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

Xoom has been nothing but an aggravation and will probably not only not use it again but lodge a complaint with the proper authorities. 

Seems I am a XXXX  for believing Xoom would be quick and easy. Several promises were made in the promotion : Next business day ( your money will typically arrive next business day to any bank in the United States ) Only bank name and account # needed ( Step 3 : Choose any bank in the US. Step 4 : Enter your recipient 's account on our secure page. Step 5 : Conveniently pay ) 'verification department ' was 'starting to process ' for a couple of days and never responded to inquiries. 
Status messages never received - i had to call them and endure a typical 'customer care ' experience. 

Seemed to be what I needed : quick transfer of some {$3800.00} so i submitted a request on a Friday evening, XX/XX/XXXX. Completion was promised Monday night, XX/XX/XXXX. Repeated checks of status only had 'verification process started. ' Even after the due date. Finally today ( almost 4 days later ) i called and they said they needed 'more information. ' They never asked or sent a status on that. The info they 'needed ' were some irrelevant issues, e.g., why? For an amount under $ XXXX it seems they must have been treating us as drug dealers. Now they have sent it onto another department and said it will be an additional business day! 

Multiple messages sent to their customer service, including to the 'verification department. ' No relevant response received. 

Poor service, not as advertised.
Product: Vehicle loan or lease

From my previous complaint I have tried Numerous times to contact the Email i was given from Chrysler Capital and have yet to receive a response. I keep getting the run around when i contact the finance company I have VISUAL proof showing the XXXX company taking my vehicle stating it was in FACT Chrysler Capital who sent the XXXX XX/XX/2023 yet no one from Chrysler Capital has any notes or paper work stating it was taken this is getting very irritating and causing me much stress to where i am losing sleep and hair, i wake up at all times of the night checking to see if my car is still in the drive way I dont know who took my car that day cause Chrysler Capital doesnt know who it was either for all i know it could have been someone trying to steal my XXXX. My XXXX  app caught the tow truck company taking my vehicle and now its having issues that Chrysler Capital does not want to help me with, i am coming up on the end of my lease and need to get this situation taken care of as soon as possible. I have NO letters No EMails no kind of documentation since the initial day i contacted Chrysler Capital! this is ridiculous this is the email i was given from CFPB along with the video evidence i sent them. it has now been XXXX emails with videos and no response! : XXXX XXXX XXXX # XXXX cfpb complaint # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXXXXXX XXXX XXXX upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of this account ( s ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Facing Extreme hardship, made difficult to get a job, and difficult to stay in my house in a large scheme of domestic XXXX. 
Guild Mortgage have participated in at least 4 ways : 1-processing a XX/XX/XXXX payment about 7 days later, sequenced in a way to cause insufficient payment. 
2-Not record some payments in its early calculation of what was due.

3-At the end of XXXX conduct a loan modification at the same time as a scheduled foreclosure sale leading me to exhaust all my possibilities of avoiding foreclosure. 
4- Associate my ownership with an unknown second person who is the apparent beneficiary of the collective action of XXXX on me.
Product: Debt collection

I recently reviewed my consumer credit file and identified an alleged debt reported by your agency. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting full validation of this debt. Until the requested validation is provided, you are required by law to CEASE AND DESIST all collection efforts, including reporting to XXXX, XXXX, and XXXX. 
Additionally, I have conducted a review of your agency and found that XXXX is not registered to conduct business in the state of Alabama. Under Alabama state law, any entity conducting business within the state, including debt collection agencies, must be properly registered with the Alabama Secretary of State. Failure to register invalidates your legal authority to collect on any alleged debt within the state and may subject you to penalties under Alabama state law. 
Under the FDCPA and related case law
Product: Mortgage

In XXXX i had XXXX fraudulent checks written in the amounts {$1200.00}. This put my primary checking account with XXXX XXXX XXXX  in the negative. I filed with my bank fraud and it was ruled that the checks were fraudulent. I closed the account, the same week i closed the account, it was pay week. I had to cancel my direct deposit with my employer. I did not receive a check from work or the bank issuing the money that was in my account until the end of XXXX. I was 30 days late on my XXXX Wells Fargo mortgage payment due to this issue. They report this to the credit bureaus. I submitted all my documents on my fraud case to my mortgage company Wells Fargo stating this was the reason i was late on my payment. They told me there is nothing that can be done. Im currently up to date with all my payments. This incident was out of my control and i wanted my mortgage company to remove this 30 day late remark on my credit report.
Product: Money transfer, virtual currency, or money service

I paid for my property taxes online ( due to COVID ) and there was an extra XXXX in my acct number. I am being charged 3 % ( ~ {$300.00} in fees ) for " insufficient funds '' and can no longer pay my taxes online ( it is marked as paid, yet it did not come out of my account ). The funds were sufficient, simply an error in entering the acct number. I usually turn in a check to avoid the small fee XXXX approx. {$3.00} convience ), but elected to remotely pay in order to avoid crowds. Not I am stuck with a {$300.00} fee that I have to pay in order to pay my property taxes. City of XXXX XXXX XXXX GA XXXX, XXXX XXXX, and Envision Payment system are the companies involved ( not sure where my fee is even going to as all 3 said to contact either other about the issue ).
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - requested funds iao {$500.00} to be withdrawn and transferred to personal bank account. 
XX/XX/XXXX - contacted MoneyLion.com support via email inquiring about transfer request, as expected 7-10 business days passed, no funds or notice of delay. Was advised transaction was cancelled and ticket was being closed. Inquired as to why due to no resolution.

XX/XX/XXXX - requested funds iao {$1000.00} to be withdrawn and transferred to personal bank account.

XX/XX/XXXX - Spoke with XXXX on the phone at XXXX XXXX, EST, who advised my transaction was again cancelled. When advised I wanted the funds in the account sent to a different account and close my account, XXXX advised permission was needed to liquidate due to the amount in my account, as it exceeded the maximum transfer amount of {$1300.00}.
Product: Credit reporting or other personal consumer reports

Dear In accordance with the Fair credit reporting act. The lest of accounts blow have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I am writing to formally dispute the medical debt appearing on my credit report with the account reference number [ XXXX XXXX ]. I have no knowledge of this account and have never received any communication, bill, or notice regarding this matter from either the original creditor or your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with full validation of this debt, including the original creditors name, the amount owed, and a detailed explanation of how the debt was calculated. Additionally, please provide proof that I was properly notified and that this account is indeed valid and belongs to me. 

If you can not provide this information, I request that you promptly remove the disputed account from my credit report. 

Attached are copies of my identification and a recent utility bill to verify my identity and address. Please acknowledge receipt of this letter and keep me informed throughout the investigation process. 

I look forward to your response within 30 days, as required by law. If you fail to address this dispute adequately, I will not hesitate to escalate the matter to seek legal counsel if necessary. 

Thank you for your attention to this matter. 

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

I have filed a dispute and have not received any communication in 30 days
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : Equifax and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports.

Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

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

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Multiple inquiries on my report that Im not aware of. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX2024, I received a wire transfer from by friend XXXX XXXX XXXX. She lives in XXXX XXXX and she was repaying back a debt she owe me. I received the sum of {$10000.00} from her which she transferred into my Sandy Spring Bank. I have been an account holder with Sandy Spring Bank for more than 35 years. Immediately I received the payment, I withdrew {$5000.00} with my debit card into my XXXX. Then I then tried to make other payments and pay other debts. But my card kept declining. I thought I have exceeded my daily limit. I called my bank and was told my card was good and no limit exceeded. I tried the next day same issue. I went to the bank Friday XXXX, XX/XX/year>2024 to make a wire transfer of {$3000.00} to my friend and I was insulted inside the bank and called a scam and was told my account was been closed. I wasn't given a good reason for the closure of the bank account. I went to see the vice president of Sandy Spring Bank at my local bank and he told me he will look into the matter. I was told the remaining balance of {$5000.00} will be refunded back to the sender. Which the Sandy Spring didn't refund. When I called customer service they told me to tell the sender of the money to tell her bank to write to Sandy spring bank for refund of the {$5000.00} balance. My friend went to her bank and did as Sandy Spring Bank has instructed me to tell. Her bank said they could do nothing cause the money has left her account and was transferred out already. I went back to Sandy Spring Bank to lay more complaints and I was humiliated and insulted for my money by one of the female bankers. They kept on lying to me and never gave me my money and till today they held unto my money. You can audit my account with Sandy Spring Bank and ask them to provide evidence for the balance of my {$5000.00}. They never send any letter after the account closure as normal banks do. They stole my money and humiliated me deeply cause I'm old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month stemming back from XX/XX/XXXX through XX/XX/XXXX, I have called to report that the account information, specifically late payments reported during these month, are inaccurate and in violation of the CARES Act and US Fair Credit Act. Additionally, the account status is also being reported incorrectly as closed. These multiple accounts are open and in repayment program.

My credit has dropped almost 200 points. I was told by serval supervisors at US Dept of Ed that they are aware of the problem and that I am on a list yet the problem remains. I have exhausted the dispute option. I am no longer able to dispute with credit bureaus as I have filed the same dispute multiple times with all three credit bureaus ( XXXX, Experian and XXXX ). Every month, US Dept of Ed verifies that the late payments for XX/XX/XXXX through XXXX XXXX are accurate even though representatives confirm it is not. In XXXX, the same will happen. 

How is a US Gov't student loan able to violate US federal laws?
Product: Mortgage

I have a mortgage loan that is being serviced by OCWEN and they are not providing me with an opportunity to save my home from foreclosure. Their representatives have made it absolutely impossible to have my loan reviewed for any form of assistance as I keep getting bounced around for person to person when I call them. I do not have an accoun tmanager who is assigned to my file because they keep switching out my single point of contact and this is making it impossible to get straight answers. Due to XXXX, I had some lost income which hurt us financially and we had to fall behind on our mortgage, but we are now back on our feet and want to work out our mortgage issues. However, OCWEN has other ideas and are restricting our ability to access obtain a loan modification that could help our situation. Our problems began even before I had XXXX when we refinanced our loan. We needed to reduce our monthly mortgage payment and wanted some money for our sons college education. After we refinanced our payments kept going up and up. Apparently we were given an adjustable rate mortgage when we were told it would be a fixed mortgage. I believe we were conned into a toxic loan when we refinanced our mortgage. This hit us very hard since we expected our mortgage payment to stay at the newly reduced payment, but our mortgage payment continued to climb. The loan should have never been written and we were tricked into refinancing into a loan that had little benefit to us. My XXXX weakened us financially and we needed some help with our mortgage payment. When we contacted them our loan was current and they said they could not help us until we were delinquent on our mortgage. We were stopped making payments based on their advice, but this turned into a nightmare as we can not get OCWEN to complete a review for retention options on our property. OCWEN doesnt appear to be doing anything to move things forward and this has become incredibly frustrating. We feel that OCWEN has no interest in helping our family and that our request for assistance is going nowhere. We see that the United States Government fined them over {$2.00} billion for this type of activity and gave them billions more to help homeowners, but this apparently isnt enough for them to help us. We are hoping you can help us deal with the issues we are having with OCWEN.
Product: Debt collection

I already filed a totally different complaint against this company please dont close this as it is a different issue with them. 

This account was rightfully removed from my credit report as I was scammed by a former friend and it was reported to the police ( report attached ). However this shady company is calling me every single day leaving messages from different random Florida numbers! The responsible party for what theyre after is listed in the police report!
Product: Mortgage

ON or about the day after XXXX XX/XX/XXXX, I submitted for a loan modification to my mortgage lender Mr. Cooper. At the time I was only 2 months behind ( {$3000.00} ). In my application I was not asking for a reduction in principal, i was simply asking to have the 2 months that I was behind moved to the end of the loan. After going back and forth with the company providing all of the documentation requested some of it duplicates. After me reaching out to them on numerous occasions to get updates or to see if they needed any additional documentation, I received a letter from Mr. Cooper dated XX/XX/XXXX informing me that they have denied my modification request. Now I owe roughly {$34000.00} and they have initiated foreclosure proceedings. Just this week I received a sale date of XX/XX/XXXX. I feel like this process should not have taken 1 year and 6 months for them to make a decision. It is as if they want me to loose my home. I am hoping this complaint will shed some light on Mr. Cooper home loan company and there practices as well as help me to save my home.
Product: Credit card or prepaid card

its showing me a balance of XXXX which is not accurate and the balance needs to be removed. I tried to explain to the company but they never take it off my report it was around XX/XX/2019 when the account was here i am showing on the report. experian will not take it off and one of the other one did. I need it removed its showing a written off which is not accurate.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, No status has been given by XXXX ( see below reference ) XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies reporting Improper use of your report by the XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> Status : Open-Company response is in progress as of XX/XX/year> This CRA is in dire violation of the FCRA and the FTC and no one at the CFPB XXXX XXXX XXXX  XXXX so I will move forward with filing a Federal lawsuit against the CRAs and the CFPB for lack of enforcement.