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

XX/XX/XXXX, I was in email contact with XXXX marketing guy name XXXX XXXX who no longer works for XXXX XXXX XXXX XXXX. ( XXXX  ). I still have all the email correspondence. XXXX XXXX, the CEO and I signed an agreement that he provides the service and I provided the capital and we split the net profit 50/50. The contract outline several things that the company has failed to do such as weekly updates, communication, or even profit. It was two separate transactions both taking place in XXXX XXXX one for XXXX on XX/XX/XXXX and the second was XXXX on XX/XX/XXXX XXXXAs far as I'm concerned, no store or work as been done. I've tried numerous times and sent several emails requesting for updates or my initial payment back like the contract stated. I tried resolving the situation with the company and XXXX himself but I get no response. I know the email works because thats what he still sends me appointment calendars with, however, the four status update meeting arrangements that we had, he was a no show. He rescheduled and again was a no show and no follow up email. The one reliable form of communication which was slack was decommissioned without any warning. He just decided to delete the app and kick myself and numerous others off, which had all the earlier email correspondence. I sent him an email demanding to put me back and claims it was a security concern. Claimed he would send out an updated channel for communication via XXXX XXXX. Then he went dark again, no response, no action, no follow up. I got an attorney to draft a notice of breach of contract and notice to discontinue his services and he's somehow tried evading the letter however the carrier confirmed it was indeed delivered to the address on the contract. This has been one wild goose chase after another and I'm at my limits. I was discharged unexpectedly out of the XXXX for a XXXX XXXX  and this was my way to ensure I'd have some sort steady income coming. It seems XXXX and his company have committed wire fraud with several others. I Since it was wired from my XXXX XXXX account, I called them and gave them a the run down. 

XXXX XXXX took notes and swift recall and they say give it 2-3 business days so XX/XX/XXXX and see if BANK OF AMERICA the receiving bank would assist. 

I called Bank of America immediately following and the rep I spoke to just said since it was too long ago there's nothing they could do. No further assistance from them. No freeze on the fraud account, no further investigation into the matter. I still have all their banking information. I will call them again today and see if the other workers may do it little more giving the severity of this. 

XXXX USD is no small amount so filed a complaint with the Florida Attorney General, FBI, XXXX. I will continue filling until something is done. I saved all emails from and to XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # 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

Asked for any documentation they have, with signatures, as to the original debt. They sent a XXXX statement. Nothing else. I submitted a complaint to you. Next day, XX/XX/XXXX, I received an email stating the debt wasn't mine and they would remove from my credit. Just received a letter from Jefferson Capital, asking me to pay a different amount, with a supposed different original name ( XXXX, now ). I again sent an email requesting the original paperwork. This is not on my credit report. These people are trying some shady stuff ....
Product: Credit card or prepaid card

On XX/XX/2019, I deposited {$1400.00} from my debit card ending in XXXX to my cash app account/card. There was no problem. I went to the post office to to purchase a money order for XXXX . It was declined twice. I went to my car and went to the internet to get a number for cash app   customer service. A number came up and I called it. It was an XXXX #. A man answered and said " Thank you for calling cash app, my name is '' such and such. I told him my name and told him that my card was declined twice and I wanted to know why. He asked for my phone number and asked me to log out of cash app and log back in and my card would be unlocked. So I did. When I logged back in my account was completely gone. I called back and they said they were going to be putting the money back into my bank and that they closed my account. I then emailed cash app and asked why I didn't receive my money. They said they don't use phones. I had the app installed on my XXXX   and was still logged in to the account they had me log out of, and could see that someone had tried to send {$1400.00} to 2 different people I don't know but that was declined " for my protection '' and then they has withdrawn all my money to a card that I don't own. I told cash app that someone was stealing my money and then I sent them pictures of every single thing. They had me fill out a long email explaining everything that happened and they would " investigate ''. I said ok. I have yet to get my money back after emailing and emailing the man " XXXX '' who said he was taking over my case. In their FAQ it says " You will not be able to withdraw funds to any card except the card that deposited the funds ''. I told them that they were responsible for the theft because it was allowed to be withdrawn onto a card that did not deposit the funds. I sent pictures of everything that proved it. I created a new account and used several security features, I needed the card because my husband is a truck driver and that's how I send him money. So today I tried to send my husband money and they had closed my account, it still has money on my card. I tried to withdraw it and it won't let me. I have yet to get my XXXX $ back that is their responsibility to reimburse for allowing it to happen in the first place and now I can't withdraw the money I have on there. They have never returned my email since XXXX took over, he only said to file a complaint with my bank. It is not my banks responsibility because I deposited it onto the card. Cash App has done this to SOOOO many people, it is a branch of Square, a reputable company. Please help me get my money back, they won't help at all. I have emailed probably 40 times and now they closed my account so I can't email them anymore. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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 to any 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

My Name is XXXX XXXX XXXX I am a Victim of Identity Theft and I would like to get the following items removed from my report because I did not open these accounts.
Product: Debt collection

Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments AFFECTED BY NATURAL DISASTER i have been in contact with the people who have this debt thats somehow owed to me the company as stated isnt on this earth they got bought out by another company that has my name but no money is owed to them as stated in the comments of the debt i was a victim of natural disaters at the time i was quoted that i could leave with no repercussions of leaving just for them to be able to put this on my account i have been trying to get rid of this cause its not supposed to be there to begin with but the company refuses to work with me and decdies to dispute it but havent contacted me to give me any information as well i disputed this with XXXX and them too has came back and told me i would need to pay which shouldnt be the case
Product: Debt collection

I signed up for a XXXX account, I did not downgrade but upgraded the account, however when I relocated to XXXX, XXXX from XXXX, XXXX an early termination fee was reported to collection agency which I never signed for. Attached is a copy of my signed contract that was renewed and subsequently upgraded with a phone service. The amount of about {$200.00} dollars now reflects in my credit report, please your intervention is needed.
Product: Debt collection

Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that continues to appear on my credit report, despite previous disputes. This account has been verified and updated multiple times, yet there are still significant errors regarding the following : Date Opened : The reported date is inconsistent across the credit bureaus.

Date of Last Activity : The date of last activity does not match the actual account activity and varies between bureaus.

Last Reported Date : The last reported date should be consistent across all bureaus but currently is not.

These discrepancies are incorrect and must be corrected to reflect accurate information. According to the Fair Credit Reporting Act, all information reported must be accurate, and these errors violate my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.
Product: Payday loan, title loan, or personal loan

I have had several loans with XXXX XXXX XXXX whose loans are currently being service by Systems and Services Technologies , Inc ( " SST '' ). I have attempted to get them to honor XXXX benefits in key provisional state ( KP ) of Louisiana, but failed to get any resolve. I am XXXX XXXX military and have been through the duration of multiple loans starting around 2016. I have XXXX to XXXX XXXX XXXX  twice and XXXX failed to apply XXXX benefits during those times either. I have attempted to get the company to honor XXXX benefits in the KP state of Louisiana which reducing my interest rate to 6 % regardless of when the loan was secured. At a very least they should honor the 6 % during time i was XXXX to XXXX, which I can and have provided documentation for. Also during the transition to SST from pioneer, i wasnt getting documentation from SST which caused my account to become delinquent. The company refuse to understand or accept the lost in contact during its transition and have negatively reported on my credit report although it wasnt my fault, I was out of the country due to military obligations.
Product: Debt collection

Real Time Resolutions ( RTR ) engaged in fraudulent activity to misrepresent my financial arrangement with them, which is supposed to be {$5.00} per month, and even going so far as to state, according to their representative, that I signed an agreement to pay them {$120.00} per month. I never signed or agreed in any manner to such a thing. I am submitting the following documents : My XX/XX/18 RTR - Fraud Complaint Statement XXXX XX/XX/XXXX Letter RTR XX/XX/XXXX Letter ( page 1of2,  backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX Letter ( page 1of2, backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX website - online contact page ( email option ) of my nite of correspondence sent to them XXXX Money Order receipt purchased on XX/XX/XXXX and sent to RTR, and processed by RTR on XX/XX/XXXX. ( The XXXX claim confirmation for the processed money order will be forthcoming ).
Product: Checking or savings account

Capital One isn't depositing money for XXXX  of customers, there's something bigger than just missed deposits. Please take action, this could become a class-action suit. Theres no reality where only one bank is affected by this issue. It has been 5-6 days with the same results, including a phone call wait time of " XXXX minutes ''. A member of the FDIC should be held to a highly ethical standard. They promised Thursday night ( XX/XX/XXXX ) to Friday morning ( XX/XX/XXXX ) this issue would be resolved. With minimal issues towards the end of the day.
Product: Debt collection

this debit of is result of identity theft thruogh XXXX XXXX. I contacted the collection agency and I told them i have letter from the XXXX i dont owe the money and to fax to them but they wont let me and they sent a letter i still i owe the money.
Product: Credit reporting or other personal consumer reports

A hard inquiry appeared on my account on XXXX XX/XX/year> that shows the JPMCB CARD SERVICES ( Bank ) checked my credit and it is an activity that I don't know about. It happened without my consent. Please investigate this inquiry and I want to dispute it.
Product: Credit card

American Express sent me a copy of another person 's driver 's license complete with their name, address, date of birth, signature and license number. When I called them to tell them they tried to tell me that I was mailed a scam letter and it was not from them. It was clearly from them since I accessed it directly through their " secure '' site. I called multiple times to resolve this issue and they hung up on me or put me on hold and never came back. I cancelled my card to hopefully protect my identity however I am not sure where / who has my personal information. They would not offer any assistance to solve the remaining balance.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Debt Account : XXXX Dear MIDLAND CREDIT MANAGEMEN I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws. 

The debts in question were not discharged in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law. 

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. 

This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under XXXX regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case. 

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt. 

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies. 

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately. 

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company. 

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Cell XXXX
Product: Money transfers

I utilized PayPal as a money transfer service to send/receive money with my fiance for rent, utilities, and other bills. In addition, my PayPal account was linked to my eBay account for purchasing/selling products. PayPal is currently holding {$1400.00} of my funds without just cause for " up to 180 days. '' I have contacted PayPal representatives on numerous occasions to request evidence of any violations of PayPal User Agreement, but have never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected consumer pursuant to 15 USC 1681a. I have the right to dispute and get alleged debt and all information removed from the consumer report file. I demand these accounts be remove they are fraud and I do not authorize nor consent to them being furnish on my consumer report from anyone other than me the consumer pursuant to 15 USC 1681b permissible purpose has to be given to anyone who wishes to furnish any information on my consumer report.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach in attachments. I've been a victim in the past on a data breach due to many credit reports that I have received. I am looking and trying super hard to resolve this issue. I just need help..
Product: Mortgage

Complaint Number # XXXX IS NOT CLOSED. LoanCare responded partially with insufficient and incomplete information, they didn't mention when they received the money. So my request is not addressed completely as there is no information on the extra interest I paid, who'll pay me back. I believe CFPB didn't notice my initial request and incomplete response from LoanCare and closed the request by mistake. XXXX accepted lately that they received the fund on XX/XX/XXXX. But it was originally sent to LoanCare ( prior Loan company ) on XXXX XXXX. While sending the money the payoff was calculated till XXXX XXXX, so ideally they will return the extra interest I paid for 3 days ( XXXX, XXXX, and XXXX XXXX ). This information is not available with XXXX. LoanCare never shared that information to XXXX, rather they are mentioning when they sent to XXXX. Why after 14 days? Who'll pay me back the extra money I paid. Called LoanCare Office of the Customer, they did not agree to include that in the response, saying loan is closed from their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting misleading information on my credit report. I sent dispute letter to the company multiple times and they keep saying its verified but they have not supplied any supporting documents letting me know how. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently addressed illicit reporting of my XXXX XXXX debt to Transunion, via the CFPB Website. Transunion stated an investigation would transpire as affirmed by their response. In the midst of the investigation Transunion updated my XXXX XXXX   Account to reflect in Collections and my credit score plummeted. This occurred between XX/XX/XXXX & XX/XX/XXXX.

This is part of the settlement agreement with XXXX XXXX   was to reflect my account as paid and in good standing. This was after it was discovered it was there error to begin with resulting in a XXXX refund to me. CFPB compliant will confirm this.

We now have a credit reporting agency taking matters into there own hands with no real vestment in the outcome other than to what? As an act of retaliation because there own practices were non compliant to begin with as reported to the CFPB.

Both XXXX and XXXX have modified my accounts accordingly as instructed by the party who " suffered the loss '' not who got their hand slapped for non compliance. This isn't your right.
Product: Credit card or prepaid card

I opened a XXXX credit card issued by Continental Finance in or around late XXXX early XXXX. It did not have a high credit limit so when I started to become ill I paid it off completely with no intention of using it again. I lost my vision in XX/XX/XXXX after contracting Covid-19 and am now 100 % XXXX. My spouse informed me that XXXX aka Continental Finance has a collection /charge off for an unknown amount which is impossible, unless it has been fraudulently used. I lost my wallet while in the hospital in XXXX and I can't get any information from this bank as to why they claim I owe them money after the account was paid in full. I do not have my account number. I am attaching a copy of my bank statement showing the amount paid. I am hopeful that I can get this resolved with the help of the CFPB. Thank you
Product: Mortgage

This company SPECIALIZED LOAN SERVICING HOME LOAN is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SPECIALIZED LOAN SERVICING HOME LOAN XXXX Opened : XXXX Balance {$13000.00}