23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I got a notice from my job that they were moving out of state and that I would be laid off in 6 months. I informed my servicer that my income will be changing and submitted my severance letter to them. I applied for a loan modification and was denied. Their representative told me it was because I was not 60 day behind. I asked her if I had to be 60 days behind in order to be approved, I was told yes. I went 60 past due and applied again. I was granted a forbearance not a modification. Then Covid-19 happened. Right when I was hired at a new job in XXXX of XXXX I informed my servicer and made a payment. A week later I was laid off due to Covid-19. I made my servicer aware that I was now laid off due to Covid-19. Again, I was not offered any Covid-19 relief. I asked why and a representative says it's because I was past due in XX/XX/XXXX advised her that I was only behind due to their instruction on how I was going to qualify for a loan modification. I was told I had an unemployment forbearance once that forbearance had expired I was still unemployed due to Covid-19, again I was not given nor offered any type of Covid-19 relief. I was denied repeatedly for a modification and my credit is ruined because they are reporting a year 's worth of non-payments. I wrote them a letter informing them that if not the first forbearance but at least the second and third forbearance should have been under Covid-19. I had to pay XXXX XXXX XXXX for 3 months. I submitted to them the same information I submitted to my servicer. Still I have asked for some one in management to assist me with resolving this issue, I get no response or resolution from them. I believe the way my account was handled was deceptive and unfair collection practices. I was TOLD by my servicer to go 60 delinquent. I have asked them to pull the call they haven't I asked them to pull all my calls to see how I was treated and how my account was just completed disregarded even though I had an legitimate hardship according to their own literature that they sent me. So why was I repeatedly denied? I feel like they just wanted to foreclose on me. I received no assistance, direction or information on how best to keep my account in good standing while experiencing a hardship first due to my job leaving the state and second due to me losing a job because of Covid0-19. They should not be allowed to toy with people 's lively hoods. They threatened the wellbeing and livelihood of me and my special needs son by not taking our hardship seriously and by not trying to find a resolution. They either wanted all money upfront to reinstate the loan or it was going to be foreclosure. I have asked them to retract the months off my credit history and provide me the Covid-19 relief I'm entitled to. My account would have never gone past due if it wasn't for their direction telling me it's the only way they would approve a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

The debt collection company MSB Municipal Services Bureau did not respond to my letter of dispute and I also requested them to validate the debt. Instead, they sent me a second notice indicating that they gave me the opportunity to dispute and there was no notification received by their office. After receiving their XXXX notice I called them at XXXX the XXXX representative was very rude and snide when speaking to me, he then put another representative on the line and he admitted that MSB did in fact receive my letter of dispute and request for validation of the debt. The representative then said that because the XXXX letter was already sent that I could no longer dispute nor did they have to validate the debt. My initial dispute and request to validate the debt was completed within the XXXX day time frame allowed by law.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to Discover that has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago, I received a notification of a " missed payment '' from XXXX XXXX from a company named XXXX XXXX XXXX, which I have never heard of. After checking my credit report to verify, I filed an investigation through Equifax to fix the issue. After a couple of weeks, Equifax concluded that the account was mine and should contact XXXX XXXX XXXX, whom they blamed. I tried to contact said company and struggled to get a hold of anyone. Soon after, I filed a complaint with XXXX against XXXX XXXX. They contacted me the next day, assuring me that they did not have any of my information and that it was impossible for them to file against my credit. With that said, I called Equifax again, and I was simply in the middle of two companies blaming each other. Finally, Equifax realized their mistake and started another investigation. I THEN REALIZED THERE IS ANOTHER SOCIAL SECURITY NUMBER LINKED TO MY EQUIFAX REPORT AS " ANOTHER FORM OF ID ''. Thus, I filed another complaint, which they " resolved '' with the following message " we have reviewed your concerns and our conclusions are : the disputed variations of SOCILA security number has been deleted from your credit file. '' Unfortunately, the variations are incorrect and the same another form of ID remains linked to my account. With that being, I have attempted to resolve the issue with Equifax, unfortunately my attempts have been futile. The company has yet to fix the problem and only seems to be making it worse.
Product: Checking or savings account

My bank is 5th 3rd National Bank. I wrote a check ( # XXXX ) for {$100.00}. The check was dated XX/XX/XXXX. The check was cashed by the bank on XX/XX/XXXX. This was about 2 weeks after the 6 month validity period for the check. The check on its face says the check is void after 90 days. The bank confirmed the check was not valid, but they had still cashed it. The bank refused to refund the money. So I guess they would cash any void check ( eg. XXXX XXXX XXXX ).
Product: Credit card or prepaid card

I have been a loyal customer for many years. I have always paid my bill right on time. Ive never maxed out my credit card. I have good credit overall. The first and only time that Ive ever had a problem with my Lowes credit card. Im getting the runaround. I got a bill. They told me I old money considering we knew that we had not use the card in recent months. We knew that we didnt know anything. We logged on, and sure enough there were charges that were made in another state that was close to 1000 miles away from us. We dont know who made the charges we did not benefit from the charges we didnt get permission to anybody to make the charges this completely caught us by surprise. Very stressed and worried we called the bank. We are told. Dont worry. We will take care of this. You reassured us that we are not liable for fraudulent charges. That put my mind at rest I thought OK the bank is going to take care of it. This is why weve been so loyal to Lowes for all these years. After months have gone by, all the sudden we owe a balance again at first we thought it had happened again. But now its the fraudulent charges that have been added back to our account and I have no idea why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my case.
Product: Debt collection

We received a notice from a dept collection agent that we owed XXXX XXXX  approximately {$500.00}. We have not done business with XXXX in well over 15 years. In fact the last time we did do business with them, it was to sue them and we settled for about XXXX. I was in XXXX by a non-insured motorist in 2006 with no drivers license, no insurance, and driving a borrowed vehicle. I was almost paralyzed, my truck was totaled and I had to apply everything to my own insurance. XXXX immediately gave me the run around so we sued and eventually settled for XXXX. This bill from a collection agency is clearly way past any statute of limitations. This agency has clearly bought this bill hoping for some kind of resolve, but we NOT are recognizing this as a legitimate debt. 

We have sent them a letter and asked them to discontinue contacting us under the Federal Fair Debt Collection Practices Act under Section 1692C Title 15, they must discontinue contacting us, for debts that are clearly not legitimate, but they have not. We have received another letter from them clearly ignoring our request. 

We are therefore filling this formal complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my federally protected rights under the FCRA, XXXX, and XXXX, XXXX and Equifax is reporting and alleged " collection account '' with DIVERSIFIED RECEIVABLES to be reported on my credit report. Under the law a " collection account '' is considered income under the law and should thus not be reporting as a debt. Additionally, the account is incorrectly listed as both " open '' and a " collection account '' which under the law is a violation since I am entitled to " maximum accuracy '' on all three credit reports reported by all three CRAs. This account is also currently NOT reporting on my XXXX credit report thus I do not currently have " maximum accuracy '' across all three CRAs.. Reporting of this account is also in violation of 16 CFR 313.10 which states that I have right to not have my nonpublic personal information disclosed to a non-affiliate. By fact that the original creditor sold my nonpublic personal information, without my written consent, to DIVERSIFIED RECEIVABLES, they violated the CFR. Additionally, because the debt was in fact sold to DIVERSIFIED RECEIVABLES, it is no longer debt and has thus converted to income. I have no financial relationship nor contractual obligation with DIVERSIFIED RECEIVABLES. The reporting of this account on my Equifax and XXXX credit report is also in violation of The Privacy Act of 1974. This account is also in violation of my federally protected right under 15 USC 1681a ( 2 ) ( i ) which states that the consumer report 's rules of construction have EXCEPTIONS which include the transaction history between " the consumer and the person making the report ''. It also violates 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, and 15 USC 1681f, and 15 USC 1681g. This account also violates XXXX, specifically " deceptive and abusive practices '' because DIVERSIFIED RECEIVABLES is listed on my credit report as " COLLECTION AGENCY/ATTORNEY ''. Yet, DIVERSIFIED RECEIVABLES is NOT an attorney and thus are misrepresenting themselves to deliberately mislead me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite having been required to provide a LOT of personal information to register an account with Transunion, they will not let me log into my account to start a new dispute. For a multiple day period ( XX/XX/2019 ) any time I try to log in the login is canceled with the error : " We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. '' I suspect they are permanently " experiencing '' fake technical difficulties to prevent consumers from starting disputes.
Product: Credit reporting or other personal consumer reports

I didn't receive the statement My address was not updated and also I was out of the country. The company does not have any number to call to pay bill if one is out of the country.
Product: Credit card or prepaid card

I have a credit card with US Bank that had an {$8500.00} credit limit. Minus one payment that was made 30 days past due, the rest were all made before that time frame. My fianc lost her job in XXXX of last year and it was difficult to keep up with the over $ 300 monthly payments. I was still making them however, with a few being between 5-15 days past the due date. Had spoken to someone at the bank branch several months ago and was told as long as the payments were made by a certain time there would be no issue. Two weeks ago I paid off almost the entire balance, {$8000.00} out of {$8700.00}. Today when I checked my account I saw they had decreased the credit limit from {$8500.00} to {$1800.00}. Without warning, and with no explanation over the phone. I contacted them a second time and they stated it was because of those payments that were 5-15 days past the due date that they decreased the limit by that much. What they also did however was ruin my credit because by decreasing the credit limit by that much it now looks like the credit card is almost maxed out which will hurt my credit score instead of improving it like it would have been with having paid the majority of the balance off. My fianc called US Bank today, XX/XX/23, and despite telling them I had spoken to the branch several months ago, and that we had just paid a very large sum of money onto it at the beginning of XXXX, they refused to increase the limit at all. They told my fianc we would have to make on time payments for at least 6 months before theyll approve any increase. We had very specific plans of using some of the available credit to fund our wedding next week and we will no longer be able to do that. We had family members flying out for that. US Bank needs to make this right. I would understand decreasing the credit limit even by half, but a {$6700.00} decrease is a huge amount for payments that werent even 30 days late and had already been previously discussed with the branch.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 at XXXX with Transaction ID : XXXX I sent the total amount of {$1500.00} to My account in XXXX ( XXXXXXXX XXXX XXXXXXXX, Acct # XXXX ) exchange rate of {$1.00} to XXXXXXXX XXXX through WorldRemit Services. As of today, XX/XX/23, no money has been credited/deposited into my XXXX  account, even though their receipt says delivered. Multiple attempts to reach WorldRemit have been unsuccessful. This has incurred pain and suffering because the money was meant for emergency medical needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from Comenity Bank XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank XXXXc is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Ma'am, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The first inquiry in question was apparently made by XXXX on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 there was a fraudulent transaction on my Paypal account for a ticket purchase. I immediately reported it to Paypal and I received an email confirmation from them that my report had been received, that no payments would be made to the seller in said transaction and they also sent a transaction cancellation confirmation. Then PayPal attempted to fraudulently ( without my authorization ) move funds from my bank account to my PayPal account on XX/XX/2021 and when my bank denied it, PayPal then attempted ( again without my authorization ) to fraudulently charge my debit card on XXXX XXXX. 

After their fail attempt to move funds they put my Paypal balance account on the negative for the amount of the fraudulent transaction reported, {$1100.00} and started deying my cases without ever providing any evidence of the transaction not being unauthorized. 

After several weeks, Paypal finally accepted my case and on XX/XX/202 through their message center they wrote they were accepting the transaction as unauthorized and were going to fully refund my account. 

We are now on XX/XX/2021 and my account is still negative as it shows I owe the amount of said unauthorized transaction. 

I have made contact again through their message system and they continue to not act on this claim and on their promise to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing furture information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. 


My information is below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ohio XXXX Birthdate : XX/XX/XXXX Social Security:XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX XXXX XX/XX/year> Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Subject : Formal Complaint and Dispute of Debt Collection Practices To Whom It May Concern, I am writing to formally dispute the debt collection account referenced in my consumer report and to lodge a complaint against Caine & Weiner for violations of federal consumer protection laws. 

XXXX XXXX XXXX Background : Caine & Weiner has placed a collection account on my consumer report. However, the agency has failed to provide the required validation information in accordance with 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have not been given an opportunity to dispute this account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's actions violate my consumer rights and constitute the use of false, misleading, and deceptive means in debt collection practices. XXXX XXXX XXXX  Violations : 1. **Failure to Provide Validation Information : ** According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide certain validation information to the consumer. To date, I have not received any such validation from Caine & Weiner. 

XXXX. **Failure to Provide Opportunity to Dispute : ** Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given the opportunity to dispute the debt. This has not occurred, thereby violating my rights as a consumer.

3. **False, Misleading, and Deceptive Practices : ** By placing the collection on my consumer report without providing the necessary validation and dispute opportunities, Caine & Weiner is employing false, misleading, and deceptive means in violation of 12 CFR 1006.34 ( d ).

4. **Unauthorized Furnishing of Account Information : ** Caine & Weiner has no authority to furnish any account information to consumer reporting agencies without providing all disclosures required by law. This act is in clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

# # # Requested Actions : 1. **Immediate Removal of Collection Account : ** I demand the immediate removal of the collection account from all consumer reporting agencies.

2. **Provision of Validation Information : ** I request that Caine & Weiner provide all validation information for the alleged debt as required by 12 CFR 1006.34 ( b ) ( 5 ).

3. **Confirmation of Dispute Opportunity : ** Confirm that I have the right to dispute the debt and provide clear instructions on how to do so in compliance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

4. **Cease Further Collection Activities : ** Cease all collection activities until the above issues are resolved and compliance with federal laws is achieved.

Please respond to this letter within 30 days of receipt to avoid further action. Failure to address these issues promptly will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Cash app send me a message on XX/XX/2023 regarding my mother doing a dispute and cash app is taking the money out my amount. Then I looked at my bank account 5 minutes later and {$800.00} was debt out my account. This was not authorized. This is the second time cash app took {$800.00} from my account. The {$800.00} that they took out my account was already returned to my mother from me on cash app on XX/XX/2023. She sent it to me of the amount of {$800.00} first on XX/XX/2023. When I cashed out the {$800.00} it was a instant fee of {$14.00}, so XXXX was cashed into my bank account. Cash app debit my account of {$800.00} ( which was unauthorized that money was returned to me ). I also send my mother {$810.00} on cash app returning that {$800.00} that she send me. This was in XX/XX/2023. I did a dispute with my bank and also cash app on XX/XX/2023. My mother said she did a dispute that had nothing to do with me with her bank. She said that she did a dispute in the beginning of XXXX. She received her money on XX/XX/XXXX regarding her claim that had nothing to do with me. I don't understand why her bank or cash app will take my money out my account. She said that the month that they took from me was not return to her in her bank account nor cash app. I do have all my receipts.