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

A colleague at my work could not open an account at BECU and asked me to deposit her paycheck in my BECU account and provide her with the money. I asked the representative in the XXXX branch whether this is okay and he said that it is okay as long as she signs the back of the check, but it may take a few days to clear. I deposited the check as directed. XX/XX/year> BECU then blocked my account and customer service said that I was not allowed to deposit a third party check. XX/XX/year> I explained that the bank rep told me it was okay, yet customer service told me she can not do anything about it and I'll have to wait 10 days for it to clear. XX/XX/year> After 10 days, I called customer service again and this time I was told that they XXXX block my account indefinitely and insinuating that I did something illegal by following BECU 's rep 's directions. My coworker is willing to testify and confirm all these details. 
I want to close my accounts with BECU and I want them to return my money. They are currently holding around {$2700.00} of mine ( I gave the coworker her money for the check since it is not her fault BECU is doing a bad job ). It can not be right for them to hold my money indefinitely, just because BECU messed up.
Product: Credit card or prepaid card

I held a credit card account with Discover since XXXX. I had not used the account for more than a year -- the last time it carried a balance was XX/XX/XXXX -- but I was given no indication anything was wrong, and had even received a new card to activate, replacing my old one. I activated the card online on XX/XX/XXXX with no apparent issue, but when I went to use it the next day for a point of sale purchase, it was declined. 

After calling Discover on XX/XX/XXXX with my issue, they informed me the account had been closed without any notice to me. I received no communication -- not by telephone, U.S. Mail or secure message via their website -- to let me know this was the case or to give me a chance to take action and keep the account active. 

Discover said their policy was to open a new account for me, again, not a problem. But they said they could only offer me a credit limit of {$3500.00} on the account, a decrease of {$11000.00} from my previous limit of {$14000.00}. Their reasoning for doing so was my credit score being lower than it was previously, but the drop in score was a result of their unilateral actions stripping me of a nine-year old account and more than {$10000.00} of available credit. 

Any time in the past when they increased my credit limit or made any other changes to the terms of the account, I received a letter in the mail and, usually, confirmation online, as well. Even if they had kept my old account open but simply opted to lower my available credit, which would be well within their rights, isn't some form of notification required? 

I never missed a payment on the credit card and also paid off an {$8000.00} personal loan with their bank over a four-year term. After all that, Discover pulled the rug out from under me and put me in a tenuous position using more of my available credit than I'm comfortable doing, further adversely impacting my credit score. 

I'm very disappointed in their actions, and want to find out what recourse is available. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 

The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the XXXX account ( Date Opened : XX/XX/XXXX, XXXX : {$770.00} ). I am unsure of the accuracy of the XXXX of {$770.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. In addition, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
The following account is not mine : XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$350.00} ). Please remove it from my credit report. 
I require that you verify the account identified as XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$530.00} ) because your reporting represents the information incorrectly. The XXXX of {$530.00} reported by you is inaccurate because I believe it should be a lower amount. Moreover, the Past Due amount shouldn't be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor so that this account is not held against my credit standing. Also, I require that you verify the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2018 at XXXX XXXX XXXX we received a call from Monterey Financial XXXX. Person leaving the message was clear until what the matter was regarding and then made what they were saying very hard to decipher until she gave the phone number and extension to call her back at.
Product: Credit reporting or other personal consumer reports

I received a call from a credit collection company around XXXX of XXXX, upon answering the call, the agent attempted to verify my information by asking me to tell them my identifying information which I did not do. I recently had my number changed and not sure how they obtained it as I have not shared my number with any companies besides the ones that I am currently doing business with. However, the agent proceeds to tell me that there is an outstanding bill for {$4500.00} with them. When I inquired about the bill they informed me that it was a loan with XXXX which I had informed them that I had not taken out a loan. The agent asked me had I ever had any type of identity theft in which I told her I did, around XXXX. She informed me that the account was opened in XXXX and that I need to take care of this issue. Prior to receiving this call, I had paid over {$15000.00} to settle debts that were reflecting on my credit, and this bad debt was not XXXX that was on my credit. I inquired with the agent to send me information regarding the loan including the contract that was signed by me to my address, for which she stated she would do. To date I have not received any information regarding the loan, I only received XXXX call about the loan and noticed that this bad debt is now reflecting on my credit. It was reported on XX/XX/XXXX. I have attempted to do a dispute with the credit bureau but the company is stating that it is a valid debt. I need this removed from my report immediately and would appreciate any assistance you could provide.
Product: Debt collection

Midland Credit Management : 1 ) Is still reporting on my credit file illegally. 

2 ) Them removing themselves after confirming the original creditor has been paid, is not contingent on whether they get paid. this has nothing to do with me. Thats an issue between them and XXXX who they had a contract with. 

3 ) They also refuse to remove them selves as a form of retaliation. 

4 ) Should be fined at the highest possible level for retaliation, false reporting, and lying to the CFPB. 

5 ) Fined for not immediately removing themselves from my credit file, by continuing to do me serious harm credit wise. My credit score is lower because of this intentional false information
Product: Debt collection

Both reporting agencies have been made aware that my identity have been compromised years in advance to these collection agencies reporting inaccurate or fraudulent accounts generated in my name. I have been disputing these accounts such as XXXX XXXX XXXX which is being sold from debt collector to debt collector. I have made the reporting agencies aware of these fraudulent accounts by disputing each and everyone of these accounts through XXXX XXXX however the reporting agencies are continuing to report these accounts case in point original XXXX XXXX XXXX XXXX continuing to sell off an account that was not created by myself. This is not only affecting my credit score in its entirity but its affecting my lively hood and my ability to operate efficiently in the present econmy. This is emostional damaging me. Reporting agencies are extreamly difficult to contact via telephone due to the current pandemic please help me to resolve this matter by having the Reporting agencies immediately remove the following fraudulent accounts which are as follow, XXXX XXXXy balance showing {$1300.00}, XXXX XXXX XXXX which is showing a balance of XXXX, XXXX XXXX XXXX which is showing a balance of XXXX and this recent account which is another collection agency trying to collect for an account from XXXX XXXX XXXX which is not an account that was opened by myself. I also would appreciate if the Bureau would encourage the reporting agencies to do extensive investigating before reporting any accounts on my credit profile which may not be accurate due to fraudulent dealings thank you.
Product: Credit card

HI Sir/Madam, Sub : To whom it may concern. 

I applied for XXXX XXXX XXXX access more card form XXXX and approved. they are offering if I spend {$2000.00} in first three month and buy the phone from there provide link from their website then I will get {$650.00} statement credit. I did what they told me and also the lady I placed the order from XXXX bank also stated on my account that I will get my statement credit. But still two month and I did n't receive my credit. when I called them they are asking me to send me the receipt of purchasing that phone which I bought it from their link and also from their credit card. It a false advertisement and waste of time for consumer who have to call and wait for his money. They should stop this kind of advertisement and when consumer call them and placed the order with them as they describe they should issue that credit right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list below has violated my rights. 

15 U.S.C. 1681 Section A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

I recently received a copy of my credit report, and I noticed a collection posted on my credit report from Paramount Recover System.There has'nt been any documents provided stating this is a factual account. Also, this account appears to be purchased from another company. 

This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give them written instructions to furnish this on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information sold to transactions or experiences between the consumer and the person making the report.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX D.C. XXXX Dear Sir/Madam, I am writing to file a formal complaint against CashApp regarding multiple issues I have encountered with my account. These issues have caused me significant frustration and financial concern, and I am seeking assistance in resolving them. 

On [ insert date ], I noticed a series of large, unusual transactions on my CashApp account. I immediately alerted CashApp customer service, informing them that I did not authorize these transactions, and that my account had likely been compromised. Despite my prompt notification, CashApp denied my dispute and failed to take appropriate action to investigate or reverse the fraudulent transactions. This lack of action left me at a considerable financial loss. 

In addition to the failure to address the fraudulent transactions, I also encountered a problem where CashApp blocked my card from legitimate purchases that I attempted to make. However, they allowed the fraudulent charges to go through with ease, further compounding my frustration and highlighting their poor handling of the situation.

I believe CashApps response to this matter was inadequate, and their actions have caused unnecessary financial harm. The fact that they allowed fraudulent charges to be processed while blocking my own legitimate transactions is unacceptable.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in holding CashApp accountable for their mishandling of both the fraudulent transactions and my legitimate account activity. 

Please let me know if you require any additional information or documentation to proceed with this complaint. I am available at XXXX or XXXX if you need further details. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX. 

Issues were reported to CashApp on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the XXXX  Attorney Generals office, XXXX XXXX XXXX and more complaints to the CFPB will be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an agency, XXXX XXXX XXXX, reporting negative information on my credit report that has an incorrect mailing address that they are using. After reviewing my credit bureau report, I sent a certified U.S.P.S. letter to this agency and it was returned to me. I am asking an investigation be conducted on this agency by XXXX  and Experian.
Product: Mortgage

Ocwen Loan Servicing LLC is running some sort of insurance scam, are incompetent or just likes to harass those of us who are unlucky enough to have our loans sold to them. Every year they purchase insurance on my behalf for Hazard or Flood, even though I send them the documentation that I have purchased the insurance. In fact no matter how I send it to them ( Mail or Fax ) they never have a record of this, and it goes on for months, and up to XXXX calls a year and multiple submissions of the same documentation to resolve it. When they finally acknowledge receipt of the information many months have passed and during those months my payments are higher due to insurance added on. This is theft, or fraud plain and simple. Not to mention I get a letter every week threatening me if I do n't comply with their " orders '' even though I have complied multiple times
Product: Debt collection

XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX to direct all communications to : Creditors, Bureaus Investment Group Portfolio No XXXX XXXX and XXXX Bank, XXXX XXXX. XXXX XXXX XXXX XXXX in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {$79.00} and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.
Product: Student loan

During my sons stay at XXXX College of art and design from XXXX through XXXX, we took out XXXX student loans through XXXX under my son 's name totalling {$68000.00} {$4000.00} on XX/XX/XXXX {$15000.00} on XX/XX/XXXX {$18000.00} on XX/XX/XXXX {$31000.00} on XX/XX/XXXX When my son graduated he continued to pay another loan of XXXX dollars under his name, in the year of XXXX my taxes were deducted because they owed {$85000.00} dollars because, they star to charging interes from the first day that we took the loans on XXXX, the loans when my son graduated, was charger with 4 years interes, I do not know how those loans were left to my name. According to XXXX XXXX I would pay monthly only XXXX dollars for a year to come out of collection and I do one year auto pay, but they never told me that the loan would continue to increase and they transferred my account to NAVIENT now, they charge me {$95000.00} because they say the interest is up to 7.9 % When I was never notified of this XXXX loans in 5 years, I was assuming that the loans in fafsa were free student loans, my son was never informed during all these years because they were confidential in my name, but I'm not thee student they need to know about the loans, very appropriate for the company to continue increasing the interest in an incredible way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached dispute to TransUnion on XXXX/XXXX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.