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

I was looking for tickets to a particular concert that had been sold out. Someone came forward offering tickets for a reasonable price, but wouldn't let me pay using something that had pay-protection. I said alright, and sent half the money. The recipient told me to wait a little bit and I haven't been contacted since. Given the payment wasn't supposed to go through until tomorrow, I was under the assumption I would be able to cancel it but that was not the case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : oppsloans/finwise : Dear [ XXXX ], I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : XXXX. The name and address of the original and current creditor ; XXXX. Verification of the debt amount you are attempting to collect ; XXXX. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to .Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.

Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report.

I appreciate your prompt cooperation in this matter. 
amount XXXX
Product: Money transfer, virtual currency, or money service

So my money from HSBC bank was taken by making a transaction with the card as they used scanning feature I reported this to my bank and nothing happened the bank didn't even saved it in the system like nothing happened they didnt had no records what so ever after 7 months i went to the bank to ask for some information about it and the manager came from the back and i was really scared that he will assault me he was acting towards very unprofessional and very bad well and after some days i only received a email that they will not refund me the money amount XXXX in XX/XX/ XXXX XXXX
Product: Debt collection

I was contacted by Phoenix Financial Services by mail and by phone attempting to collect a debt of approximately XXXX on behalf of XXXX  XXXX. I had already paid this debt over a year ago to a different collection agency and has since been removed from my credit report. I contacted banner health and they confirmed that I do not owe anything and advised that that is not a company they contract with for collections. I have no idea how they obtained my information. I woke up this morning XXXX XX/XX/2021 XXXX to three missed calls starting at XXXX. The agent did not attempt to verify me in any way prior to rattling off my name and birthdate, having worked in the financial services sector and on phones most of my career I know this is a direct violation of information security policies of most legitimate business and in some cases a violation of state and federal law. Considering that this was supposedly an attempt to collect a medical debt than that information would fall under HIPPA protection as well.
Product: Mortgage

I have been affected by the Corona Virus, and can not pay my mortgage. I would like for my payments to be deferred. My mortgage company is telling me that I would have to pay all of the passed due payments at once. Why cant the payments be pushed to the back of the loan?
Product: Mortgage

I have a Home Equity Line Of Credit with Bank Of America and I am in the process of selling my home. The closing date is next week on XX/XX/XXXX. When my attorney did a title search, two HELOC liens from XXXX XXXX XXXX came back. One lien is dated XXXX, XXXX in the amount of $ XXXX. The other lien is dated XXXX, XXXX in the amount of $ XXXX. I only have one active loan with XXXX XXXX XXXX XXXX XXXX amount of $ XXXX ( approximately $ XXXX now ). In XX/XX/XXXX, I was given a issued a $ XXXX line of credit. In XXXX, XXXX, I was given a $ XXXX increase, allowing me to borrow up to $ XXXX in equity. Unfortunately, the bank never released the original XXXX for $ XXXX and there are two liens on my property from XXXX XXXX XXXX XXXX XXXX XXXX and $ XXXX ). I have called and emailed the XXXX XXXX XXXX requesting that they issue a lien release for the initial loan. I have gotten nowhere. Customer service has no record of my initial loan number and I have been told that it could take 15-20 days for the research team to resolve this. My closing date is on XX/XX/XXXX and I need to resolve this issue prior to that date. I appreciate your time and consideration and look forward to your reply. Thank you. 
Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent inaccurate account reporting on my credit report that was already deleted returned. 


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 has violated my rights. 

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 ( XXXX ) 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.

15 U.S.C. 1681B ( 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

Portfolio recovery associates called on following dates with several different phone numbers. After a letter stating that they cant sue due to its age there is no proof of debt in this letter as to last date paid no signed contract between me etc they were told until they can prove the actual debt ( which they have failed to do so ) to stop all further calls or communications. Repetition of calls is harassing behavior! Especially without time to look at letter that was requested more than 7 calls before this. They are using repetitive calls as a tactic to try to get people to pay on debts not owed. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX letter received but failed to state when last payment was made and chain of custody proof that amount was whats true or not, XXXX XXXX, XXXX XXXX ( first original date I requested proof but none still given ). I have reason to believe that this portfolio recovery services is trying to scam on a time barred debt ( past the statute of limitations ). 

There have been more than 6numbers that I can count that they have called me from and none are their actual buisness numbers. Only one that I can recall of.
Product: Debt collection

I have been disputing this debt for a while now. I have provided proof over and over again that this debt was paid to the original creditor. The collection agency keeps going back on reporting this between XXXX and XXXX. Every time I dispute it they state it is paid, change the balance to {$0.00} and the debit to paid. Then I check my XXXX account the next month and the same debt is back as unpaid on the other credit report. 

I am not sure what my option are at this point, but this I NEED HELP getting this fix. It cost me the ability to refinance my car to a lower interest rate and it cost me a percentage point when buying my house. Do I have to hire an attorney to get this fix? PLEASE HELP!!!!!!
Product: Credit card or prepaid card

Hi, I have applied for XXXX XXXX XXXX XXXX when it had a special promotion of XXXX miles and {$200.00} credit after spent {$2000.00} within three month. 

{$2000.00} was spent and I have received XXXX miles points. However there was never a {$200.00} credit. I would like to file a complaint for not receiving this bank credit. 

Thank XXXX
Product: Credit reporting or other personal consumer reports

am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/year>
Product: Prepaid card

I received a letter with the return address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX addressed to me at my home address. 
The letter was on Bank of America Letterhead with their offical looking logo in the right corner. 

The letter stated the following : XX/XX/XXXX This notice is provided to you as the named account holder for a prepaid debit card ( " card '' ) issued by Bank of America , N.A . ( " we '' or " us '' ) on behalf of your state 's agency responsible for XXXX XXXX  or-other benefits payments. 

After a recent review of your card account, it was determined that fees related to calls you made to Us may have been inadvertently charged to your card account. amount of crediting your card account in {$2.00} to reimburse those fees to you. We apologize our service did not meet your expectations.

If your card account is closed or you would like to request a check for the remaining balance of your card, including the amount we have credited to your card account, you may call us at XXXX, XXXX hours XXXX days a week, to request a check. 

If your card account is blocked, we can work with you to see we can release the block on card account, which may include asking you questions or asking you tO take other steps to authenticate your identity. Please call us at XXXX, XXXX hours a day, days a week, you are interested in seeing if we can release this block on this card account and assist you XXXX accessing any funds remaining in your card account, including the amount we have credited your card account. 

The footer of the letter had the following identification marks : XXXX ( left footer ) XXXX ( right footer ) I contacted BoA and they were unable to locate my name or SSN in their database. I do NOT recall opening an account, applying for any type of state benefits. My only interaction with BoA was in XXXX, my employer provided us with a prepaid debit card for work expenses during a work trip. I returned the card to my employer and have not used in since XXXX. 

I believe this to be a fraudulent letter. I did not call any numbers listed on the letter, rather I contacted BoA through official channels.
Product: Mortgage

In reference to my 1st CFPB complaint # XXXX, Paramount Residential Mortgage Group admits to making a mistake and apologizes for its actions. 

This new complaint is about the lack of steps and efforts to resolve the issue by refunding my money that's being held for no reason while they pass the blame around internally and refuse to return my excess cash paid due to their blatant mistake. ( Even the escrow analysis was premature and hastily done - 4 months is too early and seems XXXX- as 6 -12 months is the industry range ) This problem originated with XXXX jumping to do an escrow analysis only after 4 months of residency and doubling my annual escrow from {$3800.00} to {$7600.00} under the internal mistake I pay {$1900.00} per quarter when in fact I pay {$950.00} per quarter. 
They raised my monthly mortgage payment from {$1900.00} to {$2400.00} causing me undue financial stress and putting me in jeopardy of foreclosure so I had to borrow money in the middle of a pandemic and economic XXXX to save my new home. 

It took them until XX/XX/2022 to admit their mistake and returned my mortgage payment to {$1900.00} in XX/XX/2022. After multiple requests and interactions with their Compliance representative XXXX XXXX at XXXX and XXXX I'm exhausted because of the XXXX 's poor internal and ineffective inter-department & Third Party Administrator ( TPA ) communications to resolve my clearly defined customer issue that they admitted know they mishandled. 

A refund payment of {$1600.00} is owed and due to me promptly. The funds XXXX holds are from {$2500.00} I had to borrow to pay my increased mortgage due to their incompetence. I have never missed a mortgage payment or tax payment and these excess funds should be returned promptly to me as a paying consumer. Why do I have to fight XXXX to get my own money back? I am taking this to the press next as I am thru playing nice - I know my rights. XXXX should be fined for this blatant mishandling of customer processing, rights, and entrusted funds. 

It is not my responsibility to deal with XXXX Third Party Administrators ( TPAs ) inefficiencies and this situation should serve as an example of what mortgage companies SHOULD NOT DO TO THEIR CONSUMERS. I have opened this new case as I seek justice, a resolution, and ultimately - MY money refunded ASAP. 

Thank you CFPB for the great work you do for all consumers.
Product: Debt collection

I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around XXXX ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple  credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
Product: Payday loan, title loan, or personal loan

Received a loan in the mail from SET FINANCIAL. The loan was for {$750.00} and was to be paid back in XXXX installment payments at {$160.00}. Deposited the check on XX/XX/XXXX. On XX/XX/XXXX I sent money order in the amount ( # XXXX ) {$160.00}. I DID NOT FEEL COMFORTABLE WITH THIS COMPANY. So, I then on XX/XX/XXXX I sent XXXX more money orders ( # XXXX ) {$300.00} and ( # XXXX ) {$280.00} which equal the total amount of the loan. I repaid the in full within XXXX days of receiving it. Because I never delt with this company and did not feel comfortable with them. In XX/XX/XXXX I received a call from SET FINANCIAL asking when I was going to make a payment. I told them that I had repaid them there money. They told me that they charged me late fees and if didn't pay they would put it on my credit report as bad credit. The amount of the fees have been changing from {$220.00} to {$160.00} now on my credit report. THAT'S WHAT THEY DID EVEN THOUGH THEY GOT ALL THEIR MONEY BACK! SET FINANCIAL sent it to a collection agency XXXX XXXX XXXX. XXXX XXXX XXXX collection agency told me they waiting to hear from their client. SET FINANCIAL WAS OUT TO RUIN MY CREDIT! It has HURT my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to fix this issue with XXXX XXXX XXXX /AFNI , Inc in the amount of {$8600.00} multiple times per the information stated on my credit report I have not had XXXX services open XX/XX/XXXX after speaking to XXXX i was informed i owed for 5 lines I informed her at this time " that is incorrect information she at this point stated yes this happens alot with XXXX " I've requested for a manager to review this unknown account and was informed they do not do so and i would have to pay the amount due, Ive called back multiple times and have spoken to XXXX XXXX XXXX he stated this account is under review for fraud and should have been closed as of XX/XX/XXXX and removed. XXXX also stated the reason it keeps popping up on my credit report is because XXXX sells the accounts to 3rd parties. This is unfair/ and unjust for this company to accuse me of owing for this account Ive asked what address do they have on record and XXXX responded with your address XXXX XXXX i informed him that my address clearly pops up on my credit report that does not mean this account was taken out by me at this address, also informed him of XXXX XXXX XXXX paperless account info they have for customers. He then responded with the only amount he can receive from me at this time is {$4400.00}. I reminded him about the prior conversation where he stated on XX/XX/XXXX that as of XX/XX/XXXX this account should have been removed and was hung up on by Mr. XXXX # XXXX
Product: Mortgage

I initially submitted a complaint to the CFPB in XX/XX/XXXX due to Amerisave reporting me delinquent to XXXX and XXXX despite the fact that we made a forbearance agreement from XX/XX/XXXX through XX/XX/XXXX. Amerisave responded to the complaint, acknowledged their error, and removed the derogatory credit reporting. Since then, Amerisave continues to report me delinquent. I submitted a dispute to the credit reporting agencies and have contacted Amerisave multiple times including speaking with 2 different supervisors over several months to have the derogatory reporting and all notes removed from the credit bureaus. Amerisave is acting in a predatory manner by continuing to violate the terms of my forbearance. Representatives continue to agree verbally that the credit reporting is an error but continue to report delinquency. Additionally, Amerisave is unresponsive to my attempts to reach an agreement regarding the forborne balance and possible permanent loan modification. Despite my good faith attempts, Amerisave has not reciprocated.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. There are a lot of accounts, incorrect addresses and names mentioned on my credit report for both XXXX XXXX XXXX that I do not recognize. 

Thank You.
Product: Credit reporting or other personal consumer reports

These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.2
Product: Credit reporting

My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/2016. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. Equifax just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card that was charged off in XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XXXX. A correction was requested on several occasions but the same information is being updated.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.