23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that there were items that were not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Inquiry from XXXX XXXX XXXX XXXX  Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX XXXX XXXX XXXXXXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

Account : XXXX XXXXXXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to a complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

The following has not been removed since I requested. This information is incorrect, and requested the company to remove this late payment, or to report has paid on time. I was not late with these payments. This is unfair to report this information. 

Equifax XXXX XXXX - XXXX XXXX ( reported 30 days late ) Equifax and XXXX ( reported 30 days late ) XXXX XXXX - XXXX XXXX XXXX ( reported 30 days late ) XXXX XXXX  - XXXX XXXX XXXX has multiple inaccurate inquiries that does not belong to me. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Sezzle that is reporting as delinquent and over the limit on the balance however that is incorrect. I paid this account in full on XX/XX/2022. I made a new purchase on XX/XX/2022 for {$170.00}. My limit is {$400.00}. I currently have XXXX payment left of {$40.00}. None of the payments for this purchase have been late however my XXXX credit report is showing delinquent and that I owe {$420.00}. It also shows that Ive made no payments which is incorrect. I have disputed this with the company through the credit agency however it was updated with the same incorrect information. Ive attempted to talk to a representative as well with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I paid off my car loan early. As a result my credit score was penalized and I lost many points, going down to XXXX. Prior to that I believe my score was somewhere between XXXX and XXXX. I pay my bills on time and don't accrue debt that can't be paid off quickly. I worked hard to build my score back up, often by using the credit card and having to pay interest. For almost a year 's worth of effort I got my score back ( via FICO-8 Experian ) to XXXX. I recently purchased a computer, that I could have paid cash for or paid off on one payment. My Experian credit account got hit and I lost 7 points, going from XXXX to XXXX, undoing a years worth on interest and effort. I tried filing a complaint/dispute on their website but there is nothing that allows you to dispute a score. I filed one anyway about incorrect information. Via social media they have asked for me to " DM '' them but have not responded to my inquires or challenges to their logic. They do not make it easy to understand how your score is generated. For someone with " Excellent '' credit I got hit for being responsible with my money when I paid off my car/loan early and I also got hit for using my credit card the way it was designed to be used. Experian and others get to collect data on us and use it to their advantage, we are the " product '' but they don't respond to us in a timely manner and treat us with respect.
Product: Debt collection

I am continually being harassed by a Debt Collector who has charged me with miscellaneous charges from my former landlord. 

I am in dispute with my former landlord over their refusal to return unto me my security deposit for the sum of {$2100.00}. They are also charging me above and beyond my security deposit of {$1100.00} plus interest for alleged damages. 

I have asked repeatedly for proof of this collection notice and alleged damages and neither the landlord or the debt collection company has provided any, yet they continue to harass me with threatening phone calls while assessing additional fees charged to me. 

I have carefully documented my departure of my former residence and the lease agreement, which I was in full compliance with. 

The Residential Landlord Tenant Act of the State of Washington, required landlords to conduct a Move in Inspection and written checklist, with the tenant at the time of move in. Because the landlord did not do this, I am demanding my security deposit back in full. 

RCW XXXX specifies that the landlord is liable to the tenant for the amount of the deposit, and the prevailing party may recover court costs and reasonable attorneys ' fees. 

RCW XXXX requires all landlords in the State of Washington to refund all security deposits within 14 days of vacancy from the tenant. Since I had given notice and which was indicated by the amended lease agreement that I would be vacating the premises prior to the termination of the lease, my former landlord had ample time to refund the security deposit and or send a written letter indicating why they are holding it back.
Product: Student loan

I 'm currently paid ahead on a XXXX XXXX school loan. 

I 'm attempting to make a principal payment. I understand that the payment will first be applied to interest ( i owe approximately {$30.00} in interest and am attempting to make a {$1000.00} payment so $ 900+ should go to principal ). 

There is NO option to do this online, if I make the XXXX payment it will automatically pay as a payment and just advance my due date. I do n't want to pay 10+ months on this loan, I want to pay down the principal. 

I 've called the lender and was, at first presented with this option : Make the payment online, then contact them once it posts ( 2-3 days ) then they will request that that payment be changed to a principal only payment but that could take 2 weeks. In the meantime, I 'm paying interest on the entire principal amount while that money is sitting in limbo. 

Finally, after extensive complaining about how cumbersome this process is the representative offered to make a phone payment ( free of charge ) which should mean that it only takes 2-3 days to process. 

I 'm frustrated that it 's not easier to make a principal only payment on student loans. I 've paid and will continue to pay a ridiculous amount of interest on these. I understand that. I have n't defaulted, my payments are current and I 've accepted that this is my burden. But there should be reasonable means available to pay off principal. 

- A sincerely frustrated borrower.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did not report the late payments correctly to each XXXX XXXX. In XXXX of XXXX how was I 90 days late with TransUnion but not with XXXX or XXXX? Also on my XXXX credit report it shows that there was XX/XX/XXXX days late in the consecutive months of XXXX through XXXX of XXXX but that is not reflected on either XXXX or TransUnion credit report. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. Its the law to report accurate information and I want these late payments either deleted or adjusted to PAANL ( paid as agreed, never late ).
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I've tried to resolve these issues with them before. They're violating my rights, and I'm owed {$1000.00} for each violation I mentioned. They need to either pay me or delete these accounts right away.
Product: Student loan

I have 2 loans for XXXX XXXXXXXX university a school which I never attended. This is false information and its hurting my credit score. I only realized it was there not to long ago. Ive only ever attend XXXX XXXX so this information is completely false and its irritating that I cant get ahold of anyone to properly resolve this.
Product: Checking or savings account

On XX/XX/2024 I went into the XXXX XXXX Texas branch to open up a new business account. XXXX XXXX opened my account for me and instructed me to go to the teller to deposit my {$5000.00} to start the account. I did that and the teller had a hard time spelling the name of my company. I spelled it for her about five different times and she was clearly confused, but said she found the account and was able to make the deposit. I went back to XXXX to finish up the paperwork and left the bank. I didn't think anything about it after I left because I've open multiple accounts with this bank and never had an issue. The first week in XXXX, I made an investor deposit and they let me know it would not be able to post for a week or two so on XX/XX/XXXX I went into my bank account to check and see if it had cleared and noticed at that time that my initial deposit of {$5000.00} was not there. The second deposit showed up, but the first one was never registered. I called the XXXX number because the bank was closed for XXXX XXXX and they instructed me to go to the bank the next business day on the XXXX and request an investigation for them to pull tape. I went to the manager that day and told him what happened and he launched an investigation. He told me it would be a few days. I've been following up with the assistant manager, XXXX XXXX ( may times! ) and Regional VP XXXX XXXX XXXX ( twice, no reply ) and I also emailed XXXX XXXX and corporate and CEO of Truist Bank XXXX XXXX. I again asked all of them for information on the investigation and I have heard nothing back. There has been no communication or follow up from the bank unless I have initiated a phone call to them. It has been one month today that my funds have been missing and I have heard nothing. Today I filed a police report with the XXXX police department for theft. I have that police report number, at request of your investigator. 
I need help at this point getting the bank to find my {$5000.00} and deposit into my account, with interest. I would also like this investigated for the amount of time it has taken to look into this matter at the branch and through 'nvestigation ' ( which I do not trust has even happened at this point! ) and the negligence of the branch staff in this matter. 
Just to note that the teller did not give me a receipt. I assumed she put it in the folder with all of my new account information as they always do.
Product: Vehicle loan or lease

I am now trying to get the loan over to my bank. They are ready to take the loan. They did a VIN search and the lender says XXXX XXXX. I have never even had a loan with XXXX XXXX. I can even get the car refinanced because the title search brings up another lender. 

I have emailed XXXX and it is no surprise I am not getting a response. 

I have never expected this experience from a dealer. This is unbelievable. XXXX has a 1-2 hour phone hold time and the phone hangs up. XXXX customer complaint line has a 1+ hour wait time. This is unbelievable! 

The time I have spent trying to correct these issues. I don't even know where to begin to get the lenders info off of my registration. I am paying XXXX. The VIN is connected to another XXXX partner called XXXX XXXX. I can even get the car refinanced. XXXX is not responding to my emails or returning my phone calls.
Product: Checking or savings account

I received a text XXXX hrs my balance was under {$6.00}. 
I checked online early am and system only provided yesterday 's balance and that was wrong too. I called and automated system said yesterday 's data. 
I tried a few times to call Customer service but hold times were long and cut off 2x on hold. I called after work and on hold XXXX XXXX and they disconnected. 
I kept checking online and by phone for updated balance without success until XXXX XXXX. I now was able to see my current balance and overdrawn by {$28.00}. I only had XXXX XXXX  to go to the bank to deposit. 
I immediately called BOA to see if they are allowing additional time for us to deposit. I was on hold for until XXXX XXXX. They are not offering exceptions. They only apologized and said if any fees they will review. 
Therefore I will have 3 small items returned with returned fees due to not gaining access until after the cutoff time. 
I never received a text stating I was overdrawn either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Capital One, Certified Mail w/return receipts, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. In the 3 letters, I made Capital One clear that I know my rights through the FCRA and FDCPA and requested validation of the debts they claim I owe, along with competent evidence that an agreement was ever made between Captial One and myself. In the first letter I sent, I specifically requested Capital One to provide me with : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Capital One responded with billing statements and a separate letter stating, and I quote, " Dear XXXX My Name }. 

Thank you for your recent inquiry regarding your application with Capital One. The application that you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience ... '' This is an extremely clear admission from Capital One that they have no proof of a paper copy of any agreement made between Me and them. Capital One also failed to provide me with all the requested information. 
I sent my second letter which informed them they had not met the validation requirements as required by law. They responded stating, " According to our records, We received your application by Internet on XX/XX/XXXX and your account was opened on XX/XX/XXXX ... '' Yet, again, they sent nothing to validate I applied for an account with them. 
I sent a 3rd letter specifically asking for a recording of the alleged phone conversation or a copy of the alleged online agreement ( since they aren't even clear on how the alleged agreement was made ) showing clear undeniable proof I agreed to acquire the debt in question. To no surprise, they weren't able to provide either and responded again stating they, unfortunately, don't have a copy of the agreement to send me. This further proves they're unlawfully trying to collect a debt I do not owe, and reporting false, unvalidatable information to the major credit bureaus ( XXXX, XXXX, XXXX ) which has caused immense damage to my credit score! They can't even specify how this non-existent agreement was made! 
Also, Capital One has somehow managed to convince the major credit bureaus this debt is validated yet as clearly documented by certified mail and multiple attempts from me, Capital One was unable to validate I owe this debt.
Product: Mortgage

I am filing this Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was filed on XX/XX/XXXX and closed on XX/XX/XXXX > Complaint Number XXXX-XXXX.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with Wachovia > In Wells Fargos XX/XX/XXXX letter to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with Wachovia '' They found the XXXX Wachovia home equity account XXXX which was rebooked with a new loan number XXXX and paid in full plus the lien release recorded on XXXX XXXX ... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under Wachovia Bank Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with Wachovia Bank And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was {$26000.00} a year BUT my gross yearly Income for XXXX was {$25000.00}!!! >SEE.PDF File Attached>I NEVER had a Checking and/or Savings Account with Wachovia Bank ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). The Account Number # XXXX in which the back of the copies of the endorsed processed checks show & Prove!! <SEE .PDF FILES Attached> I was ONLY a Power of Attorney ( POA ) with Wachovia ! POINT B ) Home Equity portion sold to XXXX XXXX XXXX >> In Wells Fargos XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX  ( MERS/XXXX XXXX   XXXX XXXX XXXX ( XXXX ) with a {$44000.00} loan Well here is the Evidence/Documentation > SEE .PDF FILE Attached> And POINT C ) > They did NOT show me a copy of the Original Wachovia Bank Loan Document that would show my signature as Power of Attorney IS underneath my fathers signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the Wachovia Bank Loan Note> Here is PROOF of Forgery > SEE .PDF FILE Attached> That is just a sample.If necessary I CAN show other examples of this forgery!!
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 BalancE : {$420.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit card or prepaid card

I'm not swayed that XXXX, XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Bureaus are reporting inaccurate information on Capital One with account number XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection practices of [ Debt Collector 's Name or Company ]. I believe that the actions of this debt collector violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, and I am requesting your assistance in resolving this matter. 

The following is a summary of the situation : Debt Collector Information : PORTFOLIO RECOVERY ASSOCIATES RESURGENT RECEIVABLES LLC Details of the Violation ( XXXX ) : [ Provide a detailed description of the debt collection practices you are disputing. Examples include harassment, calling outside of allowed hours, failure to validate the debt, misrepresentation, threats, etc. ] Requested Action : I respectfully request that the CFPB assist in enforcing a cease and desist order against the debt collector to prevent further harassment and illegal practices. I would also appreciate any guidance on how to ensure that my rights under the FDCPA are fully protected. 

Supporting Documentation : Enclosed/Attached are copies of any relevant documents, such as correspondence from the debt collector, proof of the debt, or records of telephone calls that support my claims. 

Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. I appreciate your attention to this serious matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks!
Product: Checking or savings account

People say that they sent me money and I was unable to cash a check or deposit cash
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress