23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I contacted Discover Card by phone and set up a pin to receive cash advance from my card account. I was told that I was good to go. 

I have around {$2000.00} available in cash advance and I wanted to withdraw {$400.00}. I am overdrawn in my checking account and needed to get money into my account on Tuesday morning, XX/XX/XXXX. My bank ( XXXX XXXX XXXX ) does not make cash transactions for credit cards. 

I went to the ATM at the bank but the transaction was denied. I thought that maybe the ATM would only give out {$200.00} at a time, so I tried again for that amount. Again, I was denied. 

I returned home and called Discover. The woman on the phone said that my account was flagged for fraud, but she did not know why. She said she cleared things and now it should be okay. I should return to the ATM. I drove back to the bank and for the third time I was denied. 

Drove back home and called Discover for the second time. I was transferred to the Fraud department. This agent said she could not determine why, but she was resetting everything. She suggested I return to the ATM and this time it should work. I drove back to the bank for the third time. My fourth try was denied. 

Drove back home and called Discover for the third time. This time I spoke with a Manager. As in each of the previous calls, I was placed on a long hold. This woman said that she had manually reset everything necessary and that I should go back to the ATM and that this time it really was going to work. Back to the bank, denied. It was now too late to get the money into my checking account for today, anyway. 

I return home and call Discover. I am transferred to XXXX in the Charge Varification Department. He said that I was now locked out of my account because I had tried too many times. I told him that I kept trying due to advice from Discover. He was unable to help. He said that I should try again tomorrow. 

Meanwhile, I am racking up overdraft fees at the bank today. I just spoke to Discover again before pushing send. The Supervisor I spoke with said that my transactions were being denied for security reasons not related to my account. Good luck tomorrow. 

I may be wrong, but I thought that I could count on Discover in an emergency. They led me to believe this. I feel that they did not uphold our agreement for no fault of my own.
Product: Credit card

I applie And was approvec For a chase freedom credit card after several month of usage I went into the branch for an update to my acco And was advised the account would be closed. When I inquired I was told I would be sent a letter. This conversation happens in late XXXX. On XX/XX/XXXX the account was closed, and I never received any letter notifying me of the closure. I called chase again to inquire on how the payment terms, closure reason, and XXXX reporting practices on XX/XX/XXXX and was not provided the latter XXXX. I do believe this is a horrible and fraudulent business practice. Not only do I now have a credit inquiry but also XXXX be subject to a derogatory mark due to chase closing the account without reason. I am aware they can do so, but they did not provide a reason or opportunity for an appeal. This practice seems to be negligent to the consumers who use their services and trust they will not have the rug pulled from under them for no reason once so ever. Just because of an algorithm that should have ran prior to approving me to said card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WILL ATTEMPT ONE MORE TIME THRPUGH THIS METHOD, AS YPU CAN SEE THERE IS MULTIPLE COMPLAINTS THAT ARE JUST IGNORE AND CLOSED I am extremely tired and frustrated with Experian as they continue to ignore and lie about investigating my disputes. 

I sent out a dispute which was receive on XX/XX/2022 A FEW MINUTES LATER MY DIPUTES WHERE CLOSED I received a notification stating my disputes are ready, I log in to experian.com and stated that my disputes were unavailable, I got on the phone and called Experian and they told me my accounts were verified as accurate. 

As I learned my rights I came across a few violations. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. XXXX original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX I, XXXX XXXX XXXX never gave Experian 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 ( a ) 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 demanded deletion of the following accounts : Last but not least, I am requesting that you delete the following accounts asap due to incorrect reporting I will attach screenshots from credit report that I retrieved from the website : I WILL SUMMIRIZE THE TOTAL DUE FROM EXPERIAN DUE TO VIOLATIONS IS OVER XXXX, I AM NOT ASKING FOR UPDATE I AM ASKING FOR DELETION AND AMOUNT DUE UPON RECEPT OR I WILL GO XXXX AND PERSUE LEGAL ACTION I ASKED THAT MY PERSONAL INFORMATION BE UPDATED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX THIS AGENCY IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

SINCE ALL I GET FROM YOU IS VERIFICATION OF INFORMATION BEING CORRECT THIS IS MY REPORT RETRIEVED FROM YOUR SITE ON XX/XX/2022 I HAVE NOTED THE VIOLATIONS AND AMOUNT OF MONEY DUE TO ME. YOU CONTINUE TO GET ON HERE AN LIE TIME AFTER TIME PAYMENT HISTORY HAS MULTIPLE VIOLATIONS AND I DID THAT FOR YOU TOO
Product: Credit reporting or other personal consumer reports

It was reported to my Credit Reports that I was 30 days late 2 times. 
XXXX and XXXX. Both these months I made my payment. {$1400.00} paid in XXXX. I confirmed that I was not late on that payment. I made that payment from my XXXX XXXX Checking account. I also made another payment of {$9.00}. For my XXXX statement i made multiple payments totalling over {$57000.00}. These were also internal payments. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This has been a continuous, ongoing issue. On XX/XX/XXXX, and it includes TransUnion and XXXX, with XXXX being the main culprit for not removing inquiries after I notified them of them being unauthorized and reminded them of the police reports on file. 

I called XXXX to notify them that XXXX unauthorized inquiries on my credit report, I reminded them that I am a victim of fraud and that they have my police report on file. They told me to snail mail them a letter explaining the unauthorized inquiries, XXXX  affidavit listing the unauthorized inquiries with the police report number listed on it, and my driver 's license and social security card. They have prevented me from disputing anything online. 

Traumatized as a victim of fraud ( that took years to clear my name from ) as well as a victim of their XXXX data breach of my date, I told them I was not comfortable sending any document with my full social security number on it and they stated that they understood, but to send what I could. I complied and sent everything they required of me, including a copy of my XXXX card with the first XXXX numbers of my social security number blacked out. 

XXXX sent me a letter dated XX/XX/XXXX, demanding me to send a document with my full social security number on it. 

Again, not only can I not do that in good faith, but I sent more than enough information for XXXX to remove all of the listed unauthorized inquiries. I sent everything they asked for listed above, including a detailed XXXX affidavit and police report that they also have on file. 

Why would a company such as XXXX, who has underwent a databreach several times damaging the consumers demand that we send out entire social security number with the only option of snail mail, while not offering an option for secure uploads? They have prevented me from disputing online.
Product: Checking or savings account

On XX/XX/XXXX my husband wrote a check for {$2900.00} from our Joints Account with XXXX XXXX  to deposit it to Wellsfargo to complete funds for my mortgage payment to be drawn, but it was returned on XX/XX/XXXX for non-sufficient funds, after a few direct deposits went through on the XXXX to my XXXX XXXX account, then this same day the check for {$2900.00} was paid by XXXX XXXX  to Wellsfargo. 
However Wellsfargo bank would not make the funds available until XX/XX/XXXX, and also froze a direct deposit from my payroll making shown the account as XXXX balance and withdrawing funds from my husbands credit card account with Wellsfargo that is still linked on my checking account with Wellsfargo and my husband is not even in the checking account with me. 
XXXX XXXX XXXX XXXX phone payment was already rejected by Wellsfargo for non payment that is usually supposed to be drawn on the XXXX and the bank did NOT honor the payment because of the hold placed on the checking account. 
I spoke to Customer Service XXXX named XXXX and finally to an XXXX named XXXX and were able to acknowledge the serious situation where pending payments were supposed to be honored figuring the hold time placed on my checking account but they said they will escalate this case to other Managers and officials about it but didnt promise a quick response or release of the funds until someone reaches back to me up to XXXX business days. So I need help on this because my XXXX XXXX check that was processed to Wellsfargo was not only honored but was paid and drawn from my own XXXX XXXX  Account on XX/XX/2024 and is not yet available in my Wellsfargo account ending in XXXX
Product: Mortgage

I purchased this home due to tax ( XXXX ) I have reached out to the mortgage company for a remedy they have been uncooperative in providing me a clear title to the home # XXXX nor can Citi provide any original loan documents as the origination branch was closed. I was told bye the collection agent there was no proof of the loan via documents
Product: Mortgage

***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. 

I, XXXX XXXX am the trustee, estate representative. 

XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. 

The property is currently ( XX/XX/XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. 

This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. 

In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. 

*** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!? ***
Product: Debt collection

Hi, my name is XXXX XXXX and, This third party company racked up a new debt against me after they garnished everything they never closed the debt, it was removed from my credit report also after it was paid now they are saying I Owe them a new debt of XXXX $ this is wrong they already took everything. The company is Kimball, Tirey & St.Johns LLP. Im single mother of XXXX, and Im struggling they knew this and they are taking advantage of my Situation. Please if theres any way to resolve this my email is XXXX I would like to put an end to this best for once and all. Thank you.
Product: Debt collection

I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX  ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXX XXXX  XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.
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 affect the 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 this did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt or credit management

XXXX Is my original complaint but this also goes along with it because I did in fact forget about a few other things that they have also done.. they have NEVER HAD me agreeing ever to get anything out my mine and my grandfathers account and they did. I have to get the correct amount and date but should have them all by this week. they dont it not once but a few times thats why we also went ahead with checks again cause they was also stating that my payment over the phone did not go through but IN FACT it sure did. XXXX XXXX also is getting involved with this because he thinks this might could be federal and definitely classified under fraud so he as we all are is waiting to get those papers from the bank and to prove they are scamming our family and not just ours so many others. Honestly it looks like I might not be the one thats having to sue for my money, non stop harassment, emotional damages this list could go on so I cant wait to share these PAPERS not only with CFPB but SPS to get the new also involved. In the previous message in CASE number XXXX I thought they never cashed it but look at that date XXXX, when they said they was destroying it [ NOT SENDING BACK ] was a red flag its self but then we seen this last night and just have to upload cause that right there showes you how much weve already paid in just that little of timing and paid 2 times per month even on most so if anything we are over paying and thats probably one of the reason why they want the home.. they got it paid for XXXX 6.600 % and have paid that since XXXX Now its showing on their paper XXXX. no, absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account and inquiry are not mine they was made without my permission, consent. Inquiry and account. Bank Of America Inquiry : XX/XX/XXXX, XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting a bankruptcy on my credit. They state that XXXX XXXX verified the bankruptcy, but XXXX XXXX is denying verification of said bankruptcy.
Product: Credit reporting or other personal consumer reports

So during the COVID 19 I was experienced hardship like everybody else and instead of staying and incurring rent that I was not going to be able to pay we agreed for an early termination of the lease and even thow I left the apt company still received government funds in my behalf and are still trying it say I owe them money I have asked so some type bill and I get nothing expireran is completely unwilling to help me in this situation
Product: Debt collection

On the following dates, I received a robo call from this company: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time, it was a robo call and when I called back, they would hang up. On XXXX I called back and the person who answered refused to give the address of the business, any information required under the The Fair Credit Reporting Act, 15 U.S.C.  1681, and would hang up on me when I would ask for a mailing address or original creditor. After being hung up on, I called back and the person who answered shouted a social security number, date of birth, and drivers license number before I even had a chance to give them my name and then refused to provide me any information. Due to the violations of the Fair Credit Reporting Act and release of personal information, I will be following up with my attorney. I have asked them repeatedly to stop calling me and they continue to send me robo calls. If this continues, I will file a harassment suit as well in addition to the discharging of any claimed debt which I completely dispute. They also provided false information and after a complaint was sent to another company I was able to locate their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been unable to obtain my free Experian credit report on XXXX. I receive the message, " A condition exists that prevents Experian from being able to accept your request at this time ''. When I have contacted Experian they offered to send me a report by mail or suggest that I access the report on their own website. The mail takes time and isn't secure. Their own website attempts to sell me services that I'm not interested in. They haven't provided a solution to fix the actual issue. Most recently when I tried to contact them I was unable to get past the automated system. There wasn't an option to reach customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX XXXX  multiple times and they kept on sending me these past statements and stating that the account is valid. I understand that they might have a valid account but this account does not belong to me and I Have been stating that since I first noticed the tradeline on my credit profile. at the time, when I called to question the account, XXXX sends me a letter stating that they never issued a credit card to me and that the error will be corrected. Fast forward to date, the account is valid and accurate?. 

I attached a letter from XXXX  dated XX/XX/2021, with a USPS stamp date of XX/XX/XXXX, XXXX the letter stated in short, that they investigated the account and confirm the debt. and that they declined my request to provide additional information to validate this debt. 
XXXX has not provided any proof that this debt belongs to me, all that they send are copies of statements that do not prove that I had access to this account, that I benefited from this account, nor did I signed for or even applied for such account. I spent a lot of time going back and forth with XXXX Bank on this matter, I would like this account blocked from my credit profile.
Product: Money transfer, virtual currency, or money service

I deposited a check from my mother for {$600.00} on XX/XX/year>. It is now XX/XX/XXXX and the money is still not in my account. They said a maximum of XXXX business days and it is now been XXXX. I have Spoken to multiple Cash App representatives. And all they can give me is the same robotic response. That vaguely tells me my money is on the way. They have given me a date and time that my money should be deposited three different times now. All have come and passed. When I try pressing for more information All they tell me is that they can not give me more information now. If I press further they just close the chat. I feel like i'm being robbed by the XXXX XXXX itself.