23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Credit reporting or other personal consumer reports

Loan # : XXXX my car loan has been reporting late even after the company was paid XXXX dollars so I asked for the payment history and it doesn't match what's on the check they were given. I believe I should be ahead on my loan not behind
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against XXXX XXXX XXXX XXXX XXXX I have an open investigation with XXXX XXXX XXXX XXXX XXXX who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!
Product: Money transfer, virtual currency, or money service

I have been locked out of my account for almost 2 months now. I am unable to reach anyone to resolve this issue. I need access to my account to get transaction information so that I can file my taxes. I have called the customer service number repeatedly. They take down my information and then tell me my request has been escalated. However, the service people say that they have no information on the status of the issue and can only communicate with the technical support staff via email.

I have also emailed numerous times. Now, they no longer respond to emails, but refer you to an application where you can submit your service request. When I access that, I need to be able to access my account to submit my request to get the problem resolved ... .so it is a dead e

nd. I got an email response from a guy abo ut 2 weeks ago, saying he was sorry for the slow response and he would immediately address my issue. However, nothing has come of that and he does not respond to further requests for help. Again, at a minimum I need an acco unt transaction summary for XX/XX/XXXX... I can not file my federal taxes without it. I have contacted the Company both in writing ( email ) and by phone on the following dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - no action to date
Product: Debt collection

Opened : XX/XX/2019 ( 3 mos ) Account status : Open Type -- Responsibility : Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX {$1000.00} Reported balance. 


Theres two collections of the same amount. I went through XXXX to dispute the accounts but no change. Then I recieved a letter of medical fraud taken place on my information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted XXXX XXXX  documents to TransUnion and as of today, they have not blocked nor addressed my documents. Furthermore, they state they have lost my data and have 'blacklisted ' me from uploading documents into their computer database. I am attaching all of the documents that I submitted to them and hope you can help them process my documents. 

Thank you, XXXX
Product: Checking or savings account

I opened a checking account with Bank of America, was using it and then XXXX day I couldnt log into my account anymore. They took my XXXX $ from me and said that my account was closed but wouldnt give me a reason or resolution to fix it.
Product: Credit reporting or other personal consumer reports

I have a credit building card through XXXXXXXX XXXX XXXX XXXXXXXX XXXX The XXXXXXXX XXXX building card is a pre-paid card that can only have a negative balance of a maximum of {$50.00}. On XX/XX/XXXX I transferred {$250.00} from my XXXX checking account to my credit builder card account. I paid a storage unit payment on XX/XX/XXXX for a total of {$200.00}. On XX/XX/XXXX I made multiple purchases through XXXX for {$50.00}. At this point, my XXXX XXXX account had a negative balance of less than {$1.00}. On XX/XX/XXXX I received an email from XXXX XXXX that said my credit was impacted and my credit score went down. When I checked my XXXX XXXX account it showed that XXXX reported my credit builder account had a negative balance of - {$230.00}. After looking into my accounts I disputed the balance in XXXX XXXX. Today XX/XX/XXXX, I contacted XXXX to find out why my XXXX XXXX account reported a negative balance. They told me that it was how the credit agencies interpret XXXX  reports and i would have to dispute it with the credit agencies. I have since turned off my XXXX XXXX card with a balance of {$0.00}. I then XXXX  if anyone else had a similar problem with XXXX. I found that this problem has been happening for years and has yet to be corrected by anyone.
Product: Credit reporting or other personal consumer reports

I have been a victim of Human Trafficking/ Identity Theft as a result i have fraudulent account reporting on my credit
Product: Credit reporting or other personal consumer reports

In the report from XXXX and XXXX as well as Equifax All types of debts from car loans and bill collectors are on the bureaus and I want them off. A lot of Inquires as well are reporting on my credit reports. Totaling about XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 to XX/XX/XXXX, several unauthorized charges were made with the total of {$17000.00} which were posted to my account. These purchases were made in stores such as XXXX XXXX, XXXX, and XXXX XXXX in XXXX XXXX. I had reached out to my bank ( Bank of America ) and asked them to freeze the card and filed for credit card fraud. On XXXX XXXX XXXX Bank of America reissued my credit back into my card in its entirety. However, today XX/XX/, Bank of America reinstated some of the charges back into my credit card because " the purchases were made with a chip and verified by signature ''. Currently there are 3 outstanding charges, {$1200.00}, {$7000.00}, {$5800.00}. The bank stated that they felt these purchases were legitimate and that I would be expected to pay. They also stated that if I had felt that the charges were fraudulent, that I would have to go to the stores themselves and ask for proofs of purchase and see if the store can do anything on their end. I find it frustrating that I have to do the work for the bank, instead of the bank trying to protect one of their customers.
Product: Mortgage

Re : Specialized Loan Servicing Co., HELOC loan I am paying off a HELOC. The payoff statement that was sent to me is incorrect. The calculated interest due is incorrect. Specialized Loan Servicing is either unwilling or unable to fix the payoff  amount. I have spoken to several representatives who agree that the interest calculation is incorrect, but even after waiting two weeks, I have been unable to get them to send me a new payoff statement. 

Specifically, my Daily Per Diem Interest is 2.8892 %, times 45 days outstanding, = {$130.00} On my payoff statement, the amount is incorrectly calculated as {$180.00} NOTE : if they are incorrectly calculating my interest due they are likely incorrectly calculating other payoff statements as incorrect.
Product: Mortgage

Lets try this again. 

Lower Holding sold my Mortgage to XXXX. Instead of transferring two months of payments they transferred 1. I filed a cfpb complaint and Lower stated they had sent all the payments and XXXX verified it with me. Please find attached a print out of the email response from XXXX stating they have NOT received all the payments. Please find attached the screen shot from my bank showing Lower DID receive all the payments.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding TransUnion 's failure to properly investigate a dispute I submitted about an account with XXXX Bank listed on my credit report. Despite providing multiple pieces of supporting documentation proving inaccuracies in this account, TransUnion continues to verify the account as accurate. This action demonstrates a failure to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, TransUnion is required to conduct a reasonable investigation of consumer disputes ( XXXX XXXX. XXXX ). However, representatives from TransUnion have informed me that they rely solely on automated systems to verify disputed accounts rather than conducting a thorough, fair, and accurate investigation. This automated process fails to consider the evidence I provided, resulting in the repeated verification of inaccurate information. Additionally, TransUnion has violated its duty to ensure maximum possible accuracy in the information it reports ( XXXX XXXX. XXXX ( b ) ). By relying on automated processes instead of a meaningful investigation, TransUnion is reporting inaccurate information on my credit report, which has caused harm to my creditworthiness. 

Furthermore, under the FCRA ( XXXX XXXX. XXXX ), any creditor reporting information on a consumers credit report must have a permissible purpose. If XXXX XXXX  does not have a valid and lawful reason to report this account, its continued presence on my credit file constitutes another violation of my rights under the FCRA. 

I am requesting that this XXXX XXXX  account be permanently blocked and deleted from my credit report due to these violations. Additionally, I request that TransUnion provide a detailed explanation of the investigation process used to verify this account, including any communication with XXXX XXXX. This matter highlights serious non-compliance with federal law, and I urge the CFPB to investigate XXXX practices to protect consumers from further harm. 

I have attached supporting documentation to this complaint, including proof of inaccuracies in the account, records of my disputes, and summaries of my interactions with TransUnion representatives. XXXX failure to comply with its obligations under the FCRA has resulted in substantial harm, and I demand immediate corrective action.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Sent a Qualified Written Request and requested specific documents from servicer. Servicer has failed or refused to provide the specifically requested documents and must cease collection activity and unauthorized credit reporting. 

XX/XX/2023 Sent a Demand for Validation of Debt and requested specific documents from the servicer 's Attorney. They failed or refused to provide the specifically requested documents to validate the debt and must cease collection activity and unauthorized credit reporting.
Product: Credit card or prepaid card

I will keep submitting this case until the people whos behind PayPal credit pays for the scam they are doing with late fees to consumers like me. The whole problem that yall purposely create with the way we can pay or not our debts are a full fraud to consumers and a violation of federal law. My debt is with PayPal credit, if I want to pay using PayPal because thats the only way I want to do it yall are no one to interfere and limit the form of payments I can use. Ive already explained the problem that you, your company, and PayPal created to charge fraudulently late fees. 

You stated that the only way I can pay on my PayPal account is using an existing linked bank account, let me explain something that you probably arent aware, if thats the case, why PayPal credit have the option of adding a card or a bank on the payment section? 

Man, Im not a fool as you think. 

Im seeking for a whole erase of the late fees, if you, your company, and PayPal creates this whole mess, yall are suppose to stand because yall are in violation of federal law.

I will submit my proof of the matter as I always do to the state attorney, the local news, and I will send this story to the XXXX XXXX  as well. 

Your game is about to go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX about a XXXX  XXXX account on my credit report you have responded through the cfpb that the account doesn't exist on my credit report how could that be when I provided facts directly from my credit report? I do not believe that you did an investigation into this account you are now required to prove that you did an independent investigation and you didn't just parrot me. if you can't do that, this account needs to be removed. 

( complaint submitted on XX/XX/XXXX ) XXXX  XXXX sold the debt to XXXX XXXX  and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always come back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to portfolio recovery to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many times this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX ( EXPERIAN RESPONSE ON XX/XX/XXXX ) Company 's Response Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicate that there is an inaccurate account appearing in your Experian credit report. You are requesting that the inaccurate account be removed from your credit report. According to our records, the disputed account does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumer disputes swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to TransUnion XXXX XXXX XXXXXXXX XXXX PA XXXX the 1st letter sent on XX/XX/XXXX certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/XXXX certified tracking XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete the account XXXX XXXX from my credit report because this account has not been verified and is reporting inaccurately. XXXX  date last reported is XX/XX/XXXX and XXXX is XX/XX/XXXX. How does this meet FCRA requirements when all data furnished should be accurate. The creditor could not verify this information when contacted. XXXX has deleted this account.
Product: Mortgage

I completed and submitted the package for refinancing my home. This package was completed and submitted in  XXXX  '  XXXX . This package was submitted and received by OCWEN in  XXXX  '  XXXX .     As of this date  XXXX   XXXX ,  XXXX , OCWEN has used the ploy of asking for additional information. Like water from a dripping faucet, they ask one question, you answer that question. Then they ask another question. Now that we have been through every document, OCWEN is saying that they have not received documents.     I am working with/thru  XXXX , who keeps a file of all that I submit. OCWEN has complete access to the  XXXX  files. Currently, they say that they do not have access to the  XXXX  files. Therefore, all submissions go to  XXXX  an d OCWEN. OCWEN contin ues to say that they have not received documents I have sent.       DO NOT SEND MY DOCUMENTS TO OCWEN!!
Product: Credit reporting or other personal consumer reports

I call Equifax, transUnion, Experian and stated I had a name change with a court order and need to be update tin their system and got redireted here to file my Mather old name
Product: Debt collection

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$320.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per XXXX opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Last XXXX SS : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Product: Checking or savings account

Dear [ CFPB ], I am writing to file a formal complaint against CashApp, a money service app that operates as a bank account. I believe they have violated their own terms of service by engaging in questionable practices that have resulted in significant financial distress for me. 

I discovered that a substantial amount of money had disappeared from my CashApp account without any prior notification or explanation. To my surprise, there were no transaction statements or emails indicating the occurrence of any refund or withdrawal. It was as if the money had simply vanished into thin air, leaving me concerned about potential fraudulent activity. 

After numerous attempts to ascertain the cause of this unexplained discrepancy, I finally reached out to CashApp 's customer support. Their response left me further unsettled. They claimed that a technical error had occurred, resulting in two transactions, one on XX/XX/XXXX for {$74.00} and the other on XXXX for {$40.00}, being refunded weeks after they should have been completed. However, I was never informed of these alleged refunds, nor was there any record of such transactions in my account statements. 

Months later, on XX/XX/XXXX, CashApp withdrew an additional {$110.00} from my account without any form of notification or transaction statement. This action is a direct violation of their own terms of service, specifically XXXX XXXX, which clearly states their liability for incomplete or incorrect transactions. 

What exacerbates this situation is that I rely on biweekly direct deposits from my employer. The regularity of these deposits reinforces the notion that my account balance accurately reflects completed transactions. However, CashApp 's alleged technical errors and subsequent actions have shattered this trust, leaving me in a state of financial turmoil and uncertainty. 

The lack of transparency, communication, and accountability displayed by CashApp is deeply troubling. They have failed to uphold their obligations as outlined in their terms of service, disregarding the importance of promptly notifying customers of any incomplete or erroneous transactions. 

This situation has caused me immense distress and has had severe financial implications. It has forced me to take time off work to address the issue, disrupted my ability to pay bills, and jeopardized my housing situation. The emotional toll has been significant, as I grapple with feelings of violation, helplessness, and anxiety over the security of my financial resources.
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint. This is a complaint regarding their investigation process. 

I received feedback from a complaint I filed on XX/XX/year>. I specified what the lease agreement stated that I owed and the company did not address this at all. They stated what they continually claim I owe, but this is not true according to the agreement I signed. They say I owe the difference of the unpaid balance with fees and the sale proceeds, which is about {$15000.00}. 

The lease agreement very clearly states I owe the disposition fee, previous back payments, taxes, fees, and the termination fee ( the difference between the adjusted lease balance and the wholesale Fair market value ), which is about {$3000.00}. 

If anybody took a moment to read the contract, that they even attached to their response, they would see what I owe, so it's obvious that no investigation was done. What is their investigation process and where is their proof that I owe {$15000.00} besides them just saying that I do? They have a history of taking advantage of their clients. They should have to prove their findings of the investigation. 

I deserve a fair, unbiased investigation and for my credit report to be corrected.