23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was trying to do business with a company, which sent me a check for {$3800.00} to start the process. I deposited the check into my Chase bank account. the bank put a hold on it for four days. When the check cleared I cashed {$3700.00} of the deposited amount. A couple of days later I discovered a negative balance in my account and went inside the branch to find out what happened. The teller informed me that the {$3800.00} check was returned by the originator. I then proceeded to make a deposit to bring my account positive. Then I received a letter from the Fraud Department of Chase telling me to make whole the account, which I had already done so. I went back to the branch and showed them the letter when the branch staff informed me my account was frozen. The staff member tried in vain to unfreeze the account. I called the Chase Fraud Department and after repeated attempts they called me back and told me my account will be closed permanently and I would have to wait two weeks to get my money back. At this time my account has over {$30000.00} in it since recent deposits took place from my XXXX account. I found this behavior by the bank unacceptable and demanded immediate access to my money. However, the man from the Fraud Department refused to budge from his position.
Product: Student loan

put a large payment down on the loan and asked that it be placed towards the principle. it was not, it was placed towards the interest.
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX, Equifax, and XXXX about information on my credit report being fraud and asked for it to be removed. I also sent an Identity theft report from the Federal Trade Commission to confirm, and these accounts remain on my profile. 
The accounts are XXXX XXXX  and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to TransUnion, XXXX, and XXXX since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

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: Debt collection

On XXXX XXXX 2017 I was contacted by Lj Ross And Associates about a debt for {$620.00}, that was previously closed by XXXX via a prior CFPB complaint. ( See Case number : 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 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
Product: Mortgage

Originated Loan with Bank of the West Essex Credit in XXXX XXXX CA During Application process, Loan Officer assured me the vessel would be Coast Guard documented in name of LLC of which I am 100 % owner. Now that loan has closed they refuse to do that leaving me unable to document vessel with Coast Guard
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize or give permission for my credit to be process for hard inquiry by these companies and would like for this information to be removed. While getting my oil XXXX  XXXX a salesman approached me asking if I was curious to possibly receive an upgrade. I said i'm in the process of buying a home and I don't want any hard inquiries on my credit report. He assured me that I will not get any hard inquiries and he was just going to run my information in house on a soft pull to see what I was eligible for. He became pushy and aggressive trying to force me into signing paperwork for a sale that I didn't want. I rushed to the service area to get my vehicle and immediately left because I was angered at the way I was being treated in that dealership. I later saw the hard inquiries on my credit report and returned asking him why did he lie to me. He laughed in my face and called me stupid. I asked to speak to a supervisor and request to receive a copy of the document that they said I signed giving them permission to run my credit. No document ever existed because I never signed anything. This dealership was unwilling to provide a simple statement in a letter for me to remove the Inquiries off my credit report.
Product: Student loan

My student loans are part of the PSLF program. I am a XXXX  and have worked in a XXXX since XXXX. I have accumulated at least 5+ years of qualified payments under the PSLF program. As of my most recent yearly employee re-certification form they ( Fedloan servicing ) is saying that I've only made 9 qualified payments. I contacted them ( Fedloan servicing ) on XX/XX/XXXX about their mistake. On XX/XX/XXXX I received a bland e-mail saying my account was in review. It is XX/XX/XXXX and have yet to have this problem resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased from XXXX a laser with the ability to actually burn items. When I received the item, the item was not capable as advertised on their website. Turns out it was fraud and false advertising with multiple complaints online from people duped into believing the device was capable of actually acting like a torch. I submitted my dispute with USAA along with evidence ; according to their research which they will not share with me, they determined the charge was valid. I see no evidence that any sort of investigation was performed. I was told to submit a letter explaining why as an attachment but I already submitted my dispute within the text field when I originally filed my dispute. 

When I spoke with the MSR on XX/XX/XXXX ; she told me she did not have access to see the original text from my dispute and only the attachments thus creating more work when I already explained why I was disputing it. 

She recommended me sending a letter to dispute it again via mail. Not sure why I would want to do that when I already did it online. Submitting it via mail would only add to further expenses on me for already being defrauded by this company. 

I also submitted a complaint directly to the company Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian.com on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 -- I received an email from XXXX XXXX stating a " hard '' inquiry had been made on my credit file by Veteran Uni. I went to XXXX XXXX 's website and saw the inquiry and contacted Veterans United Home Loans. Spoke to XXXX at Veterans United he said they received an inquiry from XXXX or XXXX. I explained I live in a retirement community and I was not looking for a home or a loan of any kind. He was unable to provide an IP address where this originated and only could tell me it was done at XXXX XXXX. on XX/XX/2021. I also received an email stating my " account '' had been successfully created on Veterans United Home Loans website and I could access it anytime. I did not set up that account either. I then spoke to a manager at Veterans United Home Loans named XXXX XXXX and he provided the same information that XXXX provided except he suggested I file a police report, file a complaint on identity theft.gov and freeze my credit bureau reports in the event someone is trying to take my identity. 

Mr. XXXX also stated he would email me all of the information he can to ensure I can take the necessary steps to get this corrected. Their phone number is XXXX
Product: Debt collection

CAPITAL ONE XXXX XX/XX/2012 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9900.00}, {$9800.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$9800.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Please Compare the Escrow Statement dated XXXX to the Escrow Statement dated XXXX - as well as the XXXX Billing. You will see three different monthly payments, wildly altered Escrow statements and fraudulent late fees being charged, but they not applied. 

1. Increasing escrow monthly payments based upon erroneous and fraudulent projections totally XXXX per year when escrow expenses historically for 10 year old mortgage avg. XXXX year. 
2. Refusing to re-figure escrow analysis and projections. 
3. Charging late fee 's but refusing to apply late fees to monthly mortgage payment, resulting in classifying said monthly payment as not yet satisfied. 
4. Hanging up when asking to speak to supervisor. 
5. Fraudulently and willfully omitting previous years escrow account balance in year end statement, thereby creating justification for escrow projections of double for current year ( i.e. Escrow account had XXXX balance, Carrington said it was XXXX, and therefor projected I needed XXXX more over the next year in escrow on top of the already XXXX my monthly payment included. ) 6. Reporting to credit agencies mortgage is 2 months or less behind when in fact the payments were made on the XXXX of the month it was due - fair credit reporting act violations. 
7. Willfully and knowingly lying to me that the FHA does not allow a homeowner to cancel the MIP portion of the loan. This is blatantly false. When confronted and forced to address the written law of FHA MIP requirements Carrington refuses to release the amortization schedule that they use to figure when my loan will be at 78 % equity. 
8. Willfully and knowingly refusing to release a current escrow analysis statement explaining why my monthly mortgage payment has more than doubled in the 9 months since they purchased my loan from XXXX.
Product: Credit reporting or other personal consumer reports

I noticed TDRCSXXXX XXXX XXXX and XXXX furnishing illegal information on my consumer report. There is a late payment reflected on XX/XX/year>. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, this furnishing is illegal and bearing on my credit worthiness.
Product: Mortgage

I was charged XXXX dollars a phone call to them when trying to solve my late payment and was add on as late fee to my loan they foreclosed on me costing me XXXX dollars I had made up to XXXX phone calls to them at that cost after we made a deal thought my attorney I had to pay 3payments on time sent thought the mail that had to sign for the money order all paper work was given to my attorney and they tryed to said I don't make that last payment after they had to sign for the letter with money order hhad to send a payment to stop them from forcloseing on my home if would not charge me XXXX phone call and worked with me never would have cost me XXXX dollars more
Product: Credit reporting, credit repair services, or other personal consumer reports

All Credit bureaus broke federal law and violated my consumer 's rights. XXXX, XXXX, XXXX  I written a letter to All three bureaus to remove the accounts listed in my letter due to the fact there is no written consent from me ( consumer ) to place the accounts on my consumer profile. Trans union Never sent me any results from the first round of letters I mailed out to credit bureaus Violation 1- 15 USC 1681 ( b ) Permissible Purpose- A consumer must provide written instructions to the CRA on what is needed to be reported on a consumer report. The CRA do not have a written consent from consumer for the accounts listed on the consumer report. 

XXXX, XXXX I sent another letter out to request the method of verification from the credit bureaus but No one provided the information I requested. XXXX, XXXX and not even Trans union responded to may request. 

Violation 2- 15 USC 1681a ( e ) - Request of Method of Verification was not provided by the bureaus. As consumer, I have the right to know what method was use to conduct an investigation by the CRAs. 

There are collection reporting on my consumer report that I did not give any consent to have my personal information. This is a violation of my right of privacy. 

Violation 3- 15 USC 1681a- consumer have the right for privacy.
Product: Mortgage

My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller Ocwen Loan Servicing, LLC Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida  statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.
Product: Checking or savings account

I closed my savings account at Fulton Bank of New Jersey XXXX branch on or around XX/XX/18 or XX/XX/18 and the complete balance of {$48000.00} was given to me in a check which I deposited at another local bank. Since then I have been getting collection letter notices saying that my account has been overdrawn since XX/XX/2018 and they are trying to assess me overdraft fees when I don't have an account there since I closed it. Now they are threatending to send my name to a consumer reporting agency ( letter from XX/XX/2018 ) attached. I am XXXX years old and elderly, please contact my son who is helping me file this electronically ( I have included his phone number ) - can you please help me and work with my son in getting them to leave me alone, and stop trying to assess overdraft fees on an account that I don't have any longer and which has never been overdrawn, and keep my good credit record intact.
Product: Vehicle loan or lease

I am contacting you because I believe that I am paying too much for a used car. I brought a XXXX XXXX XXXX for XXXX from JDBYRIDER in XXXX. The car had XXXX miles on in when I brought it. They have recently moved to XXXX. When I brought the car home, it was hard for me to turn it back on. I went to them and I needed a cam sensor. The sales associate assured me that everything on the car was in good condition. The car had bad tires and rotors, which I told them about when I took the car to get the cam sensor changed. They told me nothing was wrong. I went to get my brakes checked and they told me there was nothing wrong. When I looked at the brakes they were almost gone, so I changed them and my rotors. I also bought the car with a broken side mirror and told them about it, but they said I would have to pay for that. I told them I was not paying for that because it was broken when I brought the car. The sales XXXX XXXX said that it was not covered in my warranty. The mechanic looked at the mirror and said the bolts were broken. He said that I would have to pay XXXX dollars for the mirror and XXXX dollars to get it painted. I went to talk to the the sales associate that sold me the car and he said he knew nothing about it. The spark plugs needed to be changed because they were corroded and had oil on them. They put the wrong type of spark plugs in my car and it did not run right until I put the right ones in it. I told the mechanic that there is a loud noise coming from my car, which I told them to check the brakes and rotors and they told me there was nothing wrong and they denied me. when I changed my brakes and rotors, the front brakes were worn unevenly on the outer side. The rotors were rusted and were hard to come off. I told them that my dashboard vibrates when I accelerate or slow down really fast. They looked at it, but it still would make noise and vibrate. They do not put the work that they have done on people 's cars in the computer like they are supposed to. 
Furthermore, I am paying too much for this car and the payment do not seem to be going down. It has become hard for me to make the payments on the car and all the car company does is constantly call for money. They do n't care about what I am going through, they just want money. They do n't wan to reason with me at all. The car is not worth as much as I am paying for it. I think there is something else going on.
Product: Prepaid card

I received a AMEX gift card for the holidays, and every time I attempt to use it AMEX declines the charges. I have {$2000.00} on the card and it declined three separate purchases one for XXXX and a second for XXXX and a third for XXXX. It is extremely frustrating, because my parents purchased this for me and its like throwing their money away...
Product: Payday loan, title loan, or personal loan

I paid XXXX XXXX on the loan, had paid in full many loans with XXXX XXXX. 
Had called XXXX XXXX for a settlement ; he said he was waiting for a figure from his supervisor XXXX XXXX. No letters to collect were ever sent to me. 

On XXXX-2018 XXXX XXXX arranged to have my XXXX XXXX repossessed. 
When doing so XXXX XXXX 's repo company/vendor with XXXX caused destruction toward my vehicle and stole items out of it. 

XXXX XXXX will not take responsibility for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2020.