23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of verification to XXXX  about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to XXXX, and Experian showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both XXXX and Experian how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. XXXX  sent me back a response onXX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they  must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.
Product: Credit card or prepaid card

A credit inquiry was placed on my credit report on XX/XX/2022. I was alerted by XXXX and XXXX XXXX that it appeared. I did not apply for a credit card on that day. 

It was listed under TD Retail Services. It looked like a card for the XXXX stores or another retailer. I pulled this information from their website. My understanding is that this the way that the fraud starts. 

XXXX years ago, I had my information used to apply for Colorado Unemployment even though I do not live in that state. Don't know if there is a connection, but it could be.
Product: Mortgage

Reference : Dovenmuehle Mortgage , Inc . 

In XX/XX/XXXX, I received a notice advising that effective XX/XX/XXXX my mortgage would increase to {$880.00} as a result of my required reserve balance being {$150.00} ; and that the difference between the projected low point and required reserve balance was {$470.00}. I called your office and asked if I can send an additional payment of {$470.00} along with my XXXX XXXX mortgage payment, to replenish the reserve balance ; whereby starting XX/XX/XXXX my mortgage would remain the same of XXXX. 

As such I was told over the phone that yes I could send an additional payment of {$470.00} along with my normal mortgage payment of {$800.00}. To which the {$470.00} would be applied to my reserve balance. Therefore on XX/XX/XXXX, I sent both a payment of {$800.00} ( for XXXX XXXX mortgage payment ) and {$470.00} to be added to my reserve balance. I even wrote a memo note on the front of the check for {$470.00} that read reserve balance update. 

As a result of both of these payments not being applied correctly, my XXXX payment that was received by your office on XX/XX/XXXX was not applied correctly, nor has the current XXXX mortgage payment that was just received applied correctly. To which a downstream effect has caused my account to be in the past due category to which I do not understand. 

Each month, I've paid my mortgage on the XXXX of every month, where either my payments are not applied correctly, or not applied at all. To which I subsequently receive collection notices for past due mortgage payments that have been received and cashed. 

In calling to try an rectify, I've been told to send emails to their customer dispute line, to which I've sent a total of XXXX emails and the issue is still not resolved. 

For example - I made my XX/XX/XXXX 's mortgage payment on the XXXX of XXXX. Whereby the payment was cashed by Dovenmuehle Mortgage , Inc. on the XXXX of XX/XX/XXXX - Yet on the XXXX of XXXX I received a collection notice in the mail advising my XXXX payment was not paid.
Product: Mortgage

Had opened the below mentioned complaint. It was still not completely resolved and the complaint ticket was closed. Henceforth I am opening anothe ticket to continue the complaint until completely resolved. 
RE : Complaint ID # : XXXX Submitted on : XX/XX/2021 Product : Mortgage Reference # : XXXX Property : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I am reaching out about CoreLogic Credco. There is blatantly wrong information on our credit file that they arent willing to update saying it can take up to XXXX days to remove - maybe less but no guarantees. I have all of the documentation that I need and XXXX XXXX and each of the credit reporting agencies have been helpful - only after escalating with XXXX XXXX. When there is inaccurate info on a file that can hinder someones ability to buy a home - and potentially end up homeless because of a snag like this - it shouldnt be taken this lightly. I have the case number from someone in XXXX XXXX exec office, they have sent letters directly to Credco to get them removed, but they see no urgency. I couldnt even get to a supervisor when I asked. Was told nobody was in. How can we make sure this gets corrected in a timely fashion so we can get our loan and close on time?
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 ( CFPA ). 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 funds transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had purchased a couch from XXXX XXXX, called the XXXX XXXX. The couch was riddled with issues, and XXXX XXXX offered full refunds or replacement couches for all customers who have purchased a XXXX XXXX 

The replacement couch process is as follows : the customer is charged the value of a new replacement couch ( a couch of their choosing ) on their original payment method ( in my case XXXX XXXX credit card ). At the time of delivery, the XXXX XXXX  is picked up and a refund is issued to the card in the amount of the original value of the XXXX. I ordered the new couch on XX/XX/XXXX, and the return for the XXXX was issued on XX/XX/XXXX. 

When I checked my last statement, I realized that I was charged interest for the balance on my credit card stemming from the new couch. The only reason this balance was on the card was due to the lengthy processing time it takes XXXX XXXX to refund the XXXX. This is an aggressive business practice because it forces customers to either 1 ) pay the full value of their new couch and then have the refund from the XXXX be applied to a XXXX XXXX credit card which has no balance, essentially coercing the customer to spend the value of a couch at XXXX XXXX in order to get their money back 2 ) pay interest at 27 % on a charge which is only on the account due to their defective product.
Product: Checking or savings account

On XX/XX/2018, I deposited {$1300.00} in cash into the ATM at the XXXX XXXX XXXX in XXXX XXXX, CA and was only credited {$680.00}. 

The BBVA ATM takes in 35 bills at a time so I inserted my thirty-five {$20.00} bills, totaling {$700.00}. The ATM then asked if I had any more cash to deposit. Since I had another 34 bills totaling {$680.00} to deposit, I pressed 'Yes ' and inserted the other {$680.00}. After processing, the ATM then displayed a total deposit of {$680.00}. I was confused about the amount but there was no option at the ATM to go back so that incorrect amount went through. 

The deposit went through at XXXX XXXX  PDT, after which I stayed for a while in the 24-hour ATM vestibule trying to resolve the issue over the phone. Due to offices not being open, I called back multiple times over the course of the past month and yesterday had a chance around my work schedule to make another visit to the bank. They told me that the investigation had been closed and that the ATM was not over, not granting me my {$700.00} that I am missing. 

I deposited {$1300.00} in cash so I am missing {$700.00} at this moment. I was in the 24-hour ATM vestibule around XXXX XXXX PDT when the transaction took place, where there must be a video record. There was also another person there who witnessed and can attest to these events.
Product: Debt collection

I have previously reported this company Pinnacle XXXX XXXX for their repeated phone calls and abusive language. Previously it was XXXX XXXX who called me, now they have XXXX XXXX calling. She called my phone twice on XX/XX/21, and left one message. I attempted to return the phone call that same day but the phone only rang with no answer. She also called a friend of mine twice on XX/XX/21. XXXX called again on XX/XX/21 and called my friend twice and texted him on this same day. I called XXXX back and once I realized she was with the same company as XXXX XXXX I told her I already disputed this with him and he told me I didn't need to do anything else. Then I told her she needed to stop calling and harassing me, and my friend with her endless phone calls and text messages. She began raising her voice, and telling me that " there's a process ''. I said I'm not giving you any of my information, so stop calling. She continued to yell and scream at me and eventually hung up.
Product: Credit card

XX/XX/XXXX there multiple unauthorized transactions that were on my account. This was not normal purchases i would make and this was with a merchant I have never done business with. There were very obviously fraudulent charges. There were upward of 60 to 70 charges and totalling {$5000.00}. There were charges back to back not a min in between each and 20 at a time. This happened three or four times and never was I notifed of these transactions, not a text message not a email, no phone call, no nothing. Why the financial institution would not flag such blatant fraudulent activities. I Mean at least to make sure it was me the account holder that was making these very odd never made transactions with a merchant I never have done business with. I noticed the SOFI bank as soon as I noticed and a dispute was open up on my be half eventually. Not the day I reported the unauthorized transactions and requesting a dispute be open the following month of XXXX. Instead for unknown reasons even though there records shoe an agent was notifed about the problem and I request for a dispute failed to do so at the time of me notifying them of the problem. Instead a month later when I reached out the SOFI bank requesting an update of the investigation is when I was told that the first time I requested the dispute the original agent failed to file the dispute and that they would need to do that on my behalf that day. So when the dispute was finally filed an notified my local Police dept. Of the fraudulent transactions and requested them to also investigate this problem. Then I provide the police report to SOFI bank as the investigation was ongoing. Before I could blink an eye the made a final decision regarding my dispute and that was that I was in correct about my dispute and that there were no unauthorized transactions on my account furthermore there were no errors on account and denied my dispute. Then I filled an appeal and just a couple days ago the denied that and there sticking with there decision. They never provide me any documents that they used to determine this outcome. Then just a couple days ago with out worrying the closed my account with no notice or explanation. So I am out of my rent money because this bank does not care out the actul facts of the case. They don't care that I can't pay my rent and by closing my account the clearly don't care about or my family or the money they allowed to be taken out of my account. They have violated my rights and tge federal law that is in place to stop banks from doing just this and getting away with I. I have sent them 100s of emails in an attempt to resolve this matter and 100s of calls and hours and hours spent calling them and begging them to help resolve this matter I explained to them that the money that I lost was for my rent payments and was suppose to be safe. But this has fallen on deaf ears. Some one needs to do some thing about this matter..
Product: Checking or savings account

On XX/XX/year> there was a transaction for {$500.00} sent from my account to another account. I immediately contacted wells fargo and told them it wasnt me & gave them the details to the account that the funds went to and the name/number associated with that account. My account was credited the {$500.00} & a new card was issued. 2 months later on XX/XX/year>, my account was debited the {$500.00} & wells fargo said the decision was final. That caused all of my autopay bills to return, resulting in XXXX overdraft fees from wells fargo in the amount of {$140.00}.
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 XXXXXXXX ) XXXX XXXX XXXX XXXX  and 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 an account without my written instructions.
Product: Mortgage

Wells Fargo repeatedly denied my attempts and finally foreclosed on our house and we lost the home back in 2013. I was a month behind because of a sickness and Wells Fargo refused to take my payments after my workers comp was approved because I couldnt pay my month I was behind and my current month. After months of telling me they would work with us, they foreclosed on us
Product: Credit reporting 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 XXXX5 USC 1681.

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 XXXX 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 card or prepaid card

I get hung up on multiple times and told that someone in escalations is refusing to escalate this and then I was lied to by this company and told at first my unemployment program was the one taking my funding back but after a long understanding the compliance manager got back with me and tried to act as if I forgot about the false dispute put on account and false hired customer service agents acting different roles I consume our personal info to transfers out the funds from the account when I know we shouldn't have to give all this personal information.This is ridiculous with all that is going on there's no way my account or me and my child should have to suffer due to some female within this company having insecurities and disliking of XXXX XXXX XXXXXXXX and than to contact me and state that in the comments that funds were being transferred to redlining credit funding is ridiculous Yes I have called for about a year and all my unemployment benefits is disappearing I was told that all funds were being transferred to redline credit funding and also the customer service agents is very rude and nasty and refuses to help with this issue I'm now looking into civil suit against the company for discriminating my account purposely and still is
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX  - XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Inquiries : XXXX 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 - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX- XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Product: Credit card or prepaid card

Company is claiming to be creditors. I found this mistake in the Card Agreement. Stating that " This Agreement is entered into between you and us in the State of Utah and " WE EXTEND CREDIT TO YOU '' from Utah. '' I am going to need proof of HOW they are creditors. How can they be a creditor AND a debtor? Where is my finance charge? If they are creditors, that would mean I myself the consumer, provided a finance charge. Here is the definition of a creditor by law.

Creditor- ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.

They are in violation of 15 U.S. Code 1692e - False or misleading representations. Also they are in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) Santander Consumer USA 2. ) XXXX XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX
Product: Mortgage

I submitted an official appraisal done on my home to prove our Loan to Value is good enough now to have the PMI removed from our payment. The company refused my appraisal, told me I had to pay for one of their appraisals done. Sent me a letter stating I had to send them an official check in the amount of {$420.00}, which I did. Once they received the check, they mailed me another letter stating that now I owe {$200.00} more dollars to get their appraisal done. I have followed all of their instructions on how to get this done and they keep dragging it on and changing what I have to do. Why did they not send me a check list of exact steps from the beginning. They told me I have a 90 day window to complete this but they take 3-4 in between responses and wasting my 90 days when I comply with their demands right away. I started this process in XXXX and I am running out of time. They are not making this process simple or helping me to get this done. I have done my part and they will not do theirs. I have never been late on a payment in 2.5 yrs, ever!