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

We have had a trade account for nearly XXXX decades. Morgan Stanley recently acquired XXXX. 

We have high net worth, and have millions in savings and checking. We recently decided to transfer funds to XXXX due to better rates. 

Approximately XXXX weeks ago, approximately XXXX XXXX was transferred to etrade checking. They put a freeze on the account. Despite responding to the freeze with a follow-up call ( in which they indicated funds would be released ), we are still unable to access funds. 

I believe this is not a security issue, but a predatory business practice. 

We ask our funds be released, so we can transfer to another bank- and we receive a credit for the interest due on over a XXXX dollars recently deposited in checking ( at the rate provided by XXXX XXXX not the higher rate provided by XXXX XXXX. 

This is unethical. Predatory- and worth thousands of dollars.
Product: Debt or credit management

On XX/XX/XXXX, I was charged and paid {$930.00} Customer Settlement Fee, on XX/XX/XXXX, I was charged and paid {$370.00} Customer Settlement Fee and on XX/XX/XXXX, I was charged and paid {$1100.00} Customer Settlement Fee and over a span of 3 months I was charged over {$150.00} in Other/Miscellaneous Fees. 

My request has not been successfully by National Debt Relief to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXXXXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor.
I disputed with the CRA onXX/XX/XXXX ; XX/XX/XXXXand XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX 1. XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXXXXXX XXXX XXXX Balance : {$9300.00} XXXX : 1. XXXX XXXXXXXX XXXX  XXXX Balance : {$9300.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized account from my credit report, as I am a victim of a data breach. The account listed below was opened fraudulently using my personal information, and I request its immediate removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/year>XXXX XXXX  Amount : {$0.00}
Product: Debt collection

I got a call from a representative from Genesis Card Services on today. Monday, XX/XX/2022, and I am continually getting representatives that are breathing on the voicemail or saying my name continually and then hanging up the phone. I recently received a call on XXXX, XX/XX/2022, at XXXX and the representative did not leave a voicemail. I feel these tactics are Genesis being able to say that an attempt was made to contact me. I found out it was Genesis Card Services after looking up on XXXX and reading the reviews. I dialed the phone number as well and an automated prompt came up for Genesis Card Services. The phone number used is XXXX. 

Genesis FS Card Services and is a subsidiary of XXXX XXXX XXXX XXXX XXXX. 

https : XXXX There must be a representation, OMISSION, or practice that misleads or is likely to mislead the consumer. 
An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. 
Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers ... Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled. An individual statement, representation, or omission is not evaluated in isolation to determine if it is misleading, but rather in the context of the entire advertisement, transaction, or course of dealing. 



I find this to be a deceptive act by Genesis FS Card Services because I am unable to know my account standing as of now. Secondly, the representatives have not left a call back number for any debt resolution. The omission of this information has caused me to be unable to decipher or determine what is my best decision after as debt resolution with their company. 

Lastly, I have not been informed of any changes to my credit reporting or any risks I have with the current standing of the account in compliance with : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
Product: Prepaid card

bank of america is refusingto give me money that is owed to me.after they made me verify my identy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made :  XXXX   XXXX   XXXX  - Account #  XXXX
Product: Vehicle loan or lease

I extended my lease with XXXX XXXX of XXXX XXXX NY for another 6 months. I am up to date with payments and the dealership told me that I am all set and to simply continue making payments. I have been receiving notices in the mail and calls to return my car, as well that I am behind in payments. I called them several times regarding the same issues to explain that I am current, and extended my lease. The last time I spoke with them they said to please disregard the notices as they made a mistake. My credit report now shows someone elses delinquent account that I am not a co signor for, and my credit score has gone down over 70 points because of this. I have been trying to reach them again and have been given the run around. No one has called me.
Product: Mortgage

In XXXX, I refinanced my mortgage with XXXX XXXX. At some point, I decided to pay my mortgage by Electronic Funds Transfer. In XXXX, I was having XXXX XXXXXXXX, and asked for paper billing. I received paper billing, along with a letter stating that I had been paying my mortgage on 2 bills. XXXX XXXX, then stated that I would be given the newer number, dropping the first mortgage. After a couple of months, XXXX XXXX changed my mortgage lender to Specialized Loan Servicing. I continued to pay my mortgage to Specialized Loan Servicing. When I decided to refinance this past year, I was told that there was no record for between 10-24 months, of my Mortgage being paid. I  contacted CPFB, and requested that my account be brought up to date, and that my payments be reflected. At this point, I feel that XXXX XXXX absolutely did the wrong thing when they duplicated my mortgage payment, and that is grand theft. I also feel that Specialized Loan Servicing, by not making note of my payments, for 10-12 months, also negatively effected my credit.
Product: Credit card or prepaid card

I originally had an account with capital one back in XX/XX/XXXX I could not pay the card off so my account went into a charge off status capital one sent my account to a collection agency called XXXX XXXX XXXX XXXX and I made a settlement agreement the original balance was for XXXX XXXX XXXX settled the account with me for a total of XXXX the first XXXX dollars I paid on XX/XX/XXXX and the second payment of XXXX was going to be paid on XX/XX/XXXX I called client services on XX/XX/XXXX to make my final payment and I was told that capital one took the account away from them. Capital one has a payment of XXXX dollars from me this is unacceptable and I want this situation resolved. I have been trying to call XXXX XXXX at Capital One to resolve this but she has not returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is me and my twin sister have the same SSN except the last number. It's alot of stuff on here and need to be removed due to not being mine and some might not even be my sisters. However, this issue has been going on for to long and I'm not getting the help I need to resolve this issue. I'm in the military and want to continue moving forward and this has me at a stand still. Immediate attention please. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Dispute XXXX XXXX Account # XXXX Dear Experian, This letter constitutes a formal dispute of the alleged debt you claim I owe, as outlined in your communication dated XX/XX/XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I hereby dispute the validity of this debt in its entirety. I request that you cease all collection activity on this account immediately until you have provided me with the following : * Verification of the debt : This must include the following information : * The name of the original creditor to whom the debt is owed.

* The amount of the debt, including any applicable interest, fees, and penalties.

* A clear statement of the date ( s ) and amount ( s ) of the original transaction ( s ) that resulted in this debt. 
* A copy of any supporting documentation, such as contracts, invoices, or judgments. 
* Cessation of communication : As per 15 U.S.C. 1692c ( c ), I request that you cease all communication regarding this debt until you have provided me with the requested verification. This includes, but is not limited to, phone calls, letters, emails, and text messages.

I understand that my failure to dispute this debt within thirty ( 30 ) days of receiving your initial communication may be construed as an admission of liability. However, I reserve my right to dispute the debt at any time. 
I expect a prompt and written response to this letter within the timeframe required by law. I will consider further action, including legal recourse, if I do not receive the requested information or if you continue collection activity during the dispute period. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX has an account reporting on my credit in the amount of {$3800.00} that i did not authorize or initiate.
Product: Vehicle loan or lease

I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. I am excising right to rescind due to this companies negligence non compliance, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$500.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ 1 ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ 2 ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX  XXXX XXXX  forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.
Product: Mortgage

I was refinancing with XXXX and the loan company I have Ditech has incorrectly filed to XXXX XXXX that I was late on 3 payments. I have my bank statements showing that I am not late and I was charged for my XXXX 2015 twice when I paid XXXX the prior mortgage company XX/XX/XXXX but Ditech states that I did n't although they see I made the payments they are saying to pay XX/XX/XXXX. I have a print out from XXXX that I do not owe XX/XX/XXXX. So because I made additional mortgage payments I should n't be late and they either owe me money or change the payments to show I am a month in advance.
Product: Mortgage

My Complaint is Against United Wholesale Mortgage ( UWM ). 
On XX/XX/XXXX my loan was paid in full ( by way of a Refinance also with UWM. I have never had an Escrow account with either of my mortgages with UWM ( I pay my own property taxes and homeowners insurance ). I am owed a Refund for Overpayment of the Paid in full loan- Not a refund of any Escrow account as I've never had an escrow account with UWM. The amount I'm owed is in Excess of {$3500.00}. It is now XX/XX/XXXX ( 41 Days Later ) and I have still not received my money. 

On XX/XX/XXXX as per UWM online records, UWM received wired funds to pay the mortgage in Full of {$480000.00}. On that day the Principal Balance indicated on their website was {$480000.00}.

On the UWM Website, it indicates 2 refund payments, one for {$3600.00} and another for {$4.00} both on XX/XX/XXXX and both with the reference " Escrow to Mortgagor Disbursement '' On Monday XX/XX/XXXX at XXXX XXXX, I called UWM to find out the status of my refund ( Loan had been paid off over 30 days at this point ). I spoke with the initial representative and then a supervisor ( didn't document their names ). They both gave me different dates as to when my Check had been mailed out and the initial representative further told me that they do not control the USPS. After getting conflicting information as to when it was mailed and when I might reasonably expect to receive my refund, the supervisor said that it could take up to 10 days from mailing date and recommended I wait until at least the end of the week to see if it arrives in the mail ( XX/XX/XXXX or XXXX ). 

On Wednesday XX/XX/XXXX at XXXX XXXX, I called UWM for a 2nd time, this time Representative XXXX told me they recommend waiting at least 21 days from mailing date and so i should wait a while longer. I told her that was now unacceptable and that I wanted the payment reissued to me in an overnight package. She sd. that couldn't be done. I asked why a multibillion dollar corporation could not use XXXX or XXXX  XXXX to expedite my overdue refund. She just continued to say it was not possible. Lastly, I asked simply how I could get my money as soon as possible. XXXX sd. that all she could do was request a cancellation of the supposedly mailed check and reissue which would now take 3 to 4 days of additional processing time and then whatever regular USPS mail time would be. I said OK, well whatever you need to do to get me my money. 

I feel that UWM is playing games, is not being forthright in issuing me a Refund and may be in breach of the law. 

XXXX XXXX
Product: Debt collection

Discovery Financial Services attempting to collect a debt of {$210.00} for Emergency Services that was fully paid by my daughters insurance.
Product: Credit reporting or other personal consumer reports

Using the governments website I obtained my credit report from the big 3. Equifax had my name wrong so I tried to dispute it. I included a picture of my driver 's license in the dispute. They closed the dispute a couple of days later and said I needed to submit documents that identified me, such as a driver 's license. It was not obvious how to send these in after the dispute was made ( even though I had already done it ).

I tried again a day or two later. This time I included a picture of my driver 's license and my SS card. The result was the exact same as before.

It is frustrating, because all of the information in the report uses my correct name. The only spot it is wrong is what is listed for my primary name on the Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute into Experian, XXXX and XXXX disputing the XXXX XXXX Bank XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX