23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently found out I was a victim of identity fraud ... My stolen information was used at a company called Acima which I've not heard of ... I lost my wallet with phone attached earlier last year and had to replace everything .. I advised Acima and they do not care and still wants me to pay.. I did some research online and found out Acima is know for allowing identity fraud, they don't have my address on file because the merchandise was not sent to me.. They never mailed me anything advising me of this account because it was not me ... They claim to have my email on file but I advised them my phone was taken as well and email was hacked.. I changed my password upon finding this out. I have been trying to have this item disputed but Acima is very unprofessional and are treating me poorly when I am a victim. Why can't they mail the bill to the address that recieve d the merchandise? Why do they not ask for picture I'd and verify? The account was opened in my name over a year ago and I'm just finding out about it.. I filed a police report and gave a copy to Acima after they asked for it and they still don't care.
Product: Debt collection

I am writing to you to complain about Common Wealth Financial Systems .. I have found adverse account information listed on my credit reports. Under account # XXXX. I have no known or verified accounts with this business and after repeated verification request Common Wealth Financial Systems has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to. XXXX, XXXX & XXXX as recent as XX/XX/2019. Common Wealth Financial Systems has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of { {$880.00} }. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Common Wealth Financial Systems multiple times. Common Wealth Financial Systems has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Common Wealth Financial Systems has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Common Wealth Financial Systems is well aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.
Product: Vehicle loan or lease

On XX/XX/XXXX was in a vehicle accident and I had been waiting for the police report to go through online because I work out of state as a XXXX XXXX. I notified the XXXX dealership as I was told to do to find out about my GAP. On XX/XX/XXXX I had gone in to XXXX dealership in XXXX, Tx. and she gave me the information and the name of the XXXX company. I had been in touch with my bank XXXX immediately waiting for the settlement to go through on XX/XX/XXXX. On XX/XX/XXXX the information was sent to XXXX XXXX to a person named XXXX. I then got in touch with XXXX XXXX. On XX/XX/XXXX I sent everything to XXXX because she told me she would help me and submit the paperwork to XXXX which never happened. I again have to do everything by phone and email due to working out of town. I obtained my police report on XX/XX/XXXX and has sent that to XXXX. Then forward that to XXXX XXXX. On XX/XX/XXXX I had been on the phone with XXXX in tears because Truist bank would not supply the information needed for my GAP to pay off the vehicle. XXXX contacted Truist bank as well on my behalf with no information obtained. I have documentation of all the times Truist has been notified with a failure to respond to my requests. I have documentation of my insurance company XXXX making attempts, I also have documentation of XXXX XXXX attempting to notify XXXX of their representatives at Truist bank. I spoke with a female each time I had called and she was rude and after multiple attempts she said she would mail me some information. I never received any information at all. This caused my XXXX not to be paid and now I owe the rest on my vehicle that was totaled. I have good credit and do not want them messing with my credit due to their failure to respond causing my gap not to be paid. I owe a little over {$7000.00} and I am not paying for XXXX vehicles when gap should have paid off my totaled vehicle. I am at a loss and have tried to find a lawyer but none are responding to my inquiries.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX XXXX : XXXX  is aware and has proof in the attachment labeled as Exhibit B. XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

I HAVE REQUESTED A COPY OF A PERSONAL CHECK WRITTEN APPROXIMATELY XXXX OF XXXX FROM WELL FARGO BANK . MY BANKING LOCATION IS WELLS FARGO LOCATED ON XXXX XXXX XXXX XXXX XXXX, THE REASON I AM REQUESTING THIS COPY IS TO ASSIST MY SON WHO IS CURRENTLY IN A HIGH PROFILE DIVOICE WITH AN ATTORNEY IN THE XXXX AREA. DUE TO THE ATTORNEY 'S FATHER SERVING AS VP OF WELLS FARGO IN TEXAS AND HAS CURRENT AFFILIATION IT APPEARS MY REQUEST IS BEING SABATOAGE. THIS CHECK IS IMPERATIVE FOR THE PURPOSE VALIDATED MY SON 'S INTEREST IN OWNERSHIP OF THE HOUSE. 
THIS IS PREMEDTATIVE CONSTRUCTIVE EVICTION! 

THE HOME HAS EXCESSIVE MORTGAGE FRAUD ON THE HOME UNBEKNOWNST TO MY SON. MY SOME IS SCHEDULED TO BE IN COURT ON TOMORROW XX/XX/XXXX IN XXXX XXXX XXXX TX. CASE NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MY SON 'S WIFE HAS ILLEGALLY TAKEN OUT AN ADDITIONAL LOAN UTILIZING ILLEGAL POWER OF ATTORNEY, WHICH WAS NOT PROVIDED TO HER BY MY SON. SIGNING MY SON 'S NAME TO OBTAIN AN ADDITIONAL LOAN FROM WELLS FARGO CONSTITUES FRAUD. SHE ALSO OBTAINED XXXX LOANS ON THE HONE ON THE SAME DAY UNBEJNOWST TO MY SON. SHE WAS DIRECTED TO PAY APPROXIMATELY XXXX TO XXXX BACK WITHIN A GIVEN TIMEFRAME. THE MONEY WAS NEVER PAID BACK. HER ACTIONS CAUSED MY SON 'S NAME TO BE REMOVED FROM THE PRIMARY MORTGAGE. THIS CAUSED THE REMOVED OF MY SON 'S INTEREST FROM THE HOME. 


SHE INTENTIONALLY DID NOT PAY THE FRAUDUALLY LOAN IN ORDER TO ENSURE THE HOME GOES INTO FORECLOSURE. THE HOME WAS CURRENTLY RELISTED ON XX/XX/XXXX. THE HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, XXXX XXXX NAME WAS CHANGED TO XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. 

THE CHECK IN THE AMOUNT OF XXXX WAS WRITTEN TO BOTH MY SON XXXX XXXX XXXX AND XXXX XXXX AS A WEDDING GIFT FOR THE PURCHASE OF THEIR NEW HOME. XXXX XXXX REQUESTED IN THE MEMO SECTION OF THE CHECK I NOTATE GIFT, BUT I REFUSED. IN ADDITION, IT WAS REPORTED SHE WAS ALSO INVOLVED IN MORTGAGE FRAUD COMMITTED AGAINST MY SON 'S HOMES LOCATED IN XXXX XXXX GEORGIA. SHE IS A PARTNER AT XXXX XXXX XXXX AND IS ALSO EMPLOYED WITH XXXX XXXX. HER FATHER IS XXXX XXXX XXXX WHO HAS SERVED AS SEVERAL BANK PRESIDENTS IN XXXX TX SUCH AS WELLS FARGO, XXXX AND XXXX. 

THREATS HAVE EVEN BEEN MADE AGAINST MY FAMILY IN BOTH XXXX  AND XXXX. XXXX XXXX EVEN PLAYED A PART IN MY SON 'S WIFE 'S BANKRUPTCY CASE IN THE XXXX XXXX XXXX OF XXXX SHE IS ADMITTED INTO THE XXXX XXXX XXXX XXXX XXXX TX AND PLAYED A ROLE IN MY SON AND WIFE ASSESTS BEING STOLEN BY THE TRUSTEE, JUDGES AND OTHERS. IT WAS REPORTED BOTH HER AND HER FATHER FACILITATED THE FRAUD AGAINST MY DAUGTHER IN LAWS BUSINESSES, HOMES AND MORE. 

XXXX XXXX HAS PLACED A XXXX XXXX ON THE HOME AND XXXX QUIT CLAIM DEEDS. HER BIOLOGICAL MOTHER IS DECEASED SINCE XXXX AND SHE IS USING HER CREDIT AND QUITDEEDING PROPERTIES IN HER NAME. HER MOTHER 'S NAME IS XXXX XXXX XXXX. 

WHY IS XXXX XXXX NOT BEING CHARGED! 

INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX THE PRESIDING JUDGE ON MY SON 'S DIVOICE CASE IS XXXX XXXX LOCATED IN XXXX XXXX XXXX TX. THIS IS XXXX XXXX BEST FRIEND. 

AGAIN, WELLS FARGO, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen Mortgage LLC got my mortgage loan from XXXX XXXX XXXX in XXXX. Since they have had the loan they have told me several things one my monthly mortgage payment ( XXXX vs less then XXXX ) is higher then the real amount. Then the escrow amount is high because I missed payment ( they have now knowledge that was incorrect. But still say I need to modify my loan because I am behind ) I have repeatedly asked how that can be and they still do n't known or answer the question. My mortgage has been 40 years at 3.625 % since XXXX which make my monthly payment just under {$800.00} and I have paid more than that very month so how can I be behind on the my mortgage. Also they want me to modify my mortgage to 40 years at 3.625 % which is the same as it is now for a monthly payment of {$790.00} which is what has always been.
Product: Credit card or prepaid card

I bought a washer and dryer on or about XXXX XXXX, XXXX from Lowes Home Improvement Store in XXXX Texas for around {$930.00}. ( I am looking for the original receipt ). I was told at the time of purchase that I could pay the balance off over time and I would n't owe any additional charges as long as I paid the balance off in full within one year. I began making monthly payments on the loan. Now I am getting close to having the balance paid off and so I called the company on XXXX XXXX, XXXX to find out where I stand on the payments. From talking to the loan officer on the phone, I found out that this is a credit card that is handled by a different company. When I asked about my payoff amount, it was higher than I expected ( I had calculated the difference between the original purchase price less the payments I had made ) and I inquired why. I was told that I had been charged " late fees '' because some of my monthly payments were not on time. And maybe some of those late fees also had incurred interest charges? In any event, the loan officer credited back {$83.00} to my account, representing all of the late fees, although I am not sure that all charges have been credited back to my account. It is clear to me that if I had not called to inquire then I would have had to pay these late fees. And then, how can they say that I owe a late fee when I am not subject to interest? I clearly got the impression when I took out the credit line that as long as I paid the full balance within one year then that would be all that I would owe, regardless of any monthly payments.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I reached out a an instagram seller whose XXXX name is XXXX. This individual had advertised some purses, XXXX boots, XXXX  etc. I chatted with her for awhile before coming to the conclusion that I wanted to order a pink XXXX XXXXurse and some denim XXXX. She stated she took XXXX as payment however when I tried to XXXX  her I was given an error message. Mind you I don't use XXXX. But I created the account to satisfy the business. When I messaged her and told her that XXXX was giving me an error messsage, along with a scrren shot of the message, She sent me a chime acct to send the funds to. So I asked and said I thought you only had zelle? Her response was I dont use chime. Its because I see you have chime so I ask my sister to accept the funds for me. I was directed to chime the funds ( {$210.00} ) to XXXX and an email address of XXXX. Upon sending the funds, I was told that my items would be shipped on Monday. I reached out again via instant message on XXXX and asked if my items were shipped. I got no reply. I waited a few hours and messaged again. Her response was that she had me mixed up with someone else from my friends list who ordered but she was leaving her moms house and would send me all the tracking info and that she shipped it already. So my next question was how did you ship anything? You do not have my address as I never gave it to you. I messaged her again on XXXX @ XXXX and asked for the tracking information and at that point she deleted the page. I contacted Chime on XX/XX/XXXX and explained the situation and was told there was nothing they could do.
Product: Credit card or prepaid card

I closed my NetSpend account on XX/XX/XXXX. I was advised a check with the remaining amount ( minus a closing fee ) would be mailed to my house within 7-10 business days. I called on XX/XX/XXXX to confirm my account was closed and the check was coming, and the rep told me I should get my check by the XXXX. I did not get the check. When I spoke to NetSpend on XX/XX/XXXX, the rep said they will email me within 24 hours an update on the check. I received no email. When I then spoke to NetSpend on XX/XX/XXXX, they said they never send updates by email, and their Fraud Dept will provide a final determination within another 24 hours, and for me to call back. I call back XX/XX/XXXX, and this time, I'm told the Fraud Dept was not involved, and that I should receive my check in another 7-10 business days. The XX/XX/XXXX rep kept asking me if I want to re-open my account ( I think he is trained to do this by his superiors ), and I had to tell him multiple times I have no interest doing business with NetSpend, especially after this particular experience. CONCLUSION - Their story keeps changing whenever I call, and I don't believe they will send this check in 10 business days. They may be  doing this intentionally until I forget about the check, to pocket the remaining balance from before I closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my first dispute on XX/XX/2018. This letter had a conditional endorsement notification as required by law to inform the other party of impending cheque to be sent. I fulfilled my end by sending in my cheque and a brief notification to support my intention on XX/XX/2018. 
To my surprise, despite all my effort to notify this company, it still exercised unfair business practices as they went ahead and cashed the cheque and not deleting what we had agreed to be deleted. Furthermore, this company Violated the California Credit Reporting Act by Missing Dispute Comment- They even failed to mark the account as disputed by client. 
My case is already with my attorney. Attached here with are 1. My first letter to the company- my conditional endorsement.

2. My cashed cheque 3. The back of my cashed cheque 4. My small claims form 5. My credit file proof of not marking account as disputed by client 6. My proof of mailing of the cheque
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2020. I am trying to get a credit freeze lifted. I was locked out of the TransUnion online system saying is could not verify my identity. I tried multiple telephone numbers found online. The number for TransUnion that was supposed to deal with identity verification answered with a voice response system and transferred me to nothing and hung up. I then went to a selection for lifting the credit freeze several times. I have been on hold for over two hours. This is ridiculous for a customer service organization. Very frustrating! I'm still holding hoping a live human being will eventually answer the phone.
Product: Debt collection

Merchants Adjustment Services in XXXX XXXX  owns a debt that they claim is mine to pay. This week my boss received a letter at his home addressed to me which was a collection letter for this debt. I do not live at this address nor have I shared this address on any information with this debt collector. They clearly are using aggressive tactics to try to get payment on a {$120.00} debt. 
They have also clearly broken FDCPA rules by sending a collection letter to my employer. I have attached the letter in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information directly to Experian according to FCRA, sec605b I have not been able to resolve the issue of the reported items that are fraudulent. I would like an immediate block on all specified items, in my law enforcement statement according to the aforementioned congressional act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America allowed a fraudulent charge on a credit card on XXXXThat card was expired on XX/XX/XXXX. The charge of {$42.00} was made by XXXX. If you XXXX  that it comes back with alerts saying it is a scam. This charge never should have gone through. 
BOA then added fees and penalties to this erroneous charge and placed it in a charge off situation. My credit was damaged dramatically. My scores were in the 800 's and they plummeted to XXXX. 
I have been in contact since XXXX of XXXX with BOA trying to resolve this situation. I have been transferred to numerous departments and literally have spoken with dozens of representatives, and made two personal visits to my branch manager at my local bank.

They claim they sent me several notices about the past due situation, however I have never received any documentation from BOA. I was told by one their associates that someone had inadvertently checked a box requesting that I asked not to receive communication via mail. This is NOT true. I prefer to have information mailed to me. 
They reported negative information to all three bureaus. They have a fiduciary responsibility to report my information accurate according to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To be truthfully honest with you I have no idea whats going on what came up on my report but I was denied a job that I really needed and Ive never been denied a job before so Im just confused and Im like left in the dark. I recently moved states and have moved around things went missing or were ordered without consent. Slowly but surely life is gon na make me kill my self cuz Im sick of everything life is throwing at me. Im fed up and hopefully this isnt the last straw for me but life always seems to XXXX me over
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was doubled charged On XX/XX/XXXX at XXXX XXXX for {$19.00} and a charge for {$19.00} on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX for {$17.00} at XXXX XXXX XXXX and XX/XX/XXXX for {$14.00} at XXXX XXXX  and XX/XX/XXXX for {$15.00} at XXXX  and XX/XX/XXXX for {$12.00} and {$12.00}. I would like to dispute these
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). 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 for these violations.