23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, XXXX You've successfully sent {$370.00} to XXXX XXXX. 
XX/XX/2023 XXXX ID : # XXXX It take XXXX for this transaction to appear in account statement. 
Order Details : You Sent {$370.00} USD To XXXX XXXX XXXX : {$370.00} Issue With Transaction? 
You have XXXX from the date of this transaction to open a dispute. 
XXXX : XXXX ( XXXX ) XXXX If you have any queries regarding this deduction kindly call us our support team will help you XXXX at XXXX ( XXXX ) XXXX Thank You PayPal team Please do not reply this Email. This Email is not monitored and you will
Product: Debt collection

ive been constantly harrassed by XXXX XXXX for a bill i have no recollection about. i have tried to contact them to fix the solution to get off my record and no agreement can be made. i produced my affidavid and forms and they refuse to acknoledge it.its been months and its still affecting me. its the collecting agency named covergent amount of bill are XXXX for XXXX bill and XXXX for a XXXX bill oppened fradulantly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want
Product: Debt collection

On XX/XX/2023 I received a notification of a new collection from Amsher collection Service of {$640.00} reporting on my XXXX report. Now I recently disputed this amount from a different collection agency XXXX  XXXX on XX/XX/2023 and it was deleted from my credit report immediately. I have mailed a letter to Amsher collection service on XX/XX/2023, requesting to validate this debt owed is accurate, provide me with evidence that this debt is owed to Amsher Collection Service, provide me evidence of my signature. No such evidence was provided to me in XXXX days that was given. Then I tried to dispute the collection online through XXXX and without giving any further information it is coming back as verified. 

I have filed an identity theft report and that report will be attached, I will also attach the letter I sent to Amsher Collection Service, attach the other collection agent that attempted to collect debt that was deleted immediately and also attached the attempt to delete through online.
Product: Debt collection

I am exhausted and it has taken a toll on my health. This company continues to report credit card fraud on my account. I have been turned down for numerous things because of this including my rest home. I called XXXX XXXX  as they requested and they have removed it and investigated it but LVNV is still reporting it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I received a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section of my credit report. To diminish speculation my information is as follows XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I did not have enough money in my account when my mortgage payment was presented for {$840.00}. Wells Fargo went ahead and paid the check which put my account into overdraft by negative {$330.00}. I would have never wanted this to happen. Now I am having other fees for other transactions that came through. I was charged another {$35.00}. fee for a {$5.00} transaction that was paid. The {$5.00} transaction would have gone through if they had never paid the {$840.00} transaction when I did not have the money in the bank. I understand that I should have balance my account better. I over budgeted and things happened. I could have just called my mortgage company and made arrangements with them. Now I do not have money to take me to my pay day, I have other transactions coming through that I am getting charged {$35.00} for. This is not fair to me. I do think the bank should be allowed to pay for a transactions that is going to overdraft my account for {$330.00} at least without letting me authorize or approve it first. I have the ATM Overdraft on my account, but it will ask me first if I want to do this and let me know that there is a fee. I would have preferred that the bank would have sent this back with out paying this and not charge me any fees if something else came through, especially for {$5.00}.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I was unemployed and contacted Navient about solutions available to me, due to unemployment. I was on unemployment and receiving government benefits and told them I could provide proof if needed be. They kept telling me they had no programs available to me, even with me being on government assistance. 

In XXXX XXXX XXXX I received a call about my payment missing. I informed the agent that I was unemployed and receiving government benefits. She told me that if I could make a payment of {$170.00} that would cover XXXX and XXXX. She then informed that if I made an additional payment of {$86.00}, that would cover XXXX XXXX  payment. I checked my account and luckily had received my tax refund check and made the payments. 

In XXXX XXXX XXXX, I started receiving calls from Navient saying I was behind again. I questioned how that could be, considering what the lady told me. I asked for them to go back and listen to the call to see what she told me. 

The calls continued into XXXX XXXX XXXX and every time I asked the customer service rep to verify what I was told, they told me they would put it in a request and then get back to me. I then told them I wanted to hear the XX/XX/XXXX call also. I told them if I heard it wrong, I would pay gladly pay them. I also asked about any programs, as I was just recently employed, but had not received a check and they told me they could lower my payments, if I agreed to another 10 years added to the loan. I declined. 

The calls came in once every 7-13 days and each time I asked for them to review the call and they told they would and would get back to me, but never did so. 

I submitted an online inquiry on XX/XX/, due to not getting a response from them. Before ever getting back to me they alerted the credit bureau of a delinquent account. They finally replied to me on XXXX XXXX XXXX 

This could have been solved before then, had their reps gotten back to me.
Product: Credit card or prepaid card

Someone stole my card and my pin and charged money, withdrew money and netspend is not wanting to help resolve my dispute
Product: Checking or savings account

I noticed a fraud ACH online transfer regarding {$360000.00} posted on my BOA savings account as processing on XX/XX/2020, and I call BOA immediately saying I did not authorized the transaction, and requested a hold/freeze on that account and opened a new account and changed user name and password, next day money was back to my account I was told that I was XXXX, XX/XX/2020 the transfer was actullay settled and money was pulled out again from my account, I was told that was due to their system error, but following 2 days money was still missing, XX/XX/2020 they filed a claim for me but that turned out to be a wrong claim, and finally on XX/XX/2020 correct claim was filed on behalf of me, and XX/XX/2020 they denied my claim without any detailed explaination of how they made the decision. I was told by associates from BOA that my case had been accelerated to upper management and should receive a call back within XXXX hours but I never received any phone call from them. I informed BOA and filed police report since I received a critical security alert from XXXX saying someone else has known my password thus I think my account has been hacked and that is why my BOA user name and password got leaked. I did everything right to protect myself from losing money, reported the fraud once it posted on my online banking and filed a police report but BOA did several mistakes and significantly delayed my claim when they were dealing with my case and thus put me at a higher risk of losing money and then they refuse to refund me the money without a reason, I could not accept that result.
Product: Debt collection

On XX/XX/2021, I sent a letter to LVNV funding requesting that they validate an alleged debt they placed on my credit reports. I received a response from Resurgent Capital Services stating that they are collecting on behalf of LVNV Funding. Since when a collection agency collects from another one, and neither one of them has provided me with the original application of this alleged account like I asked them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing this dispute because I noticed inquiries on my credit report that I did not authorize! I do not have any knowledge of these inquiries nor do I have knowledge of how they got on my credit report. Below I am attaching a FTC Report so that the CFPB has a copy of the fraud alert I am placing on the credit agency reporting these inquiries. I am also attaching a dispute letter, proof of address and my ID as identification. Again, I do not have any knowledge of these accounts until I recently checked my credit report seeing inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : American Express XXXX, Account name : # American Express XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have added these accounts to my bankruptcy and these companies are actively show reporting I owe a balance and by law they are now allowed to do this. Its against the law and I want this company to be held accountable. 
XXXX XXXX XXXX XXXX account number-XXXX XXXX XXXX- account number-XXXXXXXX XXXX XXXX XXXXXXXX  account number-XXXX All are attached to my bankruptcy please verify with the clerk of courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX/ account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

I called XX/XX/XXXX and requested a refund of all the loan payments I made since XXXX of XXXX. They said great, got it submitted and quoted me 4-6 weeks. I got an email on XX/XX/XXXX saying my request was denied, I so called again them again on XX/XX/XXXX and they told me the request wasnt processed correctly and I had to do it again. I then re-reuqested my refund on that call and they told me it was officially submitted. I checked in with them for a status update on XX/XX/XXXX and they werent able to provide any information but quoted me another 4-6 weeks.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, which I believe were the result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB XXXX CFPB XXXX CFPB XXXX TransUnion is violating my right to an accurate credit report. 

Why is my credit report SUPPRESS?? I have called TransUnion, and no one can tell me why!!!! 

I have been working on my credit report from TransUnion since XX/XX/year>. I have sent several letters to them to correct the inaccuracy of my student loan status. I would repeat myself again my student loans have NEVER been in a Bankruptcy case, if TransUnion did the proper verification and viewed the documents, I supplied they would have known the information I am stating was authentic. 

Instead of verifying the information with XXXX and theXX/XX/XXXX XXXX, TransUnion decided to suppress my entire credit report without my authorization. There was NO reason for them to do this, just correct the one student loan and delete the bankruptcy, if it cant be verified. Once again this is proof, they are NOT following the FCA Law 15 USC 1681i ( 5 ) ( a ) ( 1 ) ( a ) Treatment of inaccurate or unverifiable information, should be DELETED. Now I cant move forward with any large purchases. The other two agencies have corrected my student loans, their status is paid in full. These loans were paid under the PSLF.

I have decided to work with a Consumer Law firm to file a lawsuit against TransUnion, Im not the only person they are doing this to. These agencies are damaging consumers lives, we are asking them to do their job, not a computer, but do the proper investigation.
Product: Mortgage

This whole situation was initiated by Harmon Law Offices on behalf of XXXX XXXX XXXX XXXX. Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/ I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX ( XXXX ) XXXX and with mobility as well as XXXX XXXX problems highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/XXXX  is XX/XX/XXXXXXXX XXXXAny attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/ XXXX This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/XXXX XXXX for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX  XXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to XXXX XXXX for profit of this elderly XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early mourning XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short XXXX XXXX for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX coming to my door to terrorize me on XX/XX/ as attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been homeless for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.
Product: Mortgage

XX/XX/XXXX we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an " interior BPO ''. 
XX/XX/XXXX We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. 
XX/XX/XXXX XXXX emailed the Negotiator XXXX XXXX who responded stating they ordered a new BPO through a new vendor, so even he agreed it was unjustifiable. 
XX/XX/XXXX Negotiator emailed the new XXXX We emailed XXXX request the Negotiator and addressed that this BPO has comps over XXXX mile away, the comps square footage is over the subject property, closings took place over 6 months ago. There were no adjustments to the value based off upgrades, heated floors and XXXX car garages with the XXXX XXXX emailed that he will submit for review of value dispute. He informed XXXX he gave her contact info to his mgmt. team ( but wo n't give us their contact info ) to date, no one has ever contacted us. 
XX/XX/XXXX We emailed the Negotiator our XXXX and supporting comps to add to the dispute reviewSince then we have followed up for status on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have emailed the Negotiator for update via email XX/XX/XXXX and XX/XX/XXXX with no response. 

We escalated on XX/XX/XXXX and on XX/XX/XXXX I was advised that the dispute will take another 1 to 2 weeks. I escalated again XX/XX/XXXX and another update of 1 to 2 weeks was noted on the file and talk of ordering new bpo. To this date, no new bpo has been ordered. 

We have informed the Negotiator and several Relationship managers that this buyer is about to walk and no one has expedited the file. 

Since no one has expedited the review, the home has been broken into XXXX times and now the floors are covered in vomit and holes kicked into the walls. The banks lack of effort has put this vacant home in harm of being vandalized and possibly obtaining squatters. The client and us feel the bank has no concerns and no intentions on getting this reviewed properly or rendering a decision. They would rather force us to relist and possible obtain more issues with the home.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has 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 the 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 reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, which left me confused and concerned. When I checked my credit report, as I usually do, I noticed discrepancies that were not there before. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I am deeply concerned and request that the documents I've submitted be reviewed carefully so that I can avoid this issue in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis sent an historic and unverified report to my prospective employer on XX/XX/2018 The report included 71 judgments and liens almost everyone is duplicated several times on the report and all are satisfied and released and they do not report them as satisfied or released, When I request a copy they send me a different copy showing only four liens, all satisfied, This is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Co L Account number XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number XXXX has violated my rights 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 furnisha account without my written instructions