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

the federal reserve has my money. 

i had multiple confirmation that discover bank already sent the funds to the federal reserve. The funds haven't been received by the beneficiary
Product: Debt collection

I have received ( and continue to receive ) automated calls, roughly twice per month from CMRE Financial Services. CMRE is attempting to collect debt from someone who is not me, a friend, relative, or anyone I have ever heard of. I have called CMRE 3 separate times to inform them that they have the wrong number and to please stop calling me. They have not done this and continue to call me ( most recently today XX/XX/19 ).
Product: Vehicle loan or lease

They keep on showing missed payments this account was closed and it's making my credit score go down and they just keep putting more things on and adding stuff
Product: Payday loan, title loan, or personal loan

I received a letter from an attorney that credit box has placed a collection with them for {$7800.00} for a loan amount of {$1500.00} that's XXXX in interest.
Product: Debt collection

I think this is about an old Target Credit Card Debt that is too old that the Statute of Limitations has run out on. These people keep calling and leaving messages on m son 's phone and this is the third time they have threatened me. I wrote a letter to Target to quit trying to collect long ago, so this is a clear violation of the Fair Debt Collection Practices Act. I have complained bout this before but they have never been punished. The following is an exact transcript of the message they left on the phone with the case no. and return phone number. 

" This message is for XXXX XXXX XXXX Case number is XXXX. My name is XXXX XXXX with the Central Processing Office. I 'm contacting you in reference to a complaint registered against you. You will need to contact the firm handling your case XXXX. Now, XXXX, if there is no response, the firm will be forced to make a decision on your case without your consent. Please keep in mind this is a time sensitive matter that requires immediate attention. Once again, that telephone number is XXXX ''.
Product: Checking or savings account

On XXXX XXXX XXXX, there was money paid to XXXX for the amounts of : {$4100.00}, {$3900.00}, {$4000.00}, {$51.00}, {$51.00}. I called Allybank because I received an email from Ally bank about fraud activity. I told them that I did not make those purchases and that in early XXXX I had lost my phone which had access to all my passwords and applications to my bank account, credit cards, and other applications such as XXXX. They said they would investigate then a few days later I called to follow up and the Ally representative told me they did not believe me. During this time, I asked for all my statements because they closed my account, and I did not have access to it since XX/XX/XXXX. I was unaware of what had happened. 

I then logged into XXXX and see the following charges from XXXX to XXXX. {$3900.00}, {$340.00}, {$95.00}, {$3800.00}, {$50.00}, {$50.00}. I sent ally bank and email showing these discrepancies and screenshot of my communication with XXXX to XXXX XXXX case number. XXXX told me to work with Ally bank to raise a chargeback regarding unauthorized funds. I have not received any communication from Ally bank about a copy of my statements or this fraud case. It is not clear what investigation they did and why they are telling me they do not believe me. It is clear that the charges were unauthorized, and someone got into my lost phone and had access to all of my financial information.
Product: Money transfer, virtual currency, or money service

My account was frozen. I was given no reason for this by the company. I contacted the company and I was never able to talk to a customer support representative. I was only sent a link to a page. The page was not helpful and did not solve my problem.
Product: Debt collection

Date reported was XX/XX/XXXX. Last reported on XX/XX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.
Product: Debt collection

I am submitting this formal complaint regarding inaccurate and unfair credit reporting practices by XXXX XXXX XXXX concerning an auto loan account. 

The issue stems from the creditors failure to update or remove the account after issuing a 1099-C ( Cancellation of Debt ) for the tax year 2020. Despite my efforts to resolve this matter directly with the creditor and through disputes with the credit bureaus, the issue remains unresolved.

Specifically, I believe the following violations may have occurred : Failure to accurately report the status of a debt that has been canceled or written off. 
Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. 
To resolve this issue, I am requesting that XXXX XXXX be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ). 

I am providing the following supporting documentation for your review : Copy of the 1099-XXXX issued by XXXX XXXX XXXX for tax year XX/XX/XXXX, which confirms that the debt was canceled and should no longer be reported as active. 

Any responses or lack thereof from the creditor or credit reporting agencies. 
This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that XXXX XXXX and XXXX XXXX XXXX complies with all applicable consumer protection laws. 

Thank you for your time and attention to this important matter.
Product: Mortgage

Went to refinance my home loan depot called me so I applied for loan. I told them than I was involved in modification. They took my money of XXXX and told me I was fine. Lead me on for two months. I finally called them back many times always blown off with different excuses. Now in the mean time I spent XXXX for bug inspection also. I'm a XXXX Veteran who is on a very fixed income. They never once called me or told me that because of my modification I wasn't eligible for loan. I finally called texted email them many time after it had been XXXX months of time. A XXXX finally called me and told me the news after trying many times to see what the hold up was. I feel they took advantage of a poor XXXX Veteran. Also told me they put in for a refund because the XXXX thought they should have caught the problem but they never refunded me my money. I feel severely mistreated lied to and also stolen from it was just wrong. I just hope that I can help other veterans not to be scamed like I was by loan depot. Please advise how to handle this problem so it doesn't happen to other older people and veterans. Thank you so very much. 
Sincerely XXXX XXXX
Product: Debt collection

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. 

I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Product: Debt collection

In XXXX I cancelled my cable service with XXXX XXXX and followed their instructions to disconnect the service and return all the equipment. I verified with the clerk that took the equipment that there was nothing more that I had to do. A week later I received a letter from XXXX XXXX acknowledging the disconnect but that I had to return the equipment. I called and verified with the customer service representative that they show that I returned all equipment. One week later I receive a bill from XXXX XXXX for the next month 's service. I called again and was told that someone cancelled my disconnect order. I assured them that it was not me and that I no longer had their service in my home. I was told I would still have to pay the bill since I had access to the cable and I had not properly ordered the disconnection. I had the letter from XXXX XXXX acknowledging the disconnection effective XXXX/XXXX/XXXX and said I was not going to pay the bill. The agent then told me I still owed for the equipment. I gave her the receipt number for the equipment. I am then told by the agent that I still had to pay a fee because of early termination of a locked in rate! I asked for a signed contract showing that I had contracted for this supposed locked in rate, but never received anything. The next thing I get is a collection notice. I send the collection agency, my letter, the receipts and the letter from XXXX XXXX. I received a response back that no further action was required and I did not owe the money. This was early in XXXX. On XXXX XXXX, XXXX, I received another notice from a collection agency that I still owe the {$45.00} from XXXX! I called immediately and the agent told me that I had to pay this money. I explained that this was resolved in XXXX and told them to have XXXX XXXX research their records. I was told I had to send them the documentation from XXXX. I no longer have this documentation. I am sure that I shredded it earlier this year since it was resolved and I had no reason to believe that I would hear from them again. The agent told me that I still had to pay the money. I told her to go after legitimate debts and stop harassing me about this unjustified charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 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, has violated several of my rights. 

15 U.S.C. 1681 Section 602 A. Clearly States that I have the rights to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish Ann account without my written instructions.

15 U.S.C. 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My identity was stolen in XXXX XXXX XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.
Product: Credit reporting or other personal consumer reports

I was charge a late fee on my mortgage which resulted in reducing my credit score for XXXX points. I have never received a letter and disputed charges twice. Truist bank failed to provide me with proof with certified delivery. I asked to forgive my late fee since i never received a letter they denied my claim. I feel this wasn't truly fair. I have never missed payment in XXXX years and have perfect credit score of XXXX. Help me to solve this.
Product: Vehicle loan or lease

American Credit Acceptance is the loan company. First problem is the interest rate was 25 % and the issue is i bought the vehicle from XXXX with ACA as the lender with {$1000.00} down. The vehicle broke down within a month and I had to put over {$1500.00} into the truck to get a new rear end in the vehicle. After that I had the payments for the truck I spoke to them about it got a 3 month break, yet I found out a few months after that back in XX/XX/XXXX that the truck would not pass inspection without getting a new bed of the truck which cost $ 1500- {$3000.00}. On top of the repair bill, the monthly truck payment, as well as trying to get it to be pass state inspection I was struggling. I spoke to a lady at ACA about trading the vehicle in so i was told to wait on making the payment after XXXX. So today XX/XX/XXXX they Repoed the truck and told me I needed {$1400.00} to get it back along with storage fees, etc. Also, if i could not afford to get the vehicle back I was informed that if the truck sales at the auction I would still have to pay the difference even though I paid over {$2000.00} to get the trucked fixed to get it to run due to being sold a lemon from XXXX and the ACA. When I went to trade the vehicle in i was told I needed to have {$2000.00} down in order to get loan with trading in the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax explain I was apart of a breach I went online to view my account and notice some fraudulent attempts to obtain credit. I have put in a dispute with Equifax but they have responded telling me to contact the company directly, I have! the company states the inquiry is valid however of course its valid if they illegally hacked Equifax corporation and retrieve all of my personal information. I will like all the listed below inquires removed. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of XXXX that has resulted in XXXX XXXX and effects my consumer report. As a Survivor of XXXX XXXX or XXXXXXXX XXXX, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repo XXXX rting act child support Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right 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
Product: Debt collection

I looked at my credit report and saw this company claiming that I owe them a debt. I contacted through their website, requesting documentation that said I agreed to pay them anything, and proof of them being the Original Creditor. Over 60 days have passed and I have not been contacted by anyone nor have I received any Document that I requested. I also asked that they removed their information from my credit report immediately. Also they have incorrect information about my home address. 

LVNV FUNDING LLC Reported on my credit report that I owed them XXXX XXXX Balance updated XXXX XXXX XXXX 
Contact info Name : LVNV FUNDING LLC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had trouble in receiving XXXX XXXX check which they payed me then took the money back as a charge off they said I was responsible for this check that other bank said it was no good but was good check latter after the investigation they determined I do get the money back after 3 months of this off my account... it took them 1 month to notify me of this supposed bad check This happened in XXXX  XXXX well Fargo checking account.
Product: Mortgage

My wife and I decided to take advantage of low interest rates and re-fi our existing 30 year term loan with PNC to a 15 year term loan and locked in on a 2.75 % rate loan. This is a rental property. It was mentioned at the start that we could expect a closing in XXXX or early XXXX. 

We have provided all documents requested and PNC keeps asking for more updated information, including credit checks, which reduce our score each time. 

We feel that PNC is slow-walking us since there is no incentive for them to reduce their income from us. 

We incurred appraisal fee of {$680.00} at the start which appraisal has now expired. 

What recourse do we have? 
Thanks, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX and XXXX XXXXXXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Mortgage

Our mortgage was sold from XXXX XXXX XXXX to Mr. Cooper ( Formerly Nationstar ) and we have been trying to get a loan modification since XX/XX/XXXX due to a car accident where my wife was rear-ended and lost her job about 5 years ago. I have sent them requested documentation via mail and email ( at least 8 times ). I resent information today XX/XX/XXXX and we still do n't have an answer. This is by far the WORST company we have ever done business with. I needed to let you know so this company can be investigated, and hopefully this wo n't happen to others. My wife is going to be XXXX in XX/XX/XXXX and I will be XXXX in XX/XX/XXXX and we are to old for this kind of POOR customer service.
Product: Debt collection

This company contacted me concerning a debt which I do not owe. I do not have any dealings with Charter Communications which is who this company is trying to make a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to sallie mae ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

As a borrower of student loans to finance my education, I entrusted XXXX to manage my consolidated accounts to streamline the repayment process. Unfortunately, they have not done a great job at accurately reporting information to the credit bureaus. On XX/XX/XXXX, I received notification Experian that " XXXX/DEPT OF ED has flagged your account as Not Paying Off Your Balance and Can not be Located ''. XXXX 's error resulted in a staggering decrease of XXXX points. For starters, none of my contact information has changed since I consolidated my loans back in XX/XX/XXXX. Another thing, is that my account isn't due for repayment until XX/XX/XXXX, per the loan agreement, so how can they flag my account as not paying off balance when I haven't even entered the repayment period? Let alone them being unable to locate me, when I have prooof of correspondence in the form of emails/phone calls/mail from them prior to the inaccurate reportings...? 

I reached out to XXXX that same day ( XX/XX/XXXXXXXX  ) and was on hold for more than 2 hours-switching between representatives-until finally the call disconnected and I was unable to get back through as it was after hours at by that point. So the following business day ( Mon XX/XX/XXXXXXXX  ), after more than 2.5hours I was able to speak with a supervisor who assured me she would take care of the issue. Now it's been 45 days and the issue has yet to be corrected. I need assistance ASAP, because apparently XXXX is quick to causes damage, yet slow to repair it...