number I dialed several times before and requested to speak to a manager. I had been repeatedly told no managers were available. 

XX/XX/2020 Spoke with Agent ID XXXX XXXX in Loss Mitigation who informed me no supervisor was available to speak to me and asked if it was XXXX fault that the account was reporting delinquent
Product: Debt collection

XXXX XXXX, unresolved # XXXX Wells Fargo account # XXXX, Wells Fargo employee, XXXX XXXX XXXX as the Research and Remediation Analyst, had been responding to my complaint with no more than just putting me off again, when he denied my request to get my named cleared on an account showing negative on my credit. He stated it will always be mine to share, I thought with your help, we could reopen this case, I have been waiting to figure out what to do next, after conversing with the court clerk, I thought I was include a copy of the divorce decree so you folks can see for yourself why I came out of my divorce thinking I had seen the last of this account. XXXX XXXX really did not seem interested in my providing any evidence, I believe his mind was made up well before he looked into my claim, if he even did, I previously sent Wells Fargo this information, some three years ago, no reaction, and XXXX XXXX told me the Fraud Dept of Wells Fargo would contact me to help move this along, it has been two weeks and no contact. In the divorce decree under Debt Allocation, Item 5 describes what my ex wife XXXX XXXX was responsible for, and sub heading D is her student loans, which apparently was the purpose of this loan, I had no idea what this loan was at the time, I just figured I was safe because of the description in heading # 7, Notice to Creditors which lists the laws in Utah pertaining to separation of Debts, XXXX XXXX was wrong, Wells Fargo needs to honor this order from Utah Courts since this is the State where this took place, please read and forward this to XXXX XXXX. I never was confronted or contacted by Wells Fargo, I had no idea about this loan until she defaulted and it came up on my credit. I think it is pretty clear that the Court and the Judge here wanted to protect me from debts I had no idea about. The Court Clerk will help me file suit against XXXX XXXX and Wells Fargo if this order is not honored, they also go further to explain if this needs a court room to decide this, Wells Fargo will not have a case and in fact will be required by Utah Law to pay a hefty settlement. All I ask is they take another look, try to understand what I am trying to say, otherwise it just costs us all time and money, and will result in Wells Fargo removing my name from the contract and eliminating my name from the negative credit report, this order trumps over the contract my Ex wife signed with them many years ago without my knowledge, this seems so simple to me, why are they making it hard, I have NO responsibility paying back this debt, and the Courts here in Utah agree. I need to hear back from them ASAP, or the Courts has ordered me to file a " Order to Show Cause '' against Wells Fargo which in the very first hearing they will have spent more than this any benefit this bad account will net them, and at the very least with this court order, they should require my Ex wife XXXX XXXX to refinance this account into her name only, Thanks again for the help, I will be waiting to hear back, Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and notices inaccuracies and/or incomplete information. According to The Fair Credit Reporting Act section 611 ( 5 ) ( A ), they must DELETE any inaccurate or complete information that can not be verified.
Product: Debt collection

Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again with
out my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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: Debt collection

all medical bills were paid in XXXX by medicaid and medicare company keep changing account number to get it back on credit report and puts the open date to hide that they are reposing back on credit report as XXXX or XXXX
Product: Debt collection

I reached out to Chase Bank on XX/XX/20 and attempted to settle an outstanding debt. After agreeing to a settlement amount, I was asked if I would like to pay over the phone. I instructed the representative that I would not and instead would like to pay via a check. I was then told that Chase already has my bank account information, and I agreed to pay over the phone. I then responded that I agree to the settlement amount but not to pay over the phone. I then responded that I would pay the amount via money order. The representative then told me that my settlement agreement might not arrive on time as it was coming from The US postal service and that I would not know where to send the settlement if I chose not to pay over the phone. I then responded that I have the right to pay via money order and that If it's through the US postal service, I should receive the letter. This is a case of misinformation and harassment to get me to pay via my checking account over the phone, which I said I was not comfortable doing. After this exchange, the representative said he could no longer hear me. He wished me a good day and hung up. I called chase back and had my bank account removed from their system and had their team confirm where my payments should be sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been notified by the US Court Bankruptcy was filed and all the accounts listed were included in discharge- XXXX has Affirm accounts still open and not closed and XXXX out as the law requires. 
They sent a email saying the are updating nothing it remains/ this is illegal- clearly they were all informed
Product: Debt collection

Hello, We are contacting you regarding an issue we are experiencing with XXXX XXXX and Monterey Financial Services. XXXX XXXX forfeited our timeshare ownership, and we called and confirmed that our account was foreclosed in XXXX of XXXX. It is now XXXX, and Monterey Financial Services has notified us that they now have the account in collections. How can they legally collect when the timeshare told us our account was foreclosed? Also, why did they not try to collect when our account was active, until waiting months to put us on notice that they now are trying to collect on the total amount. Something is amiss here, and we need someone to look into this for us. Please assist us in this endeavor so we can resolve this once and for all. 
Regards, XXXX and XXXX XXXX
Product: Checking or savings account

Follow-up to filed complaint XXXX. A BOA rep called from number ( XXXX ) that doesn't except phone calls but finally was able to answer phone today XX/XX/2023 at approximately XXXX. XXXX the BOA rep says the account was opened by someone who lived at that address and was unable to confirm even though I provided prior owners name. XXXX said account has been closed but was unable to provide closing date and would be normal for me to keep getting statements on a closed account - XXXX was refusing to cease and desists, and remove my address from the account.
Product: Bank account or service

A charge was placed to my Bank of America account which overdrafted the account. I was not notified of the negative account status, nor the fee that was then applied. I have called in multiple times for this exact issue, each time being told it was now fixed and I would be notified. I have a history of texts showing Bank of America notified my when my account is negative, but this time Bank of America refused to do so and charged me {$35.00} for it. I have never opted-in to overdraft protection, if anything, I have repeatedly requested to not allow my account to be overdrafted.
Product: Debt collection

There is a file claim on this debt Proof that the net belong to this company