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

On XX/XX/XXXX I mailed from XXXX XXXX Post office mailbox a check from my employer. I put it in a pre-printed envelope going to my bank, XXXX 's XXXX XXXX. A week later it had not been credited so I reached out to them. I started searching for the check and found out that on XX/XX/XXXX the Bank of America cashed the check that was clearly marked deposit only to my account number. The third party, XXXX XXXX XXXX, signed his name and crossed out my account number. I have been without the funds ever since. I filed a police report, a mail fraud report, and have reached out to Bank of America. My employer filed a claim through their bank, XXXX. That Claim XXXX  XXXX. There's been no word on the progression of the case. 
This has caused a significant hardship as I am a teacher and that money was to get me through the summer. I have fallen behind on financial obligations since the amount of the check was for {$6900.00}. 
Per Bank of America, their policy for cashing a third party check states that either the payee is present at the time of the cashing or the check was endorsed over with the words pay to the order of the third party. Neither of this was on the check. In addition, their site also says that fraud issues will be addressed within 45 days. We are well beyond that now. 
No one is willing to speak to me as I am not the account holder the check was written from rather I am the payee. 
Can you please help me to recover my funds?
Product: Credit reporting or other personal consumer reports

I use experian to do my credit check and they told me they would dispute my account but they still there
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed an account with Innovis for XXXX XXXX XXXX XXXX. The account was deleted but reinserted. According to law. The consumer is supposed to be notified of a reinsertion with 5 days to his credit file. Innovis has not done this. This item was previously removed then reinsert. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Thank you,
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Fraudulent Addresses from My Credit Report Dear Credit Bureau Name I am writing to formally request, yet again, the removal of fraudulent addresses from my credit report. Despite several previous communications regarding this matter, these unauthorized addresses continue to appear on my credit profile, causing significant distress and potential harm to my financial standing.

My personal information was compromised in a data breach, and I have since been a victim of identity theft. This has resulted in the addition of unauthorized addresses to my report, which I did not authorize and which do not reflect my true residency history. This issue has led to considerable disruption in my life and presents ongoing risks to my financial security and privacy.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain the accuracy of consumer reports and take immediate action to correct inaccuracies. Section 611 of the FCRA, 15 U.S.C. 1681i, imposes an obligation on credit bureaus to investigate and remove information found to be inaccurate or unverifiable. Additionally, case law supports my request for these corrections. In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that credit bureaus must go beyond simply re-verifying disputed information, instead requiring a reasonable investigation, particularly when the consumer has provided evidence of inaccuracies. This ruling clearly places a duty on credit bureaus to act with due diligence in investigating disputed items. 

Furthermore, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), it was determined that failing to reasonably investigate a consumer 's dispute is a violation of the FCRA, and consumers are entitled to legal recourse if credit bureaus neglect this responsibility. Your ongoing failure to address and remove these fraudulent addresses constitutes not only a violation of my rights but a disregard for your statutory obligations under the FCRA. 

If you do not comply with this request to delete the unauthorized addresses from my credit report, I am prepared to pursue legal action. Consumers have the right to hold credit bureaus accountable, as reaffirmed in XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court upheld significant penalties against credit bureaus for failing to maintain accurate records. 

I urge you to take immediate corrective action. Please provide confirmation of the removal of these fraudulent addresses from my report within 30 days of receipt of this letter. If this issue is not resolved, I will have no alternative but to seek legal remedies to ensure my rights under the FCRA are protected. 
The addresses to be deleted from my credit report are as follows : XXXX XXXX XXXX XXXX, Florida, XXXX and XXXX South XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Debt collection

Multiple requests for a written explanation of the debt collection with no response via email or letter was received.
Product: Mortgage

I purchased my home XXXX of XXXX. I immediately requested removal of our XXXX  XX/XX/XXXX. I was advised in writing my loan must season to 24 months before they will even discuss pmi removal, so I was told XX/XX/XXXX was when I could again request removal in writing, which I did on XXXX. I was told based on original value it was declined but I could pay for an appraiser ( {$550.00} ) through XXXX and my loan had to be less than 75 % off the value. My home appraised for $ XXXX. I owe $ XXXX. I waited a week from appraisal to follow up and was told yes I met the minimum but they wanted to review further. I waited another week, same response always telling me it could take 30 days to respond. My home is well under the % required. Every time I email Im told it could take 30 days to respond, what takes 30 days? Ive met all of the requirements presented to me and do not feel it is a fair practice to continually stretch this out 30 days at a time. I paid my full payment today including pmi, and should not have to continue to pay this again when the appraisal was completed on XX/XX/XXXX with them confirming receipt and value on XX/XX/XXXX. Please help me get this task accomplished! I have never missed a payment on my mortgage. This seems like an unfair practice being Ive met the requirements as presented and then they add theres now more approvals? More approvals for what? I have requested a copy of these extra approval steps/requirements, as I was not made aware there would be a secondary approval needed that could take another 30 days. It appears we are keeping this dragging on so the money keeps being collected! 
Thank you XXXX
Product: Debt collection

REQUEST FOR DEBT VERIFICATION XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX Account # XXXX Servicing Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Dear Sir, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount. Including, full detailed list of payment history on this account, I want to see the original signature that I agreed to on the contract for this creditor. Has there been any insurance claim found on this debt? I want to see the chain of title that you have to collect on this debt. Any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agencies. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. E-mail, etc.. I am aware of the request for payment by your company and any further telephone, e-mail, etc. communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this inaccurate information on my credit report. These items were not marked as disputed on my credit report in violation of the FCRA.
Product: Mortgage

I ha already complaint to you about ocwen twice 1. from the agreement that they had with you but the obmusman never and lied about not having the two accounts -- ( XXXX, XXXX ). I lost in total of {$670000.00} from AMHS that Ocwen own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.lso Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.
Product: Mortgage

In XXXX, I was contacted by Chase mortgage with regard to a third lien on my home that I knew nothing about. I had been separated for many years from what was my ex-wife for all purposes since XXXX and the short of this story is that she had been using our home as collateral on XXXX occasions ( XXXX refinances with current banks ) for a total of the XXXX liens totaling XXXX. In addition, she had also used XXXX on several transactions which as it turned out were credit cards in my name in which she was the authorized purchaser, all these bills she was at XXXX point paying. I paid the mortgages as they were for my house however, I thought I owed XXXX as I bought the house in XXXX and only took out XXXX loan for the siding in the XXXX. In any event, I found over XXXX on my credit report when my girlfriend explained what all this was, I was shocked. I hired an attorney. It is still on my credit report, although I have agreements with both Chase ( US District Court # XXXX ) and XXXX ( Case # XXXX-which was later negotiated and dropped ) as to the removal of the items from my credit report, this has not been done. So far this has cost me thousands of dollars. I can not refinance my house which still has XXXX home loans that I did not take out or sign for..but have been told I have to pay. Please someone help me with this credit situation. I have both Chase and XXXX documents as does my attorney. If this does not clear up I will file suit against them both for the long term damage to my credit report. 
I can not get a loan from anyone with a credit score of XXXX. This is due to fraud that you perpetuated.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactrions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers bus has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not obstructing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX AT XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : {$920.00}
Product: Credit reporting

The XXXX 's rents Inc.that are on my credit report on transition and XXXX is not mine.those were husband accts.they never put meme on accts. cause they said I was n't working.
Product: Money transfer, virtual currency, or money service

So, I got an email from a email associated with XXXX XXXX subject was ACT NOW. It says apply for oncampus job flexible schedule. This was the email : It is a Flexible Opportunity where you will determine your working time. All the tasks are work from home/on campus job, you do not need to travel, you do not need to have a car to get started. You can be in any location and work from your home/school... APPLY NOW During this time that we are in, working from home would be great. Therefore, you have been offered a campus employment office Job Opportunity at the convenience of your home or school, which serves as a gateway to pay all expenses incurred on campus. And I applied for the job. Then, they asked me for my phone number. Then i got contacted from XXXX. The he elaborated the task. After that they send me two checks to deposit and asked me to XXXX  it. I knew it was scam then, I ignored it. But I got threatening calls from the local numbers. Then I became afraid and I XXXX  him. After that they never called. I try not to XXXX   but their calls were so disturbing and I am a XXXX. I don't know anything and I became afraid so. I called bank of america fraud claim department too and said it was a fraud transaction, please return back the money but they did not do that. 

Here is the id that I have XXXX  : XXXX XXXX : XXXX XXXX. Amount : {$900.00} Date : XX/XX/2023 XXXX checks that I got was of {$1900.00} total, {$950.00} each, which were deposited in XX/XX/2023
Product: Checking or savings account

On XXXX XXXX, 2017, {$300.00} were withdrawn from my business account with Bank of America. I did not withdraw that money. When I logged in to my account I noticed that amount was withdrawn from a XXXX ATM, I called it in. I was asked questions, some of those questions included if I had lend my card to someone or if it was lost, but no I had it with me at all times. They said they would investigate, time passed and they said the investigation concluded that it was me or someone that I knew had withdrawn. I insist that is not the case, something is going on, and they are not cooperating with me. I please would like further investigation on this situation, because I want my XXXX dollars back and plus the XXXX fee I was charged for uncifficient funds on my account because of this withdrawn. Thank you Date of withdrawn : XXXX XXXX, 2017
Product: Student loan

The current student loan provider me and my husband are dealing with, the Texas Higher Education Coordinating Board ( hhloans.com ), is not allowing us to pay ANY amount towards our principal balance until all interest has been paid in full. Our interest is currently sitting a little over {$3000.00}. What I am used to seeing, is that nearly all student loan providers will have a minimum amount that goes to interest and fees each month, and a portion that will go to principal, or at the very least, allow the borrower to pay EXTRA each month that goes to principal. 

Their own website details that they are open to having borrowers call in to arrange for payments to be collected in a different manner, and that they will make every effort to honor that requested change. We assumed this would mean allowing us to make extra and separate payments towards principal. They have made no effort to work with us or help. 

We have tried calling multiple times, and have talked to supervisors to try and start paying towards our principal in any amount, but each time they deny us and say every penny of interest must be paid first. All the while they have also told us verbally that our interest is building at a current rate of {$240.00} per month, while we have been paying {$430.00} per month. We have been paying for a year now, and have not even touched principal yet. We feel stuck in a debt trap with no viable way out except to make one large payment of {$3000.00} to rid ourselves of interest, just to get our heads above water. 

No other student loan provider I have ever dealt with has blocked me from making payments toward principal like this, and we feel this needs to be looked into further as this practice seems extremely predatory and anti-borrower.
Product: Debt collection

NCA
Last reported XXXX XXXX XXXX
XXXXXXXX
Open balance
XXXX XXXX XXXX
Original creditor XXXX  Opened
Account status
Type
Responsibility
Remarks
Original creditor name
XXXX XXXX XXXX (XXXX XXXX)
Product: Checking or savings account

On XX/XX/year>, I was victim of a scam in which scammers spoofed USAAs number, pretended to be your representatives, and convinced me to send {$990.00} via XXXX. Ultimately, an investigation was carried. On XX/XX/XXXX, I was told that I was found liable, yet USAA would make every attempt to retrieve the funds through working with your trusted third-party, XXXX. 
As I did not receive any further documentation or notification, I called the XXXX department on XX/XX/XXXX and was told that there actually had been no request/communication sent to XXXX to even attempt to retrieve my funds. However, I was assured during the call with the Fraud department that they would send a request to XXXX for a return of the funds. 
After not hearing anything I reached out again on XX/XX/XXXX. This time I was met with a condescending representative who first gave the impression like she could not be bothered to look up the details of my case, then could not confirm if a request was sent to XXXX but assured me that one would have been sent in XXXX. As this exchange was extremely unprofessional I requested a complaint be filed regarding this interaction and my case. I also requested a manager call back. 
I missed a call from the manager within the Fraud department on XX/XX/XXXX at XXXX ET as that is not usual business hours for me. This XXXX left a very short message with no call back number or extension. After multiple attempts to reach this manager I was ultimately connected to a member of the Member Resolution Team, XXXX, on XX/XX/XXXX. After spending ~1 hour on the phone with him discussing the situation, he stated that I was approved back in XXXX to have these funds put back into my account. He stated he followed up on this and I should expect to see the money back in my account in XXXX business days. 
After not seeing the money back in my account, I reached out to another member of your Member Resolution Team on XX/XX/XXXX. I was then told that the only notes from XXXX stated that he sent a message back to the Fraud team to review this case and no mention of the funds being approved to be returned to my account. She also stated that there was nothing more to be done as she was the highest person I could speak to. She then suggested I write this letter as the fastest way for my complaint to be heard. 
Ultimately, I have been misled and misinformed by multiple USAA personnel across XXXX departments. I no longer have confidence in USAA as an institution working in by best interest given the back and forth Ive experienced over the past number of weeks.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System is reporting an account that does not belong to me of {$340.00} to XXXX  and XXXX, I have never had any accounts with this company and this is not my account. Stop reporting bad information.This is harming my credit!!