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

On XX/XX/24 a transaction hit our business account for {$7200.00} from XXXX XXXX XXXX XXXX. We called the bank ( Wells Fargo ) within 30 minutes to claim fraud. They said it could take up to 10 days to investigate, but did not credit us in the meantime leaving us stranded out of state with no way to get home and had to sleep in the car with my XXXX  and dog. The card was shut off in XXXX, but without knowing the card was used 2 days prior to being shut off at a XXXX for a rental car and XXXX  put a hold on the card. The card has my name on it, but XXXX  did not contact me nor get my authority to run my card. I did not rent the vehicle nor was I in XXXX where the car was rented. XXXX got the name and social security of the guy who used my card, but ran my debit card. XXXX had to hire a private investigator to find the car because the guy did not return it. We filed a police report because the guy used our card and basically stole the vehicle. XXXX tried to charge another $ XXXX but the bank caught it and declined it as fraud, but still holds us responsible for the first transaction that we did not make for the {$7200.00}. Wells Fargo also decided to charge us overdraft fees for transactions for purchases we made 1-3 days prior to the bank being overdrawn by the XXXX transaction because they wanted to take all the money they could for the big transaction. I don't know how they can charge you overdraft fees for purchases you clearly made when you had money in your account. We went in person to Wells Fargo again to try to get them to fix this fraudulent issue, but again said it would take up to 10 days and they will investigate. They have done nothing and now it's been almost a month since we have been dealing with this issue with zero hopes that it will be fixed. I should not be held responsible for a transaction I did not make and budget did not have the authority to use my card with my name on it without my permission or even getting a copy of my driver license to make sure it was a legitimate purchase.
Product: Debt collection

This is not my debt. XXXX XXXX shows I have no debt
Product: Payday loan, title loan, or personal loan

I spoke about my XXXX $ i have been paid on XX/XX/XXXX, i splain didnt have job for covi19, but i waitinng for money..he rescheduled a paynent for this moth XX/XX/XXXX th ..But the company OPORTUM.whos i always ii paid on time and its my XXXX loan sent me a letter charge me late fee snd interest, i called back again and they didnt want eraser the late fee and intereses for late they didnt understand, iwe have and emergency problem. and dont have work ... i tried paid the late amount but they still want charged me late fee and interes rate ..they dont want help ..i want paid but not interes rate not late fee ... XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX is attempting to collect on a debit they purchased from Capital One. They claim the account number from Capital One is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with Capital One ended in XXXX. I paid the account in full XXXX of 2013. Capital One failed to properly record my payoff. Capital One tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to Capital One 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). Capital One 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet Capital One sold XXXX of the accounts to XXXX. How many times must I be harassed over a paid account? 
I wrote XXXX after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If Capital One 's counsel failed to notify Capital One of the law suits outcome and or Capital One failed to notify Portfolio that is not my problem. 

XXXX has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.
Product: Mortgage

In XX/XX/XXXX, I received a written Annual Escrow Account Disclosure Statement dated XXXX XXXX, 2015 from XXXX XXXX Mortgage explaining that I had too much money in my escrow reserve account. The letter included their Check # XXXX dated XXXX XXXX, 2015 in the amount of {$210.00} with my name as the Payee. I attempted to cash that check on XXXX XXXX, 2015 at a branch of XXXX XXXX XXXX where I have several accounts. After 30 minutes and several phone calls, the XXXX representative advised me that Sierra Pacific REFUSED to honor the check -- the XXXX representative told me that Check XXXX was no good and I had to contact Sierra Pacific to get the issue resolved. I immediately called Sierra Pacific at XXXX and spoke to their representative. She told me that Sierra Pacific was aware of the problem, that there were several accounts with the same issue, and that Sierra Pacific would immediately issue a new check and mail it to me on Friday, XXXX XXXX and I would receive it by Tuesday, XXXX XXXX. On Friday, XXXX XXXX, I again contacted Sierra Pacific at XXXX and spoke to another representative and I learned that NOTHING had been done. I requested to speak to a supervisor and my call was placed on hold -- I remained on hold for 40 minutes. I called back and spoke to a representative named " XXXX '' and she also placed me on hold waiting for a supervisor. I learned that customers requesting to speak to a supervisor were simply put on hold and the majority of those calls were not ever picked up. I was able to convince XXXX to give me their Fax phone number and she also allowed me to leave a Voicemail message in the supervisor mail box. The Voicemail message stated that it belonged to a supervisor named XXXX. I left an informative message in that mailbox. Also, on XXXX XXXX, I faxed my letter to Sierra Pacific Mortgage to their Fax number at XXXX and requested my replacement check to be mailed immediately. I have verification that the Fax was delivered successfully. I have not received the check .. I have not been contacted by any representative of Sierra Pacific Mortgage. This insulting lack of customer service is unacceptable. I want the replacement check in the amount of {$210.00}.
Product: Credit reporting or other personal consumer reports

It came to my attention that I have 1 late payment and I was never late. Consumer Reporting Agency play an important role in guarantee the accuracy of consumer reports. I have never been late for Nordstrom/ TD acct : XXXX Please investigate the accuracy by providing proof of statements showing that I was late. If payments can not be provided, I demand this payment to be updated to on time payment because I was NEVER late. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$1800.00} XXXX  XXXX XXXXXXXX Balance : {$700.00}
Product: Credit card

I contacted AMEX on several occasions : XX/XX/XXXX ( exact date unknown ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I requested to cancel my card to prevent further purchases. Despite this, a purchase was made each month, and I received a different excuse each time. One representative mentioned that a " hard block '' was needed and that the previous rep hadn't done it, so they did. The following month, when I was charged again, they claimed that recurring merchant charges needed to be marked as well. It was one excuse after another. In my XXXX years, I have never been so frustrated that I felt compelled to file a complaint. The incompetence is staggering. Does AMEX not properly train their employees?
Product: Payday loan, title loan, personal loan, or advance loan

The company was misleading. They had me sign up for things I didnt know where an option like the insurance.
Product: Vehicle loan or lease

when I purchase this car I bought extra coverage in case of damage to the car from XXXX Toyota called Guaranteed Auto Protection ( GAP ) program from Toyota Financial Services. According to my loan contract ( attached ) no other insurance is required. Also my auto loan is with Toyota Financial Services. On XXXX I has a collision which my car was totaled and the police officer at the seen suggested I put the car in impound. I contacted Toyota financial and the told me they 're going to have the car towed to the nearest dealership, I also contacted the Toyota GAP to file claim and they told me the the Toyota financial services loss department has to file the claim. I also contacted my insurance and they denied the claim since it was my fault. I received a letter requesting my insurance information from Toyota and I fax it to them with police report. It took over 8 months for the account to go to loss department. I contacted the loss department and I told them that I have GAP ins and they told me loss department has to file the claim they told they would. Every time I called the Toyota GAP they told me and transferred me to Toyota loss department and would n't help me. I was transferred so many times between the department and I did n't receive any request for document except the intitial insurance information. I waited 5 months when I called Toyota loss department they told me that Toyota GAP has denied the claim and that my file is empty and they have nothing to provide Toyota GAP. Also they did n't know why Toyota gap denied claim. I called Toyota GAP and they transferred again to Toyota loss dept. and they transfer my to Toyota recovery and they told me that the account has gone to collection and they wont take calls from me that whatever question I have to call the collection department. The collection would n't help me I called so many times Toyota GAP till I got the letter enclosed the requested item from Toyota GAP to pay the claim and I see that Toyota loss department could have provided all of these items and I have them too with the exception of the " lienholder/lesser report '' in lieu of the repair estimate. I need this form to have the claim paid. I want this file reopen and all of item on the Toyota gap request to be sent to them to have claim paid and writ off to be removed from the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX AXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} Status Account charged off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a past due auto loan with Flaggship Acceptance, with a balance of {$780.00} I received 2 phone calls by an agent named XXXX on Tuesday, XX/XX/20 at XXXX and XXXX pm. XXXX left a voicemail on each call breaking FDCPA. By law only 1 voicemail can be left daily, multiple calls can be made within a 2 hr window. The voice messages were save on my phone. This is considered harrassment, abuse and unfair debt collection practices under the Federal Trade Commission. I spoke with a Supervisor ( XXXX ) who stated he didn't see record of 2 calls being place but assured me he would be filing a complaint and provided complaint # XXXX for my records. After speaking with him this morning, I received an email regarding the delinquency of this debt and to contact their office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts will be corrected. 

XXXX XXXX Balance Owed : {$85.00} ; XXXX XXXX Balance Owed : {$4900.00}
Product: Credit card

i keep getting credit card offers from Chase bank acting on behalf of other companies like Southwest, Marriott etc, i have called chase and they keep telling me i wont get anymore but i keep getting them, i subscribed to XXXX etc to stop getting pre-approved applications how else can i stop this. it just seems that chase can do whatever they want with no consideration to the public 's wishes
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 299 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX XXXX - XXXX - {$4500.00} XXXX XXXX  XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX  XXXX XXXX. - XXXX - {$9600.00} XXXX XXXX - XXXX - {$920.00} XXXX XXXX XXXX  XXXX XXXX. - XXXX - {$850.00} XXXX - XXXX - {$0.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

My wife had a Bank XXXX XXXX XXXX account and original statements from 2003 onward show only her name. I used a second card for a short time to increase reward points but stopped because of the card 's inconveniences. I was never an " owner '' of the account yet I discovered that XXXX had me as an owner and my name on statements in later years. XXXX claims I could not have been added as an owner without my permission. Upon request of proof that I asked to be an owner, they were unable to find any. They took me off the account and I have a letter from them showing I am no longer on the account. In the meantime, my wife settled her debt and is paying XXXX monthly via XXXX XXXX which is a credit consolidation/repayment firm. My issue of complaint is that Experian refuses to remove the months of non-payment while the debt was being settled from MY credit report. They have it as a negative on my account even though I have shown them the letter from XXXX stating it is not my account, and XXXX  has no evidence proving I ever asked to be on the account. When I file a dispute through their automated system, they simply reply " XXXX  confirms the info is accurate. '' I have provided them with the letter stating I am not an owner of the account. I don't know what they are getting from XXXX- maybe just confirmation the account exists? But since it's all automated, no human seems to be seeing the evidence properly. Experian is not asking for proof that I have asked to be an owner, only taking the word of XXXX? All the other credit agencies have removed this from my report in good faith after I provided the XXXX letter stating I wasn't an owner. But Experian does nothing but go in automated circles. Before they simply believe that I was an owner, they need to ask for proof that I requested to be an owner, as I have done. When they're given no proof, they should clear this from my otherwise always perfect report.
Product: Debt collection

On XX/XX/2020, at XXXX XXXX  I received a call from a number I did not recognize. I do not answer numbers I don't recognize. Shortly after I had the following text exchange with the number who I will call XXXX ( he later revealed his name ). 

-- - XXXX  : Avail for a call? 

Me : who is this? 

XXXX  : Hey [ MY NAME ] .... this is XXXX. I just tried to call you and sent you an email Me : XXXX who? i don't know a XXXX. 

XXXX  : Look at the email, and then let 's talk!! 

Me : no thanks XXXX  : No, we haven't met ( yet ) This is about your XXXX  account XXXX : I am XXXX XXXX ... .. this is my cell, so you can reach me here anytime Me : i don't have an account with a company called XXXX. this is an incredibly unprofessional way to contact someone be it for business or personal means. do not contact me again. 

( Here I received a call from the cell number again, then a call from a second number ) XXXX : This is MOHELA. 

Me : then contact me through a verifiable company number and not a personal cellphone. the XXXX kind of business practice is this? and maybe do it during regular business hours? thanks. i'll be filing a complaint with the FTC. 
-- - I called MOHELA shortly after and asked to file a complaint about an employee who was using a personal cell to contact me. I was directed to their branch called XXXX  and the office was closed.
Product: Debt collection

On or about XX/XX/XXXX I spoke with them and asked them for an itemized list of charges that the insurance company did not pay. I told them that I would call them once I got with the insurance company to try to get this resolved. On XX/XX/XXXX at XXXX XXXX  they called again and I told them I did not know anything yet. On Friday XX/XX/XXXX XXXX they called and left a message that stated " This message is intended for XXXX XXXX. If this is the wrong number for XXXX XXXX please call me back at XXXX to move the number from our system. If you are not XXXX XXXX hang up. If you are please listen to the message. You should not listen to them message if you are around other people it does contain personal and private information. My name is XXXX. I'm with Receivable Recovery Partners this is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. Please call me back regarding this matter at XXXX. Thank you. on XX/XX/XXXX the called again at XXXX XXXX and told them to stop calling me that I would call them when I heard something from my insurance company. Again on XX/XX/XXXX they called me after I told them to not call me and that I would call them. They left another message as before.
Product: Student loan

Private loans from XXXX tech were disbursed on my behalf in a fraudulent manner and the loans need to be cancelled/discharged. Proof and documentation are included.