23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Release of part ( final proceeds ) of insurance proceeds for casualty loss ( hail damage ) in the amount of {$32000.00} was delayed allowing lender ( Chase ) to obtain benefit of holding funds for extended period while making it necessary for complainant to delay payment to contractor. 

Timeline : XX/XX/XXXX Fully endorsed final insurance proceeds check received by Chase XX/XX/XXXX Chase website shows all required documents received. 
XX/XX/XXXX Inspection completed, XX/XX/XXXX Website shows inspection passed. All requirements completed. 
XX/XX/XXXX Check for claim funds issued a full week after all requirements satisfied. 
XX/XX/XXXX Website shows " claim funds sent '' - on a Friday. 
XX/XX/XXXX Postage meter date on envelope actually sending check regular mail. 
? Envelope actually placed in mail, If ordinary transit time, NOT XX/XX/XXXX XX/XX/XXXX Check received on Saturday when it can not be deposited. 
XX/XX/XXXX Check deposited, placed on three day hold. 
XX/XX/XXXX Funds to actually be released - 30 days after check received by Chase. 

References to website are to XXXX XXXX XXXXXXXX We are of the opinion that this timeline shows unreasonable delay enabling the lender to benefit from several days of retention of the funds to our detriment.
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, 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Ph # XXXX Firstsource collection Co. continues to call my place of employment and disrespecting the staff and discussing my personal information about my account to other employees.
Product: Bank account or service

I signed-up for a citigold XXXX XXXX promo, met the terms, and yet was not awarded the miles because, after the fact, I was told by citi that I am ineligible because I did n't receive a targeted offer. Correct, I did not get a targeted mail offer but I did confirm with citi that I was going to get the promo miles when talking to them during the opening of the account and during the qualifying period. I believe that the promo code was XXXX. Now when I follow-up via chat and on the phone their stock answer was that I had to have been targeted so I 'm not going to get the miles. I 've been getting charged a $ XXXXmonth fee to keep the account open while I 've been waiting to get my promo miles provided.
Product: Credit reporting 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.

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

XXXXXXXX XXXX XXXX account number XXXX, has violated my rights. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

In XX/XX/XXXX I received my escrow analysis dated XX/XX/XXXX. The second page reflected the incorrect amount of taxes to be disbursed in XXXX  ( for the XX/XX/XXXX installment ) as {$1500.00} - higher than the actual amount of {$900.00} ; also making the page 3 projection incorrect. ( Taxes are collected bi-annually, with different disbursement amounts for each installment. ) The error in the analysis created a shortage of {$810.00} - which is not true. I was given the choice to pay the shortage up front or add it to my monthly payment. 

On XX/XX/XXXX I called Roundpoint Cust. Svc and emailed them proof of the tax amount scheduled to be dispersed for the XXXX. installment, as per their request. I had previously emailed them the same bill in XX/XX/XXXX. I also requested a new analysis to be prepared. The only good result is they disbursed the XXXX. taxes for the correct amount ; however, I have not received a new analysis. Since I did not feel confident that they would prepare and send the analysis, I sent ( via mail ) a notice of error to them on XX/XX/XXXX along with a copy of the analysis and proof of the tax amount. I have not heard anything and my billing statement for XX/XX/XXXX reflects a higher tax amount being collected including the shortage. I called again last week but the person in the tax department did not seem to be knowledgeable. He said that I now had an overage, but I believe he was looking at the amount left in the escrow account, not whether an analysis would result in an overage or shortage. Again I explained the situation and requested a new analysis and new monthly statement. 

I have an ACH on the first of the month - next due XX/XX/XXXX and have no idea what amount they are going to take. I warned them of that and they said I would not have to change my ACH, as they would deduct the new amount. I have no idea if that is correct information or not. I fear that if they take the higher amount it is simply going to make the matter worse and more difficult to correct. Also too, I am not sure whether I even trust that they will deduct the correct amount, or whether my payment would be rejected. If there is still an shortage after the new analysis, I would pay it upfront. I am running out of time before XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received my credit card statement from Bank of America. There was an item as follows : Transaction Date XXXX Posting Date XX/XX/XXXX ACH Payment Refund {$6900.00}. 

I immediately contacted BA  and was on the phone with them for about an hour. This was the amount of my previous credit card balance that I paid on XX/XX/XXXX. On XX/XX/XXXX, someone, not me, contacted BA  and asked that this payment be refunded to their checking account. I do not know who this person was. BA refunded my payment to this stranger 's account - no questions asked. And then BA recharged my credit card for this payment. It was clear to BA  during our conversation that I did not know this person and did not make this request. They gave me the last 4 digits of a checking account number and a person 's name and asked me if I knew this person or had an account with those digits. I said no. They said they would file a claim to resolve this issue. About a week later I called BA as I had not heard from them. ( Previously when I have filed a fraud claim with them, they have emailed me immediately informing me that they are working on it ). After being on hold for an hour and a half, I discovered that a claim had not been filed. A few days later, XX/XX/XXXX, my husband called them, again discovering that a claim had not been filed. He asked to speak to a manager and was told one wasn't available and they would have one contact him on XX/XX/XXXX or XXXX. No one contacted him. We have probably been on the phone with them a total of 10 hours all to no avail. I have not once received any notification that a claim has been filed. When I log into my account there is nothing in there indicating a claim has been filed and the charge is still on there. This is the reason I am contacting you to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt - XXXX XXXX XXXX XXXX I am writing in response to an alleged debt associated with account number XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached.

2. The PAYMENT HISTORY with the original creditor.

3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice.

ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS.

Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only.

Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease and this account must be deleted. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian never provided an investigation into my dispute regarding several inquiries that were never authorized on my behalf. 
Experian has violated 15 USC 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. NO Written instructions were ever provided to Experian on my behalf to furnish any copies of my consumer report to the third parties listed below. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I submitted an international wire transfer of {$3500.00} ( + {$25.00} fee ) through Wells Fargo online banking on XX/XX/year>. The {$3500.00} left my account almost immediately. The confirmation I received from Wells Fargo stated that my wire transfer would be delivered by XX/XX/year>. On XX/XX/XXXX, the money was not received by the recipient as represented. On XX/XX/XXXX, the money was still not received by the recipient. On XX/XX/XXXX, the money was once again still not received by the recipient. On XX/XX/XXXX, I called Wells Fargo and asked them to recall the wire transfer. I spoke with a Wells Fargo employee named XXXX who stated that she submitted the recall for the wire transfer. Throughout this process, Wells Fargo could not let me know where the money was without initiating a long investigation when I had a deadline on this payment. Wells Fargo is now telling me they can not guarantee I will get the money back through the recall. I am a loyal Wells Fargo customer and I put my full faith in them that my wire transfer would be delivered as they represented.
Product: Payday loan, title loan, or personal loan

This company and it's affiliates are running deceptive advertising on social media platforms. They are claiming Congress approved a new program offering {$50000.00} deposits to anyone. At no time does the ad state it is for a high-interest personal loan. The company runs many advertisements with fake, XXXX  news articles from XXXX XXXX and XXXX. 

The ads appear to be run by On the Barrelhead, Inc. d/b/a PersonalLoanPro XXXX # XXXX. 


The transcript of an example deceptive ad follows ( original video is attached ) " This is being covered up by XXXX buying XXXX. 

Congress was just on the news announcing this new program that's giving Americans over the age of 21 up to {$50000.00}. 

You don't need any credit history, or bank requirements at all to get your deposit. 

The best part is anybody can do this online and it only takes a few minutes, all you have to do is let them know why you need the money, how much money you need, and just like that you can see how much '' - This is not being " covered up '' by XXXX buying XXXX - Neither congress nor any government official was " just on the news '' announcing such a program - Credit history AND banking is required to obtain a loan and get the deposit - Anyone can not do this
Product: Credit reporting 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Bank account or service

Long story short, Wells Fargo decided to end our banking relationship. In doing so, they canceled all pending transfers, including one from another Wells Fargo account. The transfer was for {$1600.00} from their customer XXXX. His cell phone number is ( XXXX ) XXXX. I sent the product to him and now I am unable to reach him. I would like Wells Fargo to help in one of the following ways : 1. Reimburse me for my loss. 
2. Facilitate me receiving the payment from their customer. 
3. Provide me with the customers details so that I can file a police report. 

I am not sure which one of these is necessary because I am unable to get in contact with their customer, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a location to get my car serviced, I was told my car needed major repairs. I was then given an extended line of credit. 
I believe my car did not need all the repairs they claimed it needed. I also believe they only did the repairs due to the credit they offered me. 
I was never shown any defective parts. Currently my car is not running and my engine is not working. 
I want them to stop demanding money from me and stop reporting this on my credit.
Product: Mortgage

See previous complaint. I was not notified Wells Fargo Home Mortgage made a response here on this site with my complaint, nor was a I notified that I had a time limit on responding otherwise CFPB would close it. Wells Fargo Home Mortgage closed my complaint because I had to wait for an email from the credit union with proof of payment on my end. Then they transferred me to someone else who in turn was doing the same thing. I provided everything they asked for but no one from cfpb reached out to me asking if what they were saying was accurate. This is far from closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against TRANSUNION due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I need to add documentation to complaint # XXXX. 

Please help me with this issue. Today XX/XX/2020 I received a letter from Nissan Motor Acceptance Company ( See attached file named NMAC_Letter_091020 ). This letter states that they are unable to locate my account information, and that without more information they would be unable to make any changes to my account. I have attached a letter which I have sent multiple times to NMAC which includes my account information, as well as the VIN number of my vehicle. This is a direct example of harassment by NMAC and I need help to resolve this issue. All I am asking them to do is repair the mistake they made by falsely reporting my account as delinquent to the credit reporting agencies. I am struggling to find housing due to the delinquency on my account and I NEED HELP.

Attached is the letter form Nissan, a copy of the letter I have sent to Nissan multiple times, and proof of delivery via registered mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 Sent a letter via certified mail to Experian. Tracking number XXXX XXXX XXXX XXXX XXXX. Letter stated rights being violated and ask to have my personal information removed from consumer file.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/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 XXXXXX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Debt collection

I have a medical bill with an XXXX in town that after setting up a payment plan and making a payment, I was sent to collections a few days later. The collection agency claimed they had no record of me setting up a payment plan or making any payments on my account. The collection agency did not send me any letters, statements, anything, just claimed they did not send out mail or email because they were a collection agency with the sole purpose of collecting the debt. I naively paid the collection agency several times, but my payments were never reflected on my account balance. I recently found out that I was reported to credit for nonpayment of this bill, but the money has come out of my bank account to pay the bill. The collection agency claims I have only made one payment -- one in XX/XX/XXXX and one in XX/XX/XXXX. I have also set up a payment plan with this collection agency, but they claim the payment I set up will only cover assessed fees to my account and the balance will never get paid off this way. They also claimed that making a slightly larger payment will still take me decades to pay off. I 'm not sure what to do at this point.