23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an escrow refund XX/XX/XXXX in the amount of {$2800.00} from XX/XX/XXXX. Wells Fargo has requested reimbursement of this refund XX/XX/XXXX claiming that the refund was an error. When the refund was provided, I contacted Wells Fargo numerous times to confirm that the refund was accurate. In addition, I did not deposit the refund check for several months. I think it is unreasonable to expect a repayment of nearly {$3000.00} more than two years. In addition, I feel that I did my due diligence as a customer to alert Wells Fargo of a potential error. Since receiving this notice on XX/XX/XXXX, I have contacted Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have a letter dated XX/XX/XXXX that Wells will complete research and contact me by XX/XX/XXXX. I received a message on XX/XX/XXXX from a Wells Fargo representative that there has been a resolution and to contact him. I have left several messages and never spoken with him with respect to what the resolution is. Now, I am receiving notices from XXXX XXXX XXXX, XXXX to attempt to collect this debt. In the information provided by XXXX, there is a copy of an email from Wells Fargo to XXXX XXXX on XX/XX/XXXX stating that " we have completed our process and our homeowner has not responded to our attempts to address this. '' I have documentation of my multiple attempts and follow ups and I truly do n't know what more I can do thus I am filling this complaint in hopes that this process can help me to resolve this issue. Thank you. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Approximately XXXX of 2022 I realized I had fallen Victim to a couple of scammers that lasted over a year. I met these two women online who claimed to be psychic women and possessed Devine powers. They claimed to be able to eliminate any negativity from your life, being abundance, and any past relationships. I was young and very vulnerable when I met these people. I was fresh out of relationship and just moved to a big new city by myself. These people claimed they would be able to bring my ex back, but I had to put In the work and it was very important I never told anybody. Once all of the work was complete I would get my money back the transactions started off with a simple reading : {$20.00} for the first session. They claimed to found the reason why me and my ex broke up, and they were the only ones with enough experience and skill that could bring us back together. I would send hundreds of dollars at a time for the work to be done each time I came back with hope of the work being complete and me and my ex would finally be back together. However it resulted in the opposite. They told me the work wasnt strong enough and required stronger materials such as bigger crystals and stones. I paid THOUSANDS for these materials I took out a loan from XXXX XXXX for {$8000.00} USD and sent my whole entire paycheck one time because they said it was cursed and had to be cleaned. As you are reading this I know it probably sounds obscured but its the truth. I was in a very isolated time of my life and their tactics made me feel like they were the only ones that understood my situation. Remember, I wasnt allowed to tell anybody, and once the work was complete I would get all of my money back. I sent over {$20000.00} USD to these people before I realized the actual amount I sent. I have put myself further in debt because I fell victim to their scam. I have reported everything to CashApp on different occasions and each time leads me to a dead end. I tried to dispute the transactions but they were no help. I received a message that said along the lines sorry about the fraud. We dont intend for our users to be scammed. There is nothing else we can do I never received an email from them stating why they couldnt dispute the charges. Only a verbal no we can not do that no actions/precautions were taken by CashApp to support one of their customers and it left me losing {$20000.00} USD I have proof of all transactions and actions that I have taken in attempt to get my money back
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  account is listed twice on credit report under two different accounts ( XXXX XXXX XXXX XXXX XXXX  XXXX ). Payment was made and was communicated to consumer ( myself ) from collector that it would be deleted from credit reports, but has not been deleted at of XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been improperly reported that our account with XXXX XXXX was included in a bankruptcy. We did have a bankruptcy that was discharged in XX/XX/XXXX but we were able to keep our house. The address was XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. We sold this house in XX/XX/XXXX. We are now trying to purchase another house and we are running into problems because Our credit reports are stating that the property at XXXX XXXX was included in a bankruptcy and it was not. The loan was paid in full when the property transferred in XX/XX/XXXX when we sold it. We never missed one payment on this account.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on y credit report and found several items there to be inaccurate information. Under 15.US Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been changed or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX is a compliant i filed, they said they paid the {$70.00} balance and closed the account. I was under the impression that they could not charge anything while this is being resolved. Yet they have. 
Today I got a XXXX $ bill from them. this is the amount they charge for late fee. 

Since billing can not be done while we are in this process, and they paid off the balance i do not understand why they can bill me any money. I have not purchased anything. 
this is retaliation as there is no phone number on the attached bill from them. 
Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection company by the name of CMRE ( phone number : XXXX and email : XXXX ) has mailed me a letter dated XX/XX/2019, stating that I owe {$5.00} to XXXX XXXX XXXX. 

I dont know anything about this debt neither have I ever received a letter regarding that debt. 

Obviously, I want to find out what is it? 
You might thing it's simple, and that i just call or email this company and they will explain it to me. 
NO!!!! 
I have tried calling them many times, no live person ever picks up the phone. I have left voice mails. i have emailed them, even threatening to sue them if someone from their office does not return my calls or respond to my email. 

So far, no one has contacted me in any way or form. 

I have a fico score of 780+ which i have worked hard to attain in the past 10 years. 
This collection attempt could ruin it and greatly damage my credit worthiness and my financial future. 
I am asking for your help to contact these people and have them contact me so we can settle this issue. 

I have also done the same with XXXX XXXX XXXX, calling and emailing. Same exact issue. No one has contacted me, no one has responded to my voice mail messages and email. I only received an " Auto Reply '' from them ( XXXX XXXX XXXX ), which was never followed up on by a live person. 
I am in a delima and need your help. 

Thank you very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, its a hard inquiry dated XX/XX/2017 2017
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app due to an adequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. The actions have caused significant inconveniences and financial loss, and I seek appropriate redness for the violations.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX .Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I tried to transfer my crypto from Robinhood to XXXX and they restricted my account on XX/XX/XXXX. Once this happened, I sold my crypto and attempted to transfer my money back to my bank account, which allotted to XXXX. They would not allow this to happen. I have sat on hold for XXXX hours and have sent emails multiple times in order to get this resolved. 

I have uploaded whatever files they have asked for and have been patient. Last week I was finally able to get in touch on the phone with someone on XX/XX/XXXX and they said my issue would be escalated and resolved. This still hasn't happened. 

I just want this to be resolved in order to get my money back, I will never use Robinhood again, it is next to impossible to get in touch with customer service. 
Any help would be greatly appreciated.
Product: Mortgage

I was current on my mortgage when I was impacted by COVID. I raise my hand to get on a CARES ACT Forbearance. At the end of 2022, I raised my hand to advised the hardship was over and could not reinstate but I could afford the current payment going forward. It is now almost XX/XX/XXXX with no word on my status. I have had to call in for updates because I am so worried. I am trying to do the right thing. I even escalated to a manager, they advised they have 72 hours to call back but I wait 5 days and called again because no call back.
Product: Payday loan, title loan, or personal loan

I came into hardship when i had an XXXX XXXX i was out of work for almost 6 weeks before my loan was due i told them of the situation i came in before the day before i was due to see if i could get out on a Payment plan XXXX told me that would Just take longer to pay out and more money from me i told her i cant keep renewing loan she told if i can just bring in the XXXX how i did last time with XXXX that will be fine 2 days later i went back out of work again XXXX called me i told her i do not have anything i am not at work she asked if i could find someone to borrow XXXX dollars from i told her i will try but i doubt it she called my job my manager has told them to stop calling when i was relieved from the doctor to return back to work my very first day back i received a call from XXXX i told her i can not receive calls her and prior to that my manager has told her that today XXXX XXXX,2017 at approximately XXXX i received a call from XXXX stating she was XXXX with approved cash demanding i come in today to Renew or pay off my loan or she will take me to court i then told her i ask you to not call here and your calling me on a cell phone i then hung. This company has been doing rollovers when they know a customer cant afford to bring the whole payback amount, they denied me the extended Payment plan, wont stop calling my place of employment, and has threatened me with legal while im at work on a work landline, this is embarrassment, harrassment and due to this i am now getting wrote up by my employer for personal calls and could be possibly terminated
Product: Credit reporting or other personal consumer reports

Hi I am a single mom trying to make life work and to see all the XXXX happening to us Americans is disgusting. Im here to take a stand and I wont go down without fight. 
XXXX. 
These fake bureaus. ( XXXX, Experian and XXXX ) have too much misinformation about me online for public consumption. 

My info has been leaked. 
The person who made the report I had no dealings with. 
A lot of the info is WRONG or has inacuracies that dont line up starting with : my birthdate, Address, credit score, employment, XXXX open closed, derogatory, collections, ( BALANCE DIFFERENCES BETWEEN EACH Bureau {$11000.00}, XXXX, XXXX??? ) XXXX. 
XXXX ( XXXX XXXX specifically ) for having a breach and my social being stolen XXXX. 
XXXX XXXX  credit card says terminated and inactive which is not true. 
XXXX. 
XXXX XXXX XXXX  I am suing because they did contract XXXX  and sold out my social. Obtained securities XXXX on my behalf. Then SOLD MY DEBT WHICH IS ILLEGAL. 
XXXX. 
XXXX XXXX XXXX ( original was XXXX XXXX XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf.. 
XXXX. 
XXXX and XXXX ( original was XXXX  ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf. 
XXXX. 
XXXX ( original creditor is XXXX  ) I have a billing error they wouldnt honor. 
THEY THEN SOLD MY DEBT WHICH IS ILLEGAL. They obtained securities on my behalf. 

XXXX. 
XXXX  ( original creditor XXXX XXXX XXXX ) They failed to provide services to my child. 
THEN SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. 
XXXX. 
XXXX XXXX  ( original creditor XXXX XXXX XXXX ) I needed XXXX attention and got it with my securites. They sold my debt WHICH IS ILLEGAL. 

I wish for my privacy to be just that. 
Transaction history is not only illegal but the inaccuracy on my report is childish. And every single piece of it is XXXX.
Product: Consumer Loan

Me and my wife leased vehicles back in XX/XX/XXXX both XX/XX/XXXX 's. The lease was up last year in XX/XX/XXXX, and we decided to purchase the vehicles. XXXX sent us paperwork that was wrong on several occasion. We thought things were fine until we got a letter from Ally stating we needed to pay a registration fee. The problem with that is the customer is never supposed to pay anything, except tag renewal and the monthly note. We received a late renewal from the XXXX in which we had to pay XXXX including late fees. We contacted Ally in XX/XX/XXXX of this year, and they gave us the run around concerning management. So we finally got Supervisor/Relocation/Title Transfer person named '' XXXX ''. She informed us she would check in to the matter and get back to us, we thought is as taken care of. I got sick and had major XXXX in XX/XX/XXXX in which I almost XXXX, and my wife got another letter from Ally taking about registration. My wife emailed XXXX in XX/XX/XXXX only to never hear anything from her, and we have not received anything from the XXXX in the mail about out vehicle registration. When I tried going online to renew bot vehicles they stated they were not found and application in process. Our tags expired in XX/XX/XXXX, and we have been dealing with me getting well from my XXXX. I do not have the money to pay big late fees in XXXX, we have the emails we will attach .We have never been late and always been on time with our payments.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies.

Disputed Item Details : * Creditor/Furnisher Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * Date of Reported Issue : [ XX/XX/2023 ] The following information is incorrect or incomplete for the following reasons 1- date opened doesnt match 2- date reported is incorrect 3- credit limit doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation.

Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter.

Thank you for your immediate attention to this matter