23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I was 90 days past due in XX/XX/2019. I called XXXX  several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been resolved.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED IS LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION.
Product: Mortgage

In XXXX 2014, I called my mortgage servicer, Wells Fargo, and told themthat I wanted to move to a bi-weekly payment schedule so that I couldpay down my mortgage more quickly. The customer service rep confirmed that by making the switch, I would cut about 6 years off my mortgage. I just realized -almost a year later - that she switched me over to a semi-monthly paymentschedule and that I have not made any additional progress whatsoeverin paying off my loan. I am scheduling additional payments now to makeup for lost time, but am complaining because I feel that XXXX Fargodeliberately chose to put us on the semi-monthly rather than bi-weeklypayment schedule - in spite of my clear instructions - to prevent us frompaying down the mortgage more quickly. I suspect that they are usingthis tactic on others, as well. It took me a year to notice that the paymentswere being drawn XXXX a month instead of every two weeks, so this is agreat way for them to " accidentally '' prevent customers from paying downtheir loans more quickly.
Product: Vehicle loan or lease

I paid off my vehicle on XX/XX/XXXX. A few weeks later, i called to check on the status of my title and was told that the eletronic lien release was sent to the state of XXXX  on XX/XX/XXXX and it takes XX/XX/XXXX hours. State of XXXX  still has not gotten any information about the lien release. i called Bank of America today but they refused to give me any information because they could not verify me over the phone. the only options they gave me to verify was 1 ) to receive a link to use the mobile app to verify my identity, which i do not have online access to BoA anymore since my loan was paid in full and closed, they removed my online access or 2 ) go into a branch. the closest branch to me currently is about 2 hours away.
Product: Debt collection

They are looking for someone else and my name is   XXXX   XXXX   XXXX    why do they keep calling me. I was in an ID IDENTYTHEFT 5 yrs ago. Why they keep calling me
Product: Credit reporting, credit repair services, or other personal consumer reports

Removal of XXXX accounts on report should be made. I have disputed these accounts with CFPB and XXXX. I have received letter confirming removal of these accounts which should not have been reported in the first place.
Product: Checking or savings account

We were contacted by our Merchant Service Provider on XX/XX/2022 that our company had been report to a system called " XXXX XXXX XXXX '' for excessive chargebacks by Bank of America. 
I tried to contact Bank of America for days and finally spoke to someone who told me to call the local branch and file a complaint. I called the local branch and made an apt . and meet on XX/XX/XXXX with XXXX XXXX, Financial Center Manager XXXX. HE told us that someone opened an account over the phone with our name and FEIN number ; all other info was fraudulent. He filed a BOA Fraud Claim # XXXX and told me we had to wait to hear something, but it could be up to 90 days before they review it. 
I received a generic email from XXXX XXXX XXXXXXXX on XXXX XXXX, requesting we fill out a packet and send it back. I filled it out and sent it back. 
I spoke to our Merchant Services Account representative XXXX XXXX whom has tried to get our account turned back on, however until Bank of America removes the " fraud '' alert from " match '' we will not be able to have a Merchant Services Account. We used this account to run credit cards for customers, and other than checks this is the only other form of payment we accept. 
It doesn't seem right that Bank of America opened a Merchant Services Account for someone over the phone with only our FEIN number and NO other identification. 
They did finally say we were not at fault but did not offer to repay for any damage done to us from not being able to accept merchant service transactions and have customers pay. 
I saw there is a ruling regarding Bank of America and things they have done to customers and I believe we fit these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : XXXX wireless 2 . XXXX XXXX 3. XXXX XXXXe
Product: Mortgage

OCWEN has been mismanaging my foreclosure for almost XXXX years now. After filing for bankruptcy my foreclosure hearing was suddenly dismissed without prejudice, which means they can refile at any time. Currently I am in conversation with XXXX different people, XXXX at XXXX XXXX, the Trustee and XXXX at OCWEN. I 'm asking to speak with someone who has the authority to dismiss the lien now that the note has been discharged and the property is a liability rather than an asset to either the bank or to me. Ultimately I would like the lien discharged or for the foreclosure court ( Maine ) to simply dismiss the case with prejudice so that I can get on with managing the property at a loss because it has sentimental value. The first step would be to identify someone at either OCWEN or XXXX XXXX who has the authority to make that decision, if in fact they agree with my cost benefit analysis and simply want to close this case. Otherwise, I want them to discuss options with me. 

The customer service at both XXXX XXXX and OCWEN has been atrocious. It seems to me this is one of the important roles of government to protect individual consumers from huge corporations ( is OCWEN approaching monopoly status? ) that are poorly run and are managing arguably the most precious asset most families will ever own. 

Please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMSHER is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : Untitled Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm reported three accounts as late on my credit report. They are not late and I have an impeccable payment history with them. I have contacted three times and just get a round about. They do not have a way to call so I can only email my requests to have these removed. This inaccurate reporting is affecting my credit worthiness. My accounts with Affirm are current and payments were processed on their due dates.
Product: Credit card or prepaid card

Hello CFPB officials, Somebody made a payment to my credit card account with Bank of America. I spoke to customer service, they are unable to mark the payment as fraudulent. They are unable to remove the payment made to my account. I am concerned that either somebody has tried to make a payment into my account fraudulently or somebody has made a mistake. 

The amount paid via direct debit is {$940.00} on Saturday XX/XX/2020. 

Details of transaction : Transaction date : XX/XX/2020 PAYMENT DIRECT DEBIT - THANK YOU Transaction date : XX/XX/2020 Card type : Visa Transaction type : Payments Merchant Name : get more information about merchant name change PAYMENT DIRECT DEBIT - TH Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Transaction : N Type Payment - {$940.00} {$0.00} Thanks
Product: Checking or savings account

Our account with Capital one we still have not received our deposits from Wednesday no explanation customer service just hangs up on you. it is Friday XXXX XXXX still no deposits no communication. we have bills we can not pay but they want us to pay the bills for them. Many families live paycheck to paycheck. now most of us can not feed our families or gas in the cars.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash app due to the inadequate customer service and unfair practice, which violate the consumer financial protection act specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leave my account, vulnerable and unprotected. Furthermore, they dispute. Resolution process was unfair and they did not comply with the error resolution requirements under the electronic fund transfer act and regulation. E these actions has cause significant inconvenience and financial loss and I am seeking appropriate redress for the violations
Product: Debt collection

Cancellation Request not properly updated for XXXX XXXX XXXX XXXX, please find duplicates of the correspondence sent through certified mail on XX/XX/2023, addressed to both the XXXX XXXX XXXX XXXX XXXX and the Aargon Collection Agency. This communication pertains to the reported debt, which, to date, has not been validated nor elicited a response.
Product: Debt collection

Attached written collection Letter sent to me with bogus telephone number XXXX, I called this number - I recorded their message for my protection during my attempt on XXXX their message tells me please hang-up at the end, message would not take any message from me, gave me no options to talk to anyone. I am glad I recorded them. I have called numerous times and same result, no one answers, will not take messages, states please hang-up. I have never been billed for {$1400.00} from anyone, I have no outstanding debt or loans. I am XXXX. While employed with the XXXX  XXXX I was notified by XXXX my identity Personal Id /SS was stolen, also later, I was notified one of the three collection bureau computer system had been breached and my PI was also stolen? Please investigate SRA Associates ( XXXX XXXX XXXX XXXX, etc ) regarding this fraud and take appropriate enforcement and notify me of FTC investigation - results in writing XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was authorized to receive several refunds from a Google Play App due to numerous fraudulent charges upon being overseas. Some of these transactions were sent to my bank account, and some were sent to my phone provider since that account was used as well for these numerous unauthorized transactions upon my being away. However, my phone provider does not accept refunds as they are not set up to do so. Therefore the status of these several transactions show they have been declined or canceled as they are currently stuck in a " limbo '' status. I have contacted Google regarding this numerous times and nothing has been resolved. I was told at one point these were already sent to me, however not all of them were and upon sending them my bank account statements to verify this, as well as my collecting all of these transaction numbers to submit to them that are showing as declined or canceled and have not been refunded, I am unable to get this situation resolved after several months of trying to do this on my own.
Product: Debt collection

XXXX My Credit report was charged with Collection from CCS XXXX File # XXXX ) for {$560.00} for collection for Homeowner Insurance from XX/XX/XXXX to XX/XX/2021. Meanwhile I had another insurance from another company from XX/XX/2021. This insurance was canceled & Now my credit has been ruined. I have active refinancing process going on and this hurts my credit with 85 points down. This is very Unfair for a consumer like me. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

I tried to switch back to my original debit card through the Square Cash app multiple times ( I would get an error message that I was only allowed to fund from one particular debit card ). My account was then frozen because of an issue with their platform and no fault of my own. I ended up having to verify my identity, which I did. I was told to wait 24 hours, but ended up having to wait a full 2 weeks since my account was frozen after following up on XXXX and XXXX as they were ignoring my emails. 

When they did reply with an email, it was a generic response that had nothing to do with the issue at hand ( about adding funds to the account, which was not the issue ) They replied with the following email : " Hello, Thank you for reaching out. We are writing to inform you that your Cash account has been closed and is no longer able to send or receive payments. 

Reasons for this decision may include your account history, transaction disputes, or other possible violations of the Cash Terms of Service. 

If you need to Cash Out your stored balance, you may link a new card or bank account. Additionally, you may re-link a card or bank account previously used with your Cash account. 

Within the app : Open the Cash App and tap the dollar amount at the top of the screen. 
Tap Cash Out > Confirm Cash Out. 
Once you have cashed out the balance, it will deposit within 1-3 business days. 

Unfortunately, we can not provide further details regarding this decision, which is final. We appreciate your understanding. 


Best regards, XXXX | Cash Support '' I didn't violate any terms of service, nor did I dispute any transactions. The only thing I've done is try to switch my debit card back to my original bank. When attempting to withdraw funds as suggested in the previous email, an error messages shows up and says that the transaction can not be completed. Like all the other times that I've had to contact the Support team, I've been lied to and things occur on an entirely unreasonable timeline and the customer service was either poor or did not exist. Their own timelines were never met, and they never addressed the issues on their platform. 

They then closed my account with no explanation given with the most generic message available.
Product: Mortgage

Hello : My Loancare account is as per attachment.. My mortgage was taken out in XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX ( as per attachment ). 
This mortgage was sold to Loancare in the year XXXX. 
This property at XXXX XXXX XXXX, XXXX XXXX was sold on XX/XX/XXXX. 
Loancare has charged me on this sale the following fees A ) XXXX Reconveyance fee B ) XXXX Recording fee C ) XXXX Late Charges D ) XXXX Fees Owed to Loancare E ) XXXX Account closing F ) XXXX Statements to Loancare These fees from A-F are incorrect. 

I have asked Loancare on XX/XX/XXXX, where I was supposed to be charged by XXXX XXXX for the fees, A ) XXXX Reconveyance fee, B ) XXXX Recording fee, D ) XXXX Fees Owed to Loancare, E ) XXXX Account closing, F ) XXXX Statements to Loancare. 

Loancare did not answer my detailed email, on how it was allowed to charge me this {$360.00}, in extra fees. This {$360.00} of money should be refunded to be. 

For C ) XXXX Late Charges, D ) XXXX Fees Owed to Loancare. There was no late payment made to Loancare, and there D ) XXXX Fees, was paid to them on XX/XX/XXXX, of XXXX. This sum of {$50.00} should be refunded to me. 

I appreciate your help beforehand. Any other information you wish to have, I will forward to you. 
Thank you
Product: Checking or savings account

I was approached by a sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I agreed to XXXX year of XXXX  service. Sales person wanted to put me on monthly plan- to which I said no. Instead I told him that I will pre-pay for the whole year by check, since i do not trust companies withdrawing money from my bank account or charging my credit card. He agreed and I paid by XXXX XXXX check {$710.00} for the full year. I specifically told him and noted in the memo of my check that I was committing for XXXX year only. 

What I realized recently ( perhaps XXXX ) by looking at the monthly statement - that money was being withdrawn by some company every month that I did not recognize. When I called XXXX XXXX as to who or why authorized those transactions, they could not answer but were kind enough to put a stop to any further withdrawals. I could only guess that this must be related to XXXX. 

Now I got a letter from I.C. System Inc to collect on debt for XXXX # XXXX. 

So my question is how can any company setup an automatic withdrawal without explicit authorization - XXXX  seems to have fraudulently used my check to set this up XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. System Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2018 initiated paying off my home mortgage loan with XXXX XXXX XXXX. I was advised to call XXXX XXXX XXXX ( XXXX ) to have them stop taking withdrawals from my XXXX XXXX bank account but they already had. I was told to find out if they sent my money to the mortgage company - and if they had they would calculate the 'motgage payoff ' amount taking that into account, and if not ( i.e. XXXX was holding my money ) then I was to request that they send it back to me. They took my money ( {$2300.00} ) and did not send it to XXXX and I have been trying for 6 months to get them it send it back to me. 
I am beyond frustrated with the lies and complicity of this fraudulent company. I have spend countless hours -on hold, being given the run around, blatant lies, being asked for bank info so they could directly deposit - which they never did, being asked for mailing address to 'send the check ' which never arrives. Trying to 'escalate ' to a supervisor/manager someone that could actually just do the right thing, but still getting people XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX   etc etc who just lie and say they will return my money. The last one was a doozy - after hours on the phone I supposably was talking to a manager - 'XXXX XXXX from the XXXX XXXX call center that told me she could see record of the escalation sand multiple 8 attempts on record and told me that the Ohio call center was in the process of closing down so that is why no follow up was ever done. She assured me ( like all the others ) that this would be resolved and a check for {$2300.00} would be returned to me - XXXX XXXX XXXX, XXXX CA XXXX. Like the last 5 at least I told them the XXXX quote of 'insanity is doing the same thing and expecting different results ' so how was I to believe this would actually happen? She promised she would call me in 3 days to follow up. I asked her to call me right back after we hung up so at least I would know she had the capability to do so and she did!! I had hope. Sadly that was on XX/XX/18 and I haven't heard or received a thing. I can't keep calling back and expecting anything to be different. I know this country has gone to * & ^ % with a malignant narcissist in power but does that mean all companies can companies run amok and defraud citizens? This company did from the get go by calling and claiming that they were from my mortgage company and my mortgage would be paid off faster wo fees. When I found out it was fraudulent I tried to 'undo ' pay map /equity accelerator to no avail. So I borrowed money to pay off my loan ( and be done with them ) and they still are stealing my money. Please help me recover my {$2300.00} and I promise I will never be stupid enough to trust a US financial company like that again! Thank you so much XXXX XXXX ( XXXX is XXXX XXXX - fyi bc has both our names on the CFPB site )