23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am writing a complaint about the finance company " Mosaic ''. This loan bank. This bank disbursed money to a company I contracted on XX/XX/XXXX to do solar and home improvement in my new home. The company name is " XXXX XXXX XXXX XXXX XXXX XXXX  '' and his CEO XXXX XXXX XXXX XXXX XXXX As of today XX/XX/XXXX the home improvement is not completed. I called Mosaic to ask about the money and see if it was already given to the company and they told me " yes, the money was given to the company already ''. 

XXXX XXXX XXXX XXXX XXXX office is closed, no one responded inquiries, no one contacted me for any details. I am paying a loan for a project I haven't seen. 

This financial company needs to be investigated, they shouldn't just hand out money to anyone without doing a proper research. I know about XXXX families that had the same situation happened with " Mosaic '' and " XXXX ''.
Product: Checking or savings account

XXXX remember the dates they closed my account and never took my fraud claim..
Product: Debt collection

I have received a debt owed with no notice, first noticed it on my credit report which lowered my credit score. This is a debt from XXXX XXXX for services from XXXX Im told. I did not have a internet account since XXXX. Moved in XX/XX/XXXX from this address. I have contacted this debt collection company for information on this debt 3 times asking for validation of this debt and receive 3 different answers, we never sent it to you, Yes we sent it to you we cant send it to you til we hear from XXXX XXXX XXXX. Meanwhile my credit is destroyed my this. This came to my attention XX/XX/XXXX and still no validation or corespondence. The companys name is EOS CCA XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Debit amount {$310.00} XXXX XXXX
Product: Debt collection

In XX/XX/XXXX i was contacted by Genesis Collections  trying to collect a debt from XXXX. I informed them then that this was not my debt and that police reports had been filed, a complaint was filed with the FTC and the original Creditor was notified about the filing and the identity theft. On XX/XX/XXXX Genesis Credit Management and Columbia Debt Recovery at XXXX have reported this fraudulent debt to my credit report inspite of them being notified that the debt is fraudulent and them being notified that all communication with the original creditor as required by federal law has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquires on my credit report that should not be there, I did not apply for anything
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays opened up a revolving line of credit, bank card, that is not my account. 
The local bank identified it as fraud, unauthorized user. 
A report came from the FTC describing a breach. 
Hired a credit repair firm, the account has not been removed from credit. 
The breach is not the same as receiving spam alerts and or humantraficking inquiries. 
Reported to the local police department and to the three credit agencies. 
I'd requested permission by an attorney, State Bar Association and I was told, " your not a criminal. '' There should be absolutely XXXX XXXX XXXX, recorded, against federal law. 
HIPAA violations should not be investigated outside of the United States. XXXX, Barclays Headquarters. 
Medical fraud has shut down health insurance accounts, so person ( XXXX ) could not steal up to XXXX XXXX, annual, health insurance coverage.
Product: Debt collection

I was a victim of identity theft on multiple occasions bank accounts emails phone numbers and id were all compromised also involved in XXXX data breach this company is aware the account is fraud but continue to report to XXXX  credit report the representative i spoke with the supervisor was very rude and told me they didn't care what i said they weren't going to do anything and demanded payment now phonemail took place on XX/XX/XXXX
Product: Debt collection

I am writing to file a formal complaint regarding the actions of CREDENCE RESOURCE MANAGE in relation to an alleged debt they claim I owe. Despite numerous requests, CREDENCE RESOURCE MANAGE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that CREDENCE RESOURCE MANAGE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices.

The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I dispute owing all debts to CREDENCE RESOURCE MANAGE and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ).

Additionally, I request that CREDENCE RESOURCE MANAGE provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim.

2. The purchase agreement between CREDENCE RESOURCE MANAGE and XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows CREDENCE RESOURCE MANAGE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX and CREDENCE RESOURCE MANAGE, because it will state CREDENCE RESOURCE MANAGE purchased this debt with the knowledge of this account not being 100 % accurate as well as not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of the bureaus. 
As well please provide documentation of every individual involved from both parties.

Include, names, emails, address, dates, and times of transactions and communication.

3. Furnish proof of licensing and bonding to operate as a debt collector.

4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. I did not receive proper communication. If in fact, if CREDENCE RESOURCE MANAGE believes they have provided proper notification. I am requesting you provide the receipt of certified mail with my name on it as well as my signature stating that I have properly received this information
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had something from XXXX put on my credit report in XXXX of this year .... I told sprint that i never opened a account and they maile me a fraud packet without any proof on who opened an account with my social security number .... Im trying to buy a house and now that lowered my credit score ... Im hoping that bringing this to your attention and investigating further will show that i never opened a account ... XXXX gave the account to a debt collector and the amount is XXXX dollars .... The debt collection who has this info telephone number is XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 





XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent {$400.00} worth of money to my brother in XXXX for his school fees via Money-gram online mobile wallet service. After I received the reference number, I sent it to my brother via XXXX. When I checked in with him if he received the money he replied, No and he had not received it yet. I was a bit confused because it was suppose to be instantaneous. 

I decided to call Money-gram customer service. They told me, give it 24 hours and if my brother, the receiver did not get it by then, call them back. 24 hour came and gone and still no money was in his mobile wallet. I called Money-gram customer service again, this time they told me, there is nothing they can do but give it 90 days to get some resolution. 

I contacted my brother to tell him the disappointed news and he wrote back a message via XXXX saying that the money was received by some other person which seems to have the same number as him, weirdly, however, the person contacted him to let him know they wanted to make sure the money get in to the right hands but my brother has to get in touch with the sender company to get the money properly transferred in to the correct account. All of this communication between my brother and the other person was screen shotted and later used to sent to the companys email. 

I was glad to get his information from my brother and shared it with Money-gram team, however, when I contacted money-gram via phone call to speak with their customer service rep and told them the good news, the rep told me to email the screen shot conversation. I did exactly what she said. I called back the next day to verify they got the email but was told that I have to continue waiting the duration of the 90 days before they can get to the resolution of the problem. 


I was extremely disappointed to hear its going to take 90 days in order to get some answers as to what happened to the money so I kept on calling them every week and it has now reached over 45 days and their response has been the same. My brother still havent gotten the money and currently can not attend school until he received the money. He is missing out on his college education and we still have no answers, besides wait until 90 days. 

I refuse to wait the entire 90 days for them to continue to tell me the same message ( That my brother recieved the money ) which I know its not true. I am extremely frustrated, mad, and confused on what I can do to get my money back. I would like to take them to small claims court but I know I have to try this step first before that. Can you all please help me get my money back.
Product: Checking or savings account

Ive supposed to receive my direct Deposit from Capital One Wednesday XX/XX/year> but Ive not received it as yet. They sent out an email XXXX hours later stating that they are experiencing technical issues. I was supposed to receive {$1200.00} for XXXX paycheck and still nothing today ( Friday XX/XX/year>. They stated that everything wouldve been resolved by Friday morning but still havent received anything. An upcoming Holiday is coming up and that would be such an inconvenience. This needs to be resolved as soon as possible
Product: Credit reporting or other personal consumer reports

I have two credit cards with XXXX XXXX  When I make purchases and have a balance on one or both cards my transunion score goes up and XXXX goes down. When I pay them off to avoid interest my transunion score goes down and XXXX goes up. It has always been my experience that credit card balances cause scores to go down and paying them off they go up. It was working the way it's suppose to with transunion but somewhere without me noticing until recently transunion now is doing it the opposite of the right way that they used to. My score will and should go down when I secure a balance and up XXXX  points more then it went down which is one easy way to build a score. Because of the illegitimate way that transunion is doing it my score goes up with a balance and down slightly more then it went up when I pay it off. The message from transunion to consumers is that the only way you can build your credit score is to maintain a balance on credit cards and hence pay interest. Pay interest or suffer bad credit. Transunion has been breaking the law in several ways for many years. Why is it that it took so long for a government agency to find out and do something about it and now their at it again and nobody is doing anything to monitor them? No company should be able to manipulate some ones credit without extreme oversight by a competent authority. Misinformation on a credit report has proven to be devastating to many consumers. Transunion should be shut down but the so called agencies that are in place to protect the consumer are not much better then those they are suppose to monitor. My transunion score is XXXX and XXXX is XXXX. I have never experienced this much of a difference between my scores and it is because transunion is not following credit reporting policies set by law. How does a company like this make their profit? Off of whose back?
Product: Debt collection

Last year with another collection company XXXX commissioned a different agency to collect a debt I do not owe and contacted CFPB to settle this {$110.00} bill, which XXXX never responded to. Instead sent this issue to a different collection agency to garner a different result. Now XXXX has commissioned Diversified Consultants, whom constantly calls my phone and has not addressed the previous issue which XXXX  breached the contract and did not provide the services I signed up for. I signed up for unlimited high speed services and was given what seemed like dial up services, ( slow and not unlimited ). So the contract was not what XXXX promised.
Product: Credit reporting or other personal consumer reports

Please Reinvestigate the inaccurate reporting on my consumer report
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable reporting. I have identified the following issues with this account : Identified Issues : XXXX. Inconsistent Comments Across Credit Bureaus : XXXX : Dispute resolved ; customer disagrees. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution ; closed or paid account/XXXX  balance. 
These inconsistent comments create confusion for lenders and XXXXay indicate unresolved disputes, despite the account being paid and closed.

2. Late Payment Reporting on a Closed Account : The payment history shows multiple 30-day late marks for a closed account with a {$0.00} balance. If the account is resolved and paid off, such marks should not appear unless accurate and verified.

3. Failure to Properly Update or Remove Dispute Comments : If the dispute is resolved, the comments section should reflect this. Leaving dispute-related remarks misrepresents the accounts current status. 
XXXX. Inconsistent Reporting Across Bureaus : XXXX uses inconsistent terms, reporting Closed or paid account/zero balance, while others simply state Closed or Paid. 
5. Inaccurate Reporting of Payment History : The presence of 30-day late marks on all three bureaus payment history while the account is current, paid, and closed with a {$0.00} balance could be misleading.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure accuracy and consistency in reporting. The discrepancies in dispute comments and payment history violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the dispute was resolved and the information remains incorrect, the credit bureaus may have failed to investigate and correct the errors properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may be furnishing inaccurate or misleading information regarding payment history and dispute resolution.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments or dispute comments may be obsolete and improperly retained beyond the allowable reporting period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw hard inquiries on my credit report that need to be removed. 

XXXX XX/XX/2022 Credit Plus XX/XX/2022
Product: Checking or savings account

I noticed my account was debited both ACH and debit card charged for company call XXXX XXXX XXXX XXXX chase reversed charges except two charges in the amount of XXXX and XXXX they refuse to credit back I sent in my police report for claim they won't accept.
Product: Checking or savings account

For a savings account promotion, the bonus requirement is tiered like this : deposit 20,000+ dollars and maintain 60 days you get XXXX dollars credit ( deposit 5,000~XXXX for the same time, you get XXXX ; 10,000~XXXX, you get XXXX ; 20,000~XXXX, you get XXXX ; 50,000+, you get XXXX ). I met the bonus requirement and received their mailed congrats letter saying " Your {$100.00} bonus has been deposited ''. The correct amount should be {$200.00}, instead. 

I made several phone calls to escalate the issue and ask their preferred customer team and marketing team to research into this. They have checked my account and agreed with me over phone that I am eligible for the {$200.00}. They have created two case numbers : the newer is XXXX. 

The original reference number on the bottom of the letter they sent to me is : XXXX. 

I spent almost 3 hours in total talking to them over the phone. What surprised me is they just created a case and then no follow-up. Now I have to spend another half an hour to escalate on CFPB. 

There seems some glitch with their ( Bank of America 's ) bonus tracking system. We've seen many complaints about bonus not tracked correctly for their various promotions on CFPB. It's time for their IT team to fix this and save customers ' time.
Product: Credit reporting or other personal consumer reports

This is starting to seem like a joke. Complaint # XXXX has not been address so its not clear why the complaint was closed. There were specific demands made in that complaint which has neither been provided or addressed. XXXX / XXXX XXXX is engaged in concocting and fabricating bogus defamatory reports with it delivers to various institutions to engage in discrimination. I demanded what information was provided by XXXX XXXX XXXX XXXX Bank XXXX This information has not been provided. I demamded also whatever this nonsense is that you fabricated and provided to various institutions to make false bogus decisions. If you again refiuse to provide the information, I will have to sue you to compel delivery of what is being requested. If CFPB is not an agency that enforces the XXXX, then make to phony claim to have such an obligation when the CFPB encourages these entities to be openly engaging in discrimination.
Product: Debt collection

I formally dispute an account listed on my credit report by XXXXXXXX XXXX Account # XXXX. The account details are as follows : Account Name : XXXXXXXX XXXX  Account # XXXX I have never engaged in any business with XXXX XXXX Account # XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " 1 month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with XXXXXXXX XXXX Account # XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with XXXX XXXX  Account # XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App, operated by Block , Inc., on the grounds of inadequate customer service and unfair business practices in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on its platform, thereby compromising the security and protection of my account.

Additionally, the companys dispute resolution process was both unfair and deceptive, failing to adhere to the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in substantial financial loss and inconvenience. Accordingly, I am seeking appropriate legal redress to remedy these violations and ensure compliance with applicable consumer protection laws.