23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2016, I authorized a debit from my account with my Walmart Credit card, in the amount of {$75.00} for the due date XXXX XXXX, 2016. I was leaving XXXX for my vacation last XXXX XXXX, 2016. I decided to mail a check for my XXXX XXXX due payments in the amount of {$75.00}. When I arrived after my vacation, They wrote me a letter, applying the check for XXXX XXXX due payment. Instead of my XXXX XXXX due payment. The balance instead of deducting my payments, it was even increased. For three months I was not using the credit card. Now my balance went up again because of the penalties, late payment as they claimed. I called them three times, to no avail, they are insisting on what they want. I wrote a letter requesting them to reconcile their records and waive the penalties and late payment they slapped on my account.
Product: Money transfer, virtual currency, or money service

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: Consumer Loan

XXXX/XXXX/16 my wife called me and told me to meet her at world finance.I met her there and she had worked out a loan with Mgr. XXXX XXXX. I had to sign and put my XXXX up for collateral. In about a month my wife had moved out, when I was at work. She left a note saying that she would pay for 1/2 the WFI loan. Since being gone she has not paid anything. I have tried to keep up but it has been really hard, she left with me with every bill. Last month I received a bill from WFI saying I owed {$50.00}, I paid XXXX on XX/XX/2016. This week I get notice now that I owe {$260.00}, the next day I get a letter stating the loan is in default and I have until XXXX/XXXX/16 to pay the {$260.00}. You know I dont think WFI trys to contact my wife about her side of the payment. To my understanding I was not the primary lender on this. I feel like I being discriminated against because I have the collateral. I am about ready to give them the XXXX, but the more I thought about that they can sell the XXXX for wharever price they want and still leave me holding the bag for the balance. WHO WOULD TRUST THEM. By the way I found out my wife used the money to pay off her other payday loans she had, and did nothing for her kids. My sister says I need to tell you I am XXXX yrs old and my wife was XXXX yrs old, for whatever reason. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX ) XXXX XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX ( XXXX ) XXXX   XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Product: Mortgage

On XX/XX/XXXX, my wife and I applied for a pre-approval through CitiBank for a Jumbo mortgage loan. 

We sent them all documents to confirm we were pre-approved. The loan officer, XXXX XXXX, received our documents and we were told we were pre-approved. We were able to get our offer accepted and started the home purchase process on XX/XX/XXXX. Our closing date was set for XX/XX/XXXX. 

As we went through the process, we submitted additional documents for income, assets and student loan documents. 

About 2-3 weeks in, XXXX XXXX said Citi 's underwriting and credit risk team were not using my full income, although it was the same job but with a different company. They also would not accept the XXXX  loan documents ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for her payments. Although we showed them documentation of these payments, CitiBank would not accept them and created their own calculations which we got no explanation to how they arrived at said numbers. They also only used 70 % of my Certificate assets as well. I reviewed the jumbo guidelines and found they were supposed to use 100 % of my assets. When we would call XXXX, we wouldn't get a call back for days at a time causing us to lose time which also caused the seller 's agent to threaten holding our earnest money deposit. This caused us to have to obtain a mortgage elsewhere with a much higher rate, points and closing costs. 

On XX/XX/2024, XXXXXXXX XXXX  manager, XXXX XXXX, reviewed our file in its entirety and had no explanation to why the underwriter and credit risk team made these assessments/decisions to our file. All he said was it was their decision and he would have to find out why which would take days to get answers that we could no longer afford. 

We saw just earlier this year in XXXX that CitiBank Mortgage had to pay {$25.00} XXXX in penalties for discrimination against XXXX customers and ones with XXXX XXXX XXXX. We believe they did not learn their lesson and we were also victim to CitiBank 's discrimination on our loan as well. 

We were able to obtain approval on our loan elsewhere with a much higher rate, points and closing costs. We were given the run around for about a month, causing stress and having to run our credit multiple times ( bringing our scores down ) to look for another mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax on several occasions that I was never late on any of my open accounts in XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.
Product: Debt collection

On XX/XX/XXXX Received a credit notification from XXXX credit monitoring, stating that a collection was placed on my file on XX/XX/XXXX. 

Source was Amsher Collection Services , Inc XXXX/ for XXXX in the amount of {$450.00} /acct # XXXX I disputed information as inaccurate, I am a current customer with XXXX in good standing Dispute came back as verified, I immediately contacted collection agency. They stated that XXXX verified the account as belonging to me. 

I contacted XXXX serval times and they did a search with make back with no results of me owning them anything. The last contact was with XXXX XXXX in XXXX, XXXX. She gave me a complaint # XXXX an stated that I never owed XXXX and that I should not have been placed in collections. 

This happened at a time when I was attempting to get business funding to purchase a property, Unfortunely because my credit score went down because of the incorrect collection information I was not able to get the business funding,, which would have been between XXXX
Product: Mortgage

Have called and asked nicely to have my number removed by Quicken Loans, but I get a call from their IP phone at the number XXXX almost every day. Have blocked them, but they fill up my voicemail and refuse to stop calling even though Im on the do not call list.
Product: Debt collection

I had a report of a Wells Fargo Credit Card reporting negatively on my credit report. I have never had a Wells Fargo Credit Card. I was a customer of Wells Fargo at one time but left for XXXX XXXX  when I left my XXXX marriage. Wells Fargo refused to let me remove my name from the account that was linked with my husband at the time. I started trying to call WF XX/XX/XXXX to learn what this debt was. XX/XX/XXXX they sent me a packet of bills with an address different than what it should have been. They advised the card was opened in XXXX. This is the year I left my marriage and started banking with a new bank. I looked at the charges and didn't recognize them. Some of the charges were in a different state than I lived in. I called to advise them of this and they said they would open and investigation. I waited about 2 months and didn't hear anything back so I called again. They advised no investigation was ever started. They put me on hold for 45 minutes as they were " looking into it '' then hung up on me. I called back. They advised that they could see an investigation had been started and I would hear from someone. I asked how I would hear from them and they couldn't answer. I had to force them to take my new contact information. I waited 2 more months and again heard nothing. I called back again but this time to the corporate office. They listened to my complaints about nothing ever happening. Assured me an investigation would happen and that they would personally call me back. They confirmed the address that the address was opened in and I advised that was NOT my address at the time. They also said that my name was the only name on the account. I never received a call back but I did receive a letter and a check for {$270.00} for all of my trouble. I was advised that it had been removed off of my report. I thought it was done. A couple of weeks later I received a letter stating that my report was denied and they found it to be my debt. I called and told them I wanted proof and they told me they couldn't provide me with proof that they didn't have to and that they were going to put it back on my credit report. I contacted the corporate office again and complained. Again they assured me that the case manager would reopen the investigation and that she would personally call me back. They told me to wait until XX/XX/XXXX and if I hadn't heard from her to call her directly. I have called her several times and she will not return my call. I received a letter from her stating the debt is mine only this time they sent completely different invoices before and this time they have my then underage daughters name on the account as well. I have called multiple times to ask someone about the discrepancies and they refuse to call me back or provide legitimate proof that this debt is mine. I am fully aware that Wells Fargo was in a lot of trouble for their employees opening credit accounts in customers names without their permission. I don't know if this is what happened but they won't even acknowledge it. They keep saying it's my debt but refuse to speak to me on the phone or show me proof. I am extremely frustrated.
Product: Credit reporting, credit repair services, 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 15 USC 1681.XXXX XXXX , XXXX, XXXX and XXXX XXXX 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 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 seven 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. 
XXXX
Product: Debt collection

The first phone call I had with I.Q Data International Inc. was a year and a half ago horrible experience. The lady got so rude because I wanted to make payment arrangements because I couldnt pay the full amount of {$540.00} and she wanted the full amount paid. Claiming I had enough money to pay according to her calculations because she knew what my monthly expenses were. She was demanding repeatedly I pay with my credit card I told her I wasnt going to do that and since I wasnt getting anywhere with her I hung up. Months later I got on the phone with them again and this time it was a man and the same thing happened and once again I hung up the phone. I thought this can not be the way they treat people so I called again same situation asked to speak to someone else and it just got worse and so I hung up the phone again. In XX/XX/2022 I got a letter the amount is now {$620.00} the letter says I can settle by up to 30 % if I pay by XX/XX/2022 so I called today ( XX/XX/2022 ) I told the man that answered I got a letter saying I could settle the account for 30 % he says you can do that or you can pay the full amount and have it removed from your credit? I said no I want to settle he says I have to see if you qualify for hardship ( no where in the letter it says that I have to qualify and get approved for that 30 % ) he went on to ask me how much was my rent, car payment, monthly credit card bill, and if I got a personal loan I said yes, he also asked if I was collecting unemployment I said no. Told me to hold on he came back on the line and asked again if I wanted to pay the full amount and have it removed from my credit told him again no, then he says its {$520.00} told him I couldnt pay that then his tone of voice change asked me how much I could pay, I said {$200.00} and he got more aggressive and loud saying thats not even 30 %? 30 % is like {$400.00}? this is why you dont qualify for hardship because you refuse to pay. Pay with your credit card and be done with it I said no Im not using my credit card. He says you got a personal loan why didnt you pay it? I said I had to use the money for something else ( got this loan a few months after COVID started to pay rent because I was unemployed and my husband work was very slow ) and he says in a very harsh voice Im not here to hear your excuses! At this point I had enough and hung up the phone. I have made several attempts to pay them but instead they get so aggressive, rude, demanding, trying to intimidate me by the way they talk because they want to force me to pay the full amount with my credit card. They sent a letter and dont want to honor what they say. The letter says to call in order to secure the offers instead they get you to try to pay the full amount and if you disagree they insult you in anyway they can.
Product: Checking or savings account

On XX/XX/2021 I was incarcerated I had XXXX on my debit cards and one of my debit cards were activated the other one wasn't activated but it had the money deposit on there and someone use my card they activated the card and everything without my permission spent all the money I tried to go through with them show them my bell paperwork I also them show them that I did 6 months in the county jail during the time that the money was being spent and that it was no way that I could spend it so I try to do a claim and they kept denying me kept deny me so I was wondering if there's anything that you guys can do to help me I got your stuff offline it came to my phone yes thank you may XXXX bless you
Product: Debt collection

They have called numerous family members say they are serving my papers and pressing legal action. Back in XXXX I started a payment plan with them and paid a large amount over time. But they keep harassing me when I told them I was struggling with money. They started calling family members again and blowing of their phones and mine. They have put me down when I told them I couldnt afford XXXX plus a month. I told them I have a family and daily life. I want them to leave me alone. I contacted out to an attorney for harassment creditors and he said the company calling me does not have a open law license in the state of California and they are scamming me.
Product: Credit card or prepaid card

American Express closed my account, as American Express had just charged me with an annual fee, I requested a refund. Heard nothing from American Express. Understand this is American Express standard operating procedure, not providing refunds.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$0.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. REMOVE ADDRESSES : 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: Checking or savings account

Today XX/XX/year> I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 1681 section 604 A section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to dispute inaccurate information that remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the removal of a credit card account on my credit report. This account is inaccurate, and I initiated a dispute over 30 days ago, providing all necessary evidence to support my claim.

Under 15 U.S. Code 1681i, credit bureaus are required to conduct a timely reinvestigation of disputed items within 30 days of receiving the dispute. If the investigation can not verify the accuracy of the information, the FCRA mandates that the information must be corrected or deleted.

To date, I have not received confirmation of resolution nor any evidence to verify the accuracy of this account. I kindly request the immediate removal of the disputed item from my credit report and a written confirmation of the correction.
Product: Vehicle loan or lease

1. Per CFPB File No. XXXX Toyota was supposed to pay restitution/compensation on subject settlement.

2. Although they called me back couple of times to verify name and address, no payments have been made or received.

3. Could please advise Toyota to initiate remedial actions. Thanks a lot. 

XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

Hello, I'm writing to you because I had received a letter from 53rd Bank dated XX/XX/2023, regarding the misapplied funds. The letter states " we wish to confirm that we have posted your payments according to your instructions '' wish it don't tell me nothing. I don't see anything posted as discussed with 53rd bank. 
The letter did not resolve my complaint because it is not detailing any amounts or a breakdown of what did they do with my {$2600.00}, I paid on XX/XX/2023, on escrow shortage. 

The escrow shortage was not {$2600.00} like I was told by 53rd by escrow agent XXXX, on XX/XX/2023, which I had paid so my monthly mortgage won't be so high. On XXXX XXXX, I called to follow up and I was told by XXXX that the {$2600.00}, was not applied because it was not the correct amount. Representative ( XXXX XXXX told me on XX/XX/XXXX, that the correct amount was {$1200.00} and once applied my monthly mortgage will go down to {$1300.00}. Nothing has been done as discussed and this keeps happening year after year with escrow issues. 

This issue needs to still be resolve and a letter with a breakdown of what they did with my {$2600.00} and my monthly mortgage should have been adjusted to a lower amount. If the {$2600.00}, was applied to the escrow I'm fine with that but my mortgage payment should have been lower. Also, my monthly mortgage payment its still showing at {$1400.00} instead of {$1300.00}. 

On another note : XXXX XXXX XXXX had adjusted my insurance to {$5100.00} a year which should also drop my escrow total. XXXX XXXX XXXX told me they sent you a new declaration with the new total during XXXX. 

I also wish to talk to someone that will give me accurate information on how to apply more money to my principal to lower my monthly and pay the mortgage sooner. 

I appreciate your assistance in this matter. 

Best regards ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX has not validated this debt , i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. 
I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Product: Credit reporting or other personal consumer reports

After several attempts to having this XXXX XXXX credit card removed from my credit profile Experian constantly and repeatedly reports this as verified. I've called several times and try to explain to their establishment that this is impossible because the account is under a business EIN number which I don't own. I called XXXX XXXX and was told that I'm not even showing in there system. Experian neglected to due their due diligence and continuously verify this account as mine.
Product: Credit reporting or other personal consumer reports

XXXX investigations always come back verified but does not explain the process of how information was obtained.