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

On Saturday, XX/XX/year>, my mother attempted to send XXXX dollars through cash app because she is on my mint mobile plan. However, when she attempted she was unable to send the money. I don't usually use cash app but I do to send money between myself and my mother ( because she has a lower income ), so when I logged in after she notified me I was surprised to see a message that my cash app account was closed for gambling. 

I don't gamble, first of all, and when I asked about why they closed it for gambling he only asked me questions such as do you use this account for XXXX and do you use it for gambling to which I replied no for both questions. That's because I have never used the app for either, which they should be able to see, and I didn't even know they used XXXX. The associate I spoke to was nice and sent in an appeal but the fact that I was NEVER notified of a problem is ridiculous. 

I would like a detailed explanation as to what transaction between my mother caused them to get concerned. I would also like an apology. I don't care if the open the account back up because I'll probably never use them again now but I deserve this information and apology at the very least. In my opinion, they should be fined for closing my account without any notice and/or due process. 

I've attached screenshots to show my activity. As you can see, there are transactions between my mother and the only other ones are points earned through coffee shops or retailers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When downloading my first report ( XXXX ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to XXXX in order to save, not print, my reports. Great! free sign up BUT only for XXXX, not Equifax or XXXX. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......
Product: Mortgage

My mortgage is held by Bank of America. My payment has always been {$1800.00} per month. In the month of XX/XX/2020 my payment increased by {$300.00} per month. 

I called, emailed and sent a written letter to Bank of America. 

I explained that my property taxes are {$4400.00} per year and my insurance is {$1200.00} per year for a total of {$5600.00} per year. The monthly escrow amount was {$460.00} per month which is enough to cover the yearly taxes and insurance. 

On XX/XX/2020 the monthly escrow increased to {$780.00} per month or over {$9000.00} per year. Thats {$4000.00} more per year than what is needed to pay my taxes and insurance. 

I spoke to a manager XXXX and explained there is a mistake made. According to this manager a computer determined my account will be {$1200.00} short in XX/XX/2020. In other words my escrow account will have XXXX dollars in XX/XX/2020. 

Bank of America has been taking {$460.00} out every month. Where did that money go? Whatever computer they used, someone put the wrong set of data in to get an accurate calculation of the Actual Needed Escrow Amount. There is a computer glitch somewhere and according to the manager XXXX Bank of America Will NOT Correct Their Error. 

Its simple math. If taxes and insurance equals {$5600.00} per year thats no more than {$500.00} per month. They should NOT be taking out another {$300.00} per month. 

Why did the computer not catch this last year or the year before? My monthly escrow was the same last year. My property taxes are the same as last year. My insurance went up a little, but Not {$300.00} per month. 

Theres something Wrong Somewhere and Bank of America is trying to sweep something under the rug. 

Ive had this mortgage for years. Every time they make an adjustment to my escrow they provide written details as to why. Now Im being told a computer projected my balance at XXXX in XXXX with no other details to account for how and where they spent the Escrow money. How many other millions of customers has a Computer made this mistake with????
Product: Credit reporting, credit repair services, or other personal consumer reports

The criminal offense of unlawful driving away says I got XXXX XXXXs on my license I havent had my license for 15 years I got it back two weeks ago how can I have points on a license I dont have also there is what seems to be duplicates of the same thing mainly failure to comply it says that ten + times also there is a no proof of insurance that was dismissed that should not on there I was recently at the Secretary of State and I was told my drivers record was like I first got it I am currently on ten months of probation like I was when I got my license when I was XXXX through the Secretary of State
Product: Debt collection

On XX/XX/XXXX I went to a XXXX store to start a new service to take advantage of a special offer as I already had mobil phone service with XXXX XXXX XXXX. 
The customer service representative signed me up for the special offer. I specifically asked him if I could cancel and get a refund of the initial $ XXXX dollars. He said yes as long as I did within 14 days. I explained to him that we live in a rural area of XXXX XXXX county and that even though your coverage map includes our area some cell phone services do not work there. Our XXXX XXXX XXXX service works very well at our address and I was only trying to take advantage of a really good deal XXXX was offering at the time. 
So I started the service and when I got home I found out that the service was almost useless because of the in and out fade with only one bar of service showing on the phone. A few days later I returned to XXXX to shut down the service and get a return of the deposit and stop the auto pay that was initiated on my credit card to pay for the reoccurring monthly charges. I explained to the service representative that the service does not work well enough at my home and wanted to cancel and get a refund. He cancelled the service and returned the deposit to my credit card account. Everything was fine except the reoccurring monthly charges started showing up on my credit card. 
I talked to the XXXX store about this problem and they told me to call XXXX service. 
I called XXXX  service and explained to the service rep what had happened and she told me it was taken care of. The charge reoccurred again the next month on my credit card so I disputed the charges to my credit card company and had them stop the reoccurring charges to XXXX. My credit card company refunded the charges and stopped the reoccurring charges. Good, so I have gotten my money back and everything is fine. 
Not really. XXXX referred my account to a collections company. I called the collections company and disputed the charges. OK. Not really. They referred the account to another collections company and that is where I am at right now. The second collection company for the same reoccurring charges that should have never been. I have no intention of paying these charges of {$210.00} and I will dispute them again but it seems to me there must be something wrong, even criminal about this. The current collection company is : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX/ XXXX  XXXX XXXX , WA . XXXX Dated XX/XX/XXXX Convergent acct. # XXXX Client acct # XXXX Hope there might be something you can do about this.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of XXXX XXXX XXXX to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX to XXXX XXXX XXXX ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 

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

On XX/XX/XXXX, I made a brief phone call to Quicken/Rocket Loans for an interest rate quote and refinance charge for my senior friend. I did not give my ss number or permission for access. I did not apply for a loan, as I've owned my homes since XXXX. After the call ended an alert signaled a HARD hit to my credit report. Quicken Loans had dropped my score. Additional checks were noted in XXXX. They retained and accessed my personal information without consent. I complained to management but they refused to remove the damage. I requested phone recording and/or transcripts. Still no response.
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. 

XXXX, XXXX XXXX, XXXX XXXX XXXX, uplift XXXX, XXXX XXXX XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

XXXX-I was sent {$38.00} dollars XXXX-I was sent {$700.00}. 
I have been paying friends and family through this app. When I went to transfer my funds to my bank, they froze my account. I sent them all the necessary bank statements and DL and the closed my account. They have {$730.00} of my money and will not return it. I need to pay my rent. This is a horrible thing to do during a pandemic. Ive been dealing with this since XX/XX/2021 and now Im out of {$730.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Allowed me to report a wrong ONCE It refused to follow up or allow another investigation BUT did allow the company to add another higher incorrect amount owed
Product: Debt collection

As of 2009 after seeking to obtain my credit reports to apply for a large purchase in the near future discovered several credit cards and other accounts opened without my consent filed for a investigation in regard to identity theft. After 4 years of failed attempts with XXXX credit bureaus I obtained assistance from the organization clarifi, along with filing a identity theft victims complaint & affidavit with the FTC. After further investigation & verification of the documentation supporting my claim the XXXX credit bureaus finally corrected the issue by deleting all the accounts opened without my consent. However I was XXXX for nearly 5 years unable to obtain employment and ineligible to buy a house or car and to this day still have several problems due to the credit bureaus negligence. They continue to place inaccurate incorrect and negative data on my credit profile. After sending several requests and getting no response or the inappropriate response am now seeking legal action to file suit for the violations in accordance with the FCRA ruling & guidelines. I am currently XXXX and XXXX by these practice 's which prevent me from gainful employment, purchasing real estate and buying a vehicle.
Product: Student loan

I have federal stafford loans from undergraduate and graduate degrees between XXXX, I have been repaying these loans continuously since that time. I recently started law school XXXX XXXX XXXX XXXX and FedLoan recently put my loans in deferment without first contacting me. The deferment prevented my autopayment from being applied and my loan balance ( and therefore interest ) increased. I have called XXXX times in order to have the loans put back into repayment, and still have no guarantee that it will remain that way. 

First, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that I would need to mail in a paper form in order to waive the deferment, she said that it could take several weeks for that paper form to be mailed to me and that there was no other way to put the loans back into repayment. The form did n't come and I called again. Second, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that she could process the deferment waiver over the phone and did so then and there. After working with her, my loans were placed back in repayment and my regular autopayment was scheduled. 

Yesterday ( XXXX/XXXX/XXXX ) I received an email stating that my loans were placed back in deferment, I called again and spoke with XXXX ( XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX PT. She said that the computer system will automatically reset the account to deferment, per XXXX XXXX XXXX rules, and that she could put it into repayment, but that it might be changed back again. I told her that this was unacceptable and a waste of my time to be calling, waiting on hold, and asking my account to be continually switched back into repayment. She said that it was the way the computers were set up and that there was nothing to be done about this. 

This is an unacceptable answer. XXXX charges me thousands of dollars every year for the pleasure of servicing my loans, and the least they can do is follow the law and do what borrowers ask them to do the first time. If their computer systems are set up improperly, they are responsible for fixing them. This is the last time I will be calling. If I continue to have further issues with my loans being placed in deferment, and autopayments being missed, I will not hesitate to refinance my loans with another servicer.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
COMENITY BANK/EXPRESS XXXX and COMENITYCB/XXXX XXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.
Product: Debt collection

Experian isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The hospital     XXXX   XXXX   XXXX   XXXX   erroneously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him in ER was not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from    XXXX   XXXX   XXXX   XXXX   XXXX    case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a "  one  time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Barclays Bank of delaware received my dispute which consist of me disagreeing with this alleged charged off account being on my credit report and also the alleged Balance on this allege charged off account I asked barclays bank to send me athe original contract and billing statements to see what was going on but before anything to follow 12 CFR 226.12C ( 2 ) - Special credit card provisions. Which Requires the alleged creditor to remove the account from my credit report while this dispute is taking place.

Barclays Bank of Delaware does not send me any SIGNED AGREEMENT which voids any sort of contract they are alleging according to Title 32 of South Carolina Code of laws SECTION 32-3-10 ( 5 ) of the stat
ute of frauds of South Carolina. " ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' Also barclays Bank of delaware did not remove the account off of my credit report According to 12 CFR 226.12C ( 2 ) - Special credit card provisions. This alleged creditor is not compliant to an requirement whatsoever