23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Summary of why I have filed a complaint to the CFPB Consumer Financial Protection Bureau. I responded with and answer and affirmative defenses. I also responded with Affirmation defenses with a request for mediation. All paperwork was filled out sent in. A check in the amount of {$170.00} was also sent in when requested to be forwarded.   I have also sent in many requests for a QWR qualified written response to the lender  Wells Fargo.  We get a standard request back stating that the questions are to board. The questions are specific to the loan that is on the address   XXXX   XXXX   XXXX   XXXX   NJ  XXXX . You will see in the packet that what was sent in was tracked through certified mail to all parties. What we are looking for is a simple request to be able to stay in our family home and can move forward with mortgage payments to be made.   I feel that our file is not being reviewed correctly because of my line of work that I am in. I have not kept any secrets of what my line of work has been. When I was asked what I did for a living I was more than open to explain in detail if the bank had asked. I have become and advocate for the people homeowners who want to keep their homes. A voice for homeowners like myself that had once fell on hard times and could not afford to pay a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports were affected by the XXXX hack from earlier this year ( XXXX ). I have two hard inquiries on my XXXX and Experian reports that I did not initiate nor authorize. I have called both companies for removal to no avail. I have made numerous calls and have reported Experian and XXXX to CFPB only to get the continued run around.There are two XXXX XXXX inquiries ( dates filed ; XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) on both reports. I have never applied for any XXXX XXXX XXXX XXXX. Furthermore, I actively monitor my credit report and it makes no sense for me to apply for a credit card from the same company within two months ( XXXX to XXXX ) with no positive change in my credit report during that period. These hard inquiries need to be removed immediately from my credit report as they are affecting my overall score and worthiness of my credit. I have included my identification information as well as a copy of my latest Experian report ( outlining the hard inquiries in yellow highlighter ) so that Experian can stop with the games and run-around and remove the negative and inaccurate information from my report immediately.
Product: Vehicle loan or lease

Credit Acceptance Corporation Has attempted to place a Lien on Vehicle I own OUTright and paid cash for, I have XXXX  XXXX  Title in hand with NO lien, I have Zero credit or loan accounts, THey refuse to give me any information on the issue
Product: Debt collection

i have lived alone at my address for 11 years as owner. over the last year receiving from XXXX XXXX XXXX-XXXX ca a bill for some unknown person. that info is XXXX XXXX XXXX for XXXX ( including interest ) the account is XXXX. I have returned mailings, called them and got hung up on and i have ignored the mailings. Now it has gone to collections ( california business bureau , inc ), i called and got scolded for opening someone else 's mail. She said she  would notate the name difference. don't trust that that will end the situation. thank you.
Product: Checking or savings account

Bank of America has engaged in bank fraud and identity theft and fraud and attempted theft of my checking and savings accounts in collusion with bank employees at the XXXX location on XXXX XXXX location at the corner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland. The employees are the manager and two XXXX XXXX one in the Merrill Lynch investment section and the other is a new cashier. They also worked with outside parties outside the bank named XXXX XXXX who has engaged in identity theft and fraud of me in the past. The bank deposit in question is coming through on XX/XX/2024.
Product: Debt collection

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. TransUnion ( In Error 15 USC 1681 section 602 A & 15 USC 1681s-2 ( a ) ( 1 ) -Not mine ) {$67.00} Debt Collection - Not Mine
Product: Debt collection

In XX/XX/2017, I called Credence Resource management ( XXXX ) to ask them to change the amount that was being automatically debited from my checking account for a medical debt that I owed. They had been withdrawing {$200.00} per month until the debt was paid. When I spoke with them, they told me there was good news, that the debt was already paid in full and in fact, they had taken out two months payment over what I owed so they owed me a refund of {$400.00}. They told me they would be sending me a check with the refund shortly. I never received it. I have spoken with them 7 times now, as of 6 months later and still, after various excuses about why I have not gotten the check, they still promise to send it. They have records of all the times I have called about this. They admit to owing me this money. I have no idea why they continued to take money from my account after my debt was paid in full, and I am sure they planned to continue this as long as I allowed it to go on. I told them the last time I spoke with them that I will be going to higher resources to get my money back. They promised me a check coming expedited delivery by Wednesday, XX/XX/XXXX, and nothing. I need help getting this refund to me. Thank you.
Product: Debt collection

XXXX and XXXX XXXX continuously calls my number looking for an individual who is not me for the last XXXX years. I have talked to XXXX and XXXX multiple times letting them know that this is my phone number and that that individual has not had this phone number for at least XXXX years. Each time I talk to a representative they let me know that they are removing the phone number and then a few days later the daily phone calls from XXXX and XXXX begin again. I have blocked them numerous times but they just call from a different number. I do not have any debts, I am not the person they are trying to contact, I don't even know who that person is.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking at my credit report with myfreescorenow.com and i noticed that my XXXX account is wrong transunion shows a balance of {$4800.00} XXXX  shows {$0.00} and XXXX shows {$4800.00} also the opening and last activity dates are wrong showing on all three credit bureaus
Product: Debt collection

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported a collection on all XXXX credit reporting services in XX/XX/XXXX from an alleged debt owed from a apartment complex that I moved from in XX/XX/XXXX. I disputed the account and XXXX was the only XXXX to remove. I then sent a debt validation letter to said company on XXXX XXXX and my XXXX day notice to vacate form from said apartment complex and after not receiving any answer, I sent another debt validation letter and the vacate form again on XX/XX/XXXX to which National Credit System refused to answer again. This company has single handedly dropped my credit score XXXX points which has caused a snow ball effect with some of my creditors either dropping my credit limit or closing my credit card accounts.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/24 Requested information validating the debt and original contract with my signature on it XX/XX/24 XXXX for requested information of debt.
Product: Debt collection

My credit score dropped 62 points due to CAPIO PARTNERS LLC. I have never heard of this company and do not understand what debt they may ( if any ) be trying to collect. I have called the number listed online ( XXXX ) and can not get through to a live person, it transfers to voicemail on both HR and the Operator option. Never received a call back. I was transferred through to an operator last Friday, whom was absolutely rude and disregarded any concern for the situation, she put me on hold for several minutes until I finally hung up. I was denied an apartment in Florida due to the credit drop and need to resolve this ASAP! Very unprofessional! 62 point drop over what!? Please explain!
Product: Credit card or prepaid card

Citi is requesting to verify some financial information to continue processing application. Need completed XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX admit that you were wrong doing business with fake doctor XXXX XXXX fake XXXX XXXX and XXXX and his information in your system all fraud and confirm my ownership by going to mycoverageinfo.com/chase and upon entering my last name XXXX, XXXX code XXXX and loan number XXXX I am the insured owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We bought a truck and used Bank of the West for the loan. Everything was fine until XXXX. I was a dental assistant and was sent home from work, with no notice because of covid19. I applied for unemployment benefits but could not get any help for months. I contacted Bank of the west in XXXX and applied for help. I got their Disaster relief plan, and they told me it should be fine. Well they have been reporting the late payment on our credit report 30 and 60 day latest. Also after we started making payments they are still reporting that those months are over 30 days late and they were not. they were late but not over 30 days late. I have disputed these charges on my credit report for the last 5 months. They are still reporting these 30 and 60 day late payments. I tried calling and talking to them. They did not want to help me at all. I'm very frustrated we have paid all the payments and all their fee we don't deserve to be treated this way. It is hurting us financially. We had to sell our home to pay off our debts, and now we can't buy another home. Because of their false reporting. They also drag their heads about posting the payments. I sent our resent payment in last week. I just noticed on the print out I'm going to send you. They have not posted our payment yet. This payment history is being downloaded and sent to you from Bank of the west website! So they know we were not 30 days late. Every month when I dispute these late payments, they just change the month that they say we were 30 days late in.
Product: Credit reporting or other personal consumer reports

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong 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
Product: Credit reporting or other personal consumer reports

Payments were made timely, one late payment was shown that does not reflect my credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated. Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. Under 15 U.S.C. 1681, Section 604A, Subsection 2, a consumer reporting agency can not furnish an account without my explicit written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I am requesting the immediate correction or removal of the erroneous late payment from my credit report.
Product: Checking or savings account

I opened a Capital One 360 Money Market account on XX/XX/XXXX with offer code XXXX. 

The exact wording of this offer ( which I have a screenshot of from the date of opening ) is the following : " To earn a bonus your account must be funded with at least {$50000.00} from a non-Capital One account no later than XX/XX/XXXX, by XXXX XXXX ET. If we determine that you satisfy the eligibility requirements, then we will post the {$500.00} bonus within 60 days from completing the offer conditions. '' In order to qualify for this bonus, I made the following deposits ( dates are taken from the date the transfer posted to the account as verified using the account management on the Capital One website ). 
XXXX : Deposited $ XXXX from XXXX XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX  account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  Account XX/XX/XXXX : Withdrew $ XXXX back to XXXX  XXXX  Account XX/XX/XXXX : Deposited $ XXXX from XXXX   XXXX  account XX/XX/XXXX : Withdrew $ XXXX back to XXXX XXXX   account XX/XX/XXXX : Deposited $ XXXX from XXXX XXXX  account XXXX : Withdrew $ XXXX back to XXXX XXXX account With these actions, I deposited a total of $ XXXX prior to the XX/XX/XXXX deadline, and had a balance slightly above $ XXXX on the XX/XX/XXXX deadline. 

Today is XX/XX/XXXX, which is not yet 60 days after I completed the requirements, so the company still has time to credit my account. HOWEVER, this week, I have contacted Capital One customer service ( once over the phone, three times over the chat support offered on the website ) and was told each time that I did not meet the requirements for the bank bonus and that I would not receive the bonus because I never had a balance of {$50000.00} in the account. However, the offer details never say anything about maintaining a balance but only state how much must be deposited before the deadline. 

I was told by the customer support person the first time I used the support chat that management had decided to clarify the offer after the fact and did not feel that people using cumulative deposits and withdraws should qualify for the offer. To me, this amounts to changing the offer to something different than it was when I signed up, which isn't right. I know of several examples of people getting the {$500.00} bonus by using the same strategy that I did to deposit over $ XXXX in funds, however, at some point, Capital One changed the policy. This is not " gaming the system '', this is a failure of Capital One to write a specific and clear offer policy. Consumers should not be punished for this. 

Please see screenshots for more information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XX/XX/ 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted yesterday by a company looking to serve me with sealed summons. They gave me a phone number and when I called it was a debt collection company Creekside Recovery and Capital Management. They told me that if I didnt pay by XXXX, the summons would be served and legal action would be taken
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute the inclusion of several hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-B, consumer reports can only be provided for permissible purposes, such as an extension of credit. However, these hard inquiries do not appear to fall under any permissible purpose, as they were never involved in any extension of credit. 
I would like to request that you remove these hard inquiries from my credit report, as they were not authorized by me and were not related to any credit transaction. The inclusion of these inquiries is having a negative impact on my credit score, and I believe it is unfair and inaccurate. 
I understand that under the FCRA, consumer reporting agencies must investigate and respond to disputes within 30 days. I request that you promptly investigate this dispute and remove the hard inquiries from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

My parents are behind 1 month on their mortgage, as XXXX owners they are never home. But I 'm a XXXX student and i usually am at home mostly during the weekends. The debt collector showed up yesterday violently banging on my door ( when he could have rang the doorbell ) being a XXXX year old woman this intimidated me and the car he was in had no logos it was just an SUV. Today while returning home from running errands the same van was waiting a street away from where i turn to get home, he pulled up in-front of me almost crashed my car. Then took a picture of me, then when i got home he got out from his car continued to take pictures of me, and gave me a notice to call my mortgage company. I feel in danger getting followed home by a random man, almost getting my car crashed into, frankly i just feel harrassed.
Product: Debt collection

Northland Group claims I owe XXXX to XXXX XXXX. This amount includes a fraudulent charge from XXXX XXXX XXXX in the amount of XXXX on or around XX/XX/2017. Several overdraft fees in the amounts of XXXX were also charged to account which stem from charge to XXXX XXXX XXXX. The transaction was disputed several times, a provisional credit was issued at one point, a rep with XXXX XXXX advised me as per an investigator that the claim was closed in my favor. The credit was later reversed, it appears that rep lied to me. Transaction was disputed several more times, never resolved. As I stated to XXXX XXXX  and a prior collection agency which attempted to collect on this debt, I did not purchase anything from XXXXXXXX XXXX XXXXXXXX and do not own a XXXX. The entire balance of XXXX stems from this one transaction which is fraud and will not pay. Northland Group apparently purchased the debt from the previous collection agency whom I do not have the name of, they were advised of the same information and that I refuse to pay.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Product: Checking or savings account

9-19-2022 Tried to transfer money to another bank. I couldnt do it. I called customer service. After being on hold for over 2-1/2 hours. I talked to 3 different people who finally told me my account was frozen because. It was dormant. Ally claimed I never went on line or I never returned to questionnaires they sent me, with their pre-addressed and postage paid envelope! I have done both! Now they claim I have to wait until they take my account our dormancy and if I cant do it on line, I will have to call them back. They are holding my money hostage!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX. 
Number account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.