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

I made a online Macy 's purchase on XX/XX/2022 Total {$910.00} Order # XXXX 2 items ( XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Comforter and Light Weight ). Macy 's claimed they delivered, but I never receive the 2 comforters. They refuse the refund and charge these items any way.
Product: Debt collection

I filed a complaint against XXXX XXXX XXXX aka Transworld Systems Inc, in XXXX for harassment and threats when they were dealing with my husband 's Military Star account. They answered the complaint and said that they received the cease and desist call request but DID NOT address the harassment or threats.They did state that the accounts listed would be placed in a manger 's queue. At the time there were 2 accounts. There has been little to no communication with them since this complaint was filed. 
His payments were deducted from his military retirement pay and tax garnishments. Mine were made through tax garnishments as well. 
Both XXXX cards are now paid in full as of XX/XX/XXXX, but I also had a XXXX  XXXX  XXXX card, which had been current before the garnishment, but is now included in the garnishment, without any other resolution or communication having been attempted by them. I even had to contact XXXX to handle a small remaining balance on my husband 's account that would have been left over due to the garnishment allotment being stopped by XXXX, since I could not get any assistance from TSI. XXXX wound up taking it off his account. 
We did start receiving bills from XXXX collection aka TSI in XXXX but due to the communication block on the part of Transworld, I was not able to make any payment arrangements on my XXXX XXXX XXXX card, in order to avoid another garnishment. I have made several attempts to talk to someone from the company over the years, with the most recent being XX/XX/XXXX, to XXXX XXXX. My calls were not returned, nor has anyone ever sent information about garnishing my current years tax return for the XXXX XXXX XXXX payment but Treasury offset has a pending collection from XXXX. I have contacted XXXX and asked them for help with this matter but they refer me to TSI.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Please send me proof the I requested the alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a Wells Fargo Autograph credit card ( account number is XXXX XXXX XXXX XXXX ). After the close of the previous statement ( XX/XX/XXXX ), I had a statement balance of {$3100.00}. I made payments to bring the account balance to {$0.00} prior to the close of the most recent statement date ( XX/XX/XXXX ). Wells Fargo never reported to XXXX after the XX/XX/XXXX statement that the account balance is now {$0.00}, so my XXXX credit report continued to show a balance of {$3100.00}. I submit a dispute on the noted Wells Fargo account through XXXX on XX/XX/XXXX. XXXX contacted Wells Fargo referencing the dispute, and Wells Fargo responded saying that i still have an account balance of {$3100.00}, which is incorrect. 

As a result of Wells Fargo incorrectly reporting my account balance to XXXX two separate times, i am submitting this complaint regarding my Wells Fargo Autograph credit card account.
Product: Mortgage

I am submitting this complaint as a follow-up to my previous complaints ( Reference Number : XXXX & XXXX ), regarding issues with the origination and handling of my FHA loan. While reviewing my loan process, I have identified an additional significant issue that I did not include in my initial complaint ( s ) : the omission of the HUD/VA Addendum to the Uniform Residential Loan Application ( Form 92900-A ) prior to my loan closing.

Details of the Issue : I was not provided with the HUD Addendum, which is required to be signed prior to closing under FHA guidelines, until five days after closing.

The HUD Addendum is a critical document that certifies compliance with FHA loan regulations and ensures borrower protections. Without it, I was unable to fully understand or acknowledge the terms of my FHA loan at the time of closing.

This omission demonstrates non-compliance with FHA requirements and raises concerns about the integrity of the loan process.

How This Affects Me : This failure to provide the HUD Addendum in a timely manner : Compromised my ability to make informed decisions during the loan process.

Reflects a broader pattern of non-compliance and mismanagement by the lender, as outlined in my prior complaints.

Could expose my loan to potential future risks, such as issues with FHA insurance or resale complications.

Resolution Sought : I request that the CFPB : Investigate the lenders failure to provide the HUD Addendum prior to closing as required by FHA guidelines.

Review the lenders overall compliance with FHA regulations in my loan process.

Require the lender to address any harm caused by their actions and take corrective measures to prevent similar issues for other borrowers.

I am attaching the HUD Addendum and proof to support my claim. Please let me know if additional information is required to process this complaint. 

The previous response from the company insinuated that I was not encouraged to close on the loan without the receipts. When I asked about the receipts before signing, both XXXX and XXXX collectively said, ask the sellers about it after you sign, they'll be in the other room. Given that the HUD document was left out raises red flags and looks more like the goal was to get me to sign without the repairs ( required by FHA standards ) and misrepresent the process and requirements, so that they could close the loan and get paid as soon as possible. 

Also I have proof that XXXX immediately recommended XXXX on the same day I first spoke to her regarding my search ( XX/XX/year> ). I did not ask or request a realtor, she asked me and sent me XXXX 's information. This further proves the company is not being truthful.
Product: Checking or savings account

First Horizon Bank Claim XXXX  XXXX XX/XX/XXXX, I ordered a vehicle to rent from XXXX. The vehicle was not available. At the time, I asked that the monies that XXXX had ALREADY debited be forwarded to the next vehicle. The next vehicle was LESS than the amount of the first vehicle and XXXX never refunded me. I made this claim to First Horizon. The claim stated that I did not receive a refund from the company when they didnt provide the car because it was unavailable. First Horizon gave a temporary reinstatement of the funds and then, later, upheld the XXXX 's falsehood. They referenced another date and vehicle, not the one in questions. This is a quote from the email exchange with First Horizon : The car that I received was not at the same rate. They applied XXXX. So I was due a refund. I did not receive the XXXX because it was never available to me and they knew it. Even the owner of that vehicle was frustrated with XXXX because they had not taken his car off the app following damages that THEY WERE SUPPOSED TO PAY. Instead of a XXXX XXXX I got a XXXX XXXX. Do you think those were the same rates? 
I PAID FOR THE CAR I WAS IN AND IF YOU LOOK AT THE DATES AND THE WITHDRAWALS YOU COULD SEE THAT. 
I paid for XXXX cars - one which did not get used because the company should not have had it on the site. 
I sent the pictures. 
XX/XX/XXXX PURCHASE - XXXX XXXX XXXX XXXX XXXX DATE XXXX # XXXX XXXX {$260.00} XXXX Do you see a refund applied to my account for this purchase? 

NO YOU DO NOT. 
I did in fact attempt to rent another vehicle the following week through XXXX because I didnt not realize that his car WASNT EVEN SUPPOSED TO BE ON THE APP. They did put me into another car that time for the same price. 
As I stated previously, Im NOT disputing that transaction. I told you that Id made an error the first time but you apparently didnt read the message with comprehension. 

I am going to get my attorney on this and Im going to report it to the feds for bank reg e violations. 

XXXX XXXX Now, First Horizon has stated that I owe them the monies and I constantly receive collections calls from them.
Product: Money transfer, virtual currency, or money service

Monday, XXXX. 
I got a text which I did not understand and an email saying that someone attempted to access my account. 
Case # XXXX - Compromised account created by Coinbase. 
Until now, no response.
Product: Bank account or service

Please take cooperation that telling XXXX. Senators that I was not happy with US Bank which they turned me down as they refused to offer me in reward {$120.00} for new bank account at XXXX XXXX. US Bank does not like me to get reward {$120.00} as they do not like and do not welcome in their XXXX XXXX XXXX XXXX. Male Employees do not like my appearances as they said me that I was too ugliest and dumbest gentleman who wrote my complaints to Consumer Finance report so please forward to XXXX. Senators at emergency orders! Tell XXXX. Senators that I do not fit in Oregon resident noted to Male Attorney at immediate action! Tell ME from Male XXXX Attorney in confrontation person XXXX not phone ) at requests. Thank you for not appreciated with XXXX Bank and U.S. Bank turned me down in their discrimination addresses messages to Male Attorney. Thank you for not appreciated with XXXX Bank and US Bank noted to XXXX. Senators in serious charging matters! Please follow up release to Male XXXX Attorney appoints me with male attorney through court requests.
Product: Vehicle loan or lease

AMERICAN CREDIT ACCEPTANCE IS IN VIOLATION OF MULTIPLE FDCPA LAWS! On XX/XX/XXXX of 2020, I was violated multiple times at XXXX XXXX XXXX in XXXX, XXXX by American Credit Acceptance. I have mailed this affidavit of truth and invoice to american credit acceptance but have not gotten any reponse and i am owed compensation for them violating the laws. I am attaching a affidavit of truth, Files pertaining to the Exhibits on the Affiavit of truth, ID, And proof of adress/identity.
Product: Debt collection

Starting in  XXXX  o f 2016 i  started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. this is NOT RIGHT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically, Block Inc failed to take timely and effective measures to prevent and address fraud on their platform. This left my account vulnerable and unprotected. Their dispute resolution was unfair and deceptive. They did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. This action has caused significant inconvenience. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints to all three credit bureaus, the CFPB, the BBB of Michigan and the original creditor in regards to an ongoing dispute. Please see complaint below : I originally purchased a vehicle for a 12-month lease on XX/XX/XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$900.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XX/XX/XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XX/XX/XXXX ( I had purchased another vehicle several days prior ) I was also informed at the dealership upon returning, that if there were any additional fees that were not covered by my initial down payment that I would be billed. 
1 year later, I checked my credit report and the finance company, XXXX XXXX XXXX has recorded a charge off amount of $ XXXXwith a monthly payment of {$78.00} on my on all three credit files ( XXXX , Equifax , XXXX ). 
My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XX/XX/XXXX, this company was paid a total of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX. This vehicle was returned on time with no additional monies owed. In addition, per the lease agreement ( see attached ), the total payments paid at the end of the lease was to be {$4800.00}. Therefore, this lease agreement has been paid in full per the documentation provided. 
Furthermore, I contacted the company in XX/XX/XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. I am requesting VALIDATION of this account. This means that the creditor is to send me a complete payment history to show that a payment is actually owed. 
I have sent complaints to all three credit bureaus, the Consumer Financial Protection Bureau, and the creditor with on success. Please look into this matter and verify the account as being falsely reported. 

In addition, I have only received handwritten/typed account information stating what is owed. This is not proper VALIDATION, as this information can be from any one of their current or previous customer 's information. XXXX XXXX as also sent back dated emails with previous amount owed. See all attached documents. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

I received multiple phone calls and one voicemail message at the end of XX/XX/XXXX from a " company '' called Vanguard Financial Services saying that I had an unpaid medical balance from a doctor 's appointment in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX office in XXXX, West Virginia. When Vanguard Financial Services is searched on XXXX it says they are based out of XXXX, West Virginia ( with a phone number of XXXX ). 

I did go to see a primary care physician at XXXX XXXX XXXX XXXX XXXX in XXXX so I thought the phone call was legitimate but felt uneasy about giving Vanguard Financial Services my debit card information. After giving Vanguard Financial Services my debit card information I contacted the XXXX XXXX XXXX XXXX XXXX billing department via telephone. They confirmed that I did not owe them any money from my doctor 's appointments. Thankfully, I also contacted my bank, XXXXXXXX XXXX, and told them the situation, and they deactivated my debit card before Vanguard Financial Services could charge my card the amount they said was needed to clear the fake balance. This was a fraud attempt by Vanguard Financial Services and it resulted in me having to get a new debit card issued from XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the FTC and filed a police report for the unknown collection account XXXX XXXX XXXX XXXX  XXXX and the unauthorized inquiries. It has been almost XXXX months and the unknown collection account and the unauthorized inquiries remain at large on my credit. I am requesting the CFPB help to facilitate the matter. The bureaus have ignored me. I have also spoke with a XXXX XXXX Attorney. He told me to follow up with his firm after the results from this complaint.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Act Name : XXXX XXXXXXXX Act Name : XXXX XXXXXXXX Act Name : XXXX, XXXX 15 USC 1681 section 602 A, States 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. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded
Product: Debt collection

I received a notice in the mail from a company called Credence who is a debt collector claiming that I owe XXXX XXXX XXXX XXXX {$180.00} WHAT?? I don't owe anything. I contacted this company in an attempt to straighten it out, they wanted my to give them personal information. I don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and wells fargo sent the ftc and affidavit to them with no results
Product: Mortgage

We were contacted by US Bank via mail to let us know that we were eligible to have PMI removed from our loan account. We were told that if we paid {$100.00} they would send someone to do a home value assessment and that this was only a formality and we were at a 78 % LTV ratio. We went through the process only to find that this was not the case. The home was valued at $ XXXX exactly! which represents a {$3000.00} loss over a period of 6 years despite over $ 15k in home improvements, and put our LTV at 80.03 %. Just enough to refuse removal of PMI.This valuation is inconsistent with other recent valuations in our development. On further investigation at US Bank I uncovered that 80 % of these requests are rejected, according to employee XXXX. It is my belief that US bank is complicit in creating a false situation in order to either provide business for the company XXXX XXXX a XXXX XXXX company or they are attempting to " cover their bases '' in order to manage the risk on these loans in order to keep them packaged within higher grade traunches reducing risk structure for the bank.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Unauthorized Hard Inquiries on Equifax Credit Report FCRA Violation Complainant Information : Full Name : XXXX XXXX XXXX Complaint Summary : I am filing this complaint against Equifax Information Services LLC for failing to remove unauthorized hard inquiries from my credit report, despite my formal dispute. I did not authorize these inquiries, and I suspect they may be a result of fraudulent activity or unauthorized access to my personal information. 

As a victim of the Equifax Data Breach, my personal data was compromised, making it highly probable that these inquiries stem from identity theft. I have formally disputed these inquiries under the Fair Credit Reporting Act ( FCRA ) XXXX, which requires Equifax to investigate and remove unverifiable information within XXXX days. However, Equifax has failed to provide any proof that I consented to these inquiries. 

Disputed Hard Inquiries : Company Name Inquiry Date ( XXXX ) XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX These unauthorized inquiries are negatively affecting my credit score and ability to access financial opportunities. Under 15 U.S. Code XXXXb, hard inquiries can only be made with my explicit written authorization. Since Equifax has failed to provide such documentation, these inquiries must be deleted immediately. 

I respectfully request that the CFPB hold Equifax accountable for failing to uphold its legal obligations under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX