23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TO SPECIALIZED LOAN SERVICING : THERE ARE NUMEROUS REQUESTS AND COMPLAINTS TRYING TO RESOLVE THIS ISSUE. THE RESPONSES ARE NOT TO THE EXACT REQUESTS AND APPEAR TO " DANCE AROUND '' THE ISSUES INSTEAD OF DIRECT ANSWERS. THE FIRST COPY OF THE " HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT '' YOU PROVIDED FOR THE FIRST TIME TO ME, XXXX XXXX IS AN ALLEGED DOCUMENT I WOULD NEVER AGREE TO. THIS WAS EXPLAINED TO YOU ... ... IT HAS TO DO WITH WHAT SPECIALIZED LOAN SERVICING HAS NOW IN THEIR POSSESSION FOR AUTHORITY TO COLLECT FOR THE XXXX XXXX XXXX XXXX XXXX. I INFORMED SLS OF ADDITIONAL DOCUMENTS WITH NO AUTHORITY AS WELL. I HAVE CONSISTENTLY REJECTED THIS COPY AS WELL AS REJECTED THE MOST RECENT VERSION SLS HAS PROVIDED WITH A BLANK ENDORSEMENT OF A XXXX XXXX XXXX. SLS HAS REFUSED TO DISCLOSE THE SOURCE AND TIME IT WAS ACQUIRED OR ANY DISCLOSURE RELATING TO THIS SECOND VERSION OF THE HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT. THIS IS OF GREAT CONCERN AS IT IS NOT WHAT I SIGNED AND IS LIKE A XXXX OF XXXX IF ACQUIRED BY ANY MEANS BY ANOTHER PARTY. ALL I HAVE ASKED IS FOR HELP TO FIND OUT WHERE THE PROBLEM STARTED AND WHERE YOU ACQUIRED THE SECOND RECENT VERSION OF HOME EQUITY LINE AND DISCLOSURE STATEMENT. YOU HAVE NEVER IN ALL THIS TIME INVESTIGATED OUR CLAIMS TO ASSIST US IN FINDING WHO HAS THE ORIGINAL COPY. YOUR CLAIMED RESPONSES ARE NOTHING NEW AND AVOID THE REAL REQUESTS THAT ARE AT ISSUE. SLS THROWS IN IDENTITY THEFT AND OTHER SILLY STUFF THAT DOES NOT ADDRESS OUR COMPLAINTS. THIS WHOLE LONG DRAWN OUT ORDEAL HAS AND IS CAUSING US MUCH DISTRESS AND EMOTIONAL TORMENT BECAUSE SLS REFUSES TO HELP AND CONTINUES TO AVOID DIRECT REQUEST ANSWERS AND FOR SOME REASON WILL NOT DISCLOSE INFORMATION ABOUT THE SOURCE OF THE SECOND ALLEGED LOAN DOCUMENT. WE SHOULD NOT BE MAKING PAYMENTS BECAUSE NOTHING SHOWS THE RIGHT TO COLLECT FOR XXXX XXXX XXXX XXXX XXXX. THE STRESS OF INVESTIGATING ON OUR OWN WITHOUT THE ANSWERS FROM SLS IS CAUSING MUCH ANXIETY AND EXTREME PRESSURE ON US. SLS ARE WITHHOLDING ANSWERS AND INFORMATION THAT COULD ASSIST US IN THIS SEARCH. SLS CONTINUES TO REQUEST INFORMATION AND DETAILS THEY ALREADY HAVE THAT HAVE NO BEARING ON THIS ISSUE
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Act violation XXXX XXXX XXXX U S DEPT OF EDXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Checking or savings account

I wrote some checks that I ordered from XXXX XXXX for my Wells Fargo checking account. The checks did clear and posted to my account. On XX/XX/year>, the checks disappeared from my bank statement and I called my bank which was Wells Fargo asking for help. The call center agent was very rude and unprofessional and not helpful at all. She was like, " You can't write checks with this checking account '' and refused to help me resolve the issue. I asked for a manager and the manager was also very rude and unprofessional with me on the phone and had an additude. Even the senior agent refused to transfer me to someone else who can help and was told the same thing again. I asked them again what I should or to walk me through getting a new checking account set up with this bank or walking me through the website or my account online to get my checking account updated so I can write checks. The agent and senior agent refused to, acting very rude and hostile with me on the phone and rushed me off the phone. I am in XXXX KY and the nearest Wells Fargo branch is in XXXX VA over XXXX miles away. This behavior from their call center agents is not okay and needs to stop. I am now going down the street to my local credit union to open a a checking account with them due to their disrespectul behavior with me on the phone. If I have a checking account, I should be able to order checks and write them. It should be illegal that you can open checking accounts where the bank won't allow you to order checks and process them for payments. Now I am out of money from XXXX XXXX since they won't give refunds.
Product: Debt collection

The collection agency of Frederick J. Hanna and Associates are currently garnishing my wages on a debt that I believe I do not owe. In 2015, the firm submitted a garnishment order to my employer without any contact with me. I have made numerous attempts to contact the firm and was only successful once. On that conversation I was told that by a representative that he could n't provide me any information. I am attempting to obtain any information on the debt but so far I have n't been able to. I have never been served with any documents regarding the debt. Have never had a day in court to question the debt. The first I heard of the debt was from my employer when the first garnishment started. It appears that this situation/garnishment could possibly continue for many years. I would greatly appreciate any help that you can provide.
Product: Credit card

On XX/XX/year> I paid {$5000.00} to XXXX XXXX XXXX to pay off our credit card. The funds were paid by electronic transfer from our XXXX account to PenFed Credit Union. The funds cleared our XXXX account on XX/XX/year>, XXXX XXXX XXXX acknowledged receipt of funds. They placed a 9 day hold on the {$5000.00}, are continuing to accrue interest, and we do not have access to the {$5000.00} they have. I asked for the Regulation supporting the legality of holding our funds for 9 days rather than applying them to our credit card balance, receiving interest income on our {$5000.00} for 9 days, continuing to charge us interest on the outstanding balance of our credit card for 9 days even though they have our {$5000.00}, and also not allowing us the use of our {$5000.00} for 9 days even though they have received the electronic transfer of funds from XXXX. Their response was that because the payment was significantly higher than the normal monthly payment that we had been making it was not consistent with our normal usage pattern and therefore resulted in the 9 day hold of funds. This can not be legal.
Product: Debt collection

My Landlord and a Maintenance man BOTH came to my door, and asked me if I would be interested in a XXXXXXXX XXXX XXXXXXXX deal. Meaning if I moved out by a certain day, they will erase the balance. I negotiated a couple extra days with them, and I moved out. They had me sign it right in front of them, and I did exactly as required. Months later, they sent my old home address a collections document that I then disputed, and it was removed immediately. But then that same amount was put back on my Credit Report maybe a month later. Ever since then, ive been disputing the account with XXXX who have " verified as accurate '' 4 times now.
Product: Credit card or prepaid card

We decided to stop using and close this Paypal Mastercard credit card because they made some changes to it and we didn't like the changes. Our last purchase using the card was around the middle of XX/XX/2022. I was waiting for the final payment date of XXXX XXXX, 2022 and then I was going to close the account. 
However, a fraudulent charge for {$59.00} was made on XXXX XXXX, 2022. I called ( they do not have an email, chat or other " papertrail '' type of service ) on XXXX XXXX, 2022 and disputed the charge. I then made full payment to them of the balance due minus the {$59.00} fraudulent charge. I kept checking on the website to verify the disputed charge and check on it. However, it still showed the {$59.00} charge and now it had late fees on top of that. I called again around the end of XX/XX/2022 and reiterated that I disputed the {$59.00} amount and how dare they charge me a late fee on top of that. I also made sure they should closed this account. They still show this {$59.00} fraudulent charge, the late fee and I'm sure they will start collections very soon.
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 protection financial act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaning my account vulnerable and unprotected. XXXX, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funding transfer act ( EFTA ) and regulation E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name as shown on my social security card and birth certificate, and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. EQUIFAX has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EQUIFAX which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As EQUIFAX would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EQUIFAX has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EQUIFAX has caused me. I have had enough of the abuse and unfair practices from EQUIFAX. Pursuant of 15 USC 1681b ( 2 ), I did not give EQUIFAX any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notification back from the bankruptcy courts that states they never provided my information to a third party reporting agency and under the Privacy Law of 1974, Under 15 USC 1681 a ( 2 ) ( A ) ( iii ) a consumer must be given a chance to direct weather information about a transaction should be reported, ( opt out law ) any authorization they believe they have they no longer have.Lexus nexus, XXXX XXXX, Equifax and XXXX has violated my right to privacy by furnishing private information without my written consent, I would like the unauthorized negative report to be removed in XXXX days with a copy of all XXXX reports showing the removal according to the law.
Product: Payday loan, title loan, or personal loan

Prosper does not offer any deferment options for actual life events. 

I recently experienced a death in my family and when i became apparent to me i would not be able to make a payment i called prosper to request a deferment l, i offered to send documents of funeral arrangements to prove i was not lying and my relationship to the deceased. 
Payment are due on the XXXX  of every month XXXX XXXX i was told to call back the day after the payment was due. To make a payment arrangements but nothing could be done ahead of time. 

XXXX The 2nd time I called exactly as i was told and they told me actually no such options are avaliable and a payment reduction isnt even an options til you are 15 days late.. 

Now i receive calls twice a day to remind me the payment that i am not able to make, is due. It is unbelievable that prosper chooses to ignore life events such as deaths in the family they are unplanned! As if I'm not grieving and dealing with enough. i can now look forward to their harassment about a situation i tried to address and avoid.. 

The representative are nice enough i understand it is company policy but to be so rigid is disheartening. Most lenders offer deferment options for situations like this, i have never missed a payment before and its a XXXX shame that this is the situation prosper has led us to due to inhuman " company policy ''.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an unsolicited Brink 's Money Prepaid Mastercard in the mail with instructions to call and activate now. I did not order this nor did I give permission for my information to be used to issue this card. I called the Ohio Attorney General 's Office and spoke to a representative reporting this, then I contacted and received my Annual Credit Report from XXXX, then I called the number on the card several times until I was able to speak to a representative. The first several calls asked for my card number and social security number before I could speak to someone. I finally waited without speaking until I got an agent. I cancelled the card, explained to them who I had complained to and to remove my personal information from their information bank as well as cancelling any card or account in my name. The operator said this was just an advertisement to get their information to consumers and I could cancel and conceal my information. I did so and then sent this message to the CFPB. I will gladly send any other complaints to any other agencies about this deceptive practice.
Product: Debt collection

I have received calls from this number since Thursday. They call everyday they dont leave messages
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I requested early withdrawal of XXXX from Axos Bank that bought out XXXX in XXXX in amount of {$45000.00}. I still have not received my money. The account balance shows XXXX. I requested the funds be deposited into my local checking account and was twice sent the wrong form for a wire transfer. In XXXX, 2022 I finally requested a cashiers check. I was told it was mailed to my XXXX XXXX address on XXXX XXXX. I have not received it. Today is XXXX XXXX and all the person on the phone would do was give me a case number and wouldn't transfer me to anyone else to discuss. I have seen numerous complaints online some the exact as mine. I am XXXX XXXX XXXX and never had these problems with managing my CD. Your assistance would be greatly appreciated. I feel like these are stall tactics and I want my money.
Product: Credit reporting or other personal consumer reports

This is my several 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date XXXX 2024. Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for understanding and your prompt action.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 no
t 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

I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
All data reported by consumer agencies must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The derogatory claims on my report do not meet legal reporting standards and should be validated with proper evidence. As per FCRA and XXXX XXXX compliance requirements, you are responsible for ensuring that all reported information is correct and legally permissible. If these accounts or inquiries can not be fully substantiated, they must be removed immediately to reflect an accurate credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied withthe FairCredit Reporting Act law and continued to report inaccurate information on mycredit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I the consumer sent Equifax Information Services, LLC a letter on XX/XX/2022 demanding deletions of alleged debts owed that were reported on my consumer report. I never gave any written instruction to Equifax giving consent to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ) .I demand Equifax Information Services , LLC provide proof of written instruction from myself the consumer instructing them to furnish a consumer report. These false and misleading practices used by XXXX to obtain my consumer information from various sources violates 15 USC 1692e ( 10 ). Equifax has committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and the use of deceptive means to collect my consumer information without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to furnish this information on. ( a copy of the consumer report with my ID, proof of address and SS card will be submitted with this complaint ). I have tried multiple times to get Equifax Information Services LLC to delete these alleged debts owed, late payments and collections acct reported on my consumer report. I have disputed Equifax Information Services LLC on XX/XX/2022 and XX/XX/2022 through the CFPB portal and now on XX/XX/2022 I sent a dispute letter. I suffered from obscene and profane language on my consumer report as well as alleged debts owed, late payments and collections. As a consumer I suffered from XXXX  and XXXX because I'm unable to obtain employment or credit and fell into financial hardship and have not been able to obtain insurance or housing. My family and I suffered from this abuse from Equifax. By Equifax obtaining my consumer information without any written consent and furnishing a consumer report And reported negative information of alleged debts owed, late payments, collection caused financial hardship for myself and family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ). XXXX knowingly and willfully obtained my consumer information under false pretenses from various sources without my consent to furnish a consumer report and service their customers. This violates my rights as a consumer according to 15 USC 1681q.

My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without consent and furnished a report anyway to make it available to service their customers such as creditors, employers, insurance companies, landlords etc. This violates 15 USC 1681 ( 4 ) my to respect and privacy as a consumer