23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. The Pick A Pay Loan Disclosure WAS NEVER SIGNED more then once. This is fraud that needs to be addressed. 
2. I am faithfully addressing the issue by requesting Wells Fargo Home Mortgage to accept a Certified Affidavit for Forgery Signature from a Handwriting Exert. 
3. I am requesting the address of were I can send my Certified Affidavit for Forgery Signature and name. 
4.Wells Fargo Home Mortgage will send me copies of documents but when I ask for a exact answer about a document Wells Fargo Home Mortgage over many months will not answer my question or give vague answers. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
5. I am not getting the answers to my questions I am requesting the mailing address of the CEO of Wells Fargo Home Mortgage in order to correctly address my loan concerns. 
6. I am now requesting the direct contact number to the fraud department Wells Fargo Home Mortgage.
Product: Debt collection

US Bank is saying I owe them {$1700.00} over 1 penny back in 2007 I tried to resolve the problem I couldn't get any help so I just left the bank alone. They were trying to charge me {$100.00} for the penny overdraft now they want {$1700.00}. They state that they are a federal bank and will get their money. {$1700.00} for 1 penny
Product: Checking or savings account

I met the terms of the promotional bonus for {$200.00}. HSBC confirmed I met the terms but then said I had a credit card so therefore I was not eligible. There was no prohibition as the limiting terms were " consumer deposit or investment account " Despite numerous attempts they refuse to pay the bonus. See section 1. of the attached document.
Product: Debt collection

On XX/XX/XXXX, I requested via certified # XXXX XXXX XXXX XXXX XXXX RESURGENT CAPITAL to cease communicating with me, after which I was contacted several times and I requested any documents bearing my signature that prove I have a legally binding obligation to pay the alleged amount. On XX/XX/XXXX, I received a fake print out and RESURGENT CAPITAL are stating the copies as evidence of my legal obligations. In accordance with the FTC opinion letter from Attorney XXXX XXXX XXXX, I would like to remind RESURGENT CAPITAL that a printout of a bill or itemized document does not constitute verification. 
A copy of any documents, bearing my signature, showing that I have a legal obligation to pay RESURGENT CAPITAL the alleged amount is again requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has removed the inaccurate XXXX joint account from my husband 's file. Can you please do the same on my file please. 

Thank you!
Product: Credit reporting or other personal consumer reports

I was notified by letter that XXXX XXXX XXXX XXXX had a data breach and I was one victim. I was told to freeze my credit with all XXXX credit reporting agencies. I attempted to call, use the text system and live chat and all XXXX have been hacked! None of the people could form a proper sentence in English, it was jumbled and made no sense and when I asked on the phone after multiple attempts to get to my credit to freeze it, they refused to transfer me to an American. 

Nobody at Transunion can assure me they are Transunion! So I believe Transunion has been compromised. Here is proof, as the texts I am uploading prove this is a hacker. No company from America would hire anyone who would be unprofessional, can not form a proper sentence and add random brackets to texts and expect us to trust they are Transunion. 

Meanwhile, I can not put a freeze on my credit. So I am reporting Transunion has been hacked as well and the company is responsible for the mess and my inability to freeze my credit report.
Product: Student loan

my daughter was cancel from school after to month because she missed a few days of school.
Product: Debt collection

This company did not properly follow the decree set forth by the CFPB. They continue to harass me. I am on social security and recently suffered a XXXX XXXX. This debt was iin dispute originally. There was no chain of custody provided other than a bill of sale. Portfolio Recovery relied on in house verification
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX/XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX/XXXX  # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

In XX/XX/XXXX, I began the process of refinancing my equity loan with XXXX. The loan was transferred from XXXX to XXXX XXXX in XX/XX/XXXX. This loan has never been late and each payment was made in full on time. I planned to complete renovations on my home in XXXX before I encountered an unexpected delay that caused the renovations to continue into XXXX. During the month of XXXX, I closed on the refinance on XX/XX/XXXX and expected the disbursements to occur within 3-5 days of closing. In fact, I received the disbursements on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX XXXX was transferred to XXXX Bank. At this point, I was not notified from neither XXXX XXXX or XXXX Bank that the payment was late. I was only notified that the loan has been transferred. On XX/XX/XXXX I was notified that Dovenmuehle Mortgage ( DMI ) reported my account 30 days delinquent. On XX/XX/XXXX I reached out to my loan advisor at XXXX for clarity and was partnered with the Care Team of XXXX to correct this reporting. 

I reached out to DMI myself and was denied twice even after submitting the requested documents. I submitted the email showing that my loan advisor advised me not to send a XXXX payment since the loan was scheduled for payoff ; my credit report showing the delinquent reporting ; and the email verification to show the date the loan closed. The first response from DMI stated the account was reported in good standing. The second response denied my request for changes. The care team of the financial institution that I am refinancing with reached out to DMI directly. They explained the timeline and how I was not at fault ; but, DMI responded and declined the request to make any changes. 

I have sent another email asking for a goodwill adjustment. I have never been late on any accounts. I have always maintained an A+ relationship with all banks and financial institutions. The missed XXXX payment was a mistake. This loan was being refinanced and transferred at the same time. I hope that with the help of CFPB that the reporting can be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other

than records of convictions of crimes, that is older than seven years. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it i
s stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 50 ( 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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened a checking account with chase bank on the XXXXXXXX XXXX  XXXX and deposited a refund check that the US Treasury issued to me from my 2020 stimulus EIP check that I received in late XXXX of this year and they wont release my funds after restricting and closing my account. They say they can't verify the check. I've got a email from the fiscal payment of the US Treasury confirming and verifying the check and that it's issued to me and it also includes Chase 's banks headquarters in XXXX section of the email and I showed this to the people at a local chase branch and contacted the verification line for chase also and neither one helped and didn't assist me with anything and continues to keep my funds that rightfully belong to me. Chase bank also sent me a letter saying that my account was closed and that they would be issuing me a cashier 's check via mail for the remaining funds in my balance just for me to find out that wasn't the case and they have no intention of sending me my funds or releasing my funds to me
Product: Checking or savings account

On XX/XX/2021 I left my phone and some debit/credit cards in my roommates car. Later that day and evening someone used my Robinhood ATM card to withdraw {$880.00} from my account. I didn't realize it had happened until a few days later. When I did recognize it. I tried to dispute it online using their app. It told me I couldn't. I then put in to be called back by customer service. This call never came. It took me a month to actually file the dispute. It took me another two weeks to have the matter addressed with more than just an acknowledgement that the theft took place. After waiting for the requisite ten days for the investigation to proceed, I realized that I had received an email informing me I was sent an email with a questionairre. That questionairre never came. When I messaged the Cust. Support Team again to inform them I did not get this questionairre, I was told that they were waiting on me to complete the questionairre. I submitted complaints with the SEC and with the bank that handles Robinhood 's ATM debit transactions and nothing has come of it. I submitted online complaints with them again and am waiting to receive a call back from them. It is almost XXXX. Robinhood is out of Reg E Compliance and needs to return my money.
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late is verfied. The following accounts are : XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S.

Code 1666b -Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

XXXX XXXX has certified and verified that no such transaction is found in there system for my card! 

This is a criminal lawsuit I can not wait any longer bc I have proof my card was not charged and it is illegal to hold someones money when I have provided proof from merchant whom has no transactions for my card. I am going to blast cash app all over every website possible with bad reviews and to the ceo of this company if I do not get my money today in the amount of {$68.00} you have held with cash app for no reason AT ALL, AFTER I verified with merchant and sent proof of this they have no transactions what so ever for my account or card! 

Please credit my account immediately.
Product: Prepaid card

I'm an American citizen presently residing in the XXXX since XXXX of XXXX. I have received my social security payments on my direct express card ever since I've been here. My latest deposit from social security was deposited onto my direct express card on XX/XX/XXXX, but my card has been locked by direct express ( Comerica bank ). Since XX/XX/XXXX I've made over 50 phonecalls to direct express, answered scores of security questions, passed two identity checks, and have been told several times that they have unlocked my card. But when I try to use it, I find that it's still locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got accepted for the card but still got an inquiry!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

BENTLEY FINANCIAL SERVIC Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XX/XX/XXXX-XX/XX/XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XX/XX/XXXX-XX/XX/XXXX. After XX/XX/XXXX THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. Bentley had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from Bentley financial. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to XXXX and Transunion notifying them about the inaccurate information on my consumer report. Until now I didn't receive any response or any result of their investigation. I feel frustrated and I am in distress this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In reference to previous CFPB complaint # XXXX dated XX/XX/XXXX and company 's response to said complaint, I still HAVE NOT received my refunds in the amounts of {$620.00} ( security deposit ) and {$170.00} ( overpayment ). Company stated that the refunds have been sent to me 2 weeks ago ( in company 's response to above cfpb complaint # ). Yet I have still not received anything. When I call XXXX XXXX to inquire about the status of my refunds, I just spoke with a XXXX in customer service ( XX/XX/XXXX approximately XXXX EST ) who informed me ( after reading all the notes on the account and having me on hold awhile ) that they no longer have a system where they can see when the refund was issued to me or any type of status relating to it. XXXX says they " used to '' have it but have recently gotten rid of that system. What??? How convenient. She then goes on to inform me that I should get my refund " any day now. '' I was then transferred to XXXX  in the lease department who informed me that he didn't see the {$620.00} amount as a refund or security deposit or that it even ever existed on the account. Basically, I am still being given the run around and have NOT received any refund.
Product: Checking or savings account

Almost every service that provides cash advances and/or personal loans now uses Plaid in order to connect to the customers bank account. Because of Plaid not supporting my XXXX XXXX account ( which Is where all of my income activity is ) I am not able to request any kind of cash advances, personal loans, or line of credit. I dont understand how Plaid can say that XXXX is not really a banking service when it absolutely is. I can set up direct deposit to XXXX, I have a bank account and routing number, and it does literally everything any other bank can do online. I cant prove my income to any financial services because of Plaid and because of this I am not able to request financial assistance when Im in need.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report has taken over 30 days. I received a stall letter