23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After I moved out from XXXX XXXX in XXXX, FL, I paid all the monies I owed them, including the alleged amount they reported to the Credit Reporting Agencies ( XXXX, XXXX and XXXX ) for the amount of {$420.00}. I have sent multiple letters on this matter to the apartment complex company and the credit reporting agencies and have fallen on deaf ears. I included on my communications a screen shot from my bank account in which clearly anyone can see that I have paid the alleged owed amount.
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX # XXXX - Took out Flood Gap Insurance w/ out approval and refuses to update my account with the sufficient Flood Insurance policy information provided by XXXX XXXX - this has been taking place since XX/XX/XXXX. 

W.out my consent, Wells Fargo initiated a policy with XXXX XXXX XXXX XXXX for Flood Gap in the amount of {$2300.00} annual premium when I already had a sufficient policy in place with XXXX XXXX since the closing of the property in XX/XX/XXXX. 

Property Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX   Policy # XXXX Wells Fargo refuses to update my account with the correct and sufficient information from this policy. This is yet another deceptive ploy by Wells Fargo to charge their customers for products not warranted, not necessary, and not approved by the customer. Wells Fargo was sold my mortgage by XXXX XXXX shortly after I closed on the property in XX/XX/XXXX.
Product: Debt collection

XXXX XXXX calls all morning, noon, evening and night, and they refuse to stop calling. Their calls are interfering with my employment, and I can not drive down the street without them calling. They are very aggressive. I blocked the numbers that they call from, and they will call from a different number. They are stalking, and harassing me, and refuse to stop the calls. They know I am blocking their calls. Which is why they call from a different number.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX  Date open__XXXX_________ Account Number __XXXX__ Reason for dispute__IDENTITY THEFT Account Amount __XXXX_ Account Name XXXX_ Date open__XXXX__________________________________ Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX
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 violates 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

My complaint is very simple not gon na complaint about XX/XX/XXXX when I lost my job or XX/XX/XXXX when my mom had a XXXX or XX/XX/XXXX when mom came down with XXXX or the recent loss of my grandpa who was like a father to me and Citimortgage refused to help My complaint is that my credit has been damaged to the point it is very poor and I do once or twice a year have fallen behind and made my payment on XX/XX/XXXX as always however there has been plenty of times like once they lost my check while in California taking care of my mom XX/XX/XXXX I took the bad mark other times I 've paid at XXXX my time according to them if the payment is not in their system by XXXX pm their time I am late and those reporting have hurt me so bad I ca n't get a job I get turned down for credit that I need to fix the rest of my home a home that has XXXX bathroom working out of XXXX a kitchen with mold and because my insurance did not pay I am living with that in the house I am always XXXX I take XXXX I need Citimortgage to drop off all the late marks on my credit report so I can go on about and not have to be late on my house payments because all I have is cash and my hands are tied
Product: Checking or savings account

State marshal XXXX XXXX For XXXX and XXXX for XXXX XXXX XXXX  on XXXX XXXX  they put a garnish on my account
Product: Checking or savings account

On XX/XX/2020 at approximately XXXX, i tried to use my debit card to make an online purchase and received a insufficient fund on the website.I then contacted bank of america and was informed that after careful consideration my account was closed.My account was farely new and didnt get to enjoy the full benefits of my account.I also didnt receive the {$250.00} dollars that is being promoted for opening a checking account.I had two deposits made into my account and not once did i ever get the chance to spend my money.I dont understand how this bank is still able to make financial decisions, when clearly theyre in competent of understanding the needs of consumers. 
I spoke with a customer service representative by the name of XXXX XXXX who informed me that a cashiers check would be mailed to me with my remaining balance and i asked if i can pickup the money at the bank.I was then told she had to put in a request and wait for headquarters to follow up.I was informed it would only take 3 days. 

Today XX/XX/2020, i called account closing to follow up with my request and was told there wasnt a decision yet to be made on my account.I was then told to call next week and They would have an answer for me.I asked to speak with the supervisor by the name of XXXX, who didnt care what so ever about the money they are holding hostage from me.I was never informed as to why my ccount was closed and was told its based on bank of america policy they can close my account at anytime given.Ive never had a problem banking at any bank until i signed up for this account.Im truly disappointed with Bank Of Americas actions and would like my XXXX credited to me ASAP.
Product: Credit card

I appealed a dispute resolution on my credit card for {$1100.00}. We submitted the denial in XXXX of this year and Citi did not contact us about the decision. We called and were told there was an error and it had to be appealed. We appealed it and we just received a letter stating it was denied because " We no longer have any recourse to obtain credit for you since the time frame in which to resolve a dispute has passed ''.
Product: Mortgage

JP Morgan Chase ( Chase ) withdrew money from my mortgage escrow account to pay unsecured property taxes that were at no time my legal responsibility under California Law. The taxes in question were unpaid supplemental property taxes owed to XXXX XXXX of XXXX by the former property owner ( NOT ME ) and were not secured by the mortgaged property. Chase had no valid business reason to pay this property tax bill with my money, let alone without my knowledge or consent, and I will not be held financially liable for their careless mistake. Chase owes me a full refund in the amount of {$750.00} as complete reimbursement. Nothing in the mortgage I signed requires me to pay someone elses debts and I will not do so here. 

Below is a timeline of key events : On XX/XX/XXXX, XXXX XXXX XXXX XXXX notified me that XXXX XXXX of XXXX had moved to the unsecured roll unpaid supplemental property taxes, which XXXX XXXX had categorized as Secured erroneously. 

On XX/XX/XXXX, JP Morgan Chase ( Chase ) became the servicer of my mortgage, including escrow account. 

On XX/XX/XXXX, Chase paid " delinquent '' taxes to XXXX XXXX of XXXX using funds in my escrow account. Total amount withdrawn : {$750.00} On XX/XX/XXXX, I noticed the inappropriate escrow transactions while scheduling my mortgage payment. I contacted the property tax department and spoke with a representative named XXXX. I explained to him that I did not owe the taxes Chase paid and there was no unpaid, secured taxes due on my property. He opened a ticket and stated Chase would respond after an investigation. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with a representative named XXXX XXXX. She indicated the allowed review time had not passed and there was no update. 

On XX/XX/XXXX, I called the Chase property tax department and spoke with an individual named XXXX XXXX. She indicated the ticket had not been addressed and that she would escalate it. She noted that I should follow-up later in the week. 

On XX/XX/XXXX, Chase mailed me a letter stating we found that your account is in good standing and that there is no refund available for the [ ] parcel ( XXXX ). This is an unacceptable conclusion. Chase made a clear error and is financially responsible for returning the money withdrawn from my escrow account inappropriately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Experian Regarding Credit Reporting Dear CFPB Team, I am writing to formally file a complaint against Experian regarding my Personal, Confidential information on my report showing inaccurate information about 1 account that is late. If you look at all my accounts on my report none of them show any late payments. This information needs to be updated to show the correct number as XXXX. 

I tried to call over the phone to have this matter fixed you can't get in touch with any representatives. The automated system says that it can't get me in touch with an agent. Can I help you with something else? Also I'm uploading my whole credit report showing the inaccurate information circled in red. 



I would appreciate your assistance in resolving this matter and ensuring that Experian adheres to fair practices in credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company & they could not give me any information. 
XXXX XXXX Global Lend XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Excessive interest of 28 %. Contacted company about lowering rate, would not lower rate. 
XX/XX/21 Asked company why I had made 17 payments of {$580.00} totaling {$9900.00} and only {$1200.00} had been applied to principal. Entire payment for 5 months was applied to interest and the XXXX only {$16.00} was applied to principal. Company explanation was this was simple interest and when my payment was made even though they were charging me late fees.
Product: Credit reporting or other personal consumer reports

The credit card company XXXX, I last spoke with them last year around XX/XX/XXXX or the month after, I called in to make sure the balance was paid off. The balance that was owed was {$0.00}, the representative stated that they placed credits back to my account which was the late fees charges and others fees that was assessed and that took care of the balance owed. Today XX/XX/XXXX I get a notification to my phone about a collection account added and it was the credit card company XXXX, I spoke with last year. So I called them today asking them to look at my last statement and the notes on the account and the last representative I spoke with, and I asked to speak with a manager as well and they couldnt provide me with XXXX. She continue to tell me they sold my account and she cant help me and I need to talk to the people who they sold it to. This is outrageous I spoke with them XXXX XXXX and I had no balance owed, and no up to date statement seeing that I did make a payment to them as well before I called XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

1. Ocwen misrepresented my foreclosure date to me. An Ocwen representative named XXXX XXXX, ID # XXXX told me my house was going to be auctioned off on XX/XX/XXXX. This is incorrect. The court in the foreclosure action set my law day, the foreclosure date under Connecticut law, on XXXX XXXX, XXXX. Ocwen 's attorneys have not asked the court to reschedule it for XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I will have already lost my house. Ocwen is giving me inaccurate information about the foreclosure process, which is confusing to me and, if I had n't checked with someone else, would have resulted in me losing my house. 
2. Ocwen refused to consider my Social Security XXXX Income in its loan modification review, unlawfully discriminating against me on the basis of XXXX. We submitted a loan modification application to Ocwen, which it acknowledged was complete on XXXX XXXX, XXXX. I included proof of receipt of Social Security XXXX Income of {$1800.00} per month. In a denial letter dated XXXX XXXX, XXXX, Ocwen stated that my verified income was " {$0.00} ''. Ocwen refused to consider my XXXX income. An Ocwen representative later told me that XXXX income was not accepted. This is wrong and discriminatory. Ocwen must use my XXXX income in evaluating us for a loan modification. 
3. Ocwen told me in XXXX XXXX that it would re-review me for a loan modification because it had failed to include my husband 's employment income. Ocwen has not done so and is pushing forward with the foreclosure against me. I spoke to XXXX on XXXX XXXX, and she acknowledged that Ocwen had not used my husband 's employment income in reviewing us for a loan modification, even though I had submitted proof and it had agreed to do so. Ocwen had further failed to use my social security XXXX income. XXXX said that she would resubmit the documents to the underwriter because Ocwen had made a mistake and we would receive a decision soon. Ocwen has not gotten back to me. When I call, I am not able to get an answer about what 's going on with the loan modification review. We have sufficient income to support a loan modification, but we need Ocwen to accurately review our documents and count all of our eligible income.
Product: Debt collection

On XX/XX/XXXX I submitted a CFPB complaint against ACCOUNT RESOLUTION COR for inaccurate misleading information being reported on my credit report. On XX/XX/XXXX still working to validate accuracy of the data furnishers. Well I will start by telling you its been well over 7 months and ACCOUNT RESOLUTION COR has failed to provide me with the original contract with my wet signature that I requested from them. Because this is a fraudulent, inaccurate, misleading account that XXXX refuses to remove due to the monetary gain they receive from selling negative account information on Consumers Reports. 
I been trying to solve this problem for some time with ACCOUNT RESOLUTION COR, they put fraudulent inaccurate items on my credit report without permissible purpose. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. ACCOUNT RESOLUTION COR is not able to provide requested proof of alleged debt. ACCOUNT RESOLUTION COR continues to report inaccurate, misleading, fraudulent items without my permission and the information is not even 100 % accurate. When in fact ACCOUNT RESOLUTION COR NEVER PROVIDED me with the original contract with my wet signature on this fraudulent medical account. Therefore you are reporting misleading false accounts. You violated someone's personal medical information and history when you put someone else medical debt on my report. You violated my personal information by adding fraudulent and misleading information to my credit reports.You can not send a list of medical procedures describing pelvic, and lumbar you are violating medical privacy laws for your monetary gain of reporting negative items. As a consumer I demand this account be deleted from my credit report immediately. Effective yesterday!
Product: Credit card

I have been a loyal member of the US Bank XXXX XXXX Business Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr which I would not be able to utilize as it has excessive spend requirement.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX XXXX in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Product: Debt collection

i had called the creditor to pay in full but wanted debt verified, they stated on the phone they already mailed me and the mail was returned. i told them they had the wrong adress on file and they stated oh well too bad we already sent you letters. if they can not verify the debt when i asked in a timely manner then how can they still say its mine. i also dont beleive the balance is correct and have asked for the balance break down and they can not supply me with the information.
Product: Checking or savings account

On XX/XX/2021, I lifted the credit freezes from 4 bureaus ( XXXX, XXXX XXXX XXXX ) so I can apply for a savings account. 
I then went to Marcus ( Goldman Sachs ) online savings website, and applied for a savings account. 

I got a message saying I should call the bank for manual verification, and asked me to reference application ID XXXX. So I did. After some time on the phone ( a call I recorded - I normally record all my phone calls as standard practice, and I am in Texas, a single party state ). After asking me to repeat all the information I provided online, I was informed I am " manually declined '' for Goldman Sachs 's failure to verify my ID. 

After further contact on XXXX with Goldman Sachs, it was suggested maybe I have a typo in my application. So I applied again, triple checked everything, and got denied again ( application ID XXXX ), with the same pretext. 

I have credit scores over 800 in all bureaus, and a high net worth individual who just wants more bank accounts opened to increase my FDIC coverage. I keep my reports frozen as a precaution and lift them only when needed. 

Goldman Sachs failed to disclose why I was denied, and failed to disclose what bureaus and databases they used to reach their decision. 

I have decided not to pursue an account with them anymore, but I have recently examined XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  and found no issues. 

I demand that Goldman Sachs disclose to me, in writing, what databases they used to reach their decision, as I have the right to examine those records and make sure there is nothing about them that is incorrect. 

Thank you, XXXX XXXX