23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I took out a loan in XXXX 2014 for {$1000.00}. I paid on the loan monthly for XXXX or 14months. Due to health issues I did n't work for 5 weeks and could n't make a payment for the first time since the duration of the loan. I communicated this to Maximum Title Loans and that did n't matter. All I heard that there was no grace period and that the payment needed to be paid. I told MTL that I would make the payment the following month and it would be a double payment. Before that day came I would receive 9 calls a day on my cellphone at multiple of XXXX. With me being at hardship my cellphone was finally disconnected.At this point I would be receiving calls at work. I took a few calls at work and told them when I would be paying and not to call me at work because I could n't receive personal calls. That did n't matter because I kept getting calls and MTL was told by multiple co-workers and then to my supervisor. This was also done at multiple of XXXX 's once a day. They were told so much to stop calling my work that I got a write up and was suspended for 90 days without receiving a bonus check. This all happen within 30 days of me back to work from being off for a month with health issues. Once that happen I was very upset with the company and refused to pay on the loan. I was a customer that always paid them and did n't appreciate the way I was treated after defaulting on XXXX payment. With that being said I am now going to court against this company as they are trying to get a judgement for {$1500.00} which is {$500.00} more than the orginal loan. I also have paid approximately $ XXXX {$2000.00} on the loan and was down to $ XXXX on the loan before I defaulted. I know that I owe the company but my no means do I owe triple the amount that I borrowed from the company. I was a good customer and they were very unprofessional once I defaulted. After losing wages I was n't even thinking about paying MTL at this point. Would n't ever recommend them to anybody.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries these are unauthorized I did not agree for my credit to be ran.
Product: Credit reporting or other personal consumer reports

Today i reviewed my credit report and scene that there is a account that is not reporting accurately. it is currently showing i have 1 late payment on a account, even though it was paid on time. The credit reporting agencies needs toreport all information with complete accurate information. This account has not been late on any payments. I have attached a copy of my reports to this complaint on the following date XX/XX/year>. I am not requesting you investigate and provide verifiable proof with records showing that i had a late payment. if this information can not be verified i demand that this payment be updated to paid on time immediately. my credit score was XXXX, this has been a inconvenience Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank approved a Flex loan for me via my AT & T Universal Credit Card issued by Citi. The funds were approved and wired to my bank XXXX, but to a wrong account which Citi failed to disclose to my bank or myself in XX/XX/XXXX. 

After many telephone calls, conference calls and requests by XXXX and myself to Citi personnel, the funds were located and transmitted to my account on XX/XX/XXXX. I was told by Citi on XXXX XXXX that the payments due for XX/XX/XXXX and XX/XX/XXXX would not be posted as late and there would be no negative reporting to my credit report. On XX/XX/XXXX XXXX  alerted me to a XXXX point drop of my credit. From XXXX to XXXX. I immediately called Citi who assured me this would not happen and of course they danced and gave excuses. 

I have escalated this to the CEO of Citi with no response. It has been recently reported Citi has sent money to wrong account as a result of bad IT systems. It is reported this week they sent {$900.00} XXXX in error to wrong accounts forcing their CEO to retire early.
Product: Checking or savings account

I have a money market account with BBVA Compass. I have tried to make online transactions to transfer money out of my account on several occasions. The transactions do not process, and BBVA has no explanation on why the transfers are being refused nor are they assisting me. They state that I simply need to schedule the transaction again, however each and every transaction scheduled fails without an explanation.

Efforts to reach their corporate department have failed. BBVA does not have any branches in GA, which is where I live, so I can not meet any representative. 

I am an XXXX and planning to file a lawsuit against them. I have $ XXXX in the money market account and can not get any money out. 

I have also sent a notarized letter asking for the account to be closed and the funds to be transferred to me. BBVA is refusing to close the account. 

In addition, under their disclosures of opening a money market account, BBVA does not clearly disclose that there is a monthly limit of {$7500.00} to transfer funds out of the money market account. They only disclose a maximum of 6 monthly transactions but not a monetary cap. This is a deceptive practice and they were unable to point me to a disclosure discussing the dollar cap.
Product: Credit card

To Office Of CEO at Capital One, I am writing to formally demand immediate remedial action regarding the adverse actions taken against my application. Unless a prompt resolution is achieved, I will seek appropriate remedies, including but not limited to monetary relief for all related damages, including mental anguish, or the issuance of an open-ended charge card, as the account will be securitized and traded in accordance with your prospectus. 

Denying credit or discriminating against an applicant is not only unethical but also unlawful. Such actions constitute an adverse action under Title 15, USC 1691, which prohibits discriminatory practices in credit transactions. Additionally, 15 USC 1681 provides congressional findings reinforcing consumer protections. Under 15 USC 1611, there are provisions for criminal liability in cases of willful and knowing violations. The regulations in 12 CFR 1002.4 specifically address discrimination and discourage adverse treatment between applicants and creditors. 

Moreover, I assert that my application is a digital asset representing a significant component of my financial identity and potential interactions with your institution. The application process serves as a critical touchpoint for customer engagement, data collection, and service delivery. The mishandling or denial of my application compromises not only my financial opportunities but also the integrity of your service platform. 

Furthermore, I expressly state that I **DO NOT CONSENT** to Capital One sharing any personal information with any third parties or agencies. This includes, but is not limited to, addresses, signatures, Social Security numbers, account history, and any other sensitive data. If any agreements have been entered into with Capital One that would permit such actionswhether known or unknownI reserve all rights and demand the immediate rescission of any such agreement unless appropriate remedial action is undertaken without delay. 

I expect a prompt response to this matter and a clear outline of the steps Capital One will take to rectify this situation, including the provision of the remedies outlined above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$600.00}, Date opened. XX/XX/2018.
Product: Student loan

Companies involved : Great Lakes Borrower Services and Nelnet. 
XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. 

XX/XX/XXXX - With the XXXX loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. 
Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 
{$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. 

The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. 

XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. 

XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to XXXX loan forgiveness plan and the supreme court ruling . 

I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.
Product: Mortgage

I was a previous XXXX XXXX at Flagstar Bank. I was laid off  Tuesday XX/XX/XXXX. Shut out from helping close any loans I was working on. Will only be paid on loans closed by end of XX/XX/2023. Yet my clients have not been contacted, their loans are not moving forward. The company will not give me updates. And the clients are super upset and I will lose potentially over {$20000.00} in commissions by a bank that does not have the capacity to close these loans.
Product: Debt collection

I am being harassed, abused and mistreated by IC Systems Call Center Representatives who is constantly and repeatedly calling my phone number, harassing me and using profane language against me for a medical debt from XXXX XXXX XXXX, thats not my debt or account, and is the result of identity theft. The medical debt or account is not my account or debt. IC Systems is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law.
Product: Credit reporting or other personal consumer reports

I'm disputing incorrect information on my Experian credit report, specifically regarding incorrect names, addresses, and employer details. The wrong names listed are XXXX XXXX XXXX and XXXX XXXX XXXX The correct name should be XXXX XXXX XXXX XXXX. Also, my report contains incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The correct address should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My employer is incorrectly listed as XXXX XXXX XXXX and XXXX XXXX, while the correct employer should be XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the highest possible accuracy in consumer reports. As this error violates that obligation, I request the incorrect details be removed and updated with my correct information. Once this correction is made, I would appreciate written confirmation and an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Since XX/XX/2021, I requested that Freedom Mortgage take a mortgage loan in my name off of the COVID forbearance it had been on and to proceed with a Stand Alone Partial Claim, according to the CARES act provisions. However, to date Freedom Mortgage has failed to do so. For over a year they have sent me conflicting information and HAVE NOT sent me the final documents required to process the Stand Alone Partial Claim, which I signed for back in XX/XX/2021. I have called Freedom Mortgage many times, the last time in XX/XX/2021, in the hopes of resolving this issue. Each time they stated they put in a request to have my account reviewed by loss mitigation department and that I would be sent the correct documents. However, this has yet to happen. Be advised, that since XX/XX/2021 Ive requested that Freedom Mortgage provide a lawful validation of debt, and although this request is still in progress, I have always been willing to resume and make mortgage loan payments. 

For clarity, heres the last email correspondence I had with Freedom Mortgage on XX/XX/2021 regarding this matter ( Ive attached to this complaint the documents referenced below ) : The document you've included dated XX/XX/2021 is in fact the document that was sent to me via XXXX and that I received. Just as I explained to the Freedom Mortgage representative XXXX during our conversation yesterday, the documents sent to me are not related to a PARTIAL CLAIM. In fact the document you are wanting me to sign is for a COMBO LOAN MODIFICATION and PARTIAL CLAIM, which I will not move forward with. I reiterate I have not received documents via mail to sign for PARTIAL CLAIM. For months now I've spent hours over the phone trying to figure out why I keep receiving conflicting information and requesting that the PARTIAL CLAIM be processed accordingly. However, nothing gets resolved. 
To give clarity on the false and misleading information Freedom Mortgage has provided to me, I am attaching the following letters which were sent in relation to this matter : - XX/XX/2021 : Combination Partial Claim & Loan Modification ( only eligible ) - XX/XX/2021 : Stand-Alone Partial Claim ( only eligible ) - XX/XX/2021 : Loan Modification ( only eligible ) - XX/XX/2021 : I sent the signed agreement to the Stand Alone Partial Claim via email ( also attached ) - XX/XX/2021 : Letter stating I submitted everything required that was within my control and that Freedom Mortgage was waiting on Title Policy for the subject of property and that I would then be notified of my Loss Mitigation options. 
- XX/XX/2021 : Loan Modification ( only eligible ) - XX/XX/2021 : Stand-Alone Partial Claim ( only eligible ) - XX/XX/2021 : Loan Modification ( only eligible ) - XX/XX/2021 : Received via XXXX a package for me to sign and complete for a Combination Loan Modification and Partial Claim. 

With that said, I am demanding that this situation be resolved sooner than later, given the severe emotional distress this is causing me.
Product: Credit card

Bonus miles not applied to my account. The bonus miles are claimed to be available only if you use the card for a minimum amount of purchases in a three month period after account opening. While this is clear on the airline 's website, the terms and conditions as advertised, are not clear on the bank 's site. Using the internet archive, the website, as I saw it at the time of account opening is not available.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX, the owner of Cash App, regarding unauthorized XXXX  transactions on my account. While reviewing my back taxes, I discovered multiple years of buying, selling, and trading activity conducted through the app. The amounts involved were not significant enough for me to notice at the time, and I can confirm that I did not engage in any of these transactions. I also came across news reports indicating that this has been an ongoing issue, which prompted me to report the misuse of my account. I request that my account be thoroughly investigated, as I have received 1099 forms for transactions I did not authorize or make.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including f
iling fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits
communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.
Product: Money transfer, virtual currency, or money service

I'm 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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there 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 seek appropriate redress for these violations.
Product: Checking or savings account

I've had a Marcus Internet Bank account for many years and have been depositing and periodically withdrawing monies without problems. Last deposit for {$20000.00} in XXXX XXXX had no problem. In XXXX I bought ETFs via my XXXX account and tried to transfer {$100000.00} from XXXX which initially went thru on XX/XX/XXXX, letting me make the trades. Unfortunately on XX/XX/XXXX, XXXX reversed the transfer to XXXX. XXXX notified me of that while XXXX never contacted me. When I called XXXX and gave them all the identification security info, ( last XXXX digits of S.S #, secret password, date of birth, cell phone #... ), that they have asked same for years, they now claimed my account is suspended and they need to reverify if I am the same person! They claim they can not use my drivers license because NY State does not allow it. I supposedly will get a phone call ( on same number which they have certified me before vis SMS txt ) in XXXX business days to figure out how to confirm my identity. On XXXX search there are hundreds of the same exact tactics Marcus is using to keep peoples monies or prolong possible withdrawals. Its an outrageous ploy.
Product: Consumer Loan

I purchased a XXXX Ford Mustang GT from XXXX and XXXX Ford. In the closing stages of financing, the loan officer offered me a package that included gap insurance and an extended warranty for {$1300.00}. I accepted but after financing was done and I reviewed my paperwork it showed that I was charged {$1300.00} for an extended warranty and another {$700.00} for gap insurance. I told the finance manager what happened and he offered me a warranty program for oil changes for 3 years or XXXX miles which ever came first. He drew up the paperwork and we both signed and I still have my copy. The company that handles warranties for Ford does not have this agreement on file. I 've spoken to the finance manager twice and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I submitted the following letter along with statement attachments to XXXX XXXX : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to XXXX XXXX. This is a structural attempt to discredit me and my credit history by XXXX XXXX and XXXX XXXX. XXXX XXXX submitted XXXX credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX