23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Money Network card through XXXX XXXX. I 've had the card for about 6 or 7 months. I had direct deposit through my previous employer with no problems. I have even loaded money onto the card through XXXX with no problems. 
I am at a new job now and have direct deposit set up going to my Money Network card. 
They froze my account and wanted me to verify my identity. I faxed the documents they requested which was my I.D . then wait 48-72 hours for their compliance department to process. 
After waiting the 72 hours, they said they never received anything. So I faxed again. 
This time I faxed I.D., social security card, check stubs. That was Friday X/XX/2017 so I had to wait over the weekend and then the full 72 hours. 
Now they are saying they cant read my I.D . and I need to re-fax for a third time and wait 72 more hours. My paycheck is sitting there froze.
Product: Debt collection

Remove creditor from credit report This is not my debt - Creditor doesnt show my name in their system nor amount that has been entered on my credit report, not service Request removal asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC Section 1681 Section 604 A Section 2 : It also states a consumer to furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.
Product: Vehicle loan or lease

I contacted exeter finance at XXXX at this point is daily. This company owes me about XXXX for a overage in payments sent in XXXX separate checks. They have told me check was sent XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX now XX/XX/XXXX. Each time I requested proof checks were sent. I was told no that isn't allowed or I was told give us XXXX to XXXX hours but never given any information. They received payments on timely manner and are now withholding money that does not pertain to them.
Product: Mortgage

XXXX bought my mortgage from another company in XXXX this year. For 6 years I had not missed a payment but once my loan was transferred I 've had issues trying to give them my payments and set up auto payments, ranging from not knowing the account was ever bought by XXXX, to continual issues logging in to their site to pay ( even at this moment I get an error upon attempting to log in XXXX, to not being able to get through the automatic voice system, to incorrect auto payment set up and never hearing about it until my home went into default for a second time and credit agencies being notified - all this despite the home payment being well within my affordability. 

After 8 months, my first improper credit ding was said to have been submitted to credit agencies for correction, while at the same time, unknown to me, my auto draft was n't pulling from XXXX/XXXX/2017 to XXXX/XXXX/2017, so on XXXX I received a letter from XXXX stating that they were in foreclosure proceedings and that credit agencies had been notified again. The payment on this home in less than {$600.00}, which is less that 10 % of my monthly income and I 've never even had a credit card nor am I behind on any other sort of payment ... my ability to afford payments is NOT the issue, yet they have seriously impacted my credit score.
Product: Credit card

Customer Service Department American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Denied Claims and Unauthorized Charges Dear Sir/Madam, I am writing to formally lodge a complaint regarding two claims that were denied and subsequently debited back to my account. The original claims were filed in XXXX for several charges that occurred from XXXX XXXX. I explained during the filing process that I have never used XXXX XXXX  before. Additionally, there were multiple charges filed in different claims against XXXX and several other booking sites. 

Membership Number : XXXX Amex Reference Number : XXXX Amount : {$5600.00} Membership Number : XXXX Amex Reference Number : XXXX Amount : {$7800.00} A representative from American Express contacted me , stating they wanted to discuss the situation to protect " my interests and the interests of the business. '' During this conversation, I explained that the only possible scenario I could think of was that my card was left in my condo when it was rented out on XXXX. It is possible that a guest used my card information along with my XXXX which contains my email and other personal information. 

Despite my explanation, the representative did not consider my account and simply informed me that the charges would be reversed and rebilled. This has resulted in the following communication from American Express : " Dear XXXX XXXX, We are writing to you because you recently contacted us about a charge ( s ) on your account. According to our records, you provided your account number to a Merchant. By doing so, you are giving them permission to charge your account. Based on this information, we will not be able to handle this as a fraud dispute. Since we previously issued credit, we have removed this credit in the amount of {$5600.00} from your account. This adjustment will appear on an upcoming statement. If you wish to pursue this matter further, you should contact the Merchant directly. '' Due to this decision, my account is now almost {$10000.00} negative. This situation is both distressing and unacceptable. I reiterate that I have never authorized these charges, nor have I used the services in question. I am requesting an immediate reversal of these charges back to my account. 

If this matter is not resolved promptly and satisfactorily, I will have no choice but to pursue legal action to protect my rights and recover the disputed amounts. 

I trust that American Express values its customers and will act promptly to rectify this issue. Please contact me at your earliest convenience to confirm the reversal of these charges. 

Thank you for your attention to this urgent matter.
Product: Mortgage

I received a XXXX XXXX for {$160000.00} from Real Time Resolutions , Inc. ( " RTR '' ) for a foreclosure on a lot in XXXX XXXX Florida I purchased in XXXX. XXXX XXXX XXXX held the interest-only mortgage at the time of the foreclosure in XXXX at which time they issued a XXXX stating the principal balance was {$230000.00} and the XXXX of the property was {$34000.00}. At the time of the purchase XXXXs own appraiser appraised the property for {$250000.00} and lent me and a partner {$230000.00} ( 95 % ). They then transferred the loan to a XXXX XXXX XXXX spin-off XXXX who sold the loan to RTR who is now sending me a XXXX. They did not send one to my 50 % partner who signed the mortgage docs and sent me a XXXX for the total amount. I contend that XXXX was my lender and they should send me the XXXX which should be for no more than half the amount due. Also, I contend the amount is too great. XXXX predatory lending practices lead to the overpaying for this lot which they contend was worth just $ XXXX a the time of the foreclosure ( three years later ). This reporting was handled completely wrong by RTR. I wrote to them in XXXX and they have not responded.
Product: Checking or savings account

Wells Fargo Settlement only paid me XXXX something dollars and never told me why I was paid that ount. I banked with them more than 10 years ago.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding fraudulent accounts and transactions that have appeared on my credit report. I have been a victim of identity theft, and despite my efforts to secure my personal information and protect my credit, these unauthorized accounts and transactions continue to harm my financial standing. 
To mitigate further damage, I have placed the following fraud alert on my credit reports : " ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. '' Despite this alert and multiple disputes, it appears that fraudulent applications and accounts have been opened in my name, which is deeply concerning and frustrating. These unauthorized entries are negatively impacting my credit score and affecting my ability to access financial opportunities. I have taken appropriate steps by filing a report with the Federal Trade Commission ( FTC ) and notifying the relevant financial institutions, yet these fraudulent accounts remain on my credit report.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach below and attachments
Product: Debt collection

I received notification that a collection account was added to my credit reports on XX/XX/2019. I filed a complaint with CFPB on XX/XX/19. The company responded on XX/XX/19 that they would contact the creditor and send me documentation of this alleged debt. I never received the documentation. On XX/XX/19, I sent a debt validation letter to the company addressed to XXXX XXXX at XXXX as per his response to my CFPB complaint. It is now XX/XX/19 and I have not heard from the company at all in regards to this alleged debt. They have not been able to provide any documentation showing that this debt belongs to me. I want this account removed from all credit reporting agencies immediately. 

Please see CFPB Complaint XXXX
Product: Mortgage

At the end of XX/XX/XXXX I refinanced my mortgage with Ditech. They received the wire to payoff my mortgage ( which was sent by the title company based on their payoff instructions ) on XX/XX/2019. I have the wire operations confirmation. The routing and account number the title company used was correct ( we verified that with Ditech. ) I received a late payment notice on XX/XX/XXXX stating that my mortgage payment was late, I was assessed a late fee, and it still showed the full balance of my loan. The {$250000.00} that was wired to Ditech was never credited to my account. After several HOURS on the phone with customer service I spoke to XXXX who claimed to be a supervisor. He said he has no idea what happened to the wire, but that it was not applied to my account. He said he could not verify that they received it. I asked to speak with his supervisor and he said she was on vacation and there were no other supervisors I could speak to. He said they would try to call me back in 3-5 business days. 
I now have TWO MORTGAGES on the same house, and Ditech can not tell me what happened to my wire ( that I have confirmation that they received. )
Product: Credit reporting or other personal consumer reports

Hello CFPB im Making My Complaint Today Against XXXX XXXX XXXX They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because This Company Is Not Licensed & Bonded In The State Of Georgia To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have Trauma This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence.

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you XXXX XXXX XXXX  that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Product: Credit reporting or other personal consumer reports

I was affected by XXXX and Experian data breach. My information was hacked and leaked. This Credit reporting agency is in violation of FRCA laws. 

According to FRCA 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after date of receipt. 

1681g ( a ) 1 Information on files, source, reporting receiptents. 
_Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer ; ( 1 ) All information in the consumer 's file at the time of request. This agency in violation of not being able to supply what you have on file to verify the following accounts : XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX  ( acct # XXXX ) XXXX XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX XXXX ( acct # XXXX ) XXXX XXXXXXXX XXXX acct # XXXX ) XXXX XXXX XXXX acct # XXXX )
Product: Checking or savings account

CashApp closed my account simply because I filed a complaint with Consumer Finance Protection Bureau ( CFPB ). I did not reach out to CashApp after filing the complaint and the closure of my account came 8 days after filing the report. I believe this is an unfair treatment and my account was wrongfully closed. I will attach a screenshot of the email saying they have closed my account. I also want whoever reading this that the sole reason is because I filed this complaint that my account on CashApp has been closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts 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 Original creditor has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX for the first time in several years to retrieve my Transunion report to lift freeze and dispute a collection account not mine was unable to access after answering questions correctly. 

I was told I had already received try back XXXX XXXX. 

XXXX is reporting a collection debt that has never been mine. I only had a wifi connection with XXXX XXXX XXXX XXXX. My cellular company for several years has been XXXX XXXX.
Product: Checking or savings account

My Columbia Bank was acquired by Umpqua Bank several years ago? last time when I saw the bank account, Columbia Bank charged me NSF even though I had opted out NSF. They did not willing to adjust. since then I did not bother using its bank account. 
later I found out it was purchased by Umqua Bank because Columba bank branches were gone. Since XXXX, I have been out of the country and I visited XXXX back time to time. 
when I came back in XX/XX/XXXX, I went to XXXX XXXX to be active in my online banking. However, I discovered there is {$70.00} ( {$10.00} x 7 months ) fee was charged so I tried to get a refund. The branch teller was not willing to reverse the charge. Instead, I was told that I have to get a Secured Credit Card to get these fees during an inactive account. I told her I was not aware. The teller said she could not ask the branch manager if I did not get a secured Card to show I have an established client relationship with the bank. It is a separate issue. It is like bribing if I do not purchase the service they will not return my money. She kept saying that they sent me a letter but I was not aware. Basically, I did not agree. Therefore I closed an account. I could have kept the client relationship if they returned the money. The teller did not know when they sent me a letter.
Product: Debt collection

Ford Motor Credit continues to contact me at a work number that I have asked to not be contacted at, as per the company that I work for does not allow personal phone calls. XX/XX/XXXX - I spoke with XXXX as he called my work phone number. I advised XXXX that I was not allowed to have personal calls at work. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that he would need to call our cell phone. XXXX stated that my work number would be removed. XX/XX/XXXX - Spoke with another agent XXXX, as they called my work line. I immediately advised that the number they were calling was to be taken out of the account as it was a work number, and I am not allowed to have personal calls on that line. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that I have asked to have the number removed. XXXX stated that my work number would be removed. XX/XX/XXXX - XXXX from Ford Credit called my work number and had spoke with a co-worker letting my co-worker know that she needed to speak to me that she was calling for a personal matter. I immediately asked why they were calling my work number as I have asked twice that they not call since I can not have personal calls at work. I was told that she was unable to reach my husband on his cell phone so they could call me at work. I advised that this was against the law since I have already asked twice for my work number to be removed and my request have been disregarded. I did let the representative know that I will be sending a complaint and asked that my work number be removed. The representative stated that she will remove my work number.
Product: Credit card

Applied for a credit card was declined. Never received any reason I was declined. Could be because I settled a lawsuit with them for their practices already once. I have excellent credit. I have moved and have a new address now and applied under the new address. It was done at Lowes and the bank issuing the card is Sychrony Bank.
Product: Debt collection

I, have been getting notices from Dynamic Recorvery Solutions, LLC saying that I owe XXXX XXXX Dollars. Aparently when I have spoken to this company back in XX/XX/XXXX, This was a loan amount from XX/XX/XXXX. However, I never used XXXX for a loans. I have asked this company to stop contacting me on this matter, and I have spoken to XXXX. And was told by XXXX that this matter have been resolved. I spoke to XXXX Regional Offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been incarcerated.
Product: Credit reporting or other personal consumer reports

***SECOND REQUEST*** Due to LexisNexis alleging that they were unable to verify my identity, despite being provided my full name, address, phone number, social security number and email ( the same one they allegedly attempted to contact me at ) I am submitting the same complaint, along with a copy of a recent utility bill, my IL drivers license, and as a copy of my social security card in addition to the previously submitted documents. 

There is an unverifiable public record reporting on my credit report. I contacted the court listed to which they advised that do not share any personal identifying information with any third party. I personally did not authorize any third party to collect and share my personal identifying information with any person or company. I have previously disputed this public record with XXXX and XXXX to which they have responded that it has been verified as accurate. This is not true. I spoke with XXXX today and they have advised that LexisNexis reported the information as accurate. This is a violation under 15 U.S. Code 1681b. I previously spoke with LexisNexis and they advised that they were unable to verify the public record and removed the entry from their database. I will be attaching the letter from the courthouse which states that they did not share my personal identifying information. I will also be attaching the letter I received from LexisNexis that stated they were unable to verify the public record and previously removed it from their database.
Product: Debt collection

From XX/XX/XXXX I requested the original written agreement with my signature from the collection agency and its yet to be provided. 
Since then Ive reached out several times and its still not provided. My time reaching out was XX/XX/XXXX and they sent me photocopies of old invoices. I want a written agreement with my signature that I have an agreement with them To collect what they said I owe. I also want to know how much did they pay the original owner of the debt thats charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely paid off and closed my FL XXXX XXXX XXXX XXXX account in XXXX. It is showing up a multiple reports with inaccurate representation of the amount owed. Each bureau has a different reporting from this company. Multiple accounts showed that I have paid and closed my account with them. On XX/XX/XXXX, they added inaccurate remarks to this account by putting that I owe {$XXXX}. I have documentation to show proof of inaccurate information. Reporting information that is inaccurate or not reported correctly violates the FCRA. It has led to much personal and mental distress plus financial damage by not removing the account and falsely reporting information. I have contacted this company over 3 times without receiving any type of resolution, verification, or remedy for each of these violations.