23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES STOLE MY IDENTITY AND HAS FRAUDULENTLY APPLIED AN ACCOUNT ON CONSUMER REPORT DOES NOT BELONG TO CONSUMER. CONSUMER HAS PROVIDED DOCUMENTATION AND COMPANY REFUSES TO REMOVE FRAUDULENT ACCOUNT. COMPANY DOES NOT HAVE PROOF OF ORIGINAL PROMISSORY NOTE NOR PROOF OF WET INK SIGNATURE TO THIS " CREDIT CARD ACCOUNT ''. COMPANY PORTFOLIO RECOVERY ASSOCIATES HAS VIOLATED SEVERAL LAWS AND WILL RESULT INTO LITIGATION IF THIS FRAUDULENT ACCOUNT IS NOT REMOVED FROM CONSUMER REPORT. PORTFOLIO RECOVERY ASSOCIATES INC IS COMMITTING SECURITIES FRAUD AND WILL NOW BE FILLING OUT A 211 FORM DUE TO PORTFOLIO RECOVER ASSOCIATES VIOLATING THE LAW. PORTFOLIO RECOVERY ASSOCIATES IS LISTED ON THE SEC WEBSITE AS : XXXX XXXX XXXX File Number : XXXX, EIN NUMBER XXXX, ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PRINCIPAL EXECUTIVE OFFICER XXXX XXXX XXXX XXXX Principal Financial and Accounting Officer XXXX XXXX XXXX XXXX THIS COMPANY ILLEGALLY BUYS DEBT PENNIES ON THE DOLLAR WHICH IS AGAINST THE LAW AND TRIES TO MAKE CONSUMERS PAY FRAUDULENTLY. YOU HAVE 4 DAYS TO REMOVE THIS DEBT OFF OF CONSUMER REPORT. LEGAL DOCUMENTS HAVE BEEN SENT TO COMPANY AND THE SAME LEGAL DOCUMENTS WILL BE ON CFPB.
Product: Mortgage

To whom it may concern, I am very concerned about whats going on with my property, RUSHMORE LOAN MANAGEMENT SERVICES approved a short sale on my property almost 4 weeks ago. RUSHMORE LOAN MANAGEMENT SERVICES agreed to sell the property at the current market value, Buyer paid for their own appraisal and now RUSHMORE LOAN MANAGEMENT SERVICES refuses to issue the short sale approval based on the licensed appraisal report.

RUSHMORE LOAN MANAGEMENT SERVICES told me that even though the value of the house is {$590000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES and their investor want {$620000.00} as penalty to my family and I for my background and for applying for a short sale. 

This response came to my family and I as surprise since we never knew RUSHMORE LOAN MANAGEMENT SERVICES can penalize me because of my background and the history of my property. 

Now were in big trouble because Buyer spent money on the property and I don't have any money to pay the penalties that RUSHMORE LOAN MANAGEMENT SERVICES claims to  have. 


Please help me since I really don't want to have any issues with the buyer. all im doing is the right thing to short sale my home to avoid foreclosure and its not fair that RUSHMORE LOAN MANAGEMENT SERVICES is trying to take  advantage of the situation at the last minute. 

XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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: Credit card or prepaid card

It all started on XX/XX/2022. My balance was {$1300.00}. Thus, I made that payment for the same amount. I had a balance transfer that month of {$870.00}. But, I had purchased {$680.00}. I called that month to figure out why I was charged interest on my XXXX statement and it was because I was reminded that I needed to also pay my purchases for the month. I then understood my promotional balance transfer offer to be : my payment would take the first minimum payment and apply it towards my balance transfer, then, the next payment application would go to my previous months purchases. Only then, would my payment apply back to my balance transfer. In XXXX, I reluctantly was only able to pay {$690.00} on my {$860.00} purchases, after removing my {$40.00} minimum payment. I didn't understand why I was charged so much interest. I called and was reminded that I did not completely pay off my XXXX purchases. Thus my 'interest balance by type was {$880.00}. I decided that I would not do another balance transfer until I paid off my purchases thus effectively utilizing the purpose of my balance transfer. Here is where my complaint comes into the scenario : I paid $ {$250.00} on a 'Balance by type : purchases ' of {$170.00}. With my mimimum payment of {$46.00} removed to be applied to my new balance transfer of {$1600.00}. I do not understand why I was charged {$2.00} interest. In XXXX, I paid {$1000.00} thus charged {$1.00} in interest due to that being the minimum interest charge. In XXXX I paid {$310.00} on {$270.00} with a minimum payment of {$43.00}. Doing the math, how am I charged {$2.00} interest when I paid very close to the calculation method. In XXXX, I paid {$550.00} on {$110.00} of purchases and was charged {$0.00} in interest. I thought the minimum interest charge was {$1.00}? Why was I even charged interest at all? I will never do balance transfers again. And thankfully I have put this all behind me financially. I did talk to a representative in XXXX and XXXX but only the XXXX rep was willing to reverse my interest charge.
Product: Credit card

I used the USAA XXXX XXXX XXXX to book a rental car on XXXX XX/XX/2023 for a trip to XXXX, RI from XXXX XX/XX/2023. The total charge was {$590.00}. 

The rental was fully cancelled on XXXX XX/XX/2023 with USAA, XXXX days prior to the start date of the rental and well prior to the final date allowed for the rental cancellation. 

Upon return from the trip, the rental car charges were still showing on my USAA credit card account ending in XXXX and I placed a dispute with USAA. A temporary credit was posted to my credit card account and was later reversed on XXXX XX/XX/2023. 

Multiple calls and letters have been filed with USAA over a XXXX period to get the charge reversed to no avail, with the last request submitted to USAA on XXXX XX/XX/2023.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I received a copy of my consumer report and I noticed a charge off from your company being furnished on my consumer report without my permission. I understand that a chargeoff according to 7 CFR 1956.54 is the writing off of a debt and termination of collection activity without release of personal liability. 

I am also aware that once an account is charged off by your company I should have received a 1099-C from the IRS by XX/XX/XXXX of the following year which belongs as gross income to someone ( me or your company ) according to 26 U.S.C. 61. However, I can state that as of today XX/XX/2022, I have not received NO such item from the IRS. If your company has sent me a 1099-C please show me proof that your company has by sending me a tracking number or a copy of the return receipt with my wet signature showing that I received a 1099C or a notice of receiving one. Please show me PROOF that your company did not commit aggravated identity theft or proof that you did not write this account off by showing me an audit trail as well as your accounting books which is my right as a consumer. If your company filed a 1099C, and you are still trying to collect on this account according to the IRS, you can be reported for fraudulent financial gain. Your company has continued to be willfully negligent throughout the years, and you have YET to respond to me with the items I request. This is my last time requesting your company to send me PROOF that your company did not commit tax fraud, and not furnishing false and misleading information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been making payments towards my car loan. Recently my co signer declared bankruptcy and my loan company stopped reporting my payments to the credit bureaus. So Im making payments and they are not reporting them. I will keep filing complaints until this is back on my credit report. I spoke with a lawyer and what their doing is illegal according to him. If I have to take further legal action I will. I want my payments and history being reported. I am the buyer and the one making these payments they need to report that.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and notice the following unauthorized accounts these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX, I called the Wells Fargo customer service XXXX XXXX ) to request a credit card limit increase, for card ending XXXX. XXXX, the bank rep, asked for three things : Stated income, debts and consent for credit inquiry. I had no problem with giving any of the information, except for the hard credit report inquiry. I requested a " SOFT '' inquiry instead and she stated she could not move forward with the limit increase until I consented to a hard inquiry. I requested to speak to a consumer complaint rep. 

XXXX, in customer relations, couldn't help either. He said the only way to increase my credit limit was by a hard inquiry, which appears, not, to be a true statement. He may not know it. 

I don't want to use the word lightly and accuse Wells Fargo of any type of discrimination, however, it seems inconsistent and some-what skeptical that after having a credit card since XXXX ( and a bank account for over XXXX yrs ) I have had the same limit of {$4600.00} since receiving the card. It's insulting! Especially so, when I have other card limits over $ XXXX, with other financial organizations. 
I know for a fact, of several family members who have received a credit increase without making a request. My husband received a generous automatic increase, that left him suspicious enough to verify its legitimacy with the bank. So, I know increases are made without a hard inquiry, or a consumer 's inquiry. My willingness to give consent for a SOFT inquiry is more than most. and my option to stay with WF bank for some long should come with more rewards than grief.
Product: Credit card or prepaid card

I have had an Amazon store credit card since XX/XX/2016. It is managed the Sychrony Bank. I have had my limit increased from the beginning of {$1000.00} up to {$1300.00} dollars. I have repeatedly always made my payments on time. They have reduced my limit now 3 different times and are damaging my credit score everytime because of reducing my open availability. There is no warning or reason given as to why they are decreasing my limit. I have had it with major corporations damaging the ability and credit of regular people making their payments on time. The current FICO system is flawed as it is. We as consumers do not need to be at the mercy of big banks making it worse for us to keep our credit profiles up. It is easy for them to bring or scores down quickly but it takes an army to get them to bring it back up when we are paying our debt service on time. I want my scores update correctly by the bureaus and my limits restored so my credit score reflects it. This is not the only company that has done this to me. It was also the victim of this practice by XXXX XXXX XXXX XXXX XXXX. Apparently this is an inherent practice by banks on their customers that pay on time and pay their obligations off.
Product: Checking or savings account

On Thursday XX/XX/XXXX a {$3800.00} deposit was made at a XXXX ATM at the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, Mi XXXX XXXXXXXX where we are members. The deposit was made with a Navy Federal credit Union XXXX XXXXXXXX visa ATM card into our Navy Federal CU Account. 

The ATM seized the card and kept the cash deposit. When the bank where the ATM is located ( XXXX ) was contacted they explained we would have to wait XXXX week for the ATM to be audited to access the money which would occurred on XX/XX/year>. 

Navy Federal was also contacted as they are our mortgage holder and they started a ticket to investigate as well, in attempts to find the deposit. 

After contacting XXXX XXXX Federal Credit Union again after the audit date on XX/XX/year>, they explained there was a technical issue and the ATM needed to be fixed. 

We waited more time and obtained an extension on our Navy Federal mortgage payment. 

On XX/XX/year> XXXX was contacted again to inquire about the missing funds. They stated at that time the ATM was correctly audited and the funds should be on their way to Navy Federal Credit Union. 

On XX/XX/year> - Navy Federal Credit Union finished their investigation stating that no deposit was made to them and the funds are not in their possession. They ( XXXX XXXX upon asking to dig further stated that they saw the attempted funds deposit transaction and marked it fraudulent under a visa transaction but have not excepted the money. They ( XXXX XXXX shared that the investigation was performed, they did their due diligence do not have the money and the ticket is now closed. 

We need help locating these funds and have made an inquiry with XXXX ATM as well with no response at this time. It is {$3800.00} deposit and we are facing foreclosure if we can not find the funds to pay our mortgage at Navy Federal. 

Any help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate items listed on my consumer credit report. 

Attached FTC Report, ID, and Supporting Documents
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was contacted by a man name XXXX XXXX  from XXXX Capital Finance. He advised me that I qualified for a loan of XXXX with 4 % interest with a monthly payment of XXXX starting on XX/XX/XXXX. He said I will deposit some money in your account to show good faith and verification of your identity. He then proceeded to tell me I would need to purchase XXXX XXXX gift card. Totally XXXX funds they put in my account. He asked me to read the card number and pin. And then told me the money would be in my account within 30 minutes. Which it was not. He said because the banks were closed it would be deposited tomorrow. No money was deposit now I owe XXXX to my bank. Im requesting the return of the XXXX to pay the bank
Product: Credit reporting or other personal consumer reports

I am writing to express concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and the Title VI Consumer Protection Act Law 15 U.S.C. 1681-1681x by Happy Money . Specifically, I am concerned about your credit reporting practices, which may include reporting payment delinquencies after the payment has been processed, rather than based on the date the payment has been received and Happy Money waiting to properly credited to the account. Moreover, it takes 5 days to change financial institutions if a customer would like to redirect their payment from an alternate account. Additionally, I am concerned about the potential marginalization of people of color who already have disproportionate credit scores. 

Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the Consumer Financial Protection Bureau XXXX CFPB ) was granted rule-making authority over the FCRA. The XXXX XXXX also introduced amendments to the FCRA, requiring the disclosure of credit scores and related information when a credit score is used in taking an adverse action.

It is essential to ensure that credit reporting practices are accurate and fair. Reporting payment delinquencies based on the date a payment is processed, rather than the date it has been received and properly credited, may lead to inaccurate credit reporting and negatively impact individuals ' credit scores and future credit opportunities. Such practices may be in violation of the FCRA, which requires fair and accurate credit reporting.

Furthermore, it is important to address the potential marginalization of people of color who already face disproportionate credit scores. The Title VI Consumer Protection Act Law prohibits discrimination in programs and activities that receive federal financial assistance. By marginalizing individuals with already disproportionate credit scores, Happy Money may potentially be in violation of this law.

In addition to the FCRA and the Title VI Consumer Protection Act Law, it is crucial to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Community Reinvestment Act ( CRA ). The FDCPA mandates fair treatment, accurate representation of debt information, and prompt resolution of consumer disputes. The CRA requires activities that meet the credit needs of all segments of the communities you serve, including historically underserved populations. Compliance with these acts is essential to maintain fair and equitable practices in debt collection and community reinvestment.

Lastly, it is important to assess and address any algorithmic biases in your banking algorithms. Biases in algorithms can perpetuate discrimination and unfair treatment. Executive Order 13985 emphasizes the need to address biases in algorithms used in decision-making processes.
Product: Credit card or prepaid card

I have a Capital One Spark Business card for a XXXX  XXXX  that I XXXX. Capital One offered a XXXX dollar reward for referring another business. I own another XXXX XXXX. 
It did not have a Capital One Business card. So I referred it. 

The small print on the offer stated : " To receive a bonus, you must refer businesses that do not already have a Capital One Business credit card. '' Capital One did not credit me the XXXX dollars and did not inform me. After a LOT of effort on my part they informed me that since I own both businesses I am not eligible. 

That is not what it states in the Small Print. If that was the case, then the Small Print should state : " the individual owning the referring business may not refer another business that the same individual owns ''.
Product: Vehicle loan or lease

In regards to a complaint with Ally Financial and the case being closed because the replied is at it seems. The first complaint was never responded with proof by mail or thru the CFPB. A request for accounting per GAAP regulations, which a consumer is completely entitled to. Ally representative sent a copy of a document which does not qualify as accounting is not proper verification. Upon looking and reading over the Contract, Ally Financials name was not placed anywhere on the document. Also while looking at the document there was no reference to Ally Financial placing a signature on this document. In the response all of the documents were not attached, missing was the Recission of signature document, all of the instruments that were sent to to Ally a the responses stating they do not accept payment in that form. 
Attached is a file claiming the account shows a Charge Off status. This has been done without any authentic real proof of claim. Four notarized Authentic documents sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial being a legal entitiy, a corporation in a different juristiction registered with government agencies. and other corporate entities. This being a natural person, physical person, with proof of being born in a juristiction not like the corporation.
Product: Debt collection

Upon inspection of my credit report, I noticed several accounts that seem to have been added without authorization and are inaccurate. I ask for these XXXX entries to be blocked and removed at once.
Product: Prepaid card

I received this gift card a few months ago and just decided to use it for an online purchase. It was declined twice at one store on XX/XX/23 and I tried to use it again at another store on XX/XX/23 where it was declined twice again. I have sufficient funds to make the purchase however now when I check the balance I see every attempted transaction incurred a pending {$0.00} charge. My {$45.00} American Express gift card is not only useless online, it now is only worth {$44.00} despite never using it. I have checked the American Express website to see how to resolve this issue but there is nothing of significance. I am not the only one with this issue as there are entire communities of people saying these cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. It's entirely unacceptable to advertise these cards as usable everywhere when that couldn't be further from the truth.
Product: Credit card

A massive problem ; I had a dispute with a copy in XXXX. They said, if I would end the dispute they would refund me. The issue is I do not know if I can trust them. I told this to the capital one agent who called. She said she would three way me on the phone at XXXX today. I see she already reversed the dispute without my permission and I am very upset. I do not like liars and I have gotten a lot of them from Capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keep saying they verified this incorrect Bankruptcy information on my file with the courts, when I call the courts they tell me they never verified any information. with the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Zelle, following your findings that the company has neglected its customers and allowed repeat offenders to exploit the platform. 
I reported lost funds through Zelle but received inadequate support. I was told that tracking the lost funds was " impossible, '' which is concerning given the issues highlighted in your report. 

This experience has left me frustrated. It is unacceptable for Zelle to neglect its responsibility to protect consumers and let known offenders continue using the platform. 

I urge the CFPB to investigate this matter further and hold Zelle accountable. It is essential that consumers are protected from such negligence. 

Thank you for your attention to this issue. I look forward to your response.