23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23, I received a letter from Paypal XXXX XXXX ) which included : a routing number, a bank account number, a debit card with my name, and my current recently moved into address. I do not have nor have I had business with PaypalXXXXXXXX nor did  I request this card or account to be created. 

I called the number listed on the letter that I received to ask who created this account, when, how was my data received and for clarity in this process. The agent that took my call refused to provide me her employee ID or client identifying number, she refused to transfer me to her supervisor, did not share any details and just transferred me back over the the start of the prompts in the Call Center queue. This makes me think the agent was trying to avoid a quality monitoring or a score that I would receive and did not want to do her job. 

I got in touch with another agent who did provide me with her identifier number, but she just wanted me to disregard the card and the intent they had. She refused to direct me to a person or department that could give me the information I asked for, she refused to say who, what or when the card was issued and said she didn't have that information. This is a lie as its basic CRM practices and due to FTC regulations, they need to keep the data on all accounts they open. On the fifth attempt to get transferred to a supervisor, they made me wait over ten minutes to speak to one.+ Supervisor refused to provide any information except his employee ID and just wanted me to be happy I was opted out of future marketing campaigns, but not acknowledging the issue at hand of how they received my data and how could they delete it.
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, which leaves 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 ( EFTA ) and Regulations E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went into a payment arrangement with XXXX XXXX on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to XXXX XXXX XXXX  regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

A collection account XXXX XXXX  for the amount {$320.00} was deleted from my XXXX Credit Report for false reporting but not yet for my XXXX and TransUnion Credit Report ; therefore its reporting inaccurate on both TransUnion and XXXX and need to be updated.
Product: Debt collection

I did not give authorization for this company to run my credit and put it on my credit.i want this account to be removed from my credit. they put this car my account and never removed it from my account.
Product: Debt collection

I opened an account with XXXX XXXXk via XXXX XXXX in XXXX XXXX, I contacted the lender in XXXX to verify if and when a bill would arrive. I offered to pay the bill in full and assumed this had been done until I received a letter from the debt collector. I called XXXX in an attempt to pay the bill they informed the debt had been charged off and sold to a debt collection service and they told me I would need to speak with the debt collector as it was no longer their responsibility. I then called the debt collect who then offered me to pay double the amount of the bill as a settlement and told me basically to take or leave it but either way I was going to have to pay. I asked if I could dispute the bill and was told no and that this was their only offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit file from XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX sent me a removal inquiry letter because they pulled up my credit report by error. I spoke with TransUnion customer service her name is XXXX, she told me to fax the XXXX XXXX XXXX removal letter to her XXXX and she is going to have that hard inquiry removed. I called the next day to make sure she received the fax and the customer service told me that she did not receive it. I called again and spoke with XXXX in customer service and she had me re-send the fax to her, I called to confirm if she received the fax and she told me that they did not receive it. On the XX/XX/XXXX I called TransUnion customer service again and I spoke with XXXX and he told me to re-send the fax and that he could not see that I sent a fax. I also confirmed the fax number with him again. Since the first conversation on XX/XX/XXXX I sent the XXXX XXXX XXXX removal letter a total of 4 times and they keep saying that they are not receiving it ... I find that very inconvienient because I am sending faxes and it is costing me money. TransUnion is not following the law by not following the Fair Credit Reporting Act. I am going to be attaching the faxes that I sent and also will be attaching the XXXX XXXX XXXX removal letter.
Product: Credit reporting or other personal consumer reports

Please read my complaint thoroughly. I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> Ameris Bank credit card withdrew from my bank account {$2400.00} as monthly payment. My automatic payment amount is set for {$1000.00} every month. I never authorized Ameris Bank credit card to withdraw more than & XXXX from my bank account
Product: Vehicle loan or lease

This automobile was repossessed in 2018. Bridgecrest never sent me a cancellation of the debt. Bridgecrest never sent me the sale amount for the automobile. Due to GAP insurance being paid for and provided for by me, for the automobile, Bridgecrest was fully enriched for the total value of the vehicle from the insurance company. Bridgecrest filed a 1099-A and/or 1099-C in regards to this automobile to the Internal Revenue Service, providing evidence of acquisition/abandonment of the automobile and/or cancellation of the debt, attached to the automobile. Thus, this debt is alleged, fraudulent, and/or, already paid in full to Bridgecrest. Bridgecrest is seeking to be unduly and overly enriched by continuing to report this as a debt owed to them and continues to unlawfully report this account to all three nationally recognized credit bureaus ( XXXX, XXXX, and XXXX ) as a negative account with active owed balance, to them.
Product: Credit card

I opened a credit card with XXXX XXXX in XXXX, MA to buy a couch. There was an initial 6 mos period of no interest which we made periodic over payments of the balance due. I never received an invoice or any notification in XXXX for and apparently my 6 mos period had expired. I was notified by XXXX that my account was past due which I immediately paid off in full ( approx {$5200.00} ) on XXXX/XXXX/16. I 've now been told that since I did n't pay off the balance before the 6 mos period, that I know owe approximately {$780.00} in finance charges for for the next 12 months even though my account has been paid off in full. I strongly believe that it is categorically unfair to charge interest for 12 months in the future when no money is being borrowed. I also believe that XXXX XXXX is using deceptive and unfair business tactics to sell their products to consumers even when their consumers have been trying to do the right thing throughout the process. It is a quintessential " gotchya '' strategy to milk further fee 's out of their customers.
Product: Checking or savings account

I entered the XXXX, NJ branch of Santander Bank located at XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/2022 during normal business hours ( around XXXX EST ). I verified my identity by presenting my current driver license and my Santander debit card with PIN. I requested the balance of my funds from my account. I was told to have a seat and that they would complete my request shortly. Around XXXX, the attendant notified me that the branch was closed and that I needed to return on another day. When I inquired why my withdrawal request was not completed, I was told that they had received " back office approval '. I was not aware of any back-office procedures required to release my demand account funds so I promptly called Santander 's customer service number. I was subsequently told by the customer service center that the branch attendant requested a block on my account. I asked the customer service attendant to use whatever validation procedure is necessary to clear my account and indicated that he was not able to do it. Neither the branch attendant nor the customer service representative attempted to further verify my identity by asking any additional identity or account questions. Santander Bank does not have a valid reason to withhold my funds without making a good faith effort to properly and sufficiently confirm my identity.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is inaccurate, I have tried numerous to contact XXXX, XXXX, and Experian to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.
Product: Mortgage

My mortgage has been with UWM Mortgage ( aka XXXX aka XXXX XXXX ). They ILLEGALLY WITHDREW MONEY FROM MY BANK VIA ACH WITHOUT MY AUTHORIZATION TO PAY THE MORTGAGE FOR SOME RANDOM PERSON. This is After filing a complaint with CFPB on XX/XX/XXXX, the UWM responded to CFPB on XX/XX/XXXX stating the following : " our Servicing Team caused your bi-weekly ACH application to be used to establish bi-weekly payments for another borrowers loan ''. This is ALARMING, HIGHLY ILLEGAL, and highly concerning that UWM has withdrew money from my bank Illegally and without my authorization to pay for another person 's loan. 

In their response UWM also stated : " Upon discovering this error, the processing of payments to the incorrect loan was immediately cancelled and the amount of {$2800.00} for the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX erroneous debits was returned to your account on XX/XX/XXXX. '' THIS IS A LIE. Today is XX/XX/XXXX, till date UWM HAS NOT refunded the illegally withdrawn funds back to my bank account. 

I called UWM this morning ( XX/XX/XXXX ) and their agents have no clue about this situation and provided no answer and I wasted 30 mins of my precious time again without a proper answer. The UWM agents from all my phone calls took all notes but never respond back with a resolution. The emails I sent to XXXX does not answer my questions regarding this topic. 

UWM illegally withdrew money from my bank to pay for other person 's loan, compounding to this not responding to my several calls and emails to UWM since XX/XX/XXXX, they failed to resolve this matter. They LIED when they said they put the refunded the money on XX/XX/XXXX, as of now XX/XX/XXXX, I have not received the funds back into my bank account. 

This whole ordeal had caused me Tremendous financial pain and put me in a lot of stress of which ALL of it were of UWM 's fault. I had to borrow money to pay my bills, and If I had defaulted on my payment, only my credit history will be impacted and not UWM 's. 

I request the following : 1 ) UWM to fully refund the Illegally withdrawn funds from my bank account without my authorization to be fully refunded back into my account IMMEDIATELY 2 ) UWM to provide proper and Fair compensation for the financial pain, having wasted several hours of time in speaking with them and email them, and the distress they put me through this ordeal in dealing with UWM to find a resolution - ALL of which is NO fault of my own. 
3 ) Need guarantee from UWM that this Illegal activity of withdrawing money from my account to pay for some random person 's mortgage will not happen going forward
Product: Credit card

This is made to declare my concern regarding security fraud committed by the underwriting department of JP MORGAN CHASE BANK and the violation of my rights as a consumer under various federal laws. Additionally, I seek to address the denial of my right to credit, which is in direct contravention of these laws. 

XXXX. XXXX XXXX Transaction : ** - On XX/XX/year>, I engaged in a consumer credit transaction with JP MORGAN CHASE BANK by submitting a duly endorsed application for credit. 
- My endorsed application generated securities, from which I am being unjustly withheld from the benefits. 

XXXX. **Violation of Rights : ** - The underwriting department of CHASE BANK has denied my credit application without just cause, violating my rights under the Equal Credit Opportunity Act ( ECOA ), XXXX U.S.C XXXX XXXX et seq., which mandates that all consumers be given an equal opportunity to obtain credit. 
- Specifically, XXXX XXXX. XXXX and its implementing regulation, XXXX XXXX XXXX, prohibit creditors from discriminating against applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, or because all or part of an applicant 's income derives from any public assistance program. 
- Furthermore, the denial constitutes a breach of the Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX et seq., which aims to promote the informed use of consumer credit by requiring disclosures about its terms and cost. 
- The actions of CHASE BANK also appear to contravene the Banking Act, which ensures the proper regulation and conduct of banking operations. 
- Additionally, the actions may violate the Bill of Exchange Act, which governs the rights and responsibilities associated with negotiable instruments. 

XXXX. **Allegation of Security Fraud : ** - I allege that CHASE BANK has engaged in security fraud by utilizing my endorsed application to generate securities without providing me with any benefit or return, thereby defrauding me and infringing upon my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail
Product: Credit reporting

Equifax is not responding to my request to investigate and remove accounts from my credit report that do not belong to me.
Product: Mortgage

I closed on my home XX/XX/XXXX. My mortgage was {$1200.00}. I received a statement in XX/XX/XXXX that my mortgage was increased to {$1600.00} due to an escrow shortage. After speaking with my loan servicer ( Land Home Financial ) I was informed that I didn't have enough money to cover my taxes. {$2400.00} was paid by the lender since I didn't have enough money to cover in my escrow account. They are charging me the overage amount. I did not take ownership of the property until XX/XX/XXXX so I was not responsible for XX/XX/XXXX taxes. I don't see how the loan servicer can use my escrow to pay taxes for a year when I did not have ownership of the property when the dates are on the tax bill. I don't understand why they mortgage broker was contacted AFTER the loan servicer already had paid the taxes from my escrow instead of prior to. I spoke with the mortgage broker whom stated to me that the Title Company ( XXXX XXXX XXXX XXXX ) didn't pay all of the liens during closing. I submitted a complaint to the title company and it was discovered that the seller did not pay the XX/XX/XXXX taxes. The title company subsequently denied due to they had no way of knowing this at the time of closing and stated to me that both attorneys for me and the seller should've caught this. I spoke with my attorney that did the closing and he stated to me that the title company is responsible because they estimated my taxes incorrectly. He said I got credit the taxes at closing, however, I only got credit for XX/XX/XXXX not XX/XX/XXXX since the seller was suppose to pay those taxes. He stated if the seller didn't pay the XX/XX/XXXX taxes that I would have to go after him, but at this point I would get no money. He offered little help and showed no concern that he did do his due diligence acting as my attorney. If the seller did owe XX/XX/XXXX he and the seller 's attorney should've made sure they were paid or I got credit. If the title company did estimate figures incorrectly at closing and he was aware of this, he should've stopped the closing process until they were done right. This is my first home purchase and this has been a very stressful experience by far. Since my XX/XX/XXXX taxes have been taken out of escrow my mortgage has again increased to {$1700.00} effective XX/XX/XXXX. My escrow account has not been refunded and I am left stuck with being penalized for XX/XX/XXXXtaxes and nobody will do anything to correct this error. This is my last recourse, as I am depleted of the little savings I had to pay the overage and have fallen behind in other bills, including my mortgage payment. My credit has suffered and I am at a loss. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file with Equifax in reference to XXXX Bank XXXX XXXX  ) account showing charged off in the amount of {$4100.00}.
Product: Debt collection

On XX/XX/XXXX Access Receivables wrote to me claiming that my account with my pain doctor has been placed for collection and tells me that I can not communicate with my physician or the financial department of the medical practice. Access Receivables claims I owe {$420.00} to my pain doctor when in fact I am a Medicare and Medicaid patient and the financial department has not properly billed Medicare and Medicaid. I do not owe anything. On XXXX XXXX Access Receivables called me and advised that I was refusing to pay although I informed Access Receivables of the foregoing. I have written to Access Receivables to attempt to give them my insurance information, and I attempted to give insurance information to Access Receivables by phone, but the representative of Access Receivables refused to accept my insurance information and repeatedly demanded payment.