23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have previously filed a complaint in which they directed me to contact them directly which I have done so. It has been 2 weeks and have received no response. 

I received notice of XXXX XXXX XXXX threat to sue me in XXXX of XXXX. And emailed notifying them I was unemployed at the time due to work injury. Which is why I had stopped making payments and notified the original credit card company in XXXX since the injury had me out of work for over a year and a half and I was still having problems with it and finding a new job. I was employed briefly in XXXX before being let go due to covid also which is why I still was unable to make any payments. 

Supposedly they granted a 90day extension for hardship but I was never notified and they still have not been able to provide proof of that notification. They they sued me and the only documents I received was I stamped/ sealed documents that were not served to me or any family member the person that they served them to didnt even have the same last name and waited a month before showing me them. After I never received anything ( no court date notification or court appearance requirement etc ) until they sent a letter stating the judges ruling ( again no court deal or signature and it was on their letter head not the local court letter head ) for an amount of almost {$1000.00} more than what they were originally suing me for. They last correspondence on this site said that I should contact them to discuss a settlement which I have numerous times and have received nothing not a letter in the mail, email, or phone call. This is the only way I have received a response from them. I prefer a notification in writing either in response to my emails or a letter
Product: Vehicle loan or lease

I was unable to make a successful payment on my auto loan as of the statement of XX/XX/year>. This has caused Ford Motor Credit to accrue late fees, Submit a XXXX late payment, and a repossession on my credit report. I have continuously submitted payments that were returned on the account. As of sometime in XX/XX/year> the online access was revoked. 

I proceeded to contact Ford Credit. They told me to make a payment through XXXX XXXX or XXXX. I exercised that this was extremely convenient because of my work schedule. However, on my free time that was convenient I attempted to make the full payment at my earliest convenience. 

I then found out that the vehicle was repossessed on the morning in XX/XX/year>. This caused over {$1000.00} of fees to be added to account balance, me to take off work, and to travel over XXXX miles without my vehicle. 

I paid the balance in full immediately and still had to wait a business day to receive the vehicle. At the same time Ford Credit did not give me a solution to release the vehicle to a third party. I stated I was not available due to work. However, the repossession company gave me Ford Credits process to release the vehicle to the XXXX-party. I had to be on hold for a total of around XXXX hours. This was attempting to contact XXXX credit to make a payment, review the statement, retrieve the account number for payment, and request a third party release form. 

As of today, I have not received a statement since XXXX 2024. I do not have access to the online account. My credit report is reporting a XXXX late, a closed auto loan, an open and closed collection account, and a repossession.
Product: Bank account or service

I deposited a check for XXXX XX/XX/XXXX, the check was returned XXXX/XXXX/XXXX therefore the XXXX was debited from my account. On XXXX/XXXX/XXXX XXXX was debited from my account again, stating the check deposited on XXXX/XXXX/XXXX was fraud. Hence, my account has been debited a total of XXXX. I immediately called to file a dispute and was told I needed to go to the branch. On XXXX/XXXX/XXXX I went to the branch and was advised I need to file a claim over the phone. I then filed a claim and was told to wait 7-10 days.. I waited. I called back and was told that claim was closed and another one was opened XXXX I was told to wait 2 weeks.. I waited. Today XXXX/XXXX/XXXX over a month later I called to check the claim and was advised by the claims department that because they only debited the account once and refunded the money to the person that wrote the check, if I wanted my XXXX back that was debited on XXXX/XXXX/XXXX I had to contact the branch because there was nothing they could do. I then called the XXXX Fl office where I have my account, I spoke with a XXXX who advised me I needed to come to the branch. I advised XXXX I have since moved to XXXX Oh and there are no branches here. I explained to her what I have been going through, she advised me she would forward to an escalations team to " look at it ''. By simply looking at my account it is plain to see Wells Fargo owes me XXXX. I have been charged a total of XXXX plus fees for a single check that was returned. WF got their money out of my account 4 days after the check was deposited, there was no reason to debit my account the second time.
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 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 requirements under the electronic fund transfer act ( EFTA ) and regulations. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations. XXXX XXXX
Product: Checking or savings account

My issue is I called on Tuesday XX/XX/XXXX to close my BMO Harris account. I called the next day on the XXXX to verify my account is closed. Today Friday XX/XX/XXXX I was charged two payments that I can't afford. I spoke with XXXX in the XXXX department and she admitted that my account should have been closed but doesn't know what happened. The only thing she said was that she was sorry and I have to bring my account current. She said she was unable to freeze my account or stop any fees from occurring. She said there is no one above her to speak with. There was no resolution. She was unable and unwilling to help me. I believe a fair resolution would be for my account to be closed without me having to pay anything. I believe this is fair because this is how it should have been in the first place. I called when my account was current and 3 days before anything should have came out. Now I am stuck to deal with
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

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XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute adverse information appearing on my credit report, which has negatively impacted my creditworthiness. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am demanding a thorough investigation and verifiable proof of all derogatory accounts currently being reported. Dispute of Adverse Credit Information & Impact of the XXXX Data Breach I have recently reviewed my credit report and found inaccurate and/or unverified negative accounts listed. I am formally requesting an investigation and demanding verifiable proof that these negative items belong to me, were properly verified, and were reported in accordance with federal law. Additionally, I was a victim of the XXXX data breach that compromised the personal information of millions of consumers. As such, I have reason to believe that my personal data may have been improperly accessed and used without my consent. Given the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against XXXX for improper credit report investigations, I have serious concerns about the legitimacy of the reporting practices used to verify negative items on my credit report. Experian has the same unethical practices. Legal Basis for My Dispute Under the FCRA, I have the following rights : Right to Accuracy & Verification Pursuant to 15 U.S.C. 1681i ( a ), credit bureaus must conduct a reasonable reinvestigation when a consumer disputes inaccurate or unverified information. I demand that each disputed item be verified with original source documentation or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX times for XXXX account # with diff amounts?! ) The CFPB has publicly stated that XXXX engaged in improper credit report investigations, violating consumers rights along with Experian. I demand a full and legally compliant investigation into these disputed items. Demand for Verifiable Proof of Negative Items For each disputed item, I request the following verifiable documentation : A signed contract proving my agreement to the alleged debt. A full account history showing accurate reporting dates, balances, and status updates. The method of verification ( MOV ) used by the credit bureau under 15 U.S.C. 1681i ( a ) ( 7 ). Copies of all comuunications sent to these alkleged creditors regarding these accounts.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX accepted a negotiable instrument for loan ( XXXX ) satisfaction on XX/XX/2023. They are still in possession of the negotiable instrument XXXX and have not discharged the debt. They have filed foreclosure without any foundation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

Mr. Cooper Mortgage is a scam and no longer want them as a lender! I have been dealing with discrimination for a long time. They are intentionally trying to make me lose my house. HAF has recently assisted me in paying the mortgage up and Mr. Cooper intentionally kept denying my mortgage payments until I had to get a paralegal involved. They finally received my payments and adjust my loan and corrected their errors until I was notified that mortgage payments were returned back to ( HAF ) now I'm back in the same situation. I have consulted legal counsel and legal action is being taking. I have documents and proof of discrimination and witnesses from HAF to speak on my behalf about how difficult Mr. Cooper was about my loan.
Product: Checking or savings account

Capital one has yet to deposit my paycheck that I have proof was send and received tuesday night. I have bills and auto drafts and a medically complex child and with no funds being deposited he has to go with out things he needs because auto drafts are still auto drafting. I have called was hung up on twice.
Product: Credit reporting or other personal consumer reports

I would like Equifax to remove all wrong and incorrect information from my credit report. I have disputed this information before and no action was taken.
Product: Bank account or service

A handwritten letter from another bank customer arrived tucked into official correspondence from the bank. 

The handwritten letter was from my parents who I 've gone to great lengths to severe ties with for safety reasons. The letter addressed a banking request ( they wanted me to remove my name from their safe deposit box ). The letter then included personal questions and information about my children as well as a request to restore contact with them. 

This is a completely unacceptable breech of my privacy. Any request to remove my name from a safe deposit box should have been handled by the bank exclusively.
Product: Checking or savings account

On XX/XX/XXXX Capital One placed a legal hold on 2 of my accounts referencing a Writ of Garnishment from Attorney XXXX XXXX. 
I informed Capital One Customer Service and Bankruptcy Department through numerous employee transfers that I had filed XXXX  XXXX Bankruptcy on XX/XX/XXXX. An automatic stay of all garnishments and credit collections was placed. 
Therefore the XX/XX/XXXX legal hold placed on my accounts was a violation of the Bankruptcy Court Order. 
On XX/XX/XXXX I faxed and emailed the XX/XX/XXXX Bankruptcy Court Order to Capital One 's levies and garnishment department. 
On XX/XX/XXXX Attorney XXXX XXXX ( who filed the writ of garnishment ) completed and faxed a court-filed Dismissal of the Garnishment. 
On XX/XX/XXXX I faxed and emailed Capital One a copy of the Garnishment Dismissal and another copy of the Bankruptcy Court Order. 
Capital One Customer Service Department is not able to verify that the faxes or emails are received or processed. They further refuse to provide a phone number for the Levies and Garnishment department. 
In short, the hold on my 2 accounts is illegal and a violation of the Bankruptcy Court Order. The attorney that requested the Garnishment has confirmed to Capital One that it is an illegal hold and to dismiss it. Capital One has not done so and has not provided any contact information to confirm its processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

XX/XX/19 Credit Card was charged by XXXX XXXX ( XXXX ). An attempt had been made to stay at the property. The Website reported it did not charge card as motel was FULL. I booked another XXXX XXXX for same day for XXXX $ over 50 miles away have documentation to prove. 

After charge for XXXX $ showed up on credit card days later I called merchant and asked for a refund and they informed me that I was indeed a no-show as I didn't know the reservation went through. I was told my only option at this point was to dispute the charge with my bank. I did that and after 2 months of waiting Wells Fargo says I made the purchase and they WILL NOT charge it back to merchant. So now my CC is over the limit and they will be reporting to the credit beau that I am OVER LIMIT and this will negatively effect my score. they have offered no other help except continued rude and frankly negative attitudes when I have shown all that they need. 

A document came in the mail as " proof '' I stayed but I will attach and you will see that it lacks my OWN signature on the repcept nor does it have my ID number or CAR info.. ALL OF which I had at the other location I will get a copy from them as MORE proof I do not owe anything and therefor WF must repair my credit and REMOVE and REFUND the money to my account without further incident, Attached 3 documents for review. 

1. Bank Credit Statement Showing Charge 2. XXXX XXXX Reservation for Charge 3. WF rejection of dispute.
Product: Mortgage

Back in XXXX I received a collection call from my mortgage company that my payment was short. I was told my escrow account was short and I needed to make it up with an immediate payment of {$1700.00} and my payments were going to go up around {$900.00} a month. I asked them to explain the shortage and they claim to have sent an explanation back in XXXX of last year. I told them I received nothing but there must be an issue with the transfer when they bought my loan out from the previous company last XXXX. I also told them I made a payment myself of more than {$7000.00} to the XXXX County tax assessor to pay my HERO loan and to get the deduction for 2017. They also were trying to collect a missed payment they didn't receive from my last mortgage company ( Plaza Mortgage ) which has since been resolved. I was not happy and told them I would make the payments to keep my credit in good standing and they needed to send a statement proving I still owed this amount in unpaid escrow. I also have asked multiple times to stop my escrow account and they have refused claiming their policy does not allow it under certain conditions I haven't reached. I reminded them their conditions don '' t apply since I signed a contract with XXXXXXXX XXXX not them. XXXX 's contract did not forbid me from their conditions of 2 years and 80 % equity or better. I also sent them the receipt for the credit card payment I made and they told me a check for more than {$3000.00} and a statement has been mailed. I have yet to receive either even though I've been told multiple times on the phone and by email the proverbial check is in the mail! And they still refuse to cancel my impound account and I was briefly given poor credit rating on TransUnion credit bureau for their mistakes and poor accounting.
Product: Student loan

Nelnet engaged in Predatory Loan Practices.

1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so 2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete XXXX XXXX XXXX Bank XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXX CARD - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry Cross XXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry