23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a regular mail notice of foreclosure dated XX/XX/XXXX and XXXX XXXX, 2015 see : Attached pages XXXX. On the steps of XXXX XXXX Courthouse. I have no knowledge of this company nor do I have any business or contractual matters with this firm. However it has obtained some of my personal information which I gave no consent to do so, XXXX name included in this alleged claim is that of a deceased being. Pursuant to 15 U.S.C. XXXX and title VIII of the Fair Debt Collection Practices Act, I certified mailed a Notice to Dispute and Cease and Desist to senders see : attached pages XXXX, XX/XX/XXXX. Around XX/XX/XXXX again through regular mail, I received COPIES of requested information, request demanded according to law the original wet ink documents, furthermore even this copy of a copy has been altered see : attached page XXXX. The copies are not sworn to nor verified by any person making the alleged claim. Also to continue this deception on XX/XX/XXXX my personal property appeared in local newspaper, foreclosure/auction section. This has put harm to my reputation, sanctions shall be issued, chargeable on the Bond ( s ) of the " once verified '' parties making such fraudulent claims, all shall be fined for the actual damage cost and time that my family endured during this matter.
Product: Debt collection

Please remove these accounts as they do not belong to me. Review the attached documentation.
Product: Debt collection

On all of my credit reports for XXXX, XXXX and XXXX XXXX. Ive seen that I have a derogatory report stating that I owe a debit of {$5200.00}. I do not know these company and do not know what loan they are talking about nor I am getting any information from this company when I called to find out what is going on. I want a copy of the original contract with my signature, a copy of the original payment history, and proof of collection authorization as I was unable to get this information. I did file dispute with with the three credit bureaus and waiting for a resolution. Since this debt is disputed pursuant to the fair Debt Collection practices act, I require that the company cease all collection of this alleged debt and that I do not want any contact with this company along with using my information illegally to report to the credit bureau as I will then file for fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

They are now calling my husband 's cell number and they were told verbally NEVER to contact me again. I have NEVER received notification of the debt to start with but they are calling after being told not to and are NASTY. I know of at least two occasions previously where they called me in recent weeks and I told them not to call again so that means don't contact at all to start with. And there have been previous calls, back previous to this recent rash of calls. Nothing in the mail from these people and they previously violated the demand to stop calling and said they would cease all communications on ALL accounts. At this point they owe me money for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

To Whom It May Concern : I am writing to formally lodge a complaint concerning my leased Tesla vehicle, which has exhibited multiple defects compromising its safety and functionality. Despite numerous attempts to resolve these issues through Tesla 's service and finance departments, I have encountered significant delays and a lack of responsiveness, leaving the vehicle unusable and posing potential safety hazards.

Vehicle Details : Make and Model : Tesla XXXX XXXX Initial Defect Upon Delivery : Date : XX/XX/XXXX Issue : The vehicle was delivered with a broken component inside the vehicle. 
Action Taken : A service request was submitted on XX/XX/XXXX, to address the defect. 

Suspension Issues : Date : XX/XX/XXXX Issue : Suspension problems emerged, affecting vehicle stability. 
Action Taken : A new service request was filed to rectify the suspension issues. 

Software Malfunctions : Date : XX/XX/XXXX XXXX : The vehicle began experiencing software-related problems. 
Action Taken : I visited the Tesla service center in person to seek an expedited appointment. However, due to high demand, the earliest available slot was XX/XX/XXXX. 


Critical Safety Failures : Date : XX/XX/XXXX XXXX : Emergency brakes became non-functional. 
Cameras ceased operating. 
Air conditioning system malfunctioned. 
Auto-dimming mirrors turned excessively dark at night, obstructing visibility. 
An unintended acceleration incident occurred, prompting immediate safety concerns. 
Action Taken : Given the severity of these issues, I deemed the vehicle unsafe to operate and ceased driving it. I requested a sooner appointment which they informed due to high demand they can not provide one and the repersentative assited i can drive with non emergency breaks. Which i informed it's illegal in state of XXXX  Attempts to Contact Tesla Finance : Dates : Multiple attempts between XXXX, XXXX, and XXXX, XXXX Action Taken : I left several voicemails and sent emails to Tesla Finance seeking guidance on returning the defective vehicle. On XX/XX/XXXX, a representative contacted me, promising coordination with the XXXX XXXX XXXX XXXX and a follow-up by XX/XX/XXXX. No subsequent communication was received. Further attempts to reach out on XX/XX/XXXX, have also gone unanswered. 

Which i went to the tesla office in XXXX XXXX on XX/XX/XXXX and the representative could not provide an outcome either. 


Contact with State Attorney 's Office : Date : XX/XX/XXXX Outcome : I reached out to the State Attorney 's Office for assistance. However, they indicated they could not intervene as the vehicle had not been in the repair shop for the requisite duration, despite it being parked and unusable due to safety concerns.
Product: Checking or savings account

To Whom It May Concern : I am writing to formally file a complaint regarding the egregious and humiliating treatment I received at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am a mother of XXXX XXXX XXXXXXXX, currently residing in a XXXX XXXX XXXX XXXX to protect myself and my family from further harm. As an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and identity theft, I face countless challenges in rebuilding my life and providing stability for my children. On this occasion, I simply wanted to open a checking account to deposit XXXX funds that my children received from their grandparents in XXXX. Instead, I was met with discriminatory and unlawful treatment that left me embarrassed and humiliated. 

I arrived for my XXXX XXXX  appointment with banker XXXX XXXX and presented my valid XXXX XXXX XXXX  ( XXXX ) card, issued by the State of Washington under XXXX XXXX. The XXXX provides a legally mandated substitute address for XXXX XXXX XXXX XXXXXXXX to protect their safety. Despite this, the branch XXXX, XXXX XXXX, informed me that I could not use my XXXX-issued address and instead suggested that I use the Secretary of States physical address. I immediately refused, as this was a fraudulent suggestion that violates both the intent and the legal framework of the XXXX. 

The branch manager contacted Bank of Americas corporate office, which reportedly claimed they had never heard of the XXXX. I explained multiple times that disclosing my physical address is not a matter of preference but a critical safety measure mandated by law. Despite my clear explanations, I was ultimately denied the ability to open an account. 

As a woman, an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this treatment was dehumanizing and deeply distressing. Financial independence is a crucial step in my journey toward safety and stability, and this denial represents yet another barrier in a system that already makes it difficult for XXXX  like me to move forward. Bank of Americas refusal to honor my XXXX substitute address not only violates Washington State law but also discriminates against me based on my status as a XXXX XXXX XXXX XXXX 


Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ANOTHER ATTEMPT AT GETTING THIS ISSUE RESOLVED. XXXX XXXX & GRIMM COLLECTION ARE ILLEGALLY REPORTING DUPLICATE INFORMATION ON MY CREDIT. XXXX XXXX CLAIMS TO HAVE SOLD THE BALANCE TO GRIMM COLLECTION YET, XXXX XXXX IS STILL REPORTING A BALANCE. GRIMM COLLECTION IS ALSO REPORTING THE SAME EXACT BALANCE + INTEREST. THIS IS AN ILLEGAL DUPLICATE REPORTING AND HAS CAUSED ME FINANCIAL BURDEN AND FINANCIAL OPPORTUNITY ALL YEAR. I CAN'T MAKE UP THE TIME LOST FOR THIS MISTAKE NOR THE TIME IT HAS TAKEN ME TO TRY AND GET THIS RESOLVED. XXXX, XXXX, XXXX ... YOU ARE REPORTING A DUPLICATE BALANCE WHICH IS ILLEGAL. PLEASE DELETE BOTH ACCOUNTS MENTIONED ABOVE AND/OR RECTIFY THE BALANCE.
Product: Checking or savings account

Navy Federal has declined my transactions but I have the funds in my account
Product: Mortgage

Our mortgage payment on XX/XX/year> went up from {$1400.00} to {$1900.00} per month without notice or any warning. Last year we received a kickback from our escrow account saying that we over paid for our taxes. I called and confirmed they stated we simply over paid, and added that extra to my principle. ( This was within the 1st year of owning our home, so knowing we may or may not have over estimated what our escrow should be. ) Our mortgage dropped from {$1600.00} a month to {$1400.00} a month. On XX/XX/XXXX with no notice my mortgage went up by {$600.00} per month! I called and originally the mortgage servicer said my taxes doubled... I called the tax assessor 's office and they said my taxes went down by {$100.00} since last year. I called the mortgage company back and they told me they made a mistake. They received the noticed from our city for due taxes late in XXXX, so they went ahead ASSUMED our taxes dropped by 50 % ( how would this ever be feasible??? ), and adjusted our mortgage, and kicked us an escrow check. We have been paying {$1400.00} since they told us we over paid ( about a year! ) Now we are footing the bill for the short escrow account and the taxes and home insurance they supposedly paid for us ( without notice our escrow was being over drawn ), which now we owe them back for. A whopping {$3800.00} if we can't do it in one lump sum, it equates to {$600.00} extra a month. I'm paying out the nose for their mistake. This is such an unprofessional practice and could easily force a family into forclosure for unprofessional practice. I work full time and am a student and either me or my wife ( who also works full time ) will now need to find a 2nd source of income.
Product: Credit card or prepaid card

I had a savings, checking, and visa card with Capital One. I charged several hundred dollars to the visa and made monthly payments, which included interest- on time. No annual fee, etc. My last payment was in XXXX for {$510.00} which included all interest and was paid on time. My balance showed XXXX. I checked my account on XXXX and it showed a balance of {$5.00}. I called - got someone out of the U.S. and they said it was interest that they had not posted before my last payment. I said I was not going to pay that. I closed my checking and savings accounts. I cut up my visa and mailed it to Capital one with a letter. Now my on line statement shows a late fee and interest on the interest for a total of {$10.00}.
Product: Debt collection

On XXXX, I received a text message from Sunrise Credit Services stating that I owe a XXXX {$100.00}. I believe it is still XXXX XXXX XXXX still trying to collect on a debt that I DO NOT OWE. They are the only ones who have my information and now they are using a different name to collect on this debt that I DO NOT OWE. I will take legal action against them if they don't STOP.
Product: Debt collection

" XXXX '' called regarding a " personal matter '' and asked for the last XXXX digits of my SSN. I refused to provide that information, and ask what the nature of the call was. She refused to tell me, and said " you must know '' or something to that effect. I told her I had no idea. I did know it is a debt collector, but I do not know for what debt. I would like to settle my debts, but I do not provide SSN information over the phone from people using their first names only and calling to discuss " a personal matter ''. 

She knew it was me because she must have caller ID and addressed me by name when I called. She refused to identify what the nature of the call was, which I did figure out. She refused to tell me anything without having the last XXXX digits of my SSN. She said something to the effect that " I should know what this is about ''. No, I can not read minds.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit, highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but have also repeat offenders to exploit the system. Leaving users, vulnerable, and scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute the inaccurate inquiries reporting on my credit file. Equifax did not properly investigate those inquiries and they remain on my credit file.
Product: Debt collection

This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail
Product: Checking or savings account

I spoke to Ally bank today stating that my account will be closed due to dispute transaction which they said that I falsely reported after my account being restricted due to XXXX transactions. I filed a dispute for a transaction that I did but never received the item. The representative that I spoke today said that I shouldn't be doing it since I made the transactions and deal with the merchant. He said that theres nothing ally can do with it. I told them that after talking to the merchant and the merchant is not willing to cooperate, the last thing to do is to report it yo the issuing bank which i did. I told them that I also receive a letter asking for information like when did i contact the merchant etc. they have been holding my paycheck and now since they are closing my account for a certain transaction that they misunderstood, i a bound to have no money until they resolve it which i don't know when.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceedingCFPB 's ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I NEVER AUTHORIZED AN INQUIRY WITH AMERICAN CREDIT ACCEPTANCE.
Product: Mortgage

My wife and I applied for a mortgage with XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. On XXXX XX/XX/XXXX XXXX sent an email stating that they could not approve me and my wife as borrower and co-borrower. We asked XXXX to check if it would be possible to approve me on my own. 

Since starting the above mentioned process, I have been waiting for the formal denial letter. I have asked for it several times but XXXX refuses to issue it. Stating that I have been conditionally approved on my own. I reminded XXXX that I only wished to know if it was possible to get approved on my own not commit to a new application. 

I have reminded XXXX that 1st application is independent of exploring the possibility of approval with me as the sole borrower. I have also cited CFR Title 12, Part 1002, which states that they have 30 days to issue that letter and XXXX still refuses to acknowledge my request.
Product: Credit reporting or other personal consumer reports

I was notified of credit score decrease for UNAUTHORIZED inquiries I was unaware of and should not be on my report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Inaccurate Reporting of Paid Accounts Dear CFPB, I am submitting a formal complaint against Experian Information Solutions , Inc., regarding the inaccurate handling and reporting of multiple paid accounts on my Experian credit report.Experians failure to reflect the accurate status of these accounts is a clear violation of the FairCredit Reporting Act ( FCRA ) and consistent with the issues outlined in the CFPBs recent complaint against Experian ( Case No. 8:25-cv-24 ). 
Accounts in Question 1. XXXX Account Number : XXXX Original Balance : {$7400.00} Status : Paid in full 2. XXXX  XXXX XXXX Account Number : XXXX Original Balance : {$0.00} Status : Paid in full 3. XXXX Account Number : XXXX Original Balance : {$39.00} Status : Paid in full 4. XXXX XXXX Account Number : XXXX Original Balance : {$14000.00} Status : Paid in full 5. XXXX XXXX XXXX Account Number : XXXX Original Balance : {$24000.00} Status : Paid in full 6. XXXX Account XXXX : XXXX Original Balance : {$200.00} Status : Paid in full 7. XXXX XXXX Account Number : XXXX Original Balance : {$27000.00} Status : Paid in full Issues Experian has inaccurately reported these accounts despite their fully paid status. This violates : 1. FCRA, 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.

2. The CFPBs findings that Experian fails to adequately investigate disputes or properly notify consumers of results ( 3349 and 6481 of the CFPB complaint ).
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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lossand I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered unauthorized inquiries on my credit reports from credit cards and banks XXXX  has 6 of them screening reports, XXXX, XXXX XXXX, XXXX   XXXX XXXX has 3 inquiries XXXX XXXX, XXXX  XXXX, and XXXX  XXXX, Experian has XXXX XXXX and XXXX XXXX. I have contacted each bureau and advised them of the note on my credit report and how it says to not run me if they haven't called and verified me and they say its nothing they can do about it. They are no help, I want these inquiries to stop and to be removed