23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am XXXX years old, my hearing is challenged, I have filed complaints against Wells Fargo and I always ask for them to respond in writing. I do not like being on the phone and having to always ask for conversation to be repeated, it makes me feel troublesome and I am always having to apologize. Also, conversation can be misunderstood. Yet Wells Fargo continues attempt calling me. I want a accurate record of all correspondence, Therefore I am requesting a CEASE and DESIST of all phone conversations. Wells Fargo may reach me at my email address, by USPS or through there messaging platform. 
There is nothing in the contract they created and asked me to agree to that states certain correspondence can only be done over the phone. 
CEASE and DESIST all phone conversations particularly from their Executive Office, immediately, Stop harassing me!
Product: Debt collection

HIPAA Violation Alleged account # XXXX National Recovery Agency has not provided me a HIPAA release that releases my medical information to them. The credit bureaus have allowed them to violate my HIPAA rights by continuing to report this account without following the HIPAA guidelines. I have requested a copy of their HIPAA compliant BUSINESS ASSOCIATES AGREEMENT as well as a description of how they recieved my ePHI to show compliance with the HIPAA Security Rule, specifically the HITECH ACT OF 2009. 
( copy of affidavit attached )
Product: Credit reporting

This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I contacted Experian and they stated that it could not be disputed and that XXXX would have to notify them to remove the inquiry. However, XXXX stated they have no record of making the inquiry and I would have to send a written letter to them with detailed info to have them remove the inquiry. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?
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 violates the Consumer Financial Protection Act ( CFPA ). Cash App has failed to take timely and effective measures to prevent and address fraud on their platform which leaves my account vulnerable and unprotected from fraud. 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 a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 15 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 seven years.

15 U.S.C. 1681sXXXX  ( 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: Debt collection

I sent CREDIT ACCEPTANCE CORPORATION a cease & desist letter and they are still communicating through a medium, to each consumer reporting agency, without my consent. XX/XX/2021 they received my first cease & desist letter but it's not being honored. So I am sending another one demanding to stop all forms of communication, XXXX  out the account, mail my car title, remove from each consumer reporting agency, and pay the invoice for the injuries. If this matter isn't handled, the next step is lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The aact was paid in full... it has NEVER been a collection acct ... but equifax refuses to properly vett the acct and remove the negative comments. Equifax has it listed as a collection acct... it is not.i don't think equifax is doing a thorough investigation to try to correct the negative information. XXXX XXXX XXXX XXXX XXXX  will let them know this not a collection acct ... equifax refusal to remove this is causing me credit denials and I think they are doing it on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Pacifically cash app failed to take timely and effective measures to to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore, they dispute resolution process was unfair and deceptive as they didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss
Product: Mortgage

I have the problem with Santander bank. Start from XXXX, I didn't know some money with amount {$1100.00} kept depositing to my mortgage account on XXXX of every month, till XXXX total 4 times.I contacted them immediately in XXXX, and asked for who paid it, but I didn't got the answer, and I was told just need to pay the remaining balance. but from XXXX, I paid full mortgage payment. at the beginning of XXXX, the guy who paid to my account by mistake called back the money, it is normal and understandable, but the bank even reverse all the payment even paid by me. and told me I didn't pay since XXXX, I kept calling them, almost every day. nobody give me a solution, they just kept change my balance, every week I receive a difference number need to pay, finally, I was told by customer service, they didn't accept any payment before they making it clear, I should wait their notice, but after that they reported me their lost mitigation deportment, and informed for pre foreclosure. till now the statement is not correct, it is difference with what I got from the phone call, I still don't know how much to pay. I just paid them based on my calculation. but the still reported to consumer report which impacted my credit history. I can't imagine such a big bank, no body can do the correct calculation?
Product: Mortgage

I called a couple dozen loan companies to find Refinance rates XX/XX/2015. Not as single company was given my social security number. When I filled out forms I NEVER gave my social security number or authorized any credit checks. Quicken Loans was the ONLY company to run a credit check & they ran a " Hard Credit '' check. I have screen shots from filling out there form that show diffinatively I never gave them my SSN & the form specifically says they are NOT authorized to run a check. On XX/XX/XXXX I saw a " Hard Inquiry '' was run by Quicken Loans. On XXXX XXXX, 2015 I logged on to XXXX ( Quicken loans web site ) to confirm they did not have my SSN. I have a screen shot of the form that shows that they were never given my XXXX. At first they said they ran no credit check. Then they said they ran a check and that I authorized it. Then they deleted me from XXXX and said they did n't run a credit check. In the end they said I ran a credit check and I authorized it. THE SCREEN SHOT PROVES THEY WERE NEVER GIVEN MY SSN. They took the information I provided and STOLE MY SSN and then ran a " Hard Inquiry ''. I reported all this to the credit reporting agency " XXXX XXXX '' and gave them the screen shot proving my SSN was stolen. And the screen shot also says I was not authorizing a credit check!!! XXXX XXXX, which appears to be a branch of Quicken Loans, said I gave " implied concent '' even though the screen shot specifically says the opposite. Quicken Loans stole my SSN. I have provided a list of all the executives I spoke to and there numbers. I tried for over a month to get them to correct it, even sending them the screen shots. They claim now that my MyQL.com account was deleted by accident. This " accidental deletion '' occured on or about XXXX XXXX, 2015. The executives at Quicken Loan are clearly covering this up at the highest level as only they could have there IT person delete me. They deleted me before they were notified by me that I had a screen shot already that proved what they did and that they stole my SSN and ran an unauthorized credit check. Even in the face of this evidence they are now saying I authorized the " hard inquiry ''. I authorized no inquiry of any kind and this is proven by the screen shot. I do n't know for sure how they got my SSN but I suspect that their credit agency, XXXX XXXX, stole it for them and then they used it to run a " Hard Inquiry ''. Again, I inquired with about XXXX dozen other companies at the same time period about their rates thriough online forms and over the phone and not a single other company ran a credit check because I NEVER GIVE OUT MY SSN!!! My fiance, XXXX XXXX, has the screen shot and emails sent to those involved on our home computer and can send the proof right away if you call him at XXXX or you can call me, XXXX XXXX at XXXX and I will have him email you the proof from my email address.
Product: Consumer Loan

I filed a complaint against Ally regarding my car loan earlier today however I finally was able to speak with an agent and learned why I have had so many issues during the four years. When Ally credits a payment they credit the payment to next or current car payment but do not credit any of the funds to any amount that may be " in arrears ''. When the next payment comes in they continue to credit the entire amount to the next payment regardless if there is a late fee or shortage in the previous/current month on the account. This keeps the customers account in a constant shortage which then incurs additional late charges and sets the customer up for reporting to the credit bureau. This is what has been happening to me since I became an Ally customer over 4 years ago. I have complained several times to Ally but they deny doing anything wrong. Today " XXXX '' told me how Ally credits payments which explains why/how Ally has been overcharging me for the last 4 years. Per " XXXX '' this form of accounting is perfectly acceptable. If this is the way a bank/credit union is suppose to credit payments then I have several other accounts to file complaints because none of my other lender do this underhanded accounting. I make more than XXXX payment per month so instead of Ally crediting my payments to current month or any arearage they are crediting payments to potentially future payments and leaving me with multiple late fees. When I make a payment I expect the money will be credited to what I owe - late fees, current monthly payment if additional to principle. I expect this every month.
Product: Credit reporting or other personal consumer reports

The company, XXXX XXXX, claims to investigate fraud, account take overs and unauthorized charges but they merely collect all kinds of information. They then submit that to their non-existent " Investigation Department '' and every time you call in you are sent to low level customer service people who will only open up new disputes. 

XXXX XXXX by XXXX XXXX has " investigated '' eleven times and each time they reverse the information and charge the disputed amounts as new charges. There are ten late marks on my credit report, my score has dropped tremendously and I am receiving harassing calls, texts and emails from external collections people. XXXX recently opened up a dispute and claimed to be putting collections and negative reporting on hold while the dispute resumed. This never happened and they consistently report a negative mark to the credit bureaus every month. Nothing is due to them as every bill was paid before the end of each month. The statements below show the payments, fraudulent charges and rebelled amounts. The total cost to me for all of the fraudulent charges and for each reversal has been in the amount of {$86000.00} All of this is from their very own statements. I also have the statements from my bank verifying the payments that were made. 

It is extremely frustrating to call in to their phone number as there are no decision makers to end this and refund my money. My last call this week to try and resolve this was so incredibly upsetting due to the only solution offered was another dispute! Supposedly, someone from the dispute department will be calling me but they have no knowledge of when this person will call, if they are in the US or if they can resolve this matter. If I miss their call then I can't call them back evidently. Calls from an unknown number usually are automatically sent to voicemail.
Product: Mortgage

we have a mortgage loan with SunTrust Mortgage ( investor is SUNTRUST Bank , Inc. ) on a rental property in XXXX North Carolina. it was a 5/1 interest only mortgage after 10 years the loan converted to a 20 year fully am adjustable. the payments have more than doubled. given the vacation/resort nature of the property the property primarily rents and brings income in to help cover the cost of the mortgage during the summer months. but now we are unable to make the mortgage payment with a son in college and one going next year. the rental income for the 2018 season will not start coming in until XXXX so we will be unable to make XXXX, XXXX and XXXX mortgage payment. 
we had requested a modification of the loan terms so we could better afford the payments and cover with the rental income that comes in. Some major safety repairs to the deck also must be done or the people will not rent the home. double edge sword. ca n't afford to fix it up. we are looking in to short sale but after speaking with cpa, the cost will be over $ 75k at the end of the day. 
the modification was not approved as they performed a debt ratio that appeared we could afford it but they did not take in to consideration ALL debt and income has since declined. 
in the response to the modification, it stated that if the property is in the state of North Carolina, we could file a complaint with www.nccob.gov from that site, i was brought here
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX, ARS Account Resolutions 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. This account is listed on my credit in the amount of {$1300.00}. The original creditor listed is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company on several occasions to update my credit report with the correct information. They continuously report that my account is closed and does not reflect the actual balance on my mortgage. I have spoke with several managers that assured me that this would be corrected and as of today 's date, it has n't. My account is current and open and I would like that information reflected on my credit report.
Product: Checking or savings account

My SoFi account was restricted after I deposited money from my XXXX checking account, which took five days to be processed. As a XXXX man, I mistakenly reported the transaction as unauthorized to my XXXX  checking account 's customer service when the money was deducted. This led to my SoFi account being restricted. I have since called SoFi and completed the ID verification they requested, but my account remains locked. I urgently need access to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continuing it's XXXX XXXX INSTITUTIONAL XXXX negligent business practices of inaccurate erroneously reporting my payment history so as to suppress my creditworthiness, and employment viability. Per that attached XX/XX/XXXX credit report, Experian is reporting my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX as 30 days late when the payment was CLEARLY made XX/XX/XXXX per the attached XXXX XXXX XXXX branch location receipt!!!
Product: Consumer Loan

I was deployed to XXXX in 2012 XXXX XXXX - XXXX ). While deployed I was living near a local village and did n't have regular access to mail, internet or phone. I received a letter from my auto loan holder XXXX Navy Federal Credit Union XXXX that I missed a payment. I had setup the account to be paid automatically each month, in excess of the minimum amount, using my XXXX credit card. I called NFCU and asked them why and they told me over the phone that I was late and it was because of insufficient funds. I told them this was n't possible, I was deployed and had more than enough available credit to pay the auto loan monthly bill. I spoke to a manager who told me there was an error processing my card, and it was the bank ( NFCU ) fault, not my own fault. They said they were sorry and would delete the late payment from my records ( 30 days late ). A month later I checked my credit report and it was reported to the credit agencies. I called NFCU and asked them to remove it and they denied my request. I immediately asked what the total amount owed was and told them I want to pay off my loan in full. I paid off my loan in full that day because they could n't process my payments correctly. 

I have since submitted disputes with NFCU directly and with the XXXX credit agencies. I have not received resolution. NFCU will not remove the late payment report and neither will the agencies.
Product: Debt collection

Capital One AutoLoan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

Alleged debt was sold to another debt collector without any notice and never made a legal binding contract
Product: Mortgage

On XXXX XXXX, 2014 a complaint ( XXXX ) was opened against FirstBank of Puerto Rico. 
The case was closed, the company responded to the complaint on XXXX XXXX, 2014 at XXXX. During that day FirstBank did XXXX a Hard Inquiry ( without written consent ) and the a Soft Inquiry on the Credit Reports of my wife and mine. The purpose was to provide cfpb with evidence that the account was showing on the Credit Reports. Please refer to Exhibit XXXX of the complaint number XXXX. The same date we requested FirstBank to correct the Hard Inquiry. As of this date there has been no correction.
Product: Credit card

XXXX XXXX Customer Service, XXXX XXXX XXXX TD Bank , N.A . had responded that she has processed the necessary adjustments and corrected the error and please note, these transactions will be reflected on your XX/XX/2024 billing statement. I am filing a new complaint because the complaint case XXXX was CLOSED.. I only have XXXX promotional purchases, XXXX {$67.00}, and the other one is for {$21.00} monthly due payment. I made a payment on XX/XX/XXXX for the XXXX of {$88.00} should have been {$88.00} now my statement showing {$8.00} payment is due On XX/XX/2024, I purchased the Galaxy Tab XXXX for the amount of {$190.00} and on Friday, the XXXX 2024 I purchased the Galaxy Tab XXXX FE+ for the amount of {$450.00}. I returned the merchandise, and my account was credited but when I received my building statement that was still showing as a purchase and wants me to make payments on return merchandise. I contacted TD Bank customer service agent and stated the credit was submitted to the wrong account, to contact XXXX XXXX. I contacted XXXX finance they stated that the credit was submitted according to the purchase to call back and do a dispute. I Call TD bank back and the customer service agent did not let me do a dispute. Just getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

The phone operator XXXX from the team XXXX  ( as I was informed by the operator ) was under the influence of alcohol  and or drugs  and refused to lodge a dispute. XXXX refused to transfer the call to a manager. 

I wanted to lodge a dispute against the item reported by XXXX. XXXX stole money from my account and damaged my business relations costing me thousands of dollars. I owe no money to this account and most importantly the account is closed but it shows otherwise in the report. 

Experian phone operators refused to lodge the dispute. Experian is corrupted and gets paid under the table by the financial institutions to work in their favor.
Product: Credit card

My commitment to timely payments on this account has always been steadfast, preventing any instances of overdue payments. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed.
Product: Student loan

I have been charged extremely high capitalized interest to loans in times of hardship and I believe the interest rate is extremely high. Please help me. I owe nearly twice the amount I borrowed even though I have paid for years. 
Thank you