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

On XX/XX/XXXX I made an online transaction of {$2500.00}, using the Bank Of America banking phone app, to send money to a friend. The app claims that it only required a phone number to be able to send money to the correct recipient. Both my friend and I are enrolled with Bank of America mobile banking. I entered my friend 's phone number and transferred the money. My friend got a text message confirming that I made the transfer, but the money never got deposited to his account. On XX/XX/XXXX, We called Bank Of America to ask what going on. They explained that the money went to a different person. They briefly explained that there was an error in the process of registering account with phone numbers. And there was another account associated with my friend 's account. We filed a a claim with Bank Of America on the same date. On XX/XX/XXXX I called Bank Of America to ask for an update, and was told that my case got closed without anything they can do because the person who had my money didn't have enough money in his account to return my money. I was told to seek my own legal counsel, and denied all responsibilities, even though they're the one at fault for transferring my money to the wrong person. The law services I've been contacting would not want to take the case because the dispute amount is too little ( but it's not for me ). I don't want to lose my money for I did not make any mistake. I don't feel like it's my responsibility to clean up this mess.
Product: Mortgage

My mortgage company, CARRINGTON MORTGAGE SERVICES , LLC, didnt pay my home insurance to XXXX XXXX XXXX XXXX  on time through escrow. For the life on my loan, my home insurance payments have been paid through escrow. 

The home insurance was due XX/XX/2023, but my mortgage company didnt pay until XX/XX/2023. As a result, my home insurance was cancelled and the company is refusing to underwrite me again. I am struggling to secure home insurance, and what companies will work with me are charging much more. 

The home insurance company remitted the payment attempt back to me by cutting me a check on XX/XX/2023. I received that check on XX/XX/2023. My mortgage company is refusing to help me. Ive called multiple times over the past two days, and no one seems to care even though this is an error stemming from their gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I applied for an equity line on XX/XX/24. I was approved for $ XXXX, & told that a Truist loan officer would contact me for the next steps. No one contacted me or returned any of my calls to the local branch, with whom I intiated the loan. So, I went to the local branch, & was advised that the loan officer who initiated my loan no longer worked there, and had not completed my loan process before she left. Due to this, I would have to start the process all over again, with another hard inquiry to my credit, even though the first hard inquiry was already on my report ( dated XX/XX/24 ) and had already affected my credit score. After many hours on the phone with regional office, over several different phone calls, I was told ( by XXXX XXXX ) that the hard inquiry would be removed, & then we could start the process, again. The hard inquiry has still not been removed, & Truist case rep, XXXX XXXX, who has not spoken to me a single time, continues to say that the inquiry was a soft inquiry. If it were a soft inquiry, it would not show on my credit report.What she is telling me is a lie and in direct opposition to what the rest of the Truist team has advised, and in direct opposition to common sense, as soft inquiries do not show on a credit report. I want this inquiry removed, as it is affecting my buying power, in a sale that Truist has held up for literal months.
Product: Payday loan, title loan, personal loan, or advance loan

Never received proper documentation per the FDCPA OR TRUTH IN LENDING
Product: Debt collection

XXXX has send a copy of a contract that I have with speedy cash. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that XXXX provide an agreement with speedy cash that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Checking or savings account

On XX/XX/2021 I had three unauthorized XXXX payments. I made a claims to chase bank on the XXXX of XXXX and was Denied the coaims on XX/XX/2021. I signed into my account on XX/XX/XXXX, and notice my account has been hacked all my savings account was moved around to my checking account and all the money moved to my checking account was XXXX to individuals I never met a day in life and for the last two years if the did the investigation properly they can notice I only XXXX 4 people and I need your help I cant just give away hard earned money away for a fraud like this. 

XX/XX/2021 XXXX payment to XXXX XXXX {$490.00} XX/XX/2021 XXXX payment to XXXX XXXX {$500.00} XX/XX/2021 XXXX payment to XXXX XXXX {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX  [ XXXX XXXX XXXX, ] [ XXXX XXXX XXXX, UT, XXXX ] To Whom It May Concern : I am writing to dispute the following unauthorized account on my credit report : * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX  * ] * Date Opened : [ XX/XX/XXXX * * ] * Balance : [ {$1400.00} ] I have never opened this account with XXXX XXXX. I do not have any account with XXXX XXXX. I did not give my written consent to open this account. 
I have attached a copy of my credit report with the disputed account highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 
I would appreciate it if you would investigate this matter and remove the unauthorized account from my credit report. I am requesting that this be done within 30 days of the date of this letter. 
i made a complaint got no repsonse within 30 days, this is my complaint with the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting or other personal consumer reports

My personal information was leaked out due to XXXX XXXX XXXX. I have a collection for the amount of {$2000.00} being reported on my report from XXXXXXXX XXXX on the date of XX/XX/year>. This charge is out of my knowledge. My information has been getting used without my consent for years. I also see addresses on my report that arent familiar. XXXX XXXX XXXX XXXX, TN XXXX is not my address nor are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I also see names that are not my name on my report. These names that are showing up on my credit is not correct. My name XXXX XXXX XXXX XXXX. My name XXXX XXXX, XXXX. My name isnt XXXX XXXX, XXXX nor is it XXXX XXXX, XXXX. All these unfamiliar names were used. I also have collections from ARC MANAGEMENT GROUP Opened XXXX {$1400.00} ARC MANAGEMENT GROUP Opened XXXX {$1400.00} ARC MANAGEMENT GROUP Opened XXXX {$2100.00} ARC MANAGEMENT GROUP Opened XXXX {$2100.00} ARC MANAGEMENT GROUP Opened XXXX {$2100.00}
Product: Credit card

Capitol One requested a copy of my credit report and has approved a credit card in our name my husband and I.I did not apply for it.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request all accounts to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on all closed accounts has been cancelled.
Product: Checking or savings account

On XX/XX/2020 I deposited XXXX checks in my Chase checking account. Immediately after the funds cleared. The bank ( Chase ) closed my account with absolutely no reason, I believe this to be unfair.
Product: Debt collection

Debt with XXXX XXXX Was paid off XX/XX/ payment was XXXX. 

Still shows up on my credit report after being told it would be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.
Product: Debt collection

I have a XXXX XXXXXXXX XXXX since XX/XX/XXXX. I made two purchases : {$100.00} and {$13.00} totaling {$110.00} to which Target added a {$25.00} late fee charge. I did not receive communication stating the amount was due from Target until the first week of XX/XX/XXXX nor did I get telephone call. I tried to make a payment of {$140.00} using American Express. They asked for the checking and routing number INSTEAD OF the DEBIT CARD NUMBER which I supplied to them to make the payment on all of my previous orders. I find out today that the {$140.00} amount was not accepted and they applied ANOTHER late fee for a total of {$170.00} XXXX {$55.00} in late fees ). I called and spoke to four customer representatives of Target, one of which I tried to make the full payment of {$170.00} but was told " the logo for the card did not pop up '' so payment could not be made. I tried paying online and they still had " This is an attempt to collect a debt '' on my sign in page and asked for my checking and routing numbers. Had to call customer service to unblock my being able to enter my debit card number to make payment but they did not do so. I believe they are going to try to charge another late fee of {$29.00} and I REFUSE TO PAY THEM ANYTHING BUT THE {$110.00} that is owed. This is pure ROBBERY!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. 
XXXX, Experian nor XXXX sent any verifiable documentation as requested. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Credit reporting or other personal consumer reports

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. The account in question is listed below : XXXX XXXX Balance : {$12000.00}
Product: Debt collection

Steel River Systems LLC 's collections accounts are fraudulent attempts to collect on behalf of XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX or Steel River Systems LLC. Steel River Systems is attempting to collect two separate debts that originated from XXXX XXXX XXXX. One in the amount of {$3000.00}, and the other in the amount of {$2600.00}. The amount of {$3000.00} suspiciously matches my federal tax refund. My information was also leaked as part of an XXXX XXXX XXXX  data breach. The collection shows up only on my XXXX credit report. All accounts are paid in full and current. This is a fraudulent attempt to collect on an account that I have never had. I do not have a corresponding account number because I have never had an account with these businesses.
Product: Money transfer, virtual currency, or money service

I received a text message from a phone number XXXX claiming a {$1400.00} transfer could not be completed through my Wells Fargo account. This is not in the slightest bit correct as I do not have a Wells Fargo account anymore. It sent a link http : XXXX. I opened it and it asked me if a was a robot and when I clicked no it directed me to a Wells Fargo login and when I clicked on dont remember password/username it remained at this page and didnt take me anywhere else. This is very suspicious and would like to work towards a resolution.
Product: Mortgage

We ( My sister and I : Sister-On Deed/Not On Loan ) were given a payment arrangement, after the company ( Selene Finance ) stopped accepting our monthly payments. 

The POC ( XXXX XXXX-Point of Contact ) willfully made derogatory reports to my sisters credit bureau and stated that she was on the loan ; which she is not, so consequently she was not able to obtain a loan, which is why we are behind due to Selene 's derogatory reporting. 

This is the second attempt with a " Qualified Written Request '' to work with this company, which both times they did not properly respond. 

Selene Finance is liable for RESPA Violations, Fair Credit Reporting Act ( FCRA ) Violations, that have caused illness and stress to my sister ; which we've submitted doctor reports of them being liable for various damages and violations.
Product: Vehicle loan or lease

I received a different car interest rate with Wells Fargo car dealer services loan for my purchased vehicle in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to equifax about inquiries that were fraudulent and i was told multiple times that this would be fixed and that these inquires would be deleted and that has not happen. This has been going on since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

( New and Updated Information ) Please see attached documents. TransUnion Deletion Notice XXXX XX/XX/2023 Credit Report per FCRA the " creditor '' / " company '' must supply the same information. 

Fraudulent Inquires on report I did not authorize for the companies to pull my consumer report.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am requesting Equifax to fix their website. When I login to myEquifax website account it states We are temporarily unable to retrieve the status of your security freeze. Please try again later.. The myEquifax website malfunction is shown below in the 2 images in the attached document and highlighted in the red rectangles. The status of my security freeze should be available when I login into myEquifax account.

According to EquifaxFor your convenience, you can also place, temporarily lift or permanently remove a security freeze on your Equifax credit report by logging in or creating an account at www.myEquifax.com.

I have contacted Equifax by phone on XX/XX/year> and again on XX/XX/year>. Both times the Equifax customer service representative stated they will escalated to technical team to resolve the website malfunction. They said that they will contact me by email or phone, but Equifax never contacted me..

Unfortunately, when I login to myEquifax website account it states We are temporarily unable to retrieve the status of your security freeze. Please try again later.. This is not a temporary issue since it has been on-going since the beginning of XX/XX/year>. 

I am NOT asking Equifax to change my security freeze. The Equifax response is requesting all my identification information in order to take action on my security freeze. This does not address the problem with myEquifax website account.

The myEquifax website account is not functioning correctly. Your assistance is greatly appreciated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I invested {$100000.00} in good faith in a 1 yr CD with Bread Financial. This represents all of my savings. I am retired and on a fixed income. On XX/XX/XXXX, I requested via telephone that my interest be transferred to an outside checking account. The external account was set up and confirmed. The nightmare of incompetence and numerous phone calls began. I was told the ACH would take 3-5 business days. On day 3, I followed up with Bread to confirm it was in progress. I was told my account was restricted due to " suspicious activity '', logons from outside Florida where I live. I explained that I use a VPN, which shields my location and is a security measure. She then told me I needed to send 2 bank statements, copy of my license and social security card. I submitted those within 24 hours. I received confirmation of the receipt the following day. It would take another 1-2 days before they approved the transfer. After numerous conversations with different representatives over the following week, I was unable to get an answer as to why there was a delay. Each one gave me a different response. I finally reached a representative in their security dept who told me the restriction was never lifted and was their error. He would lift it as we spoke. He then transferred me to another representative who was clueless and unintelligible. I checked the portal which indicated that the transfer would go through. I called back, got yet another representative who then told me my CD was cancelled, I was charged {$2300.00} in penalties and the I would receive the balance back to my original account. When I told her I didn't request it be cancelled, she told me it's at their discretion due to security reasons. Please help me to get my money back from this institution. This is questionable business practice and arbitrary. I supplied all the information they asked for and in turn was abruptly cancelled. I am horrified that a financial institution can conduct business in this manner and not be answerable. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Debt collection

XXXX sent a certified debt verification letter to : Capital Accounts XXXX XXXX XXXX XXXX TN It was received XXXX. 

They removed this collection when the debt verification letter was received y them but after the 30 days was up they placed it back in collection. It is XXXX and I still have not received any response from them requesting verification. They are continuing to attempt to collect.
Product: Mortgage

I had a mortgage with Wells Fargo and I was foreclosed, not able to modify the mortgage to lower the payments.
Product: Debt collection

Repetitive phone calls to friends and family more than twice for each member, telling them that someone wants to file a complaint against me, inferring a criminal charge which is false. I am on XXXX and they can not collect from me and they have been told that. But they still call from all these numbers weekly harassing me and my family. Part of the messages are spoken by a human and the other parts are computer generated. 

XXXX CFS, Central Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Also ID themselves as 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 CFS. XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CFS Legal Department XXXXXXXX  CFS XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS, Coastal XXXX CFS, XXXX XXXX XXXX , XXXX XXXX XXXX CFS, CFS/Coastal XXXX CFS, XXXX, XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS/XXXX  XXXX CFS Collecions XXXX CFS/Coastal XXXX CFS XXXX CFS  XXXX CFS XXXX CFS XXXX CFS, Coastal XXXX CFS XXXX CFS ( Using State Compliance Officer Scam Routine ) XXXX CFS, XXXX XXXX , XXXX & XXXX XXXX XXXX Coastal, XXXX XXXX , CFS, XXXX XXXX XXXX , Coastal Financial XXXX Coastal , XXXX XXXX XXXX , XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX Coastal XXXX Hopeful, CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX, XXXX XXXX CFS XXXX CFS XXXX XXXX, XXXX, CFS XXXX company calling for XXXX XXXX XXXX CFS XXXX The XXXX XXXX XXXX, CFS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX