23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new hard credit inquiry, that I did not authorize on Equifax. It for   XXXX   XXXX  , which is something I would never want. Awhile ago I applied to prequalify for a credit card but never gave anyone permission to run this inquiry.
Product: Mortgage

I mailed our first payment for our new home on XX/XX/23 for a due date of XX/XX/23. As of XX/XX/23 the payment has not been deposited by then yet and they now state I need to mail to a different address then the one I was provided at closing but I do not have any confirmation that this new address is correct. I tried to call and they hung up on me 8 times and they when I got to somebody they transferred me almost instantly. They then said they could not locate my loan, then transferred me 5 more times and still had zero information. I sent a second payment via certified oak on XX/XX/23 and that was delivered XX/XX/23 but also has not been cashed as of yet. They have also not paid my insurance company out of escrow as of yet even though I paid {$440.00} at closing into that account. They refuse to help me and refuse to take my payments.
Product: Bank account or service

On XXXX XXXX and XXXX someone made several transactions using my sons account that I am listed as a co-owner of. There was a {$500.00} cash deposit, followed by visits to XXXX Wells Fargo offices in XXXX XXXX and XXXX all within XXXX minutes of each other to cash checks. The majority of those funds were received as cash back with the rest being deposited into the account. 

The transactions are as follows : XXXX XXXX {$500.00} cash deposit at Wells Fargo XXXX XXXX XXXX XXXX {$620.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA at XXXX {$610.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX GA at XXXX {$620.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$610.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Cash deposit with {$490.00} XXXX XXXX XXXX XXXX XXXX GA at XXXX {$300.00} withdrawal at NON- wells Fargo ATM at XXXX XXXX XXXX XXXX GAAnd on XXXX XXXX, {$300.00} withdrawal at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GAMy son and I requested a fraud investigation with Wells Fargo that they have closed ever after admitting that it was not my son at surveillance making these transactions. They closed the ( ATM ) case previously after comparing surveillance for XXXX transaction I reported against a second transaction I reported concluding that the pictures matched. I was told that case was being reopened but I can not find any evidence that it was actually reopened. The ( edeposit ) case was simply closed because his ( reported ) debit card and PIN were used to make the fraudulent transactions. After speaking with a supervisor, I was told that it was going to be given a second look and called back ~ XXXX hours later with the news that it was being closed again. The reason I was given was because they had picture/video of someone other than my son making a authorized transaction ( {$50.00} deposit ) on XXXX XXXX. Thereby, essentially giving up his rights to claim fraud.
Product: Debt collection

To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Prepaid card

After receiving an American Express E-Gift Card from my employer, I attempted to go online to purchase some items. According to the instructions on the email for the gift card, it states that in order to shop online you must select " Credit '' as the payment method ( Do not select " Gift Card ''. It goes on to state that in the payment method section, to enter the card details as you would a credit card and for the billing address, fill in your name and address. I followed the instructions exactly as stated on four ( 4 ) separate e-commerce sites such as XXXX XXXX and XXXX and the card/purchase would not go through. I twice contacted the American Express Gift Card Customer Service line on Thursday, XX/XX/XXXX only to be told both times that 'the funds are being protected ' and that I should try other websites until I find one that accepts the card. Needless to say that is unacceptable. If American Express is selling a banking product/gift card that is supposedly for use anywhere that accepts the AmEx logo, which these website do, then the resolution should not have been to tell me to continually search websites until one goes through. What is unusual is that for each attempt on a website, a {$.00} pending charge is executed. Meaning that there must be some connection between the webpage server and the AmEx server but the actual cost of the purchase does not go through with a message stating something went wrong and to use another card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My 2022 XXXX XXXX was recently totaled XXXX XXXX. XXXX has already finished the total paperwork for {$27000.00} in XXXX. My insurance has tried contacting them and so have I so that XXXX can receive payment for the car, but no one answers when we call or send correspondence for documents this has been on going for weeks. Not only that I cant finish my GAP claim so they can pay the rest of the money still owed until they do whats supposed to be done on their end. XXXX has not worked with me at all and they keep saying Im not paying, and reporting it to my credit. All I want is a resolution and for this to be over and done with.
Product: Mortgage

When closing on mortgage with Wells Fargo, I was given the option to pay bi-monthly. I mistakenly understood this to be an 'every two week ' option which would, to my understanding, reduce my principal more rapidly over time and allow for savings. 

In fact, selecting a bi-monthly payment plan would result in a net loss to me and a net gain to the bank by allowing them to hold half of my monthly payment in advance of applying it to my loan and thus reap the 'carry '. 

It seems predatory to offer such a payment option without providing specific counsel that it ( 1 ) has no clear advantage to the payer and ( 2 ) actually can be viewed as carrying a disadvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a bull city {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX  ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help XXXX equifax XXXX
Product: Credit card or prepaid card

I have a Chase Sapphire Preferred credit card, which includes a trip cancellation / interruption benefit. I used that credit card to purchase a prepaid and non-refundable travel package through a travel supplier ( XXXX XXXX ) for a trip to XXXX, Florida ( XX/XX/XXXX - XX/XX/XXXX ). During the trip, a severe weather event ( Hurricane Nicole ) occurred which caused an interruption to prepaid and non-refundable travel arrangements included in the purchased travel package ( resulting in a {$200.00} financial loss to myself as cardholder ). Upon returning from the trip, I first reached out to the travel supplier but received no reimbursement. Thus, I immediately filed a trip interruption claim requesting reimbursement in the amount of {$200.00} ( claim # XXXX, filed XX/XX/XXXX ) with all required documentation through XXXX/ XXXX XXXX XXXX which Chase uses as its third-party card benefit insurance carrier. My claim was unexpectedly closed on XX/XX/XXXX without a claims examiner ever contacting me in regards to claim eligibility, as eclaimsline stated would happen within '5 business days '. Phone representatives told me to write an appeal via email, in which I outlined precisely how my trip interruption claim fully met the terms and conditions outlined by Chase and eclaimsline and is thus eligible for coverage under my card 's trip interruption benefits ( sent on XX/XX/XXXX ). On XX/XX/XXXXXXXX XXXXe informed me that my appeal was successful and my claim would continue to be processed. On XX/XX/XXXX and XX/XX/XXXX, XXXX requested additional documentation from me -- documents which I had previously submitted through their online site -- which I provided in a thorough and timely manner. However, XXXX repeatedly missed its stated '5 business day ' review and response window after I provided the requested info, leaving the status of my claim up in the air for weeks at a time. This dragged out for two months with numerous phone calls to XXXX representatives who were largely unaware and unhelpful in providing the status, timeline, or any other assistance with my claim. Finally, on XX/XX/XXXX I was informed by XXXX that my claim had been rejected due to ineligibility of my specific trip interruption circumstances, despite the fact that prepaid and non-refundable travel arrangements purchased through a travel supplier which has been interrupted due to severe weather is explicitly included on Chase 's list of covered situations. This has been an unreasonably difficult process compounded with grossly inadequate customer service. The unreliability and untrustworthiness of eclaimsline -- supported by XXXX negative reviews on XXXX XXXX XXXX XXXX XXXX XXXX  -- as well as my claim 's clear eligibility under Chase 's trip interruption card benefit is why I am filing this complaint. I am attaching all available documentation and would be happy to provide additional details if needed.
Product: Mortgage

On or about XX/XX/2016, I contacted Navy Federal Credit Union to be prequalified for a VA mortgage. Based on the answers to the questions they asked, I qualified for the loan. After locating a home, I began the process of securing the loan. After all of my documentation was submitted to Navy Federal Credit Union, the loan was on track to close but then was supposedly denied due to non-traditional income because I am a truck driver. I am paid by the mile not hourly. I do not work for myself but receive a XXXX from my company. The Navy Federal Credit Union representative I was working with told me that I was turned down for the VA mortgage but they could switch me to a conventional mortgage. I asked for a letter stating there determination and reason but have not received one. Going conventional meant the interest rate went from 3.375 to 5.5 for a 30 year fixed rate mortgage. Virtually doubling the rate. Needing to close the mortgage because we were already living in the home, based on Navy Federal Credit Union assurances we would close in XX/XX/XXXX then XX/XX/XXXX, after switching to conventional, we finally closed XX/XX/XXXX. I do not feel that I was treated fairly, after consulting with other lenders and that Navy Federal Credit Union should have been able to determine my eligibility for the VA mortgage before having me invest a tremendous amount of time in the process and moving into the home based on their assurances. Sounds like bait and switch to me.
Product: Credit card or prepaid card

on XXXX XXXX they suspended my account saying it was a charge back from my funding soues which it was not i could notb access my account at all no statement no online no information in reference to the the section 22 D could not proof this happen still have n't sent me my money i sent them documentation this did not happen still have my account block
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 customer 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 requirement under the electronic fund transfer act ( efta ) and regulation E. These activities have caused significant inconvenience and financial lost and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, my mortgage servicer changed to ShellPoint mortgage. I received notice, dated XX/XX/XXXX, from ShellPoint, and didn't see it until after my payment for XXXX was sent to previous mortgage servicing company. 

In the middle of XXXX, I received a letter threatening foreclosure since my account was now past due by {$2600.00}. I called to speak with my 'SPOC ' - and was told that person was no longer my SPOC and was combative when I pushed for answers on why Shellpoint thought I was behind in payments. I requested a supervisor to talk to. I was informed there were no available supervisors, and that one would call me back. I was given another person as a SPOC, and tried calling the number, and couldn't reach that person, so choose to talk to another person in the department, who couldn't help me. I was given yet another name to call. I tried calling that person, and was unable to reach them. As for the supervisor request, I never received a call back. I spent close to 3 hours trying to get this sorted out. 

I then called back at end of XXXX ( XX/XX/XXXX ), trying to clear this up so it wouldn't show on my credit report, and was informed that I was dealing with collections. At this point some of the monies paid to my previous servicer was applied to my account, leaving an underpayment of {$1000.00}. Even though I again asked for a supervisor, I was transferred to customer service because my account no longer met the collections department requirements. I was told to submit bank statements showing my payments to the previous mortgage servicer. I did so that day, with a request for an accounting of how my account was past due. It took another 2+ hours of my time to get this little bit of information from ShellPoint, and send a written response. 

It is now XX/XX/XXXX, and I have not heard back from ShellPoint mortgage servicing, so I called to speak to a customer service rep again. It took 15 minutes for my call to be connected, and the rep said she would take a few minutes to research my account. After being on hold for 10 minutes, I got pushed into another queue. This rep said that they had requested information from my previous mortgage servicer on XXXX, and that they had not heard back. But now that they had the 'proof ' of my payment, they will 'escalate ' the request with previous servicer. I have spent 5+ hours of my time trying to make sure my mortgage is paid properly, and that there are no adverse credit effects as I am trying to rebuild it after being laid off earlier this year and missing some payments on other accounts here and there.
Product: Mortgage

We purchased a home on XX/XX/year>. We took out mortgage with a FHA loan. At the time of the purchase, we made a {$110000.00} deposit on a home listed for {$320000.00}. We are currently going to pay off the remaining principal balance, however, we noticed that an upfront mortgage insurance premium charge of {$3600.00} was added to the loan, in addition to monthly mortgage insurance payments. Given that we paid more than 20 % of the mortgage, and that we are paying off the principal balance significantly earlier ( 5 months instead of 30 years ), mortgage insurance should not be added to the payoff amount. The current principal balance should be {$210000.00}, but the current balance of our loan is {$210000.00}. We have called XXXX XXXX ( originating lender ), Freedom Mortgage ( current lender ), and the attorney 's office that did the closing, and all parties direct us to call the other parties involved regarding questions about the closing documents and the mortgage insurance. When finally discussed with Freedom Mortgage via phone call, they stated they would be unwilling to remove the upfront mortgage insurance charge in the amount of {$3600.00} from the total balance of our mortgage despite our expressed intent to payoff the principle balance immediately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

1. The Website should IMMEDIATELY CEASE and DESIST from issuing my free credit report.

https : //www.annualcreditreport.com/index.action 2. My Social Security Number was recently breached and is now on the Dark Web, by no fault of my own.

A. The Website does not have my authority to issue my free credit report to anyone.

B. I have already frozen and locked my credit report with all 3 credit bureaus.

C. I already put my fraud alert on all 3 credit agency reports.

D. However, I was still able to obtain my credit report from this website : XXXX XXXX XXXX E. They have no mutli-factor authentication. Anyone with my SS, DOB, address could obtain my credit report, for free, even though I have freezes with every credit rating agency XXXX, Transunion, and XXXX. 

F. This means anyone, without my authorization, who has my SS, DOB , and address is able to obtain my credit report via this website, without my consent or authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, Equifax employees are still retaliating against me by putting incorrect information on my report. I received a letter from them. This time they changed my credit card limit to show as {$0.00} when it is in fact {$1000.00}. I believe this was done deliberately, ( as you know, per my past complaints against them ) although they are claiming they verified the information and have updated it. I do n't believe this is true, so what I have done is written a letter to them that I 've already sent off. They should be receiving it in a few days. In this letter I expressed that I would like 3 things.
1. I would like them relay how they verified this information, who gave them the information, and their contact information. 

2. I would like them to list my CORRECT credit limit. 

3. I would like them to send an updated report ( the corrected version that resulted from my last CFPB complaint ) to all companies that requested my report within 6 months. 

Now with these 3 things asked for in written form, I am hoping to find out ( although I severely doubt it ) if XXXX XXXX is giving them incorrect information, or if it is them again purposely adding false information, for proof. 

When they return the information on how the " {$0.00} '' credit limit was verified and who at XXXX XXXX gave them the information, I will be contacting XXXX XXXX and verifying with them also if they gave the information that Equifax is claiming they have. I am alerting the CFPB ahead of time because I have high reason to suspect this is continued harassment by Equifax employees in attempting to sabotage my credit report with errors on multiple occasions. I 've attached two separate reports. The earlier report is confirmation # XXXX which resulted from my last complaint. That should have been the last thing I had to report. It had been corrected. But they have now changed my credit limit to show as {$0.00}. I 've attached that report. I have already called my bank, nothing has changed. It is still {$1000.00}. Either Equifax is giving false information, or XXXX XXXX. I am willing to bet it 's Equifax, but it is apparent that someone is lying, and there will be proof soon. Because I 'm contacting both either way. When they reply, I 'm letting XXXX XXXX know about my CFPB complaints as well so they 'll know what 's been occurring and will be able to confirm that they are not the ones doing it.