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

An incident occurred on XX/XX/XXXX, my Bank Of America debit card was lost/stolen and wrongfully used, and multiple fraudulent transactions were charged to my bank account using the debit card without my knowledge totaling {$2700.00}. I contacted the bank on XX/XX/XXXX to file unauthorized transactions. Throughout the process, I contacted the bank. XXXX to ask for an update regarding my investigation. They advised me that the claim was closed and denied without reason given to me. They explain to me that they don't have any information for me. I am a victim of fraud, and this is the type of treatment I get from this bank and this is how they treat their customers. I asked the bank that I wish to appeal that decision. They told me that I have to fax in a letter with my own words giving them a good reason as to why I feel their decision was wrong, and also attach a Police Report and CFPB report. So that way they can reopen their investigation, and look into my case. Further, I have never had to deal with this type of incompetence and lack of care for its customers like BOA when it comes to banking. 

Thank you to those who took the time to read this and contact the bank on my behalf it really means a lot I don't know how these companies go overboard without any repercussion or discipline and do not care for the people through these trying times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to KIA FINANCE AMERICA for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Mortgage

A modification package was submitted to the servicer on XXXX XXXX. Confirmation of the document was received via email, please see attachment. On XXXX XXXX the file was opened, please see attachment. A letter was generated XXXX stating that the financial package was received, please see attachment. On XXXX XXXX an email was sent to the servicer requesting an update on the file as well as an update on the sale date. Later on in the day a message was received via email stating the file was denied the previous day from a different party within the institution. See attachment. The package was sent in 9 days before the sale date yet the servicer is now refusing to review the file per the letter. The file was already in review per the letter that was sent out acknowledging the documents.Per the servicer portal website, work was still being done in the file as of XXXX, Please see attachment. 
On the XXXX " Servicer '' has confirmed the above mentioned borrower and location is currently " Under Review '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following : XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. 
It is very apparent the servicer would rather foreclose on the home then move forward with the review to retain the home. The events described are just a sample of the practices that are taking place at PHH. PHH is more interested in foreclosing and selling homes at auction to make a profit. It appears that PHH 's lack of participation in a meaningful modification review of the file indicates a preference to profit directly from the homeowners hardships. Furthermore, the numerous times the homeowner has spoken to the PHH should extinguish any opportunity to excuse PHH 's behavior. 
At this time we are demanding a postponement of the sale date or the homeowners will assert their legal right and name PHH and XXXX XXXX as defendants in Civil Court.
Product: Debt collection

I recently did an investigation on my credit report. I am distressed that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my wet signature such as ; Original contract Payoff disclosure Interest rate disclosure Balance history Payment History Credit insurance which they failed to provide to me. The item must be deleted from the report as soon as possible.

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
AARGON COLLECTION AGENCY Total amount : {$3800.00} Date XX/XX/22
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practices which violate the consumer financial protection act specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements u see the electronic fund transfer act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with accounts and collections that are fraudulent
Product: Debt collection

After receiving a notice about a debt, I requested validation. I was sent a computer print out of a letter written by this collection agency claiming the debt ( a computer print out is not validation. ) I was also sent statements that no where does it say that it was sold or transferred and it just shows my payments and dates. I requested validation per my consumer rights, and this company failed to obliged and went against the Fair debt practice act violating my rights. 
Amount : {$1100.00} Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian asking for a method of verification on 3 of my collection account 2 of them are XXXX XXXX XXXX accounts and the other is XXXX XXXX.  They closed it three days later, I called and talked to XXXX whos on team # XXXX stated that they sent my results on XXXX XXXX that includes some of my requests such as a wet written signature, name of person that did the investigation, who the investigator talked to to get the information thats verifiable and so forth. She said it was sent via email. I never received that email so I asked her to resend it and also send it via email. She complied and told me it would take 24-48 hours to receive the email. I received the email yesterday also confirming that I did in fact get the email but it was not what I asked and it still didnt have any methods of verification. I called today requesting that they delete the account because in the letter I stated that if there wasnt any methods of verification to delete the account, XXXX told me that Experian doesnt do methods of verification, they send what I sent to them to the lender. So my problem is these two different reps told me two totally different things, and also after sending my letter to the lender how fo they verify if its verifiable. I didnt understand his reasoning so I asked to be transferred to the supervisor which his name is XXXX, XXXX took really long to transfer me to him so Im pretty sure XXXX told him already what my problem was because when I got on the phone with XXXX he didnt budge he in fact told me the same thing XXXX did. So I asked him to delete the accounts because my request wasnt made, he basically told me that Experian doesnt care about reporting inaccuracies and inaccurate info when the lender tells them to delete they will. I am saddened that still in 2021 XXXX petiole still cant have what belongs to them. XXXX people voices still aren't being heard. XXXX is still under investigation, XXXX said they mailed out my requests the next day they received them, which is impossible so Im going to file a complaint with them as well if they dont do neither such as their sibling Experian.
Product: Credit reporting or other personal consumer reports

The removal of the inquiries below they are fraudulent and do not belong on my credit reports 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
Product: Credit reporting or other personal consumer reports

Credit billing dispute submitted and XXXX letters to CEO and creditor directly.Follow up calls placed to creditor for open account that has been in good standing since XX/XX/year>. I was told a response would be provided in XXXX after submission and have not received any results or update on my account. 
I did not consent to this being reported on my consumer report. Anything being reported needs to be consented by the consumer. After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. I would like this to be rectified. I was not properly notified according to 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date prior to late payments being furnished to Experian, XXXX and XXXX. 
( Please see attached )
Product: Debt collection

I do not know who opened the account and didnt until account showed up on my credit report. I filed a police report and submitted other required information to Target and to all credit reporting agencies, however XXXX and Target refuse to remove this information from being reported correctly. XXXX claims all Target has to do is say it my name address and ss # and it stays, Well that is the VERY information the person committing the fraud uses to obtain said credit in my name.. 

Ive even submitted copies of fraud activity removed from all agencies from 2004. This is my life and I feel like im being played with from all angles and Im gon na fight this until its corrected because im tired of it all. It impeads on my credit scores, my ability to purchase, and its extremely stressful to have to deal with this.
Product: Bank account or service

XX/XX/2016, I changed cable providers based on the understanding that I would receive a special box for high definition TV as well as internet service for my SMART TV. The salesman misrepresented the service, they do not have high definition boxes and will not have them for 6-12 months. I asked to cancel the XXXX service due to misrepresentation within 3 weeks of signing the contract, but they refused. The only reason it took me this long to cancel was that they continued to lie to me, telling me the internet at my house was n't of good quality. I cancelled the service and told them that I would not pay for two years of a service that could not even be provided to me. 

I then called Chase bank to discontinue auto draws for the service. The Chase representative told me that he could n't stop the payments, which I did n't understand. He then told me that if I cancelled my card and got a new number that the auto withdraws would not be able to go through. I did as he suggested and cancelled the XXXX card, and got a XXXX one. 

In XXXX Chase bank allowed a credit withdrawl on my new card from XXXX XXXX for the full amount of the 2 year contract for {$430.00}. I never gave the new card number to XXXX XXXX. I do not know how they got access to the new number that Chase told me was safe. 

When I called Chase to complain they told me that the first representative that I spoke to gave me misinformation and that legally they could n't stop the withdraw on the new card. 
First I was lied to by XXXX XXXX who sold me a service they could n't provide, then Chase bank lied to me about obtaining a XXXX card to ensure my money would be safe. I did not sign a contract with XXXX XXXX to allow them access to my new credit card, Chase had no right to allow this access. It is especially upsetting that the only reason I got a second card was that Chase told me it was a way they could keep my money safe. 

I would like for this complaint to be against both Chase Bank who allowed a company access to my account without the appropriate permission from me as well as against XXXX XXXX who sold me a service that does n't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original lender Regional Acceptance is reporting the account three late or missed payments as of today which is incorrect. The payment is due the XXXX of each month. The credit report shows my payment on time XX/XX/. The remaining two late payments would be XX/XX/XXXX  and XX/XX/. The next payment to reflect three late or missing payments is not yet due until XX/XX/. This is not accurate credit reporting and does the greatest amount of damage to my credit report and credit rating.
Product: Debt collection

I'm frustrated with the fraudulent accounts on my credit report, and I warn that any non-compliance by your bureau may lead to legal action. It's unacceptable that only your bureau continues to report these accounts, causing harm to my credit score, while the other bureaus and creditors have already addressed and removed them. I demand immediate action, a thorough investigation, and written confirmation of the resolution to avoid legal consequences. XXXX XXXX XXXX XXXX Date opened : XX/XX/2XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2016 account was closed! I did a voluntary repossession and report says involuntary! Also account has been closed and company ( credit acceptance ) has added {$10000.00} to bill in the last year or two. I tried to settle for a few thousand a couple of years ago! That's when I found out that they had added {$10000.00} to the account that has been closed. And also that they are claiming it to be an involuntary repossession. All three bureaus say different things!
Product: Credit reporting or other personal consumer reports

To TRANSUNION XXXX XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. XXXX # XXXX has verified the date and stated that they are reporting correctly that any inaccuracies would fall on fault to the 3 bureaus. I filed many disputes about this issue with no results. As it continues to cripple my financial obligations to other credit companies and violate my civil rights while we try to figure out who's at fault here. 
I received a notification that I had another late payment added to my report today. No charge off account should have late payments attached to it. It is late by default. And this is a very serious violation seeing this has went on so long. XXXX has XXXX late payments attached to it. This is a deformation of my character and against several laws. Along with that each Credit Reporting agency is reporting a different balance as you will see in the attached photos and all have a different date of last activity. This account was verified and validated as being in compliance to the FCRA but how? 
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you each remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements. 
With Great Sincerity, XXXX XXXX
Product: Money transfers

PayPal has my payments received on hold due to the amount sold on ebay recently, was told I had to wait for my money even though PayPal received fee. I called customer service twice on XXXX/XXXX/16 and the first time I called, I was told to call back later because the payment processing department was n't open at that moment in time. When I called later, I was told that because the items that I had XXXX were high end ( XXXX sneakers ) I had to wait three days before receiving my funds. My first issue is that I have been a member of PayPal since I was XXXX XXXX XXXX ( I 'm XXXX ) and have n't had money held since I started. Second, the buyer received the item and I still do not have my money. Third and most important, PayPal has received the fee they charge for completing the transaction in advance of distributing the funds to me. Why do I have to wait for my funds yet PayPal can take their money without waiting? This is an absurd practice. When I stated all of this to the customer service representative, they told me there was nothing they could do. I then asked to have my fees refunded as I think it is inappropriate to receive payment without rendering a service, but it was immediately declined. The ticket # for that complaint is XXXX. Account ID : XXXXXXXXXXXX
Product: Student loan

My compaint is about the unnecessary classes XXXX sold me on. I wanted to only take XXXX cources, but the person who told me about the classes told me to take XXXX classes also to make more money. Unfortunately I signed. Shortly before I finished the guy who sold me on the classes got fired. After graduation I could not afford XXXX for both XXXX work and XXXX  work so it was not possible to do both and they are both full time jobs so nobody would have time to do work in both fields. I want my XXXX  related expenses terminated. It was very deceptive to want me to do both programs.
Product: Debt collection

Hello, I have tried on numerous occasions to get this debt removed. It doesnt not belong to me. I am a victim of identity theft. Police Reports were filed and there is a note on my credit bureaus as well as with the FCRA. Kay Jewelers ( XXXX ) has been trying to collect a debt from me that I do not owe. I have provided my ID, place of residence etc and asked them to provide me with this collection info to no-avail. This is sitting o not credit report and making it difficult for me to obtain things that I need. I am livid! How does one allow someone to get credit under someone elses name with our actually providing the correct information?? 

I need this collection item removed upon receipt.
Product: Debt collection

Convergent Outsourcing Inc is reporting that I owe XXXX XXXX  a balance of XXXX and I do not owe XXXX  XXXX  anything. They were in my bankruptcy but also charged my bank account XXXX for unreturned equipment, This debt has been paid.
Product: Credit reporting

The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with Experian, Equifax and XXXX and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.
Product: Debt collection

About 5-years ago, I found out that someone stole my identity and then got a factoring loan. I am a XXXX XXXX. I don't even know what a factoring loan is. 

I called the collection agency. They told me they understood it was not my loan and said they would remove it from my credit. 

Now, I am trying to buy a home and my loan officer showed me my credit. They lied to me and are still reporting it! 

There is no way they can prove to you that it is my debt because it isnt my debt. It is the thiefs debt. The collection agency has a responsibility to remove incorrect information from my credit.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have filed several police reports and notified law enforcement of fraudulent use of my identification. My personal information has been leaked in several data breaches. I have two credit inquiries on my Equifax credit report in which I did not authorize ; XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the account was mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.
Product: Money transfer, virtual currency, or money service

I would like to file a claim for Block inc due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) .Specifically Cash app failed to make timely and effective measures to prevent and address fraud on their platform leaving my information vulnerable and unprotected, Their dispute resolution process was deceptive and u fair as they did not follow the error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have cause significant financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove the United States Post Office as my personal address was ignored by Experian reported XX/XX/2018. I received notification that the address reported by and on Experian file at XXXX XXXX XXXX # XXXX XXXX XXXX, Md XXXX was high risk to lenders. 

On XX/XX/2018 a consumer file was pulled from XXXX showing XXXX XXXX XXXX Unit XXXX XXXX XXXX, Md XXXX.