23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We were scammed by a timeshare in XXXX. Most of what we were told during the presentation has proven to be false. The timeshare has been paid off and we have tried unsuccessfully for years to cancel our membership with XXXX and they refuse to cancel. We have also tried to sell or transfer membership to escape escalating yearly fees without success. We stopped paying the yearly maintenance fees in hopes that XXXX would cancel or terminate our membership but instead turned us over to Monterey Collections. Research showed some timeshares allow to " surrender '' membership but XXXX said they would not send a " surrender packet '' or discuss anything about the account until the past due amount and penalties of {$2200.00} was paid. It is also highly likely " Surrender '' is another Scam. XXXX used lies, deceit and unlimited alcohol to entice victims into a contract that they can not escape from. We have attempted to negotiate, they refuse.
Product: Debt collection

XXXX XXXX representing Convergent Outsourcing called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.
Product: Debt collection

I received two bills from a " Financial Data Systems, XXXX '' with two charges that have no explanation and claim that their client has tried repeatedly to collect from me, but no such communication has happened. I went through some of my voicemails and discovered that I had been getting automated ( computer programmed ) calls notifying me of debt, but no further explanation. the voicemail starts with " by staying on the line for 5 seconds you confirm that you are XXXX XXXX '' then it proceeds to count : " XXXX XXXXXXXX  '' etc. 
I googled the company and their " client '' XXXX XXXX and both have reviews with similar complaints about false debts and illegal collection methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the trans union, XXXX, and XXXX concerning XXXX bankruptcies on my report each XXXX XXXX came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. XXXX requesting form each company to delete this from my file if they cant provide me with XXXX information.
Product: Credit reporting

A collection has shown up on my experian and XXXX that is from XXXX, a company in kansas that provides electricity for homes and business. This collection is not for me, it is for my ex-fiances home. I was living with her from around XX/XX/XXXX until XX/XX/XXXX, and there were certain months that i would pay her bills buy putting them on my debit card if she was having money issues and also i was using the electricity also. The account was in her name, but since i had paid it majority of the months using my card, when she allegedly defaulted after we had split up and they could not get money from her they attached a collection to my credit reports. I have tried unsuccessfully to reason with the original creditor and the credit reporting agencies. The ironic part is i have XXXX at my home now, If i actually owed them any money, why would they have gone and given me another account years ago. This collection has hurt my overall credit profile with regards to obtaining preferable financing on homes and business loans, and on more occasions than i can remember cost me from obtaining new lines of credit with banks. My desired resolution to this issue is for experian and XXXX to remove this inaccurate collection from my accounts.
Product: Mortgage

We have applied for loss mitigation through our mortgage servicer, Shellpoint, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXXand have been trying to get help since XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and Shellpoint want to ignore the federal laws and illegally take our home from us. Please help!
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Money transfer, virtual currency, or money service

Transaction date : XX/XX/2021, XXXX XXXX  XXXX Amount : {$190.00} I sent money on the above date but other party never piked up that amount. 
After a while Xoom is a service of XXXX XXXX XXXX sent an e-mail to me because other party never picked up a money that they will refund my money. They supposed to refund to my credit card because I used credit card for sending money. But per their e-mail they sent e a check which I never received. 
I called them many times and every time they gave me a story that supervisor will look into it and send me my money soon. 
I am still waiting and sick of calling these guys. 

Please, look into it and let me know what do I need to do to get my money back. 
Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Bank XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX XXXX : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1200.00} XXXX XXXX Balance XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX ) AMERICAN EXPRESS sold a 2 charged off accounts to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I haven't been in the country to open these accounts. American express and XXXX XXXX   XXXX haven't submitted signed agreements nor other information I requested from them. Account # XXXX Blue Cash Everyday ( ending - XXXX ) {$3200.00} SimplyCash Plus Card ( ending XXXX ) {$3600.00} 2 ) XXXX XXXX XXXX sold a charged off account to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX Phone XXXX I haven't been in the country to open these accounts. American express and XXXX XXXX   XXXX haven't submitted signed agreements nor other information I requested from them. Acct # XXXX {$3300.00} 3 ) XXXX XXXX sold 2 charged off accounts XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX. I haven't been in the country to open these accounts. American express and XXXX XXXX XXXX haven't submitted signed agreements nor other information I requested from them. Account # XXXX - {$4600.00} Account # XXXX - {$6100.00} 5 ) XXXX XXXX sold charged off account to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX. I haven't been in the country to open these accounts. American express and XXXX XXXX   XXXX haven't submitted signed agreements nor other information I requested from them. {$3100.00} I have requested specific documents from all these individual companies and and they haven't provided me with accurate information. Information requested was, CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful These companies excluding XXXX XXXX XXXX  have responded with minimal information such as credit card statements and past due reports. These payment reports do not show any viable proof that these accounts were opened by me. I have never authorized anyone to use my personal information to open these accounts. 

None of the companies have provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Mortgage

Loan Bank RoundPoint Mortgage Servicing Corporation Loan Number XXXX Good morning I wrote 3 emails to the Bank ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with NO response. 

My loan is PAID OFF, however : 1. I haven't received any documents ( email or mail ), regarding the release of my loan 2. On my portal account said I owe {$7.00} and my next payment of {$580.00} is due on XXXX. Is the Bank charging me OVER interest, in a Loan that doesn't exist 3. Also I received an email on XX/XX/XXXX, because the Bank is shopping for an Insurance for my loan that is already PAID OFF Thanks in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 CREDIT AGENCIES : XXXX, EQUIFAX AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO XXXX  STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with Zelle handing disputes particularly in light of recent cfpb lawsuit highlighting numerous issues XXXX the platform. My financial institution, Zelle failed to investigate my claims I was told that recovering lost funds wasnt trackable
Product: Checking or savings account

We transferred {$4400.00} via ACH transfer from XXXX  XXXX XXXX to Citi bank located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX  in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( XXXX ) to amend the request and correct account number. I contacted immediately to XXXX customer care and they said we can't do anything except sending recall request for ACh transfer. I called every day to check the status but XXXX always informed that it can take upto 45 days for citi bank to respond. We tried to contact multiple times to citi bank and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between citi and XXXX XXXX XXXX. Till now we made more than 20-25 calls to XXXX  XXXX XXXX and citi. 

Today I called XXXX XXXX XXXX and they are saying Citi replied back that they can not reverse the transaction. 

I don't understand, why can't they reverse the transaction? why it's been holding from almost last 3 months? 

Really really bad experience ....!! I
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 for these violations.
Product: Credit card or prepaid card

I use the cashapp for my business and I was paid on their by some customers. And in the middle of the night Friday XX/XX/2021 and Saturday XX/XX/2021. I was charge four times by XXXX Ads ( I have no idea what this is ) of {$25.00} dollars. Totaling in {$100.00} and they continued to try and charge my card four more times, but their was no money left and I blocked the card. I have been trying to contact cashapp through email. This is the only way you can actually get in touch with someone. Which they have continually send me to someone else. One person told me I had to contact the merchant, but how Im suppose to contact the merchant if I dont know who they are or how to contact them. When I ask no one has answered are responded to any of my question. I have emails everyday since and no one has responded to my complaints. I think its ridiculous that you can not speak to someone on the phone if you are a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX aka XXXX fraudulently authorized a XXXX  phone and service using false information and fraudlent identification. I have told there collection agency this is fraud and needs to be removed from. All XXXX credit buearus account was open XX/XX/2022 in the amount of XXXX XXXX