23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Caliber home loans failed to pay our property taxes on time. As a result we paid taxes due on the due date. We were charged a transaction fee of XXXX dollars for using a credit card. Talking to them, they would n't reimburse us right away or pay the transaction fee. This is unacceptable, it 's our money in our escrow account. 
Loan # XXXX
Product: Checking or savings account

Wells Fargo charged me fees when I had a checking account
Product: Credit card or prepaid card

Had a lot of fraudulent charges on my capi tal one car d. They reversed the charges cancelled the card and issued me a ne w one  XXXX  separ ate times. Everytime within a month there are new fraudulent charges. They tell me the vendor can call them to get the new card number and they give it to them without any proof of said debt. They can not block the vendor nor can they contact the vendor to dispute charges or stop charges. So in short  XXXX  controls  capital one and they ca n't stop them. The supervisor even told me that they can not secure my credit information and my financial information with them is not secure. Why is this allowed or even legal that credit card companies can provide online vendors peoples credit info without any form of proof and are unable to  stop a vendor from placing fraudulent charges on peoples credit cards.
Product: Debt collection

I offered American Express an final settlement offer for my account ending in XXXX. The representatives are very rude and continue to harass me with unfavorable resolution terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked these companies to pull these reportings from my the bereau because they solicited my business after they told me that this would be a soft pull and said that it was only to look at the credit history even after i told them of a public record was on my file. I was decieved and think that the company should own their responsibility and remove it after one year as they told me. VERY DECEPTIVE!! 

XX/XX/2016 US BANK XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the late payment account on my XXXX XXXX XXXX XXXX account ( XXXX ) and the inquiries made by XXXX on XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am deeply concerned about the negative impact these items may have on my credit score and financial reputation. As a responsible consumer, I have always made timely payments on all of my accounts, and it is distressing to see these discrepancies on my credit report. 

I would like to request a thorough investigation of these items and request their removal from my credit report if found to be inaccurate or unverifiable. I believe that the law requires the information on my credit report to be accurate and complete, and any errors or discrepancies must be corrected. 

Furthermore, I would like to remind you that the Fair Credit Reporting Act ( FCRA ) protects consumers from inaccurate information on their credit reports. The FCRA requires credit reporting agencies to investigate disputes within 30 days and remove any inaccuracies. Failure to comply with these regulations could result in legal action against your agency. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information or clarification. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrong name does not match DL Base on my findings all informations is FCRA : XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$820.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$12000.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2400.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3700.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$4600.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Account TypeUtility XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$12000.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$12000.00} - XXXX XXXX XXXX XXXXX Original creditor : XXXX XXXX XXXX XXXXX {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$0.00} - Payment Info Original loan amount - Balance {$0.00} Status date XX/XX/XXXX red flag the XXXX balance accounts XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$12000.00} Balance updated XX/XX/XXXX how is FCRA violations they can change the names to all different with all credit bureaus
Product: Debt collection

Receivables Performance Management continues to violate federal consumer law. 

Receivables Performance Management deleted a inaccurate account from my credit report and then re entered the account back on to my XXXX credit report. As I have stated before, I have no idea who Receivable Performance Management is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018.Also, they are reporting that I have a balance with them as of XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Managementas third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Receivables Performance Management XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C.

9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card or prepaid card

I applied for a credit card with USAA in XXXX. I moved locations to a new address before receiving the credit card in the mail. I never activated or had possession of or used the card at any point in time. I suspect that roommates of mine where the card was delivered may have activated the card mistaking it for there own, USAA is a popular military bank and at the time I was in the military. I switched over to a new bank ( XXXX XXXX XXXX XXXX ) when I moved and never used USAA after that. The credit card remained open, and at a certain point during the last 5 years an annual fee was assessed to that card. Because I had no knowledge of this line of credit including the fact that it did not show on 2 of the 3 credit bureaus, the account went into deliquency some time in XXXX, resulting in many 120 day deliquency mark on my credit and ultimately the amount of {$38.00} was charged off to a collection agency. The only reason I discovered this account was that in XXXX I had been applying for credit cards and was repeatedly denied ... I contacted one of the companies I had applied for credit with and found out through them that I had a deliquent account that was causing me to be denied for that card. This is over 3 years after that account became deliquent, and I had zero knowledge that it existed. I am not fervent in monitoring my credit report but can say for sure that the apps and credit reports that I check most often ( XXXX  and second to that XXXX  ) had no information in my report for a deliquent account. Had I known about that {$38.00} charge at any point during the last 5 years that was open or deliquent I would have paid it. I contacted USAA to discuss and correct all of this without any resolve. I was told that I had no choice but to pay the {$38.00} to close the account, and that it would be my responsiblity to contact the credit bureaus to fix the negative credit caused by this credit card. I spent literally dozens of hours escalating this incident within the company, contacting them through phone and email, escalating it to the point of sending a personal email to the CEO. I had a conversation with a member with a customer relations employee that worked directly for the CEOs office, who was disrespectful and incredibly rude, and blamed me for not being more on top of my credit monitoring. I am particularly distraught by the fact that USAA is a US service member oriented bank, who claims to be supportive of veterans and allied with the best interested of active duty, retired, and all other veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX 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: Mortgage

From XXXX - XXXX we were applying XXXX per month ( sometimes more ) to our Wells Fargo mortgage so that we could pay it off early and avoid the large interest. We set up " automatic bill pay '' online XXXX XXXX- I went into a BRANCH ( XXXX XXXX in XXXX, WA ) to set this process up and had a clerk walk me through it at their desk, using their computer. They showed me the exact steps to take and I did so every month for each paycheck- for over FIVE YEARS. It wasn't until the very end when they sent me a long settlement statement as we were trying to close out the loan that I realized that Wells Fargo had NOT been applying that full XXXX per month toward the PRINCIPAL, instead, they had been applying much of it to INTEREST every month, despite the fact that I was doing exactly what the bank clerk had instructed me to do. So in XXXX when I advised the Wells Fargo rep that this was the case, she got very rude with me, then had to investigate. After much time on my part to gather the amount I knew we were owed back ( I estimate it to be around XXXX ), they said they would only return around XXXX of it. I told them that is not the right amount, and the Wells Fargo rep said something like, " Well this is the best we can do for you- would you like me to just change it back right now so that you get nothing instead? '' I was so upset that I just took what she was offering, but it has been a real problem for my husband and I since. I would love to give every detail ( I have them! ) in order to make these XXXX  STOP ripping off the public! Thanks much for your help- XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company was reporting bankruptcy case number XXXX as belonging to The Consumer. The Consumer has received notification that The Company has deleted the above mentioned bankruptcy from their database, but has yet to remove the accounts originally reporting as associated to said bankruptcy. Listed are the accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Company is also inaccurately reporting a late payment : XXXX - Should be marked as PAID, Never Late
Product: Money transfer, virtual currency, or money service

I am filling 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 platforms, 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 ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This company is unethical I feel. I tried making my payment today because it is the first bill I have received even though I have tried before to make the payment several times. I do have screen shots and can email them upon request, as your system doesn't seem to be to swift in uploading pictures or videos XXXX XXXX XXXX Statement says I owe nothing but that is not true XXXX XXXX  : I called to report an unauthorized charge several months ago for an XXXX from XXXX that was never delivered. I never received a provisional credit and the expense never came off the bill. 

I was put in XXXX got XXXX, and then had to move to XXXX to help my XXXX Dad who unfortunately died of XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : SS # : XXXX To whom it may concern, I, XXXX XXXX, never gave Transunion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 


15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) 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. 


As a consumer, I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Mortgage

Our mortgage was recently sold from XXXX XXXX to Mr. Cooper mortgage company. Since the transfer, our monthly payment went from {$2100.00} to {$2700.00}. Their escrow " cushion '' is exponentially higher than any other mortgage company right now, I believe they are charging more than they are legally allowed to compared to what our escrow payment actually is. They demand over XXXX more than necessary to be in the escrow account as a " cushion '' as they say. They refused to give us the information on the details, and would only send us the information that was from XXXX XXXX. Nothing from their actual company. They then said they could lower it to XXXX but only with another XXXX in the account. So that was done and they said they would re run the analysis to lower the payments and they lied and never did it so they kept wanting to charge us the XXXX. I believe they are stealing from people and they have definitely been stealing from us, being dishonest, impossible to reach at times and using their " cushion '' to invest in other things while we struggle.
Product: Checking or savings account

On the night of XX/XX/XXXX I went out to a bar in the XXXX XXXX of XXXX, my phone died and I was offered a ride from a person I met at the bar. We stopped at XXXX on the way home and I paid next to this person for some snacks. I was wearing a dress for XXXX so I ended up leaving my phone in the car. When I woke up I called the bank to report my card lost. They said that my card was fine and there was no transactions made. However the next day my account overdraft. Im 8 being a customer for Chase my account has never been overdraft. There was 7 charges to my account totaling about {$1800.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX IL - {$1600.00} XXXX  XXXX XXXX XXXX XXXX IL - {$4.00} XXXX  XXXX XXXX XXXX  XXXX IL - {$41.00} XXXX disputed the transactions however they were denied. I asked if I could talk to someone but they said the only way I could dispute the denied transactions was via FAX. I then looked for any substantial evidence I could find. I screen shotted The transaction of {$1600.00} location. I typed what appears in the charge in XXXX XXXX because theres no phone number and what I see is lots of abandoned buildings. They suggested I go to the merchant and try to get the money myself but theres no address or a phone number to even do that. I have a ring doorbell that records me when I get home and it shows me getting home with a dress and noticing my keys and walled and phone are missing. I screen shotted that and told them I could send the video directly from the app with time and date so they know is legit in the fax. But no one ever got back at me. I also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus XXXX XXXX TRANSUNION have failed to verify these accounts after disputing this issue with them directly.
Product: Debt collection

I have filed identity theft on this account and submitted to the Federal Trade Commission and this debt collector CITI Bank has accepted the documentation from FTC and assured me this account was erased from my credit report. This account is not mine and it has NOT been removed from my credit report has promised by CITI Bank Card.
Product: Mortgage

Dovenmuehle Mortgage is the private-label subservicer of a VA backed loan for which my late husband was sole borrower. The property was transferred to me upon his death ( XX/XX/2021 ), and I am confirmed successor in interest. I have provided this company with my written statement of intent to take over payments on the note, as surviving spouse and Titled owner of the property. 

The Company has thus far refused to cooperate with VA Regulations and Federal Laws ( XXXX XXXX XXXX, Consumer Financial Protection Rules pertaining to the ATR rule, and VA Regulations pertaining to the unrestricted transfer of the loan ). The company has insisted that I must submit an application for assumption with associated fees, which is clear violation of multiple Laws and VA Regs. Furthermore, Dovenmuehle has refused to respond in a meaningful way to my repeated phone and email requests over several months to correct this issue. 

Dovenmuehle has been notified by the VA Regional Office in Denver that they are in violation of VA Regulations. The failure of the Company to respond to me now places them in violation of RESPA and my rights as Successor in Interest. 

There are no other beneficiaries to the estate.
Product: Credit card

Heartland Payment Sytems refuses to create a license so that I can process on there system with other credit card providers. They installed a system for over {$10000.00} that does not work the way it is intended or that we were led to believe. They keep telling me they are working on the licenses but it never get done. This in an effort to make us use them for credit car processing. XXXX XXXX, XXXX XXXX, and XXXX XXXX are all are of this problem and have either chosen to do nothing or just tell me for over XXXX months that it will be taken care of soon.
Product: Credit reporting, credit repair services, 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 USC 1666B : A creditor may not treat a payment on a card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the millions of people who whose accounts were compromised with the Equifax security breach. I 'm very concerned about identity theft and a company of this size should be more careful with their fraud procedures.
Product: Checking or savings account

I TRIED MANY TIMES TO OPEN ACCOUNTS WITH THESE FINANCIAL INSTITUTIONS THEY SOMETIMES OPEN THE ACCOUNTS AND IMMEDIATLY CLOSE THEM. I AM CURRENTLY UNABLE TO OBTAIN PERSONAL NOR BUSINESS ACCOUNTS WITH OF THEM. I JUS WANT THE FOLLOWING INSTITUTIONS TO ALLOW ME TO OPEN BANK ACCOUNTS TO OPERATE MY SMALL BUSINESSES THANK YOU WELLS FARGO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX