23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had been paying on a credit card that I had for my business, although the card is in my personal name. After I closed the business, I came to an agreement with a collection company to continue making payments. I lost my job at the end of XX/XX/XXXX but continued making small payments to the company. I was making these payments with money from Unemployment Compensation, which I received for 6 months. I was not having success in finding work so decided to go back to school to change careers. 
I received a notice from the collection agency/attorney that they would be filing a lawsuit if I did n't settle on the account. I contactedthem and spoke to XXXX XXXX ( with whom I had been working for quite a while when I was making payments ). I wanted to come up with some kind of deferment or plan that was workable now that I am no longer working. Because I felt an impending threat, I offered to make a {$1000.00} payment after speaking to friends to come up with the money. XXXX XXXX said that they could take the money then and have a monthly amount that would increase over time. I did not want to make that commitment over the phone and asked him to send me a copy of the agreement. He agreed to this. In the conversation, it was implied that the legal action would not proceed while I was waiting for a copy of the suggested payment plan. They took my money, which I presumed was a sign of good faith from me. 
The only money that I am receiving now is from student loans that I have taken out to go to graduate school. Any money in my bank account has come from these loans. 
I assume that XXXX XXXX XXXX has since written off the account balance. There have been many collection agencies I have made payments to for this account and it seems that each company has gotten more and more aggressive with their collection tactics. 
This is n't the only debt that I have remaining from the closure of my business. I have made small payments to various collection companies for several debts. When I was working, I was able to settle on some of them, or pay them off completely. 
I am now in a situation where I will not be able to earn income until I graduate in XXXX or XX/XX/XXXX. The program I am enrolled in is very rigorous and does n't allow me time to work. I am XXXX years old so I do n't have the energy that my fellow students have, and it takes all of my time to complete my schoolwork. 
I feel that this company has been very aggressive with me. I have made payments when I can and they have kept applying pressure. After I received their latest communication ( packed into a very small envelope. I opened it with the expectation that it was finally the contract that I had requested ), I was not able to sleep well for XXXX nights. 
It has never been my intention to file bankruptcy. I have worked very hard to avoid it but feel that companies like this, and their pressuring tactics, are driving me to this. I feel harassed and taken advantage of.
Product: Mortgage

I have submitted multiple requests to be contacted by management to receive help with preventing foreclosure. The representative that I am speaking to right now XX/XX/year> at XXXX stated that she is reading a letter that says that I can not afford mod payments, but I WAS NOT OFFERED MODIFICATION PAYMENTS AT ALL! I have NOT received any options and it took me writing a XXXX review before I started receiving generic letters by mail stating that help is available but is NOT BEING OFFERED TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting h Act XXXX XXXX XXXX XXXX balance {$62.00} XXXX XXXX  XXXX XXXX XXXX balance {$1500.00} XXXX XXXX XXXX  XXXX balance {$190.00} XXXX XXXX XXXX XXXX  balance {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} Has violated my rights.15 U.S.c1681 section 602A.states I have the right to privacy.15 U.S.C 1681 section 6 all for a section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Hello 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 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: Credit reporting

I decided to get a car XXXX and they had suggestedfinance options. I entered my information online after checking and confir-ming with them that they will let me know before sending my informationto the financial institution. they sent my information to XXXX financial instit-utions without my consent. I have unnecessarily been hit with XXXX hardinquiries. I ended up taking an auto loan from a company I previouslyfinanced my old car from. I am attaching the matter on my creditapplication, where it clearly mentions that I will be informed about the financial institution, XXXX will be sending my application too. 
When submitting my credit application, I was told there would be onlyone inquiry and in the terms and conditions it was said I would beinformed of the financial institutions they would be sending my informationfor my credit to be run. Attached is the document which states the termsfor which I have given my consent. You can find it on the XXXX website when you apply for a car loan. I would like to have thesesXXXX hard inquiries removed from my credit report at the earliest. 
The XXXX financial institutions are :1. XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX, OHThank You
Product: Debt collection

On XX/XX/year> I reached a verbal agreement via telephone with Spring Oaks Capital Re : XXXX representative was XXXX. The agreement was I pay {$2000.00} of the {$3200.00} debt and the account would be SETTLED and closed. I paid it. I was promised I did not owe anything on this account and they would not report to the credit bureau. 

On XX/XX/year> I get an email saying I owe {$1200.00} and I need to pay. They breached the agreement took my money. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are still reporting inaccurate information XXXX XXXX as Late & closed When its in time & still open XXXX XXXX as a Repo when Account does not exist
Product: Credit card

Again they sent me and consumerfinance.gov ilegal paperwork after I put in over 40 calls and emails and faxes to deal wtih it and their promse to call, they refuse to call and keep sending this dribble, I am building a case against them and will put this up until XXXX or XXXX and other government agencies have enough to go on from there. Wells Fargo again has committed fraud and embezzlement, they keep sending consumerfinance.gov and me these illegal documents and they do not address my issues, there for I am building a case against them and will put them back up until they pay up, I will not tolerate consumer terrorists. This situation is not over until I get paid, I love how WELLS FARGO sends fraud proof to consumerfinance.gov thinking they can take my rights away, I HAVE PROOF OF THEIR illegal activity and the fact they would not call me to talk about this they sent some shady mail to me that was full of worthless repent and even proved I am right, there are many many issues other ones I can right here as I have not enough room. I was hoping WELLS FARGO would have come its sense and realize that it 's calling ME, the card holder, the consumer and customer a liar. But in essence, knowing full well all the issue we had with identity theft and precautions we need to now take, and knowing full well WELLS FARGO made well over {$350.00} just in 3 months of over 12 months I had the card. I did not complain about the {$10.00} atm charge you charged me every time I used the card or your high interest rates. And I was never late once with my bill. Not to mention I can show with phone records and emails how many times I had to call in to WELLS FARGO to handle simple small issues over and over and over again. I can promise you as well over two hours a week was spent dealing with issues that I was told once I signed the forms would be handled. And they never did, they always came back. As well I also There were several disputes on the card that were active when WELLS FARGO closed the card down. And oddly the card just so happened to equal {$1000.00} which was my deposit. 

I have lost four times over with every company, not only not caring of my extreme identity theft issues, but taking advantage of our situation when we paid our bills and we stayed in contact with each company every issues doing whatever company policies were, but in the end, those things never mattered either. 

So, I let all those issues go, all those many many many issues. And I told you guys I was willing work with you, but you, again, WELLS FARGO has found a way to call the consumer who took the time to call right away when there was an issue on the card, a liar. So, I your customer, lied to you about the {$200.00} ATM dispute in XXXX. Cause what you told me was the MERCHANT saw me take the money of the machine. Well let me rectify this again for you, and I Will not discuss other disputes again, I am simply going go over this XXXX ATM at roughly XXXX at a convenient store located across from XXXX, next to XXXX XXXX -
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company NXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX USA has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

To whom it may concern at Wells Fargo, I am writing this letter to explain the series of unfortunate events that have caused me to fall behind on my mortgage. I am writing this letter to explain a few things in regards to my mortgage loan and why I feel should be reviewed for a Loan Modification. We feel a loan modification would benefit us due to the drastic change of our income. My husbands job closed down and I XXXX XXXX had to take an early retirement due to an infusion where I could not perform my usual duties. Weve also had a few unexpected expenses, such as dental bills totalling {$25000.00} combined. Weve also had problems with our basement flooding ; causing mold on the walls and thus we need a new roof. Also, plumbing was done as well and that was very expensive. On top of all of this happening, we had our other usual housing expenses. 
On XX/XX/XXXX I decided to submit a mortgage assistance package to my lender. On XX/XX/XXXX, I spoke with the re-entry department at Wells Fargo and they advised me they could not move forward for the review due to the sale date at that time set for XX/XX/XXXX. I had no other choice but to head to the court house in my county and see a judge in hopes of getting an adjounrment. On XX/XX/XXXX, the judge granted an extension and moved the sale date for XX/XX/XXXX. I re-sent another mortgage assitance packgae to my lender asgain since I had more time now. On XX/XX/XXXX, I was made aware again that my file was not being able to be reviewed for a loan modification. There are 3 reasons why I believe I should be able to be fully reviewed for a loan modification at this time. The last time I was fully reviewed for a modification was back on XX/XX/XXXX, which means theres already been more than a year of time since the last review. Second, I have had a recent change of income compared to the income I last had in XX/XX/XXXX. I now make less income than before. This is another reason why I should be able to be reviewed again. Also, I was advised on XX/XX/XXXX XXXX by XXXX in the re-entry group that the investor for my loan was XXXX XXXX and that I was not able to be reviewed, because I had reached my mod limit. Then on XX/XX/XXXX, I spoke with XXXX XXXX in the Customer Recovery group and again he advised me the investor for my loan was XXXX XXXX. I sent a request in writing asking for my investors name and information. On XX/XX/XXXX, I received the response for my request and I was advised in writing by Wells Fargo, that my investor was actually XXXX XXXX  NOT XXXX XXXX. Therefore, this is another reason why I should be reviewed again, because I was lied to and that kept me from re-applying for a loan modification and during that time I had a foreclosure sale date set for XX/XX/XXXX.
Product: Credit reporting

I attempted to get copies of my report from the XXXX agencies through XXXX, but each agency gave a different convenient reason why why they would not present my credit information at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have no right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not finish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting energy may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer reporting and see if the person also knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to XXXX and XXXX to removed erronous credit error on my report. I subitted supporting documents on XX/XX/2022. As of this date the problem still exists and it took over thirty days to eespond which menas it was the the 30 days period from their investigation. Therefore, It must removed the error from my credit report. I received and have in my possession a notary document stated that this account was in error and that the vehicle in question was recalled by the manufacture. I submitted proof to XXXX XXXX XXXX back in XX/XX/2022 and 60 days later it still shows as an updated file. They have not done anything to my account even though I submitted proof that XXXX XXXX screwed up. According to California law, the vehicle XXXX purchase was in fact a lemon by California standards, plus the Manufacture admitted that it recall the vehicle and didnt have the parts to fix the vehicle as of XX/XX/2022.
Product: Vehicle loan or lease

LVNV Funding hired Hide and Seek recovery to repossess my XXXX XXXX XXXX XXXX. The repo took place on XX/XX/XXXX. I reached out to LVNV Funding to obtain the contact information to the tow company which is Hide and Seek Recovery, and did not receive the correct contact info until XX/XX/XXXX. I connected with Hide and Seek and was informed to submit a request online to retrieve my belongings. I submit the request on XX/XX/XXXX for a pick up date of XX/XX/XXXX. I received confirmation of my appointment at XX/XX/XXXX at XXXX via text message and email. My appointment was scheduled for XX/XX/XXXX @ XXXX am. On XX/XX/XXXX @ XXXX I received a cancellation of my appointment and reasoning being a " harmless hold ''. I attempt to reach out to the tow company but was unsuccessful. I reached to LVNV Funding on XX/XX/XXXX @ XXXX regarding this matter and was initially told they did not know why my appointment was declined and they would attempt to call the tow company and give me a call back. By XX/XX/XXXX I had not received a call back so I reached out to LVNV Funding again. I was than told that my vehicle was sent to auction on XX/XX/XXXX and at that time they did not know where my belongings were. I reached out to Hide and Seek XXXX that same day and they advised me that LVNV Funding ordered my vehicle to be sent to auction with my personal belongings in the vehicle. Once again I reached back out to LVNV Funding and at that time was advised to contact XXXX XXXX XXXX to retrieve my belongings. I reached out to XXXX XXXX XXXX to schedule appointment for pick up of my belongings an was told that the vehicle had arrived on XX/XX/XXXX and they had not yet received the release for my personal belongings. Once more I reached out to LVNV funding and was advised to wait XXXX - XXXX hours and if there are any additional fees I would have to pay them to receive my personal belongings.
Product: Credit reporting or other personal consumer reports

Hi. The inquiries that include XXXX XXXX XXXX and XXXX XXXX  are unrecognized hard inquiries that dated back months ago in which I have not seen until now. I am unsure as to who is using my identity to acquire credit information or loans, however these are not inquiries that I have made. Equifax has inaccurately reported false information in regards to my credit report and has requested for sensitive information that had put my information severely at risk and so I request that this solution be resolved urgently as this has been ongoing for months and that my credit report must accurately reflect my real credit activity. Thank you.
Product: Debt collection

I keep getting calls and letters attempting to collect a debt that has been time-barred since XX/XX/XXXX. This has happened several times since XX/XX/XXXX. The latest attempt was XX/XX/XXXX by ARA , Inc. I incurred this debt when I was professionally employed as a software engineer. I lost my last job in that profession XX/XX/XXXX, which is the same month I made the last payment on this account. In the time after this, I was homeless for 3 years and when I was finally able to get work it was 25 % of the income I had XX/XX/XXXX. My computer skill set is now obsolete and I am also now XXXX years old. This debt keeps popping up occasionally and I am tired of telling one collection agency after another that this debt is time-barred. They just sell it to the next one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent credit dispute letters to XXXX  and Transunion via certified mail as I saw that my credit report was reflecting inaccurate 30 day late payments ( 2 ) with XXXX XXXX XXXX for an auto loan that was already paid off. I submitted my proof of evidence ( copy of bank statements, emails and CA ID ) of payments, the account numbers, and all the pertinent information that would help the bureaus with their investigation. It has been 83 days as of today and I have yet to hear back from either Credit Bureau. I have been patient but this has gone on far too long. I have yet to hear from the bureaus, and when I tried to do dispute this online, I got an email from XXXX stating that the investigation would be completed in XXXX. I don't think its fair to extend the investigation another month, when I've already waited almost 3 months already just in trying to get a response from the bureaus. It is my understanding the under the FCRA, that the credit bureaus are obligated to respond within 30 days to ensure the correctness of the reported information. More importantly, if the disputed items are inaccurate or can not be verified that they are removed from the credit report as well.
Product: Checking or savings account

I opened a dispute with Wells Fargo for 2 transactions on my debit card. The reference number I was given is : XXXX. 
Im writing this report to confirm I receive temporary credit to my account by the 10th business day, as promised by representative XXXX  and required by Regulation XXXX. 

I also have documentation I sent in via email to prove payment by other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have violated my consumer rights under fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of XXXX XXXX format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B as this account does not belong to you and as been resolved the account beginning or ending XXXX that was serviced by Great Lakes in which is now nelnet its illegal to report the same account under different account numbers and well as to two different companies. Great Lakes company no longer exist you cant not use the form of credit reporting as a form of a monopoly application I ask that you remove this account from my credit report or I will be force to file documentation in court of law against you for my pain and suffering against your misrepresentation and illegal use of furnisher reports
Product: Credit reporting or other personal consumer reports

This account has been re-aged improperly, by changing the charge off dates the dates this has a negative impact on my life long term and extends the time in which the debt remains on my record. Multiple Charge of dates also cause the report to become inaccurate, please delete : remove from credit report.
Product: Credit card or prepaid card

Date of transaction : XX/XX/XXXX Amount : {$280.00} Nature of dispute : a merchant in the XXXX XXXX issued a credit in the amount above to my Chase credit card ending in XXXX, which I had originally used for a purchase in XX/XX/XXXX ( one of the items broke and it was still under warranty ). The merchant issued the credit to my credit card via XXXX. As of XX/XX/XXXX, Chase has not been able to locate the credit and my money is missing. 

Trace number : XXXX ( provided by XXXX XXXX ) Attached are all contacts I made with XXXX and Chase between XXXX and XX/XX/XXXX together with the unsatisfactory resolution. 

I can't tell if the problem is that XXXX did not send the credit correctly to Chase or whether Chase misplaced the refund. The fact that two financial companies are involved complicates the situation. What is 100 % true is that Im a defenseless consumer. Neither XXXX nor Chase have been able to resolve the situation. Im caught in the middle while my money is nowhere to be seen.