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

Please refer to the closed case # XXXX on XX/XX/XXXX of XXXX as I would like to reopen this case based on many other cases that have been reported since then on news and even XXXX & XXXX company website to finally inform consumers of scammers threatening their consumers to pay their bills via XXXX or XXXX, they will shut down their power shortly. This is what happened to me on a Saturday morning and I was frauded by a company called on XX/XX/XXXX pretending to be XXXX  & XXXX and asking for payment before they shut down my services in XXXX minutes. They seemed to have information about my XXXX  & XXXX as I haven't been making payments for the past few months of shutdown due to hardship but haven't also received any mail notices. They asked me to make a transfer from my account at Bank Of America with a feature called XXXX which they can receive their payment so that they would stop shutting down my services. They took XXXX different payments of {$190.00}, and then another for {$490.00} as that was the full amount they were looking for and not the partial payment of {$190.00} I tried to pay first. They told me they will issue a refund on the {$190.00} they couldn't accept and needed full payment of {$490.00}. Once they collected the full amount, they said they have systems issues and have to wait till Monday XX/XX/XXXX to issue refund. I called them and all their voice messaging systems were excatly as XXXX   & XXXX and trusted that this was XXXX  & XXXX. But when I tried to call them on XX/XX/XXXX, I realized that there was something wrong as they wouldn't want to issue a refund. I checked back and found other XXXX numbers for XXXX & XXXX and they told me that they haven't received any payments and realized I was frauded. I called Bank of America to report this fraud transaction and they started the claim but they wouldn't issue a refund back to me stating that this was my responsiblity to transfer cash to this party. 

As now this is very clear based on many other complaints went through the exact same situation which I started learning about this please refer to this news on XXXX XXXX : XXXX : XXXX This guy describe the same situation I went through in XXXX of XXXX and when I contacted both XXXX & XXXX and Bank of America , they wouldn't take any responsibility to refund my money back. Bank of America should have caught these scammers back in XXXX as there have been many other XXXX & XXXX consumers going through the same situations and should refund my money back of the XXXX XXXX transactions of {$190.00} and {$490.00} which would be a total of {$690.00}. 

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

To Whom It May Concern, My name is XXXX XXXX, and I am reaching out regarding a significant credit issue that I have been unable to resolve despite extensive efforts. This situation has negatively impacted my financial standing and livelihood, and I urgently need assistance. 



I have made consistent on-time mortgage payments for over 10 years through my banks XXXX XXXX system. Unfortunately, due to changes in mortgage servicing companies and billing systems, my payments have not been properly credited, resulting in incorrect late payment reports on my credit file. Below is a summary of the issue : 1. Consistent Payments : I have always made my payments on time via online XXXX XXXX 

2. Mortgage Servicer Transfers : Over the years, my mortgage has been sold and transferred between multiple servicers. Payments were sent to the previous servicer, and then forwarded to the current servicer, causing delays. 

3. Bank System Changes : My bank, XXXX XXXX, informed me they recently updated their XXXX XXXX system, which may have compounded the issue. 

4. Documentation Submitted : I have provided a complete paper trail to XXXX Mortgage, including proof of payment and correspondence detailing the issue. Despite this, the problem persists. 

5. Credit Damage : My credit score, previously in the upper XXXX to low XXXX, has plummeted to the XXXX, significantly impacting my ability to conduct business and secure financial resources. 



I am a licensed North Carolina general contractor and real estate broker. My professional reputation and ability to sustain my livelihood depend on my creditworthiness, and this erroneous reporting has caused undue hardship. I have contacted the Federal Trade Commission, Equifax, XXXX, and XXXX, but I have not received a resolution. Additionally, I have spoken with multiple representatives at XXXX XXXX, but no corrective action has been taken. 



I am respectfully requesting immediate intervention to : Investigate this matter thoroughly. 

Correct any inaccuracies on my credit report. 

Ensure my payment history reflects my consistent, on-time payments. 



Please let me know if additional documentation or information is required to resolve this matter. I am prepared to provide any necessary details promptly. 



Thank you for your time and assistance. This issue is deeply affecting my financial stability and professional obligations, and I hope for a swift resolution. 



Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Filed fraud complaint # XXXX with XXXX XXXX XXXX after finding fraudulent purchases on card. Was alerted by my personal bank XXXX XXXX that US bank had made an unauthorized transfer from my checking account of {$4000.00}. Accessed account and found fraudulent charges of just over {$9900.00}. Was sent a letter saying I was responsible for charges as I had received benefit from them. Service rep called me after I sent in unfavorable survey, reopened investigation, determined an unsolicited replacement card had been sent to me and was likely stolen in the mail. Got e-mails every 2 weeks assuring me they were working on it. On XXXX/XXXX/22 received e-mail saying claim was near resolution and I would receive an explanation letter. Never got it. Called and was told it was resolved and I had credits but they couldn't do anything about it because XXXX XXXX account was changes to XXXX XXXX. XXXX XXXX said I hadn't filed a complaint in a timely manner. Sent certified letter to US Bank requesting explanation letter and documents on XX/XX/22, still have not received a reply.
Product: Mortgage

Recommendation : Governance and Loss Mitigation Review. Confidential Settlement Response : XXXX XXXX XX/XX/XXXX Letter Basically, I find XXXX XXXX offensive. We all understand that mortgage are securitized and the ownership of the mortgage can been transferred. I have decided to attach my resume in order that I am not insulted again. You will find it hard press to find someone more knowledgeable. I am requesting to communicate to some one more senior to XXXX XXXX in order to resolve this matter. 

XXXX XXXX implies that SPS is s " blind agent '' and simply collects for the mortgage payments for owners. It sounds like statements at the XXXX XXXX. 

First I would like for XXXX XXXX to provide support that she is in contact with the mortgage owner. 

I would like for her to explain why SPS did not direct my concerns about the property over payments to the mortgage owner. Please provide the owner of my mortgages contact information. 

A professional would have questioned why the XXXX XXXX XXXX property was being taxed on for XXXX in XX/XX/XXXX when it was purchased for {>= $1,000,000} in XX/XX/XXXX. 
Mortgage foreclosures in XX/XX/XXXX were down XXXX % from the Great Recession of XX/XX/XXXX. 
Home prices have not corrected to the peak of XX/XX/XXXX. However, SPS has increased escrow taxes each year. I am being foreclosed on due to excess taxes. 

XX/XX/XXXX I received a letter from SPS in the middle of this exchange on property taxes. The letter increases the tax escrow for XX/XX/XXXX from approximately {$25000.00} and year to {$30000.00} for XX/XX/XXXX. Why? 

This increase was executed despite the current grievance and history of questions about the excess escrow. 

SPS is requested to provide the State of Georgia Attorney General and CFPB The rationale for increasing the tax escrow when SPS appraisal consultants have reduced the property valuation. 

There is a strong implication that this problem may warrant Class Action Litigation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX sold my account to XXXX XXXX as a charge off account. According to 15USC-16802 obligation to disclosure of personal information ( creditors have to get permission to share your info with a third party ). I have never given my permission to have this shared with a third party.have requested both the 1099c and debt validation letter. I have disputed this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. Attached is also the dispute filing that comes bank verified within 24hrs of filing a dispute how can it return so quickly its like it is an automated response to my dispute. I have also attached proof of certified mail sent to XXXX and I've gotten no response. 

Violations 15-USC-16802 15 -USC 1681 eb
Product: Debt collection

Credit Collection Services called a number they have on file for me that was unlawfully furnished and obtained by them.
Product: Payday loan, title loan, or personal loan

I have renewed several loans with World Finance and have always had job loss insurance protection. On XX/XX/2014 I had a mutual agreement to leave the company. I went to the finance company to fill out the job loss papers. I was told I was not eligible unless I was receiving unemployment but because of what the company told unemployment I was disqualified for 20 weeks which was the length I could draw. I was contacted by one collection company and so I sent them the job loss application. Last month i was contacted by another collection company which I will forward them the same papers. Since I lost my job back in XX/XX/2014 I have moved to XXXX, SC and a lot of my papers were thrown out because I had my son getting my things from XXXX XXXX, SC. My new mailing address is XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). The account may not be reported as unverified information without providing any supporting information within the legally allowed time range. This is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax via written letter on XX/XX/, to dispute accounts reporting on my credit report that do not belong to me. As of XX/XX/XXXX, I had yet to receive any correspondence in regards to the dispute I submitted over 30 days ago. At that time I sent another correspondence via mail demanding that Equifax comply with my request to investigate the incorrect items or delete them permanently. As of XX/XX/, I still have yet to receive any information in regards to my dispute or that an investigation has taken place.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 Balance Owed : {$0.00} Inquiries included in dispute : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

Conns furniture continues to contact me multiple times a day about an alleged debt. I've stressed to them that i do not want to be contacted. as well as most times in which they've chosen/choose to contact me are inconvenient times being that most times I am at work and this could possibly get me fired or throw of my focus at work. These calls are overly frequent and they often threatening to damage my credit and possibly destroy my livelihood. I am extremely stressed out about these collective of calls. Conn 's has constantly harassed and made me feel uncomfortable with there calls texts emails Etc. I've read them laws to them that protect my rights in which they are constantly and intentional violating ive also on several occasions expressed to them not to contact me about this alleged debt, they contiunue to violate my rights and the laws put in place to protect me as a consumer. this has also taken affect on the mental state of my family because they see and hear the frequent calls and constant harassment and understand the strenuous pain it is causing me mentally.I can not focus and be proactive throughout the regular business day at work neither the times that i have off in fear of how many times theyve chosen to call or contact me i feel uneasy and bullied. ive contacted the company and pleaded with them about this abuse, and they continue on a journey of destroying my mental state.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Product: Mortgage

Regions bank is breaking the law. My house was damaged by hurricane IRMA in XXXX. 

Since Florida has been declared a federal disaster area, which means, by law I can get a forbearance payment on my FHA mortgage. 

When I contacted regions in XX/XX/XXXX about my repair cost due to hurricane IRMA preventing me to be able to pay on time they offered a repayment plan not a forbearance plan.

The repayment plan is that I only skip one month of payments and then pay extra payments every month for 4 months until the loan is current. Thats not a practical solution. And I requested a different strategy and was denied.

And not only that they never mentioned to me that not making the one month payment would be reported to credit agencies and a missed delinquent payment.
Product: Credit reporting or other personal consumer reports

I contacted Experian, XXXX, and XXXX to request that a bankruptcy from XXXX be removed from my reports. All XXXX agencies refused advising that this would remain on my report for XXXX  years. 

I have notification from the Bankruptcy court that states that they do not provide information to XXXX parties. Under the Privacy Act of 1974 and 15 USC 6802 Right to Opt Out. Any authorization that you believe that you have, you no longer have as I opted out per 15 USC 6802. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : XXXX My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

XXXX Financial institutions may not disclose, exception : XXXX as outlined above. 
XXXX Customer authorization required. 
XXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry
Product: Credit reporting or other personal consumer reports

I filed paperwork stating I was on Unemployment and I was approved for unemployment deferment all XXXX credit bureaus are showing late payments not the approved deferment. This has critically and negatively tanked my credit score which went from XXXX to XXXX. I have been working to get my score in a credit worthy position. 

American Education Services XXXX... 
{$16000.00} XX/XX/year> Late XXXXc Account aes American Education Services XXXX... 
{$13000.00} XX/XX/year> Late XXXX Account aes American Education Services XXXX... XXXX {$11000.00} XX/XX/year> Late SXXXX Account aes American Education Services XXXX... XXXX {$8800.00} XX/XX/year> Late American Education Services XXXX... XXXX {$7400.00} XX/XX/year> Late XXXX Account aes American Education Services XXXX... XXXX {$4300.00} XX/XX/year> Late XXXX Account aes American Education Services XXXX... 
{$4200.00} XX/XX/year> - Late XXXX Account aes American Education Services XXXX... 
{$4200.00} XX/XX/year>- XXXX American Education Services XXXX... 
{$4200.00} XX/XX/year> Late XXXX Account aes American Education Services XXXX... 
{$3300.00} XX/XX/year> Late XXXX Account American Education Services XXXX... 
{$2800.00} XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, XXXX  and Experian is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since XXXX.
Product: Payday loan, title loan, or personal loan

I borrowed money from XXXX [ XXXX ] bank about a year ago. I refinanced my home and secured money to pay off balance of said loan. On XX/XX/2021 I requested a payoff. The amount given was good till XX/XX/2021. The mortgage company I have, sent a check for {$1000.00} over the amount due to payoff the loan before XX/XX/2021. XXXX took the check paid off the loan and took an additional monthly payment and sent back a check for {$400.00}. 
I need help to get my full overpayment returned to me.
Product: Credit reporting or other personal consumer reports

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXX gap account ending in # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments ( different months ) to wrong information reporting.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 card or prepaid card

XXXX XXXX XXXXbarclaycardus.comXXXX I can't even believe I am writing this -- the first company that I would even bother to write a review about, just because my opinion has changed so much. I loved this card and loved Barclays as a bank, but after having the wildest 5 months of customer service I would have to guess that they are trying to sunset this business and discourage people from keeping the card. I am actually closing all of my Barclays accounts because of this. 

They were great until a fraud situation and then you are basically on your own -- so much so that today I was told the only way they would reconsider my case was if I faxed them 5 documents to prove that I was in fact out of the country on the date in mention of a specific transaction ( despite having no access to a printer or fax machine ) -- a cash advance from a XXXX XXXX ATM, despite the charges before and after that one charge was already marked as fraud and taken care of. 

While traveling out of the country w/o the card, I was alerted by Barclays on 3 occasions on XX/XX/20 for 1 ) someone activated my card ( a new card tey had just sent, but I didn't request ) 2 ) someone changed the pin of that card 3 ) there was fraud on that card. I responded that it was fraud since I was not traveling with that card, have no access to the mail while in XXXX, and that all of the charges were fraudulent. 

Most of the charges were removed, except for one made for a cash withdrawal at XXXX XXXX. I've spent the last 5 months trying to get this charge to be removed from my statement. The full charge was : {$20.00} withdrawal + {$3.00} ATM fee + {$10.00} cash advance fee. 

Today I learned that Barclays has removed the {$10.00} cash fee from my statement because they recouped that from XXXX XXXX during the fraud investigation, showing an agreement between the two companies that this was fraudulent. Barclays however will not remove the underlying {$23.00} charge. 
.. so literally the financial transaction that only took place because of the ATM withdrawal was deemed fraud and XXXX XXXX paid it back to Barclays , but the ATM withdrawal itself is not being considered fraud ... .huh? 

On today 's hour-plus call there was mention of the name and phone number of the person who they spoke to that was in possession of this new card, spoke to a member of the Barclays team to activated, and even picked up their phone AFTER the fraud alert ... showing Barclays clearly knows this is fraud, even knows details about the fraud, has colluded with XXXX XXXX on this fraud, and is still charging me the {$23.00}. 

Their advertising is also very clear that they offer things like " Access great benefits like {$0.00} Fraud Liability protection and no foreign transaction fees '' which is clearly very misleading given how they actually manage fraud at Barclays.