23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts with XXXX XXXX. 100 % pay history. I was wrongfully terminated which unemployment found to be in my favor. The day I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the XXXX XXXX I asked to not be reported and I was protecting my pay history. The agent said no problem. 3 separate payments on 3 separate accounts was to get me into the new year. with full access to all accounts. First payment in XXXX XXXX XXXX XXXX minimum payments to get me through until my unemployment was approved. I am still waiting on Social Security determination. I receive my first unemployment this week sometime beginning XX/XX/22. since. I made first 2 agreed payments a 2 week early last payment was to be 5 days early. That's when I checked my XXXX report and my credit score dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set one up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next day first payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was 5 days before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but XXXX of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been bullied and left destitute after pleading for hours over conditions that are out of my control. ach merchants have a access number to my accounts that I nor XXXX XXXX have access to. Which means I don't have full control over my account Neither does XXXX XXXX That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from XXXX XXXX they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over 100 hrs of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
Product: Debt collection

I have sent multiple certified letters to resurgent capital aka lvnv asking for verification of this debt on multiple accounts which they failed to provide lvnv owns this debt not me they purchased the debt from the original creditor and I have no contract with them for the money they claim I owe them..
Product: Credit card or prepaid card

When I went to make my monthly payment it shows no available credit and the full balance due. I have not been contacted at all and have tried contacting via email and no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The company Portfolio Recovery Associates, LLC says that they brought my account from XXXX XXXX in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for dentures that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the XXXX XXXX credit card that I used to purchase the dentures and XXXX refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.
Product: Money transfer, virtual currency, or money service

This complaint is for Cashapp. They never try to assist me in any issues I faced. I even had a rep to hang up on me numerous times, close my chat, or give me automated responses that didnt help me at all. My cashapp card is unsafe and many fraudulent things can, have, and will continue to occur continuously. When I experience mishaps their customer service is practically non existent. This has to be with repercussion. Things like this are not fair to me, I struggle everyday and this has been an added burden to face. This is clearly a violation, Particularly of the consumer financial protection act ( CFPA ).
Product: Credit reporting or other personal consumer reports

All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more
Product: Checking or savings account

I deposited my XXXX XXXX aid return into the banks 's XXXX hour ATM on XX/XX/year>. This caused my account to be locked due to " fraudulent and suspicious activity '' and I wasn't able to access my account until XX/XX/year>. When I did access I wasn't able to access my checking account. I called the customer service and they had me on hold and hung up on me. When I called again they told me that I won't be able to access my check until XX/XX/year>. Usually it takes the next business day for checks to be deposited. This is also the second time they had blocked my account when I deposited a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian never preformed a proper investigation according to the FCRA with XXXX account XXXX. The term investigate consumer report means a consumer report or portion thereof in which information on a customer character, general reputation, reputation personal characteristic or mode of living is obtained through personal interviews with neighbors, friends or associated of the consumer report on or with whom he is a acquaintance or whom my have knowledge concerning any such item of information. Experian did not do this. This is grounds for deleting this account. Experian violate the law because according to 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I did not give Experian or anyone written instructions to furnish my personal information or this account.
Product: Credit card or prepaid card

The original message to the credit card company where I have a detailed explanation of the problem. 

Hello, I will give information about this dispute since it seems that the main problem is not being understood. I bought a freezing machine from XXXX which is supposed to freeze LCD screens in order to separate them from their glue. Since the day we got it the machine was not working properly, it shut off after a minute. We contacted the seller trough email ( Ive attached all the emails as well ). So that they knew about the problem. In the following days they had us troubleshoot the machine, they even sent us a replacement part to swap and see if that worked. We tried to the best of our intentions to keep the machine if it worked even knowing that it came damaged, but only if it got fixed. They dragged the situation longer and longer until we decided to file the dispute since the troubleshooting had gone for almost a month. I believe we were deceived into thinking that the problem was simple and that we could fix the machine here in the U.S, because shipping it back costs around {$500.00} ( we have shipped the machine back, Ive attached a XXXX  tracking number and proof of return ). 
Please be considerate and read all the emails and take note of the time frames, we had the best intentions to keep the machine and use it, but I believe that the seller intentionally dragged the situation for a long period of time making us believe that we could have fixed the machine. The machine never worked! Since day one. I think is unfair for us as business and me as your customer to have this dispute dragging for such a long time and without you guys requesting information that is crucial for a decision, I have proof of 1.of us returning the machine back to the seller. 2. Our intentions to keep the product. 3. The seller replying to our messages and guiding us to fix the machine ( if it ever was fixable ). 4. The machine not working.
Product: Checking or savings account

Goldman Sachs Closed my account for not apparent reason, i had called to verify my account information for them now keep in and have done nothing illegal have my account closed. I have been a account holder since XXXX of 2021!! I rarely ever used my account and i have some updated credentials such as a XXXX doing business as name or assumed name. I always have kept account in good standing. 


I really did'nt remember my information and as i have said before i rarely used this account so it's been awhile for me to remember my information ( still not illegal ). So i contact Goldman Sachs to verify my account. When i finally did i logged in my account and checked my balances. today at XXXX. i was put on hold for XXXX min and transfered to their security dept I spoke with XXXX and she said she had to close my account i asked her why and she told me she coud'nt disclose that information to me. 



I just find it supecious that they closed my account after me being an account holder for over XXXX years. and when i coun'nt remeber my information they closed my account.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( virtual assistance services ) since XXXX 2021. My paypal account XXXX has stucked funds in it that I have to withdraw, also i still have incoming payments from my customer for the services i rendered for this month. And I am hoping that I will get back my account and able to withdraw my funds, as well as use it yo receive payments again. Thank you and Godbless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.
Product: Credit card or prepaid card

This dispute has been going on for almost 2 months originally filed with CHASE XX/XX/19. I have spoken to XXXX who is the vendor for the charge and they stated they did not charge me, and I have confirmation of this on XX/XX/19. I have physically sent Chase explanations and correspondence emails from XXXX confirming they did not charge me. I have provided documentation online on the CASE .Com website as well as several calls to both BOTH Chase and XXXX . I have called and spoke to several reps on several occasions to complete any additional questions they had, and mailed in the information. They have closed and reopened new disputes and have again closed the dispute. I do not have anything to show or ah confirmation of this charge, and neither does the merchant XXXX from this charge other than the hassle of having to contact you to clear it. I have been a Chase customer for over 18 years and this is totally unacceptable to be charged {$420.00} and they are not resolving it.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 there was 8 transactions that was return in fund XXXX claimed in the receipts. Getting ready to pay team instead of trying doing a new claim that is how to put a XX/XX/XXXX on my transactions which calls me not to be eligible which they do what it was doing they sabotaged my chance and get a provisional credit knowing that I was well enough eligible to be credit.I called time about this XXXX which they knew they made I called and called they hung up in my face said it was something that he can do about it and I would like how King y'all say that when y'all the one that forcefully put my charges on the old claim that was totally different XX/XX/XXXX which was a Friday I called it's supposed to representative they corrected the issue in the dispute team department and told me that I would get a email and a provisional credit on the XXXX which is XXXXi call again on the XXXX to VERIFY THE NEW CORRECTIONS TOLD ME THAT NOTHING DIDN'T CORRECT IT I'M NOT ELIGIBLE AND I FEEL TOTALLY SABOTAGE .AS A XXXX MAN IM USE TO BEING TREATED THIIS WAY AND IM TIRED OF FULL NOT CORRECT IN THESE PREJUDICE SABOTAGE BEHAVIOR ENOUGH IS ENOUGH!!
Product: Credit reporting

Me and another persons information was merged on our reports. I have since fixed my reports on my end, but I dont think the other person fixed thiers. So i am still having her open accounts under my name, and have my information populate under her name. ( Also, security questions i have to answer are almost ALWAYS questions about her information. ) I want to make sure that my information is no longer on this persons credit report, however i have no way to formally dispute the issue since it is not my report.
Product: Mortgage

Mr. Cooper recently inquired my loan, I had damages to my home from hurricane Idalia on XX/XX/XXXX just a few weeks prior of me purchasing my home on XX/XX/XXXX. I had damage to my roof and water infiltration through my windows and glass sliding doors. I had to file a claim with my insurance company XXXX XXXX at the time. They paid to have the roof replace in its entirety that work was completed in XX/XX/XXXX. It has taken me a year to get approval for a full replacement of my windows and glass sliding doors after numerous contractors would not just fix around the frame as previously recommended by XXXX due to corrosion around the metal frames, it was recently approved for a full replacement and a check issued for that cost with the contractors estimate. I was advised to mail in the check and that Mr. Cooper would endorse it and release the full funds to me to get the work done. I am now being ask to download the claims paperwork on numerous times to a site that does not allow me to check my claims status and only has me call in to find out the status. On numerous occasions I get a representative from Mr. Cooper that I am unable to understand their English with a language barrier I ask to speak to a manager who to my surprise turns out to be the same employee disguising their voice. I continue to receive miss information on my claim and moreover now I am being told they will release partial funds to get the work done and then an inspector will come out. I unfortunately need to pay for the windows all upfront {$23000.00} so they can order the windows and have them installed in 2-3 months something I am trying to have done prior to XXXX. I cant pay for 30 % of the windows have them partially installed and have a bank inspector come out to approve it then they release another portion and go on like this for another year meanwhile my home continues to get water infiltration when it is forced wind rain that happens repeatedly in Florida. I need all the money Released in full to pay the invoice in full to be able to order the product and meet deadline.
Product: Debt collection

On XX/XX/2024, Wakefield and Associates mailed letter stating {$320.00} was allegedly owed on an account. They also stated {$320.00} was allegedly owed on another account with the same institution. 

I do not have any responsibility for the debt they are trying to collect. 

I mailed, on XXXX XX/XX/2024, two separate dispute letters via certified mail, with attached certified mail receipts. This mail was received XXXX XX/XX/2024. 

More than 30 days after receipt of these disputes, Wakefield and Associates is still calling the phone number <redacted> and I have attached a voicemail recording to that effect taken on XX/XX/2024. 

Wakefield and Associates shall cease and desist all phone calls and other communications regarding this debt, other than to mail any evidence of validation of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Mortgage

Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanding we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX on our property. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. Nowhere in the loan documents does it state that the only acceptable appraisal can be performed by XXXX XXXX XXXX XXXX. Under the law BofA is required to automatically terminate PMI under these circumstances. We requested termination XXXX times and it is denied. 
In BofA 's letters dated XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX it stated " your current Loan to Value ( LTV ) ratio is above 80.0 %. A new appraisal is required '' and requested payment of {$450.00}. The statement that current LTV is above 80.0 % is incorrect, and contradicts BofA ' own data. According to the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. With current Principal Balance of {$340000.00} the current LTV ratio based on BofA 's own Property Value Estimate is 71.00 %, well below 80 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current principal balance of {$340000.00} represents LTV of under 80.0 %. I believe BofA request for a new appraisal is motivated by policy to generate additional costs and fees, and to prolong the time and cost of unnecessary PMI charges. I also believe it violates current law on this subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem has existed for over a year. I have filed many complaints because the Credit reporting agencies refused to report on my account XXXX XXXX XXXX account accurately. 

I most recently filed a complaint on the credit reporting agencies complaint number XXXX. I was a whistleblower on a government contract were the contractors lost their contracts and millions of dollars. Since reporting I have been retaliated for speaking out. My finances and credit cards has been attacked. I have filled several complaints with CFPB with very little traction. I filled above complaint number on XX/XX/XXXX. 

Here is another prime example of retaliation. You filed my complaint XXXX days ago showing that XXXX XXXX was a business account and also the visa account was paid by my company XXXX XXXX. For complaining about the credit companies Equifax dropped my credit score by XXXX  points. Please open the attached documents. Equifax dropped my credit score by XXXX points. The reason quoted on the attachments stated payment history changed. to 54 %. But Equifax on XX/XX/XXXX is reporting " You've made 75 % of payments for this account on time. XXXX XXXX XXXX was opened XX/XX/XXXX. Equifax is not showing all the years my company has been making payments. THIS IS NOTHING BUT RETAILATION. 

Please had this retaliation to my complaint.
Product: Vehicle loan or lease

Do not finance with Regional Acceptance they will ruin your credit and trap you in a loan agreement where you are not able to reason trade if you are upside down this loan company is terrible.
Product: Mortgage

i had approached wellsfargo for applying HELOC application. During initial consultation with the mortgage consultant he never disclosed to me about an important HELOC guidelines which resulted in decline of my application. 


Does the bank has legal right to withhold the guidelines from the customer which by disclosing should infact help the client to making the right decision and save time to look for other options if he did know of the bank guidelines Bank claims that they have right to withhold the guidelines i need help from your department to know if the bank is right or wrong
Product: Vehicle loan or lease

I leased a 3 series on XXXX/XXXX/17 and setup my online account after receiving my first paper statement to make it convenient for payment scheduling. Then after a few days I received an email for an X1 with someone elses account information on it, I logged in to my account online on XXXX XXXX website and it showed someone elses information on my account and I was unable to locate my car or information there. I have called BMW financial infinite times at XXXX but they keep giving excuses and keep giving me the runaround. Hence I have decided to file a complaint against BMW Financial as its criminal negligence on their part as I being a customer is dedicated to solve this issue and they dont care about it.
Product: Consumer Loan

I purchased a 2015 XXXX from a XXXX XXXX XXXX. I have had trouble getting Toyota Financial Services to accept my payment and have been trying since XXXX XXXX to pay them. They keep telling me I am not paying and I am. When I call customer service I get the runaround. All I am trying to do is to pay my car loan. They have now doubled my payment to XXXX. My payment per contract is XXXX. 

No one seems to listen to me, and I do n't want my car repossessed. I am both frustrated and angry. I am JUST TRYING TO PAY MY BILL. They did n't accept my payment from XXXX XXXX when it was due on XXXX XXXX. So now this is a nightmare.