23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In the month of XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about why my insurance had increased. It was explained to me due to a ticket I received for speeding, driving XXXX in a XXXX XXXX zone caused my insurance to increase. The representative explained to me that when you pay for ticket and complete driving school my account will be adjusted. I was informed to contact XXXX back when ticket is resolved and request adjustment to payment. In XX/XX/XXXX, I completed driving school and requested to the court to remove point off my record, which the court did. I contacted XXXX back as told, the representative asked that I send over proof of completion so that she can send to underwriters to request an adjustment in payments. I was informed the payment could not be adjusted until the following year. I initially called XXXX because my payments had increased to an amount I could barely afford to pay and to be told it wouldnt be adjusted. Therefore from XX/XX/XXXX til XX/XX/XXXX I was paying a payment that was inaccurate. I was paying as though I still had a point against my record when it was removed by the courts in XX/XX/XXXX. XXXX reported to the XXXX that I was aware of the increase and I renewed my coverage. This is not true I was on Automatic Renewal and coverage renewed each year automatically. Is it fraud for XXXX to insist that I make payments on the coverage when it was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.C1692C At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Product: Debt collection

I noticed a collection being reported on my consumer report by this company with account number being XXXX. However I have never received an initial communication from this company at all which violates both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In order to furnish information on a consumer report, a debt collector must first have verifiable information and they must verify this information with the consumer to whom it relates by first providing an initial communication or else they would violate the FDCPA. I however did NOT receive such notice making this information unverifiable and the furnishing of this information unjustifiable. I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
Product: Checking or savings account

I made a transfer in of {$100.00} on Wednesday, XX/XX/2023 from my banking institution to Square ( Squareup.com ). I tried to use my card to purchase food at fast-food location and it was declined ; upon using my Squareup banking card. I checked the funds in the account and as of today, XX/XX/2023, I have a total of {$100.00} and the purchase was just over {$25.00}. Upon contacting the company, the first attempt, the representative stated she would have more info in 24 hours as to why my debit card wouldn't work. Later this evening, I then received an email stating that my funds will be held for 90 days. Around XXXX XXXX  I called and spoke with another representative and she said there was fraudulent activity on my account but couldn't explain to me what a fraudulent charge on my account was or is. There are a total of TWO transactions on this account in total and she couldn't explain. Therefore, my funds are being illegally with held as the company can not provide proof to their claim of fraudulent charges. Why are they being allowed to hold money from people just because they want to? This is illegal and I will make sure to share my experience with everyone so this will not happen to them. Also, I have the recorded audio from their representative not being able to give a reasonable explanation. I will be sure to share it on social media as well as XXXX.
Product: Consumer Loan

My vehicle was financed through Volvo Car Finance. I made my payments for several years through their website, Volvocarfinance.com. The website was shutdown. I have not received any communications whatsoever and did not know where to make my payments. I called Volvo Finance and they had no record of my account. After two full days of phone calls and research, I found that my vehicle was actually financed through XXXX. I was then able to make a payment through their phone line. I made my last payment in XXXX and found that I have {$3600.00} remaining. This is for interest due to a period of time when I was late making payments due to hardship. I called yesterday to question this and was told when I was late making my payment, the payment went to interest only and no principle. I was also told I will be charged XXXX per day until this amount is paid off. The gentleman I spoke with was extremely rude. My car was financed for 7 years at {$750.00} per month which was XXXX on my part. I am upset because I was not told when getting extensions, late paying, etc., that I was not paying any principle. I always paid amount due when making payments. If, I had known their practices, I would have tried to pay a little extra every month to cover amount added to my loan. I really do feel like I was deceived. This company has not contacted me at all ... Not through the mail, email, or phone calls. I have tracked them down. I asked the gentleman yesterday to send me a statement and an amortization schedule. I do not even know where to send a payment. The automated phone system is for monthly payments and tells me there is no amount due. The amount of {$3600.00} seems excessive to me for being late on some payments. I was also deceived by not knowing what company my vehicle was financed through. Although, there was a period of time during the 7 year loan I was late paying, I got through that time and have been making regular payments, and paid the car off on time.
Product: Mortgage

I am once again filing a complaint against Wells Fargo, regarding the Settlement with CFPB from XX/XX/XXXX. 
I believe I should be a party to this settlement. I have documentation showing that Wells Fargo purposely withheld vital information on a modification to my mortgage in XXXX. By withholding this information, they misled me on the potential terms for the final modification. Additionally, there was no information provided as to potential consequences to starting the trial modification process. The organization took advantage of a borrower in a dire financial situation. They are denning that I should receive any portion of the settlement. They are refusing to accept the documents that I have repeatedly submitted, as to proof that they misled and withheld information. They keep saying I don't fall into their guidelines Yet, they refuse to provide their guidelines, stating that the information is proprietary. 
So I am asking CFPB to get involved. WF is playing their same crooked games as they have been charged with by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I purchased a {$1000.00} money order from USPS. I did not need it so I deposited into my CHASE account VIA ATM machine. On XXXX it cleared ( or so I  thought ) and for the entire day my account was in positive status. At XXXX I get an email stating my account was - {$270.00}. They wiped out all of my money in my account. When I contacted them they said it wasn't THEIR fault, it was the fault of the USPS, that REFUSED payment. When I called USPS they informed me that the money order was NEVER presented for payment, and wherever it is its still a viable MO. My theory is that CHASE presented the MO with the wrong serial number or did something in ERROR and I am paying for it as the customer. They are closing my account, and USPS has told me that since they wont give the MO back ( only provides a legal copy ) they would have to do a 60 day inquiry in order to see why this happened before refunding my money. I have been to CHASE branches, where the employees are more than helpful, but cant do anything because " the return process has started. '' I am in a hellish nightmare, cant eat cant sleep had to stop my direct deposit, borrow money, and even facing eviction, and can't believe this is happening to me. The worse part is them saying USPS refused payment.I feel I was profiled for depositing the MO in the ATM. CHASE felt that a XXXX year old grandmother with the zip code in an urban area shouldn't have {$1000.00} and something must be fishy, so just give it back. They won't admit they're wrong, won't help me, has spoken to me horribly on the phone, BRANDED ME A CRIMINAL, all this while me and my family suffer. I am BEYOND devastated by this. Even the employees I have spoken to by going to the branches have tried their best to help me by scanning their fraud department my receipts making calls to help and they are turned away. THEY have even said THIS IS WRONG. I am at my wits end with this institution unwilling to admit their mistake and PROFILING me ... PLEASE HELP ME
Product: Mortgage

Complaint against BMO Harris Bank I have a property Florida has gone through foreclosure. During the first foreclosure I paid the reinstatement fee of what they requested in the time they requested. This was in XXXX of XXXX. It was right about {$24000.00}. This also had about {$5000.00} legal fee. We were supposed to get a reinspection in XXXX. We ordered that from the bank. Then they sent out the wrong insurance company. Then they had to send out another insurance company in XX/XX/XXXX. We then had to hire an engineer and that cost {$3000.00}. I had to pay for that out of my pocket. This was because a tree fell on the house. The bank still has part of the money from the insurance. They won't pay that out now. I missed a few payments on the house and I found out they were doing a foreclosure again. I called them to see how much I needed to pay to get it out of foreclosure. They came out in XX/XX/XXXX and tried to changed the change the locks but my neighbor stopped them because the house was occupied. I contacted them and told them I would pay the back payments to get the home out of foreclose. They tried to charge me another {$5000.00} fee against. I told them I didn't thing that was fair since I paid the fees last time. They then said I didn't pay the taxes but I did. I agreed to pay the back payments I owed. They said they had the right to charge the legal fees. I asked them how could they do that since I could not live in the house since I was getting it fixed due to the tree damage and they are still holding the insurance money. Then they said there was something wrong with the title and that would be another {$2000.00}. I have had this house since XXXX and there has never been a problem with the title. I am the contractor right now and I am paying other contractors to help me to fix the house from the tree falling on it. So all my tools and everything are in the house. They came back in XX/XX/XXXX and broke into the house and changed all the locks. They were not supposed to do that and I advised their attorney that they was wrong. Their attorney said he would check with the bank to see why that happened. The address of the house is XXXX XXXX XXXX XXXX XXXX, FL XXXX. 


this complaint was filed and closed but the bank agreed to resovle and remove service fees and legal fees but to date they have not made the adjustments to the acount. i have made calls and left voicemails and no response.
Product: Credit reporting or other personal consumer reports

unauthorized inquiry for an auto loan. I had a preapprove letter and the XXXX XXXX salesman was to tell me what my monthly payments would be. When he did, I told him now that payments would be too high, and I left. I did not authorize him to do a credit run. All of a sudden after I left, I started getting XXXXXXXX XXXX  texts. there were XXXX Hard inquiries. that's not fair. I did go to a different XXXX place in XXXX XXXX, and I did buy a car there and decided to use a credit union XXXX XXXX. My credit report was run but it had XXXX Hard inquiries. I can understand maybe XXXX hard inquiries but not XXXX.
Product: Credit card or prepaid card

My XXXX XXXX  XXXX  accounts were transferred to citizens and it doesnt make sense today in the mail I received XXXX of the same cards wi to different limits when they look the same with XXXX  I had both were different XXXX and rewards were different why wouldnt they keep it the same or send me XXXX different card types why the same
Product: Vehicle loan or lease

A request for a lien release was faxed into Capital One at the number they supplied, XXXX on XXXX XXXX of 2017. According to their website XXXX XXXX XXXX XXXX XXXX XXXX, the release should have been sent within 2 business days. Around XX/XX/XXXX I called to check the status, the representative stated that the release had been mailed on XX/XX/XXXX or XX/XX/XXXX. Around XX/XX/XXXX I called again to check the status and was told it would take up to 30 days for the request to be processed and the release to be mailed.
On XX/XX/XXXX I called again to check the status having now received multiple stories. A supervisor stated that this loan was under a different set of rules than what is published by Capitol One and that the 30 day window was correct, though I can not find it anywhere. Capitol One now states that XX/XX/XXXX they received a fax ( possibly from XXXX who had previously held the loan ) and that the release had been shipped out on XX/XX/XXXX, though as of XX/XX/XXXX no letter has yet arrived. As it stands, Capitol One has agreed to XXXX the release which should arrive no later than Monday, at this point I 'm not hopeful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to Experian, XXXX and XXXX credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it may represent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. 

XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX  XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXXXXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit and Reporting Act, XXXX XXXX XXXX has violated my rights. Under 15 USC Code 1681, Section 602 says I have the right to privacy, 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, 15 USC 1681 Section 604A Sec 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timley 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek the appropriate justice