23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My bank account was garnished and all money was taken from midland funding. I didnt get a letter of judgement, no email, phone call, voicemail. Collector too every XXXX I had. Leaving me a {$0.00} the money in my account was child support money paid to me by my ex for my kids. I am currently XXXX due to having to stay XXXX and take care of my XXXX XXXX  old grandbaby and that child support along with assistance for food stamps is all I had. I now have no money to pay bills for me and my children. That is what my child support money was for. 
Since they wiped my checking, my savings and a secured credit card that I had just in case. I have no money now. 
How can I possibly get the collector to give me back some if not all of my money and set up a reasonable monthly payment plan. 
I recently moved and I have not been receiving all of my mail from the post office so if there was notice sent, I never received. No certified letter showing proof of delivery on judgement letter, nothing. 

On XXXX these amounts were taken from my account Checking- {$2500.00} Savings- {$180.00} Secured credit card- {$300.00} Processing fee - {$100.00} That was every XXXX to my name from my kids child support and the last little money I had from my tax refund. I am - {$4.00} in my account now. How can I provide for my kids?? This could cause me and my kids and my grandbaby to be homeless soon. Im scared to death and dont know what to do. 
Please if you could help me with this I would be forever grateful Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX, I was called by an agent from Chase Bank identifying himself as XXXX XXXX on the Customer Service Line ( XXXX ) XXXX. He said there Was fraudulent activity in my account. I had just gotten gas ( debit ) and {$60.00} in cash from a ATM at XXXX XXXX. Thats where I assumed the fraud had occurred. After quite a long time on the phone, he seemed able to correct and stop the transactions. This included a purchase and a wire transfer. No personal info was shared with him. 

He called the next day on the customer service line with yet another fraud wire transfer and once again supposedly fixed it. This occurred twice more - XX/XX/XXXX and XX/XX/XXXX - Wire transfers that had been scheduled he said. My account seemed fine and no money had been lost. I did no followup. He said I would receiving a new debit card which Never came. On Tuesday, XX/XX/XXXX, he called again and explained that another scheduled transfer had popped up on the system. After working on the - lots Of one-time codes were sent. Everything on the XXXX phone number. He then explained that the bank wanted me to have a new account due to all the fraud Activity and move my money in three chunks. He have me my new account number # XXXX and routing number # XXXX. The first transfer was {$7500.00}. He Then explained that they were closing at XXXX and we scheduled an additional meeting for Wednesday morning at XXXX XXXX He called on the customer service line and we Went to work. Before the third transfer was finished, he said someone would be calling to do some final verification steps- weird questions. I called the customer service Line to check all of this and agent XXXX assured me that I had done the right thing by calling. When she asked when I last spoke with him, I said Ten minutes ago to Which she relied, Yes I see it right here on the record and congratulated me for calling in. I then got the call with the weird questions and we seemed done. And obviously We WERE. I saw my account drop from {>= $1,000,000} to XXXX Immediiatly, I called Chase and went to the nearest Branch in XXXX, NJ where XXXX met with the bank manager, XXXX XXXX XXXX She set up recalls and gave me all info. She was very helpful and supportive as I struggled to not totally fall apart and come to grips with the crisis. This Wiped out everything I had saved and worked for the last five years and has left me struggling to meet medical bills and living expenses. I filed a police report with the State Police In XXXX XXXX, PA on Thursday morning with XXXX XXXX XXXX. I went to my own NY branch on Friday ( XX/XX/XXXX ) and tried to file another police report with the XXXX Police. 

Further attempts with Chase at this point have been fruitless. I am a 40 year customer with Chase and demand attention. Elder fraud is a crime! I have been violated in a devastating way. 

I am hurt and Very, Very ANGRY!
Product: Debt collection

I am unaware of this debt! I did not have the opportunity to dispute this debt I never received proper notification of this debt! If in fact you believe i received proper notification, please provide a receipt of the certified mail and my signature on there stating that i received it! 

Please respond in 15 days and if the information is not provided please delete and remove this debt and rem ark from my credit report
Product: Mortgage

I made my XXXX and XX/XX/XXXX payment of {$820.00} a month to SETERUS. When I was trying to make XXXX payment it was when I learned that SETERUS was no longer servicing my loan. It was Mr. Cooper. I called the number that was left on SETERUS phone line and spoke with an agent who told me that Mr. Cooper had bought my mortgage. I made XXXX and also XX/XX/XXXX payment with. Mr Cooper when it was required of me to pay it. In XXXX  when I tried to make a payment the Mr Cooper agent would not take the payment of {$820.00}. Claimed that I owed {$5700.00}. And unless I paid it they could not take a payment from me. 
I asked them where this money owednwas coming from they replied that SETERUS had reported to them that I owed them. Back in XX/XX/XXXX my mortgage was refinance so my payment was {$930.00} I met the trial payment conditions so in XX/XX/XXXX Seterus did an analysis and my mortgage went down to {$820.00}. I sent every piece of documents that was proof including bank statements for XX/XX/XXXX to XX/XX/XXXX to Mr Cooper that they asked for. I called back and was given the run around I called sometimes every day I keep getting different answers from agents. 
I was assured that if i Refinance with Mr Cooper that more than likely that I would be approved. When I called as to find out what was the outcome I was told that the refinance was higher than what I was originally paying. 
I told Mr Cooper that {$1300.00} was too high for me to pay. I was told that I had to pay it. I told them that my loan was already modified with SETERUS and why couldn't Mr Cooper honor it. Customer service is so very poor at Mr Cooper it was unbelievable. They kept turning me around and now here I am according to them I don't qualified for refinance. Instead I was sent a letter of FORCLOSURE. I asked them to please see what they can do because I don't want to loose my home. 
I have been saving the {$820.00} since then but they would not take it from me. 
This company refused to work with me to resolve this issue and bring a resolution to this ordeal. My loan was modified with SETERUS and the money that Mr Cooper is saying that I owed, it was put on the back of the LOAN. At no time SETERUS told me that I was late or behind in my mortgage payments. 
Please help. I filed a complaint against SETERUS who I have learned have filed for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX respectfully needs to remove the Derogatory Remarks of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX as a agreement was made with XXXX XXXX XXXX on my auto loan # XXXX to put my account Current and removed all derogatory remarks of 30-60-90 days late of XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. 
XXXX made errors on agreement and I misplaced my reading glasses when accidently signed Payment Extensions of XX/XX/XXXX-XX/XX/XXXX. 
As far of XX/XX/XXXX., through XX/XX/2019 all timely payments of {$440.00} was always made on time and deducted from my XXXX XXXX XXXX Account # XXXX. 
I provide it evidence to Federal Government and US Senator XXXX XXXX. 
I respectfully gave Consent authorization of my Privacy Release to Senator on my issues of XXXX and Experian and XXXX. 

I am respectfully XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran. 
I am going through a VA Loan and home purchase process in Florida with XXXX XXXX  and XXXX XXXX XXXX in Florida, but it appears that XXXX, XXXX and Experian are Retaliating, Discriminating against me on my Lifetime XXXX and National Origin as a XXXX US Military Veteran. 

Experian and XXXX  are holding my VA Loan process with XXXX Derogatory Remarks on my credit reports. 
XXXX administration made contact with XXXX  to remove all Derogatory Remarks from XXXX. 
But I review the credit reports that Experian and XXXX and derogatory Remarks are still listed on my credit reports. 
XXXX, XXXX and Experian are in Federal Violations and my ADA Disability Act under Department of Justice. 
This is a very Urgent Matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows that a mortgage company pulled my credit report on XX/XX/2023, however I did not apply for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. 
I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. Listed below are the accounts on my Equifax Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. on how these accounts were verified. 

1. XXXX XXXX - This is a FRAUDULENT Account! I have never applied for credit with this company and I did not/do not own an XXXX XXXX card. I am not liable for this account. Please Delete this account immediately. 
2. XXXX XXXX shows 2 late payments on XX/XX/XXXX and XX/XX/XXXX - I have never paid this account late. Please remove the late payments. 
3. XXXX XXXX shows 2 late payments on XX/XX/XXXX and XXXX XXXX I have never paid this account late. Please remove the late payments.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/2023 ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
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 violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures in 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 for these violations.
Product: Vehicle loan or lease

Subject : Complaint Against Mercedes-Benz Financial Services USA LLC - Violation of ECOA and Breach of Fiduciary Duty Dear Consumer Financial Protection Bureau , I am filing this complaint against Mercedes-Benz Financial Services USA LLC in connection with their actions related to my recent application for credit ( Application No. XXXX ). The company has engaged in discriminatory practices, resulting in a prima facie violation of the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691 ( a ). This conduct reflects a pattern of misconduct that persists despite multiple correspondences and notifications. 

On XX/XX/year>, I received correspondence from Mercedes-Benz Financial Services denying my request for credit based on alleged information from my consumer credit report, which I assert remains unvalidated. I am of the age of majority, possess unlimited capacity to contract, and have provided a Durable Power of Attorney along with explicit instructions related to this matter. Their denial of my request is discriminatory, relying on unvalidated and irrelevant information. 
Additionally, this conduct constitutes a breach of fiduciary duty under Section 16 of the Federal Reserve Act, which specifies that an application itself serves as sufficient security collateral. Only the Board of Governors of the Federal Reserve is authorized to make such determinations. Therefore, Mercedes-Benz Financial Services actions are unauthorized and unlawful, and their reliance on external factors not pertaining to their fiduciary duty is unjustified. 
I have formally rescinded my application and demanded the immediate return of my original documents, as outlined in my Tier 3 Notice under 12 U.S.C. 504. Despite these requests, the organization has failed to comply, thus breaching their obligations within the provided timeline of five ( 5 ) business days from receipt of the notice.

This complaint is not related to the Truth in Lending Act. It arises specifically from Mercedes-Benz Financial Services acceptance of my application as consideration without issuing credit and their subsequent failure to meet their fiduciary duties. I seek CFPB 's intervention to address their continued violations of federal law and discriminatory practices. 

I prefer to resolve this matter without escalating to legal proceedings, and I am requesting CFPB 's intervention to ensure compliance by Mercedes-Benz Financial Services USA LLC with all relevant federal regulations. I trust your office will assist in guiding this organization towards lawful conduct. 

Thank you for your prompt attention to this serious matter.
Product: Debt collection

FIRST OFF THE COMPANY SENT MAIL TO MY FAMILY HOME WHERE I DONT LIVE IM XXXX  AT THIS TIME I DONT NO THESE PEOPLE/COMPANY I NEVER HAD A CONTRACT OR VERBAL AGREEMENT WITH THIS COMPANY I DONT OWE THEM ANYTHING AT ALL
Product: Credit card

On XX/XX/XXXX, I was informed by XXXX XXXX as security XXXX from XXXX that there was a fraud charge, and after it was resolved he offered security text alert as additional safety measure. He claimed that he can see all my bank accounts, and he said that he will send out a demo/testing message just to ensure that security text service is working. He informed me that no action will be taken and no charges will go through that mentioned in the text. 

On XX/XX/XXXX, I saw XXXX charges totaling {$40000.00} from a company that I don't recognize or do business with and I do not recognize or authorize the XXXX charges. I immediately called American Express to report fraud charges and to open investigation. American Express customer service told me that " I '' was calling earlier to close the account, and I told American Express that I had never called them earlier and it was the first time of the day that I called American Express to inform them of the fraud charges. I was very concerned that American Express customer service XXXX measure was so weak that someone could easily passed and claim to be me calling without being detected, and American Express think it was me calling when it was not. 

When I tried to report to the police, the police asked for a paper bank statement, and because I no longer have access to my account I have to rely on American Express to mail out paper copy statement to my address. I have been trying to request for 5 times since XX/XX/XXXX, and even though American Express to mail it out, it never did, as I never received and when I called back to inquire, I was told that American Express has never mailed out any paper statement, even if they said they did every time I requested. To this day, I still have not received and it has delayed my police reporting time for a month and half now, and the customer service has very bad attitude and refuse to help or provide alternative solutions. 

Also, American Express has not taken investigation seriously the first time, so I had to call in to request a dispute investigation. They are currently working on it. 

I am deeply upset by how American Express fail to provide documents and lying about they did mail out when they didn't and keep delaying me from reporting to the police and that their customer service give very bad attitudes and refuse to help or provide solutions and that the team is not taking investigation or my explanation of what happened seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, XXXX and TRANSUNION because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for OVER A YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not an error or misunderstanding. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have come across these discrepancies multiple times, and despite my efforts to resolve them, they continue to persist. This situation is extremely distressing and has caused me significant stress and XXXX.
Product: Credit card

I am listed as a joint account holder for a Wells Fargo credit card. There have never been any late payments. However, the other named account holder filed Chapter 13 bankruptcy ( I was unaware until I received a credit reporting notification that the account was closed and charged off ). I called Wells Fargo a number of times and explained that I am trying to obtain a mortgage, but this charge-off is negatively reflecting on my credit. I was forced to pay the account off to try to show good faith on my credit report. Wells Fargo should not have required payment to change the status of the account because the joint account holder filed for Chapter 13 bankruptcy. Additionally, the account holder who filed bankruptcy is required to pay the account off so, Wells Fargo is incorrectly reporting this account as a charge-off on my credit reports. I asked a number of times for at least a letter showing that I paid the account off. I was told XXXX different time frames by individuals in the Bankruptcy Department and was ultimately promised that a letter would be mailed to me on XX/XX/2023. This has caused substantial harm to my credit scores. 

Call Notes : XXXX @ XXXX a.m. : spoke to XXXX- confirmed that dispute was submitted on my behalf on XXXX to the credit bureaus to confirm whether I filed for bankruptcy - cant provide tracking number - provided me with the phone to XXXX ( XXXX ) to check status - called XXXX, but the agent said he couldnt see the dispute Wells Fargo Credit Card ( XXXX ) XXXX XXXX XXXX XXXX XXXX provided by XXXX XXXX XXXX Wells Fargo Bankruptcy Department ) XXXX XXXX Spoke with XXXX @ XXXX am - she submitted dispute to have charge off removed from credit - should receive the response within 60 days via mail XXXX - tried faxing XXXX XXXX XXXX Wells Fargo Credit Bureau Dispute XXXX department - number never would answer/work XXXX @ XXXX pm : spoke XXXX XXXX in Bankruptcy - account will still show up as closed & charged off even if paid in full ; XXXX @ XXXX pm : spoke to XXXX in Bankruptcy - said only a few members in bankruptcy dept - can only accept payment via bill pay or check - once payment clears can call her back and she will guarantee send me a paid in full letter within XXXX business days XXXX Bill pay information XXXX Wells Fargo Services XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Amount : {$680.00} Paid in full XXXX @ XXXX pm XXXX XXXX XXXX XXXX XXXX : Spoke to XXXX in Bankruptcy @ XXXX pm- confirmed payment received on XXXX - provided her my current mailing address - will mail letter XXXX business days from the XXXX - XX/XX/XXXX is the mail out date