23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had an account with Wells Fargo for many years. Since XXXX  I believe. But my father warned me that the banks were all predatory institutions. 

I tried to stand up for the banks against this allegation. I believe it a begins with the checking account, establishing a facade of trust. Then credit cards are advertised, even when reason stipulates that spending less than what one earns is the only foolproof way to produce wealth. 

Don't get me wrong -- I believe that owing to my XXXX XXXX I probably could run a highly ethical banking operation myself. But I have been unable to find a single existing bank that won't fall prey to the contra-moral trap of becoming predatory. And it all began with Wells Fargo. 

I am still waiting for my XXXX application to be approved through the social security administration. Frankly, if more people understood the severity of repercussions that come from trusting a bank like Wells Fargo, we could probably sue for a lot more power than what we have right now. Note I said power, not money. Because I am not greedy, just highly abused and super defensive. I only want to exercise power in order to threaten those that threaten me. To protect myself.
Product: Mortgage

I submitted/initiated a short sale with US Bank a HELOC that is in first position 28 days ago and there has yet to be any update or progress made. I call to check on the file at least once a week so there is no excuse that this file would be overlooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am real living human being, i have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1881 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX  account # XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX # XXXX
Product: Vehicle loan or lease

I financed a motorcycle with american cycle finace on XX/XX/XXXX and made payments until XX/XX/XXXX. At that time the vehicle was refinaced by XXXX XXXX XXXX XXXX. I just paid off the loan thru XXXX XXXX XXXX XXXX. but the original loan was paid off to american cycle finance XX/XX/XXXX I talked to both banks and XXXX XXXX never recieved title from amerincyce finace. XXXX XXXX  was never on the title of the loan. only myself and american cycle finance. I have been requesting the title from amaercan cycle finance for years with no efford for them top sent or replace it. Ther is an XXXX fee to aquire a title that i never had in my possesion. I request that amaerican cycle finace replace the title to the motor cycle or pay the fee to have it replaced. the motor cycle is a XXXX XXXX XXXX and i have attached payment history. I never ever had the title.. 

XXXX XXXX XXXX VIN : XXXX | Account # : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These actions have caused significant inconvenience and financial loss, and and I seek appropriate redress for these violations.
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 XXXX 2 Late Payment Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX 5 Late Payment Item disputed on XXXX Dept of EdXXXX XXXX XXXX XXXX  5 Late Payment Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX  ( XXXX ) 5 Late Payment Item disputed on XX/XX/2023 Dept of Ed/XXXX  ( XXXX ) 4 Late Payment Dept of Ed/XXXX ( XXXX ) 5 Late Payment Dept of Ed/Aidvantage ( XXXX ) 4 Late Payment Dept of EdXXXX XXXX XXXX ) 4 Late Payment XXXX XXXX ( XXXX ) 2 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) Collection XXXX XXXX XXXX XXXX ) 5 Late Payment Item disputed on XX/XX/2023 XXXX XXXX XXXX  XXXX ) 2 Late Payment XXXX XXXX  ( XXXX ) Charge Off Item disputed on XX/XX/2023 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 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 Chapters View
Product: Debt collection

I received a letter from XXXX XXXX XXXX regarding an old XXXX insurance policy. In reviewing the letter, I noticed the policy number was incorrect, cancel date was incorrect, along with the amount had increased by almost over 100 % ( XXXX ) while offering a settlement amount. Luckily, I hold on to documentation for 5-10 years. I retrieved my old XXXX policy information along with the initial XXXX XXXX XXXX letter they sent to me almost three years ago. With the balance being XXXX, due to me switching insurance companies mid-stream of the policy. The reason why I am reaching out to you instead of the company first, is based upon past negative experiences with debt collection companies. This maybe a mistake or even a typo. XXXX XXXX XXXX may have sent me the wrong information, I am not sure, but I will not be taking any chances. IF this was intentional and XXXX XXXX XXXX   attempted to knowingly collect money that is not owed, that is illegal and it violates the Fair Debt Collection Act. They Misrepresented the amount owed, the cancel date, and the account information for monetary gain. What If I didn't keep records of previous accounts, It would be my word against theirs. Attached are the documents to back up my dispute.
Product: Mortgage

I received notice that my loan was transferred to Freedom Mortgage Corporation from XXXX XXXX on XX/XX/2020. On my first mortgage statement I was charged a fee of {$120.00}. There was no explanation for the charge. The last statement from XXXX XXXX did not include this fee and my XXXX payment of {$2500.00} was processed by the previous loan servicer on XX/XX/2020. After waiting more than an hour for someone to take my call, I asked the Freedom Mortgage representative ( XXXX ) to remove the fee and he stated that the fee was from the previous servicer ( XXXX XXXX ) and could not be removed. I was told that there was no way to credit the fee because it was from the previous servicer and no further attempt was made to resolve the issue. When I asked to be transferred to a supervisor, the call was disconnected.
Product: Credit reporting or other personal consumer reports

Equifax had violated the FCRA Section 1681i They refused to provide me with any proof And they never do a reasonable investigation they credit bureau dont care about consumer!

They will respond to the cfpb cuz they have to responde to you bout just to make you feel they are doing there job bout they are not the will show proof that this unverified account still on my credit!

Bout they have response to you they are working on it bout they are not!

Just need this of my credit and nothing more.

They will tell consumer creditor has verified account bout is not true all dispute go to a eoscar system and the computer do everything automatically. That they do investigation is not true.
Product: Debt collection

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. CAVALRY PORTFOLIO SERVICE
Product: Credit reporting, credit repair services, or other personal consumer reports

i have addresses and names on my reports that are not mine
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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, 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 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Since the closing of my business, in 2009, which created for me much financial difficulty, I have been granted 2 separate loan modifications. First with XXXX which during this time became Ocwen. My first complaint would be the prolonging of the application process. The first took several months of a trial period payment which I paid on time each month but undenounced to me was reported as being 30 days late each month, making my once XXXX credit score to substantially lower, even though they assured me my credit would not be affected. In addition, before the first modification was granted my principal balance was {$150000.00}. and now after the second {$280000.00}. Understanding that I did not pay my mortgage periodically and that would of course be added in, and not being able to afford legal counsel, I never got straight answers or supplied factual documentation to answer my questions of how the figures added up, and then time would run out and I felt forced to sign or my house would be taken. I understand I am still in my house and I am grateful but I am upside down on my house and my credit is now damaged. After paying on my house for 15 years, I owe almost double of what I financed it for! How is this even legal, never mind fair! How is that helping??
Product: Bank account or service

For years we have used billpay to make a payment to Nevada State Bank without problems. In XXXX we received a notice stating no payment has been made. On XX/XX/2016 a payment was deducted from our account at a XXXX where my wife works. On XX/XX/2016, a past due statement arrived in the mail. XX/XX/2016, On a 3 way call with billpay and Zion, NSB 's parent company, My wife was told to stop pay and reissue another payment by a Zion rep named XXXX. XXXX reissued another check and sent a letter of good faith. On XX/XX/2016, per XXXX made a 3 way call to billpay and this time got XXXX. They finally received the first check which had a stop pay on it and told us we would be charged {$25.00} for non sufficient funds, 2nd check had still not arrived with no explanation as to why. XX/XX/2016, another 3 way call to XXXX who transferred to XXXX for removal of NSF. She agreed to remove it XXXX time for something called life of loan. XX/XX/2016, Another 3 way call to XXXX who verified payment was posted on XX/XX/2016 for XXXX payment with a late fee of {$16.00}. XX/XX/2016, billpay sent a check due for XX/XX/XXXX, XX/XX/2016, called billpay to confirm check was cashed, it was not, tried calling Zion 3 different times, hung up on 1st time, next 2 attempts phone was hung up immediately. Billpay rep can confirm this. As of XX/XX/2016, we are waiting on a call from billpay, they are attempting to resolve the issue. 
My wife asked if she should send a payment in 2 weeks before it 's due and was told that was not needed as they back date journal entries. 
We have worked hard to keep a good credit score and Nevada State Bank or Zion is not helping.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and as a result, my credit report contains multiple fraudulent items that I did not authorize or initiate. Specifically, there are 6 accounts and 20 inquiries that were added to my credit report without my knowledge or consent. 

Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ). I request that these fraudulent accounts and inquiries be removed from my credit report immediately to restore its accuracy.
Product: Money transfer, virtual currency, or money service

Complaint Against : Capital One Bank ( USA ), N.A. 
Category : Bank account or service XXXX  or money transfer issue Date of Incident XXXX XXXX XXXX XXXX  Amount Involved : {$1500.00} ( {$500.00} + {$1000.00} ) Complaint Details : On XXXX XXXX XXXX, I received two XXXX transactionsone for {$500.00} and another for $ 1,000from two different individuals into my Capital One account ( ending in 0598 ). Both senders confirmed that their transactions were successfully sent, yet Capital One has placed the funds under review, and they remain unavailable to me. The transaction status still shows as pending and not yet delivered, even though these are legitimate transfers. 

I urgently need access to these funds, yet Capital One refuses to release them immediately, stating that the review process could take 1-3 business days. I was not informed in advance that XXXX transactions would be held up in such a manner, nor has Capital One provided a specific reason for this delay. 

This delay is causing me significant financial hardship, as I rely on these funds for urgent expenses. Capital Ones handling of XXXX transactions appears to be an unfair banking practice that restricts timely access to customer funds without clear justification. If Capital One is unable to process XXXX transfers efficiently, they should not advertise or offer this service to customers.
Product: Checking or savings account

On or around XX/XX/XXXX, I opened up a checking account with First Commonwealth Bank. As part of opening the account, I was informed by email and in the terms and conditions that I would receive a {$200.00} bonus for completing 5 customer initiated transactions within 60 days. The terms further stated that the bonus would post within 60 days after the requirements were met. My records indicate that all the requirements were met on XX/XX/XXXX. XX/XX/XXXX is more than 60 days later. Contacting customer support only got me a message saying that it would post the next business day, but it never did.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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: Debt collection

Barclay 's 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: Credit reporting or other personal consumer reports

FCRA section 605B says it's illegal to report anything on my credit report without my permission. This credit is in dispute and is not removed within the four days of notice.
Product: Debt collection

I am getting automated calls from Portfolio Recovery XXXX and XXXX. XXXX says press XXXX to except call or XXXX to leave a message. I have no idea why I 'm getting these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX//2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, XXXX, and Equifax to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : 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: Credit reporting

My mortgage was with XXXX XXXX and was transferred to XXXX XXXX XXXX 2016. XXXX mortgages are showing on my XXXX credit bureau reports with the full amount. This doubles the mortgage amount I owe and I 'm being denied credit due to excessive obligations in ratio to income.
Product: Mortgage

I completed XXXX XXXX period for modification on the property I assumed from my XXXX XXXXr XXXX XXXX XXXX. I made all the payments on time. I received the permanent modification and completed all the information required. Bank of America denied the packet stating it was received 2 days late. I explained to them the we live in a rural town and fed-ex only comes 1 per day. We were experiencing bad weather which caused a delay in pick up. They denied the permanent modification and placed my home back in foreclosure. I am asking for mercy to accept the packet so I can move forward to rebuild my life after loosing my father.