23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a issue with Skrill. They are holding my funds and barley communicating with me. My account is restricted and has been for almost a week now. I received 1 email from them stating it would take several days. My account has over {$200.00} that I can't access. I have sent countless of emails begging for someone to atleast respond to me. The XXXX  number is bogus and unavailable with the same recording Everytime anyone calls. The chat bot is a joke and give generic information which is no help. This started on the XXXXXXXX XXXX XXXXXXXX. I have a medical condition and need to buy my XXXX that I haven't had since the XXXX. I don't want to go to the XXXX to get XXXX. I need access to MY funds that they are holding and will not remove the restriction. I have called the XXXX  for there region as well. I'm afraid due to the weekend is approaching and I have zero access to my money
Product: Debt collection

I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, Portfolio Recovery Associates, sent out documents that appear to be forged or altered. My client made XXXX other attempts to get verification. I filed a FDCPA complaint against PRA, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, 2015-CFPBXXXX which detailed many of PRA 's tactics. My case is : in the XXXX Michigan. XXXX of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices PRA engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.
Product: Debt collection

Lawsuit filed by Portfolio Recovery Associates on XX/XX/XXXX. Returned certified mail-unable to deliver to me on XX/XX/XXXX. Notice mailed by regular mail on XX/XX/XXXX to the SAME address the certified mail was undeliverable. On XX/XX/XXXX they filed a motion for default judgement, which was granted on XX/XX/XXXX. I had not yet been notified due to incorrect mailing address. On XX/XX/XXXX they filed a motion for revivor. On XX/XX/XXXX again certified mail was returned, I still was not advised. On XX/XX/XXXX they mailed a notice of a court date for a XXXX hearing. XXXX issues, XXXX. I was never notified of the original judgement and XXXX. This 10 years past the original judgement that was granted for the amount of {$660.00} plus costs. They are saying since the judgement has not been paid or satisfied a total of {$830.00} is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loans or leases Total balance : {$16000.00} XXXX XXXX XXXX Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle. 

To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached. 

I called XXXX XXXX Friday, XX/XX/XXXX to find out why the XXXX loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. XXXX XXXX Loan is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXX, NV to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.
Product: Credit reporting or other personal consumer reports

I just leased a car in XXXX  from a Toyota Dealer ( XXXX ). Then the company did not share my credit report. One week later, I received a letter from XXXX XXXX XXXX. The credit report was obtained from Experian. I did not think the report was reflective of my financial credit stance. I attempted to call Experian as was suggested in the letter by XXXX XXXX XXXX. The toll free number ( XXXX XXXX XXXX ) responds with a prerecorded message. The recording provides no option to dispute the score. The recording has two options : to order a report and to report a fraud. It keeps suggesting that it understands that I wish to speak with a person. Yet there is no option to speak with a person or any connection is provided as the next step. 
At the end, it is a dead-end. There is no way to figure out why the score is not reflective of my credit stance. Nor is there ability to speak with a person to get the score corrected if there is a mistake. I believe the toll-free number is there to order a report or file fraud complaint without any human interaction even though XXXX XXXX XXXX XXXX their letter states that I can contact Experian through the phone number provided if there is inaccuracy. 
The upshot is that I feel there in inaccuracy in the report and I can not reach the company to discuss the issue. 
I feel that the public is snowed with their set up.
Product: Credit reporting

last year i purchased a desk, dresser, and a bed frame from XXXX, i had to pay a fee for them to put the furniture together. It took two months for me the get the items, when the workers came i mentioned to them about putting the bedframe together. He told me that it was n't his job, it was only his job to deliver the furniture. I sent everything back and began a dispute with m my XXXX. last year on XXXX/XXXX/XXXX XXXX charged my credit care again for {$710.00} and XXXX/XXXX/XXXX for XXXX, again i am in the process of filing a dispute against XXXX because i am no longer buying things from them and yet they continue to charge my visa, my credit score went down from XXXX to XXXX because of them maxing out my XXXX.
Product: Debt collection

unknown debt was placed on my credit report XX/XX/22. receiving harassing calls & damaged my credit. please remove.
Product: Debt collection

I have been getting repeated phone calls from a debt collector, sometimes even twice in a week ( for example, XXXX, XXXX ). I do not know what this debt would be from since Ive never received anything in the mail warning me, requesting anything, or simply letting me know of something that I may owe a debt for. At this point I think this is a scam since I receive a ton of scam calls, oftentimes receiving calls after the debt calls, saying that theyre going to take legal action ( maybe not related but seems strange ). Anyway, I havent been alerted of any debts that I owe in an official manner, so why would I think this is legitimate? By the time, Im able to call, they are closed ( Im not with my phone during work days ). I also looked them up and the reviewers are all saying that theyre being harassed for a debt they never owed, like me, or that theyve already paid an old debt are still being called, which makes me even more hesitant to get in touch anyway. I would like them to stop calling me immediately.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized and improper inquiries done without my consent on my credit report with TransUnion.
Product: Credit reporting

I have recently been informed that there is negative information reported by University  of   XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for Limit {$0.00} and past due amount {$2800.00} on   XXXX     I challenge the accuracy, compliance and reportability of this listing. Please delete and remove this inaccurate information.
Product: Student loan

I'm enrolled in the PSLF loan forgiveness program. I've met the 120 payments which make my loans eligible for forgiveness and discharge ; however, when I call to check the status of the loan discharge date, the representatives do not have much information and, quite frankly, read from a prompter and don't address the original call. Also noted is that I've received multiple duplicate letters, one on XX/XX/23 and one on XX/XX/23, stating that I've met my 120 payments for two loans.

The duplicate reviews without a set discharge date is concerning because it pushes my waiting period out each time a review is completed without the actual discharge being done. I'm finalizing a refinance on my home, and the lender is requesting the expedited discharge of the two qualified loans to get approved for the refinance loan. If this PLSF loan discharge does not happen in the next two weeks. We lose our home. 

XXXX XXXX XXXX XXXX : XXXX Birthdate : XXXX
Product: Student loan

My name is XXXX XXXX and I have an issue with Navient. I requested a refund on my payments made from XXXX through XXXX when I paid off my loan, I didn't realize these loans were in forbearance and I didn't have to make the payments. I researched and found out I can receive a refund for these amounts paid. I called Navient and spoke with multiple employees and they told me I'm unable to receive any refund, but they couldn't give me a reason why. My number is XXXX, please let me know if you need any additional information. 

XXXX XXXX
Product: Credit card or prepaid card

At XXXX EST my mobile number received a text from XXXX that said : " Thanks for giving Capital One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX ( both these numbers were hyperlinks ). You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by ending a text to XXXX ( hyperlink ). Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. 

I then called Capital One customer service number that I found via XXXX : XXXX. The first lady told me she had to transfer me when I told her about the text and possible fraud. The second representative I got, after I told him what was going on, insisted I provide my full SSN. I told him I was not comfortable with this since I have concersn about fraud. He then immediately told me he has to transfer me to another representative who can better handle my concern. The third representative asked for my first and last name then again asked for my full SSN. I again replied that due to being concerned about fraud I was not comfortable providing the full number and would not. He stated that the only way he could help me was if I provided the full number so I hung up. 

When I returned home I logged into my XXXX XXXX account to check for any new accounts opened in my name but found nothing. I believe this text message was a phishing attempt and that somehow the spoofed the Capital One customer service number.
Product: Credit card or prepaid card

XX/XX/2020 I Paid of {$10000.00} balance on my off. at Bankofamerica. which left with a excess of {$310.00} credit Bankof America was to transfer {$310.00} into my checking account. They said at that time 3 days. After that I checked my Bankofamerica checking account and it was not in my account. I called my credit card company on XX/XX/2020 they charged me interest of {$40.00} on purchases then charged me {$59.00} on cash advances. This card was paid off in full on XX/XX/2020 and they said they have 5 more busnis days because there might be residual interest. 
They refuse to refund the money or transfer the {$310.00} I need the money to pay my bills. 
XXXX XXXX My email is XXXX, phone number is XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX XXXX  Since that time the account has repeatedly updated as charged off every month. This is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigate this account and your neglect has violated my rights. Im demanding a delection of the following account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by Equifax. 
Late payments were reported for XX/XX/year> by XXXX and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication.

Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act. 
If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. It has been brought to my attention that XXXX XXXX reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX. XXXX XXXX  & O
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to the credit bureaus regarding the incorrect information. XXXX and XXXX  corrected the issue ( one removing ) however TransUnion has not updated my credit report or fixed the error. The letter I sent was in XX/XX/2021. If you look at my attached credit report XXXX shows the correct info, that I have not had any late payments with my mortgage. I am not sure how TransUnion can be reporting opposite information. Please Help!!
Product: Money transfers

My name is  XXXX   XXXX   XXXX , I live in  XXXX   XXXX , Florida, on  XXXX / XXXX /  XXXX    XXXX  pm I sent money via moneygram to  XXXX   XXXX  who lives in  XXXX , Texas. I sent her the refrence number and the private question and answer so she could get the  XXXX . The money was for my  XXXX   XXXX   XXXX  daughter as a birthday gift.  XXXX  went to the walmart in  XXXX  with her ID and the info to retrive the money, she was unable to get it, they told her I had to call  XXXX  and give them more info, I did that, they said ok tell her to go and retrive the money, nothing, they said they needed more info, what more info do they want? so I decided to send my daughter a money order and I went today  XXXX / XXXX /  XXXX   to retrieve my money, they said it 's on hold and I could not get My money so I got back home and called the  XXXX  number again and they seem to put you with people with thick accents so it ;  s  difficult to understand and they tell me the transfer is under review, what are they reviewing I asked, I gave you all my info, she gave you all her info and you still wo n't release the money to her or me and I 'm the sender, it 's my money ca n't I get it back, the man says it 's under review again, that 's when I started to get mad cause they give you the run around, do they need the  XXXX  that much? so I told him he was no help at all and I guess I will have to see if there are any class action law suits or I will get a lawyer and we can make those  XXXX  dance. He then asks if there is anything more he can help me with so I hung up on him. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding concerning practices observed with my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This complaint pertains to repeated misreporting and manipulation of my account status, potentially infringing upon my rights and the integrity of the statute of limitations. 

The issue at hand stems from the fact that despite the account being charged off since XX/XX/2020, it continues to be inaccurately updated as charged off on a monthly basis. This persistent misrepresentation of the account 's payment history is deeply concerning, as it creates a false impression of ongoing payment activity associated with a charged-off account. Such misreporting not only violates regulatory standards but also manipulates the statute of limitations, potentially extending the duration of legal obligations unfairly. 

I am troubled by the apparent oversight in conducting a thorough investigation into this matter, as the continued misrepresentation of the account 's status reflects a failure to ensure accurate reporting practices. This oversight has significant implications for my financial rights and obligations, and I urge your immediate attention to rectify this situation. 

In light of these concerns, I hereby request that the erroneous reporting of the subsequent account be promptly deleted. It is imperative that corrective action is taken to ensure the accuracy and integrity of my credit report and to prevent further misrepresentation of my financial history. 

I appreciate your prompt attention to this matter and request a thorough investigation into the practices observed with my account at XXXX XXXX XXXX XXXX. Please provide confirmation of receipt of this complaint and details regarding the steps being taken to address these issues. 

Thank you for your cooperation and swift resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent equifax several notifications on unfamilair inquiries on my report, along with my FTC report reflecting such. They chose to delete XXXX leaving the other unauthorized inquiries on my report and failing to notify me of any verification of such. 
under 15 us c 1681 et section 604 of the credit reporting act, you must provide verifiable evidence or delete. 
These remain on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inc
Product: Checking or savings account

I received 3 checks from the United States Treasury for the XXXX XXXX XXXX that the IRS approved on XXXX XXXX XXXX I deposited once check in the amount of {$52000.00} on Sunday XX/XX/XXXX via mobile banking. I deposited the other two checks in the amount of {$41000.00} and {$51000.00} on Monday morning XXXX XXXX XXXX in the branch providing my id and deposit slip from my account. At no time did the teller say there would be a hold placed on the checks. I'm attaching the check I deposited on the mobile app to show these checks are from the United States treasury. The other two checks were deposited in the branch and Bank of America refuse to give me a copy of the checks. 

Later Monday XXXX XXXX XXXX I received an email from Bank of America stating my accounts were under investigation for fraud and criminal activity and all of my business acounts are being froze and I will not have access to any money. I called the bank and they said the checks appeared to be fake. I have spent over 12 hours XX/XX/XXXX through XX/XX/XXXX on the phone and they admit the the clears cleared with the United States Treasury, but they say i'm still under investigation and they will not release my money and I XXXX never get it back. In the mean time they keep return checks and ach 's on my account putting me in danager of losing my business. My rent check was returned and my landlord is threatening to evict me from my business location. I have no funds available to pay my 21 employees. 

Bank of America is trying to keep the {$140000.00} I received from the XXXX XXXX XXXX. So, I was able to survive the pandemic without losing my business, but now that I have received the XXXX XXXX XXXX I'm going to lose my business because Bank of America is trying to steal my money. They will not give me a date when and if I will get my money back or when the investigation is over. They will not tell me why they think I committed fraud or why the checks are fraud even though the United States Treasury cleared the checks and paid the Bank of America. 

The fraud being committed is by Bank of America and not me.