23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my grave concerns and to file a formal complaint against American Express, their legal representation, XXXX XXXX XXXX, and notably, XXXX XXXX XXXX, regarding an account under my name. 

Overview of the Issue : Initially, I faced a debt with American Express of {$6600.00}. With a genuine desire to resolve the matter, I settled the debt for {$3600.00}, agreeing to a payment plan of $ XXXX  monthly. 

Everything proceeded smoothly until XXXX, when I had to close my bank account due to fraud. I immediately reached out to XXXX XXXX XXXX, hoping to adjust my payment method to my new bank account. However, they insisted on only speaking to my attorney. 

The journey with my legal representation has been tumultuous : In XXXX, I sought assistance from the XXXX XXXX XXXX ( XXXX ) for debt settlement. 
By XX/XX/XXXX, my case transitioned to XXXX XXXX. 
Eventually, my case was handed over to XXXX XXXX XXXX. They have been particularly non-communicative and appear to be in violation of ABA rules 1.3, 1.4, 1.5 ( b ), and 1.9 by not replying to me or other litigants. 
XXXX XXXX XXXX 's lack of communication left me in a precarious situation when XXXX XXXX XXXX took the drastic measure of filing for an interrogatory with the court, aiming to garnish the full amount. 

Remember XXXX stated I could not pay them directly because I had to have my attorney involved and yet they felt it appropriate to communicate with me directly regarding an interrogatory. They seem to want to have their cake and eat it too. 


Current Situation and Plea for Intervention : The absence of communication from XXXX XXXX XXXX and XXXX XXXX XXXX ' refusal to liaise directly with me has left me cornered, even though I have shown nothing but willingness to resolve the matter.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Equifax regarding the existence of these un approved inquires listed on my consumer report and i haven't heard anything back from Equifax. 
Also attached with my letter is the FTC report for the inquires 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: Debt collection

I opened an account with XXXX after being promised service at my address. The service was nonexistent, so I brought the phones to a corporate store in XXXX Montana as directed by XXXX customer service and returned them. They said I would not owe anything. ( Aka I was lied to about service and brought them back in the store in time ) The return was well within XXXX weeks, even though the XXXX site says up to 20 days. 

I received a bill anyway, and I responded by calling into XXXX customer service. I was told that it was taken care of and I didnt have to pay. Then I was sent to collections. I called in to that company and was told that I didnt have to worry based on the info provided and that it would go away. Now, radius global is trying to collect again. I submitted proof of my equipment return, and they did not accept it. 


The location in XXXX said they could do nothing but they accidentally didnt mark the phones as returned, hence the issue. 


Radius global has put a derogatory mark on my credit score now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX $ Creditor : Victoria secret XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Be advise this is not a refusal to pay, But a notice sent pursuant to the fair credit act 15 USC & 1692g stating your claim is disputed and validation is requested.This is NOT a request for verification or proof of my mailing adress, But a request for VALIDATION made pursuant to the above-named title and section. i respectfully request your offices provide me with competent evidence that I have and legal obligation to pay you. at this time, I will also inform you that if your offices have reported invalidation information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX XXXX ) this action constitute fraud under both federal and state laws.Due to this fact, IF any negative marks found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Validation of the fair credit reporting act, Violation of the fair debt collection practices act, and defamation of character the following declaration, I will require at least to investigate this information, During which time which time all collection activity must cease and desist, Also, During this validation period, IF any action is taken which could be considered detrimental to any of my credit reports.i will consult with my legal suit. This includes any listing of any information to a credit reporting repository that could inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your recept references to the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like in writing that no further telephone contact be made by your office
Product: Checking or savings account

I submitted a dispute for 3 transactions. 1 unauthorized the other paid by another method. The third one I was advised it could not be disputed because it was past 60 days. Recently the unauthorized transaction was as denied ; reason it is past 60 days and the other there was no reason given. When I called the bank they referred me back to the merchant. I asked to speak with a supervisor, called and emailed consumer relations for assistance several times I have not received a reply or call back. Its been 4 weeks. Ive given them enough time to resolve the problem with my checking account. Since then it was closed in the middle of a dispute with no notification or correspondence. The only notification I received was asking if I made changes to my XXXX profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. OneMain and XXXX XXXX. They need ti be updates.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX  Partial Acct # XXXX is not my account. I never open this account and it is still on my report. I called all XXXX bureaus to let them know this account is not mine. It was open on XX/XX/year> and at that time I was incarcerated. My release date was XXXX XXXX. I requested my credit report and saw XXXX accounts that I never open. I immediately called these credit cards and cancelled them but this one was not removed and it is hurting my ability to purchase a home. The address were these cards were mail was an address close to the prison. I know an employee stole my identity to open credit. 
Here is the address the cards were mailed. If you do an investigation you will find that an employee from the prison lived or lives at this address. 
XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME
Product: Student loan

I refinanced my student loans with XXXX  and the loan was funded on XX/XX/XXXX. At the time, an over payment had been made to my previous servicer because the payment was due around the same day the loans were refinancing. I contacted the company 3 times over the course of 45 business days to ask when my over payment would be applied and was told that I had to wait until 45 business days had expired. At the end of this period, I contacted XXXX/Mohela and was put in touch with a customer advocacy team. This team requested that I provide the check information from the previous servicer which I did. After several days I contacted the customer advocacy team again and they said they could not find my over payment and I would need to get a cop of the cleared check. So again, I reached out to my previous servicer who sent the information multiple times to XXXX/Mohela before they confirmed receipt. Its now been 4 months since my loan funded, I have contacted XXXX/Mohela over 18 times and have escalated my case multiple times with no anticipated resolution date. When I ask why the payment is not being applied Mohela says they are waiting to hear back from XXXX. Mohela agrees that I have made the payment and that I have proved that I made the payment. Mohela can not provide a time frame or resolution to this issue. They refuse to give me a direct phone line to a manager and tell me that I have to continue to wait. XXXX/Mohela cashed a check ( # XXXX ) in the amount of {$1600.00} from XXXX on XX/XX/XXXX. The check also contained a roster ( which I am not privy too ) specifying how payments should be applied. {$770.00} of that check should be applied to my account. See attached cleared check image. 

Account number : XXXX. Overpayment : {$770.00} ( XXXX  to XXXX/MOHELA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently view my credit report and i can see a unauthorized inquiry made by XXXXXXXX XXXX XXXXXXXX on XX/XX/2023.
Product: Student loan

I requested a refund for loan payments made during the payment pause and they told me it would take 30 days for the refund. It has been twice as long and my loan balance still has not been updated on Mohela 's website and I have not received my refund. I have called multiple times but the hold times have been hours long which I can not wait for during a workday.
Product: Money transfer, virtual currency, or money service

Earlier in XXXX ( XX/XX/2021 ), my friend had his phone stolen. From that stolen phone, a scammer asked me for some money. At the time I thought it was my friend because I did not know the phone was stolen. I transferred the money to the number via " XXXX XXXX  ''. 

Maybe an hour later, I learned that my friend had his phone stolen and a scammer was contacting me. I contacted XXXX and they told me to contact chase because the money had gone from my debit card through XXXX  cash. I opened a claim with Chase and I was refunded temporary credit. However today ( XX/XX/2021 ) I learned that Chase had researched and found that the transaction was authorized and was not going to pursue the claim. The temporary credit was going to be removed from my account. 

I called Chase again today and they said since it went through a 3rd party, they were not responsible for scams and couldn't do anything and would be removing the credits from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with XXXX XXXX  is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both XXXX and Transunion. I am demanding that XXXX XXXX  and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.
Product: Credit reporting or other personal consumer reports

This security agreement between me and ally financial clearly states the applicant and consigner has given an security interest in the vehicle to be purchased. We have not received any such interest. This could only mean the lender is misrepresenting themselves in my security interest which i know to be the highest level of fraud. Not to mention no repossessions notices none of the times you guys tried to steal my property.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX Received 2 letters from the bank. The first stating I attempted to open an account, the second ( XX/XX/year> ) stating that it was a fraudulent attempt using my personal or financial information and I should report it.
Product: Credit card or prepaid card

XXXX XXXX phone calls are not allowe on Sundays.
Product: Credit reporting

XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of CARE XXXX XXXX 's Tax Registration Certificate, all of which XXXX XXXX XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX XXXX XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, XXXX, and experian, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Product: Checking or savings account

My mother hired and paid a moving company on XX/XX/XXXX. I was at the new location as the movers completed the job. When they finished, the movers told me they hadn't been paid. I proceeded to pay the moving company again for the same moving job. 

Later, after speaking with my mother, we realized we both charged for the same job. We contacted the moving company and requested they refund the money that I paid them, since it was my mother who hired them. On XX/XX/XXXX, the moving company said they would refund me by XX/XX/XXXX. I attempted to contact the company on XX/XX/XXXX and XXXX after not receiving the refund. After not receiving a refund and no contact from the company, I filed a dispute with my bank on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that my bank denied my dispute claim, saying the information they got from the merchant showed it was a valid transaction. They send proof showing that I signed the receipt. I contacted the bank again and they were under the impression that my dispute was because I was charged twice. I clarified that I was not double-billed, it was that two different people were each charged for the same service. They said I should resubmit my claim. 

On XX/XX/XXXX, I resubmitted my claim, being more detailed in explaining the scenario and including the bank statements for both my mother and myself. I highlighted the charge from the moving company on both statements, showing they both posted on XX/XX/XXXX. 

On XX/XX/XXXX, I received notification that my claim was denied because I already submitted a claim for the transaction - even though the bank told me to resubmit the claim.
Product: Mortgage

Freedom Mortgage repeatedly contacted us by email, phone and mail for months about refinancing our existing mortgage with them. We finally gave in because we were told it would be a fast, seamless process, since we are existing customers and we could take cash out at closing to consolidate debt. 

XXXX XXXX, a loan officer with Freedom Mortgage, told us it would take 4-6 weeks to close our refinance. We began the process XX/XX/XXXX, and it is now XX/XX/XXXX, with no closure in sight. We have gone weeks on end without being able to contact anyone working on our loan. Our daily emails and calls went unanswered. We submitted confidential information containing our SSNs, wages, checking account information, etc., for it to be ultimately lost and having to start over completely with a new representative. Freedom Mortgage refused to give us a secure place to upload documents but instead suggested we encrypt the emails containing privy info. Anyone knows that when you never encrypt emails, but then suddenly encrypt 1 or 2, it is a giant red flag to hackers. This is not a secure or safe recommendations to customers and puts someones identity in danger. 

We paid {$300.00} for an appraisal that is now moot and lost for good because there won't be a way to continue with the refinance process as they are asking for cash at closing, even though its a cash out refinance where we should be receiving {$17000.00} in cash at closing after paying off a second mortgage. We have an email from a customer service rep promising closure by XX/XX/XXXX. Never one time was cash to close mentioned to us throughout the process of this nightmare. We were under the impression that closing costs would be deducted from the net cash we'd be receiving at closing. 

The lack of response to our emails and phone calls is one thing ( just frustrating and unprofessional ) but to promise a seamless closure in 4-6 weeks, losing very confidential documentation, transferring us to multiple representatives and having to supply confidential documentation again and again, and dragging us, our family and credit, through the mud for months with no communication, no accurate truth in lending statement or explanation thereof, is a complete bait and switch and failure on the part of Freedom Mortgage. Freedom Mortgage is conducting negligent business practices, common-law fraud, unjust enrichment advertising practices, all while subjecting its customers to privacy law violations, putting customer credit and identity profiles at risk.
Product: Checking or savings account

I filed a complaint against BOA for allowing me to be scammed by fraudulent lawyers.. the contact representative from BOA for CFPB complaints have not responded and listed an incorrect number for contact.the lawyers I paid never showed to court, BOA is allowing them to keep my money and not provide services