23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to remove the following unauthorized inquiries, I'm now requesting your companys Method Of Verification in response to the company 's verified response. What physical documentation did you verify the following accounts/inquiries that says their mines. Inwhom did you speak with and when. What method of communication taken place. I'm asking that you/ your company 's remove this inquiries or give me physical documentation to support your claims. The unauthorized inquiries are as following, ( 1 ) XXXX XXXX  (XX/XX/XXXX ) ( 2 ) XXXX XXXX ( XX/XX/XXXX ) ( 3 ) XXXX XXXX  ( XX/XX/XXXX ) ( 4 ) XXXX XXXX (XX/XX/XXXX ) ( 5 ) XXXX XXXX  (XX/XX/XXXX) ( 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX XXXX XXXX  ( XX/XX/XXXX) ( 8 ) XXXX  ( XX/XX/XXXX ) ( 9 ) XXXX XXXX (XX/XX/XXXX ) ( 10 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( 11 ) XXXX XXXX ( XX/XX/XXXX) And the following account, I'm also seeking the Method Of Verification for, ( 1 ) XXXX XXXX XXXX, {$0.00}
Product: Money transfer, virtual currency, or money service

My odyssey began XX/XX/XXXX when I attempted to pay off my mortgage with a money wire from XXXX joint checking to XXXX servicing. To date Myloancare has not located the funds. Calls to XXXX and MyLoancare have not been successful in locating the funds. I am hoping that this attempt might have results toward the location of my funds, securing them. What was to be a joyous milestone has turned into a road trip nightmare.. 

My instructions from MyLoancare are as follows and we confirmed with XXXX and Loancare that all the information is correct : XXXX XXXX XXXX  Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Route : XXXX Amount : {$100000.00} Account XXXX Attention : Payoff Department Loancare Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Notifications were received as follows : XXXX XXXX XXXX  Wire in Transfer Progress Reference Number : XXXX XXXX XXXX XXXX  Wire Transfer Complete - Reference Number : XXXX XXXX XXXX XXXX  Outgoing Wire Reference Number : XXXX Asking for any help in the matter of locating my funds returning them to my accounts or applying to my load mortgage pay-off. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied online for a installment loan i was contacted by this company Prosper Loans rep. named XXXX XXXX he asked me how much i was looking for and what purpose i told him i was looking for a XXXX XXXX dollar loan for two years he stated he could help me his company was one of the best so he paused then he told me that i could get the loan but he had to deposit some money in my account and i had to send it back by XXXX XXXX but not to him but some one else at first i was a little scared but he said dont worry you will have your money so igave him my account number and other info he sent XXXX dollars very fast so i ask why cant you send me the documents like that he said i will give you a name of the person to send it to and what state i sent the money back by my XXXX XXXX  app he stated you will get your loan in a couple of hours so he hung up he called me back in bout thirty minutes i asked him where is the loan he told me he would have to send more money before i could get the loan itold him that if he could send me that he could send the loan he sent more money to my account and i told him no! my problem is who are the people he wants me to send the money to and why XXXX XXXX XXXX
Product: Bank account or service

A bank teller called and advised I had been pre approved for a no fee, no interest, credit card. She declared all I had to do was give her the okay and the card would be sent to me in the mail. I advised I would come in, in person and discuss the card. I did visit the branch that called in XXXX, Ut in the XXXX 's XXXX on XXXX XXXX. In person the teller and manager were present. I asked again about the fees and limits of the card. I was advised again this was a no fee, no interest ( for term of no interest ), and that the limit was {$2000.00}. The teller advised she would send the information in for the card to be issued and she would call me back to advise if I wanted a higher limit. I then asked if this was an application to apply for a card, and I was very direct I did NOT want to apply for a card. She assured the card was already approved, and I was guaranteed to receive a credit card as I was already approved for this particular card. She indicated which card I would be receiving. I lastly stated, I do NOT want anything sent in as an application and only want to accept the card if it was guaranteed I was pre approved for the card and NOT the type where a person is pre approved to apply. Again she assured it was NOT a pre approve to apply. I said okay, go ahead and send me the card. She advised she would call in a few days and I never heard anything. I called the bank and was advised the card was still in review. I did not understand this. Today I called, XXXX, and spoke to the manager. She stated the application was declined and could not say for what reason. I discussed with her the matter and she could not explain and seemed at a loss for words. I then Spoke with XXXX XXXX XXXX, the district manager XXXX not sure of the name spelling ) at XXXX. He advised he would look into what had happened. 
I am sure this practice happens often and is directly misleading causing undue inquiries and stress of customers. I have dated a woman from a bank who advised many times the individual banks will run contests for the workers to see who can get the most credit applications, new accounts ect. I am aware the difference of being pre approved " to apply '' and pre approved for a card. I had the exact same scenario with America First who stated the process just as US BANK had. the difference was in less than XXXX business days I had the promised credit card in the mail. 
I do believe there could be enough falsely led individuals in the same situation to investigate and possibly result a class action suit
Product: Debt collection

I made a payment to Wells Fargo for a personal loan that I took out. The check I made the payment with was more then the amount owed including interest. There was any over payment of roughly {$700.00}. When I call the bank regarding the check, I was told that the amount was paid in full to the cent with no over payment. This is a blatant attempt to steal money from their customer. When I requested they refund my money as soon as possible, I was told they would need to investigate this even though I have the receipt showing the amount that was paid as I made the payment at a branch. They should refund the money once the receipt was provided without having to do any investigation taking up to 7 days. We both know what the amount owed is, I have the receipt which shows proof of payment and the over payment. This should be easily resolve and yet they are going to take 7 days. Seem they are eager to steal more money from their consumer and want that 7 day to figure out a way to do that.
Product: Credit reporting or other personal consumer reports

Resurgent Capital Services L.P. and LVNV FUNDING LLC are using deceptive forms to verify debt and reporting said debt to my credit file. This debt is inaccurate & unverifiable. I demand that Resurgent Capital Services L.P. and LVNV FUNDING LLC cease debt collection activities & remove this inaccurate, unverifiable debt from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute and express grave concerns regarding the deceptive forms you have furnished in connection with your debt collection efforts. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing 15 U.S. Code 1692j, which prohibits the use of certain deceptive forms in debt collection activities.

Account Data Listed Is Fraudulent Account Data Is Fraudulent & Inaccurate. Delete It Immediately.

Your collection practices have included forms that misrepresent or deceive consumers, which is a clear violation of federal law. Section 1692j of the FDCPA explicitly prohibits debt collectors from using forms that are likely to create confusion or mislead consumers about the nature or status of a debt.

I demand that you immediately cease using any deceptive forms in your collection activities and provide assurance that such practices will not continue in the future. Additionally, please provide me with copies of all forms and documents you have used in connection with your attempts to collect this debt. 

Furthermore, I demand the immediate deletion and removal of the debt you are attempting to collect from your records. This debt is disputed and violates the FDCPA. Therefore, any further attempts to collect or report this debt will be considered a violation of federal law. 

I expect a prompt response to this dispute letter, confirming that you have ceased the use of deceptive forms, providing me with copies of all relevant documents, and confirming the deletion of the disputed debt from your records. Failure to comply with these legal requirements will result in my pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action against your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX See attached forms.
Product: Debt collection

Experian refuse to correct and properly investigate dispute and update account as disputed XXXX XXXX acc # XXXX account is disputed and should be documented on account this is a violation fcra section 1692 E 8 not reporting as disputed by consumer
Product: Debt or credit management

I was called my a lovely young lady the other day in which I had spoken with someone already and notified them to give me two to three months to compare with my care takers notes who has passed away because I was in another state they did send it to me email I got the paperwork have filed it out and was waiting to come up with the money to affirm a notary or try to find a free one I gave not found a free one nor do I have the money to pay for a notary or the ride to get there I had a supervisor get on the phone try to trick me into saying that these cards belong to me and then try and say the address belonged to me then he had the odasity to call me a thief in so many words wouldnt allow me to talk or explain the situation and then he went on to say they would keep calling and harassing me XXXX XXXX XXXX XXXX XXXXnd I have numerous XXXX XXXX XXXX and one of them being XXXX XXXX I hade to hang up the phone because XXXX XXXX XXXX XXXX XXXX XXXX  because of the pure disrespect this company was having towards me.
Product: Credit reporting or other personal consumer reports

Ive been calling Equifax every day for past 3 days and they will not help me. This is my 6th time trying to fix this situation with Equifax and they do not seem to care what goes on, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 20 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Equifax has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant depression and stress, please help.
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, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

On multiple occasions, I have had a hotel place a deposit hold on my account, but even after they finalize the transaction, Cash App continues to hold the funds and demands a letter detailing the transaction, on company letterhead. The falsely insist the merchant is the one holding the funds, when the merchant has blatantly finalized the transaction. In the instance of a merchant legally changing name ( or the XXXX XXXX in XXXX, NV became the XXXX XXXX - very publicly ) Cash App will not accept the letter due to the name difference. 

This is blatantly using excessive holds and misinformation so that Cash App can capitalize on the misheld funds to earn interest from the money it should have released. The expectation that consumers and merchants need to take hours out of their day to kowtow to Cash App 's requirements of a letter that states what has already happened with the transaction, all while lying to customers about who has those funds on hold, is absurd. 

My most recent transaction began XX/XX/ and Cash App is stating that the merchant has not finalized the transaction ( though they have completed the transaction ) and that the funds will be held until XXXX or later. In order to get the funds released at that point, I will again need to initiate a.suolort request and once.more.beg to be given access to my money. If I do not do so, they will hold it indefinitely. 

This is theft of income, as they are keeping the interest they earn from my money in their account, while deflecting the blame onto a merchant that has nothing to do with the hold on my money.
Product: Mortgage

On XX/XX/XXXX last year. XXXX XXXX XXXX didnt renew my homeowners insurance.Reason my roofs 20 years, insurance want me to replace new roofs but I cant afforded, because XXXX XXXXIt took me almost a month to find XXXXa fair plan property insurance to coverage my home insurance.Its went effective on XXXX XXXXwhile its had been overlap period of XXXX no insurance cover.My Mortgage sent me a escrow insurance bill for XXXX dollars and I contact customer service to pay my XXXX dollars overlap.on XX/XX/XXXX XXXXFreedom mortgage company sent me a statement said : we have safeguards in place to ensure there is enough money in your account to cover your homeowners insurance.but not taxes because I pay separately.FM insurance said base on our recent analysis, you have a shortage of {$510.00} in your escrow account.This shortage likely was caused by changes insurance, a shortage may also result in full monthly escrow payments have not been made to your account.We will automatically spread the shortage amount over 12 months of future monthly escrow payments. Thisll be reflected as an increase to your monthly mortgage payment.My current payment amount is XXXX and the New payment will be ) XXXX Effective date XXXX tried to contact FM mortgage customer service couple times to remove or exclude escrow account out and resolve this issues problem, but I was denied.Thank you very much for give me a chance to writing about this difficult problems. Sincerely yours : XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Recently i did a investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am trying to link my cash app to my XXXX bank card and it keeps telling me I cant
Product: Debt collection

We got a call from Macy 's department store on XXXX XXXX, 2016 asking me to contact them immediately. I did and to my surprise they told me that I have a balance of {$150.00} which is two month delinquent. They also told me that they have informed all credit bureaus, which basically ruined my credit score. I have worked so hard to keep my credit clean for 20 years and is ruined now because of {$87.00} worth of purchase that I have never made. 

I used to have an a/c at XXXX 15 years back but never purchase anything from Macys. I told the Macy reps that it is a case of fraud and I did not use or authorize anyone to purchase on my behalf. They referred my cast to their fraud unit and she told me that I need to find a claim and she would send me claim form and I need to know my account number and the amount owe. I told her that I did not have an account and if she can send me the billing statement. She told me that the company policy does not allow that. After pressing she agreed to send me the billing statement through e-mail. During that discussion she told me that they have an old email ID that I do n't use anymore. She told me that the company acquired another company and the e-mail system got all messed up. 
During her discussion she asked to call her back again now with my wife to make sure that she did not make any purchase. I told her that this is my account it has got nothing to do with my wife. But, I wanted to settle this issue as soon as possible. 
We called back the same night and again went through the same procedure. The XXXX fraud unit specialist promised that she would send me claim form, billing statement, put stop request for collection or debt reporting. 
I have been getting 3 calls per day since then from Macy ' Debt collection and they just advanced another month of delinquency and thereby ruining my credit. I have worked so hard to keep my financial record clean and had an average score of XXXX. Now, it is ruined because of Macy 's. Please help.
Product: Mortgage

The 1st mortgage company ( Shell point Mortgage ) denied 2 contracts placed on the property requesting more money. When the last bid was sent in on property the 2nd mortgage ( XXXX XXXX ) refused and is now requesting more money, this process has been ongoing for 7 months now. I don't want to go into foreclosure but at this point I am getting so stressed out that I just want the process over and done. 
If you turn down 2 offers, second investor know the property is on the market for twice its value, knowing that it needs a outrageous amount of work done on structurally on fountain. 
Not only did XXXX refuse to grant the original offer But they decided to increase the asking amount at the table to {$34000.00}. To be paid by me at the day of closing which is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXX  # XXXX n accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXX # XXXX n accordance with the Fair Credit Reporting Act XXXX  Account/XXXX XXXX # XXXX n accordance with the Fair Credit Reporting Act XXXX  AccountXXXX XXXX # XXXX 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, othe than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 S-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

It was recent brought to my attention that there were hard credit inquires from XXXX XXXX XXXX ( Transunion ) on my credit reports dated XXXX/XXXX/XXXX. These were done without my authorization or consent. I have no knowledge of this and would like for them to immediately remove it.
Product: Vehicle loan or lease

I am filing a formal complaint against Stellantis regarding its mishandling of my auto loan payment, which has unfairly resulted in a negative impact on my credit score. Despite my repeated proactive efforts to address this issue, their company provided multiple assurances that my automatic payment would not be processed or affect my credit. However, these promises were not upheld, and my credit has now been damaged due to Stellantiss failure to manage the situation appropriately. Furthermore, Stellantis has been slow and unresponsive in addressing my dispute. 

Summary of Events XX/XX/XXXX : My XXXX XXXX XXXX was involved in an accident. 
XX/XX/XXXX : XXXX XXXX declared the vehicle a total loss. 
XX/XX/XXXX : I contacted Stellantiss payment department to report the total loss and was assured that the automatic payment scheduled for XX/XX/XXXX would not be processed. Based on this confirmation, I did not make any changes to my auto payment settings. 
XX/XX/XXXX : Contrary to the previous assurance, Stellantis automatically withdrew the XXXX payment. Upon contacting your company, I was informed that since XXXX had only reached out to Stellantis on XX/XX/XXXX, the payment was still processed. I was told that I could request a refund after the insurance payout was completed. 
XX/XX/XXXX : I discovered a significant drop in my XXXX XXXX XXXX due to a " bad mark '' reported by Stellantis. Upon reaching out to Stellantis, I was told that the XXXX payment, which was not deducted on the XXXX as expected but instead processed on the XXXX, was marked as late. This 12-day delay was caused entirely by Stellantis, yet I am now being penalized for it. 

Failure to Address the Complaint Promptly Despite multiple attempts to resolve this issue with Stellantis, my concerns have not been adequately addressed. Their representatives repeatedly assured me that my automatic payment would not be processed, yet it was withdrawn late, and now my credit score has suffered. Additionally, Stellantis did not take immediate action upon receiving my dispute, demonstrating a lack of accountability and responsiveness.