23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE THE HACKING OF XXXX XXXX 2017. 

MY COMPUTERS WERE HACKED, ENORMOUS PHONE CALLS, PEOPLE THREATENING ME, MY ACCOUNTS THAT WERE IN GOOD STANDING FAILED AND REPORTED NEGATIVELY AND JEOPARDIZED NEGATIVELY WITH REGARD TO MY STUDENT LOANS. IT IMPEDED THE CLEARANCE OF PAID STUDENT LOANS BY XXXX XXXX US DEPT OF EDUCATION. 
AS A RESULT I 'VE HAD TO PAY {$2400.00} OUT OF POCKET EXPENSE. 
IVE REPORTED THESE INCIDENTS TO THE DO NOT CALL REGISTRY THAT I WAS GETTING HIT WITH UP TO 10-20 ROBO CALLS PER DAY SINCE XXXX 2017! SCAMMERS USING FAKE PHONE NUMBERS!!! AT XXXX XXXX UP TILL XXXX!!! 
1 woman with an XXXX accent called me stating they were outside my house waiting for me! Ive had people to follow me from the Bank to the social security office!!! 
This is a dangerous situation that both Equifax and the new president has subjected the American to. 
The government, President Trump violated our Privacy Act by repealing the Right to Privacy. They stole our records and sold our information. By doing that it opened the back door for criminals, scammers and hackers to intrude and invade our right to privacy and therefore, it gave them a platform to further victimize us. 
Im a survivor of XXXX XXXX and Im legally XXXX. I didnt deserve to have my personal information released to the open public nor did I consent to it in anyway! 
Im strongly in favor for A CLASS ACTION SUIT! 
I NEED TO BE MADE WHOLE AND COMPENSATED FOR WHAT IVE HAD TO ENDURE AT THIS POINT!
Product: Money transfer, virtual currency, or money service

Hi I just want to file a complaint on XXXX XXXX that works for 53rd bank the problem was he calls me after speaking with my godmother about account transfer she was trying to transfer money from one account to the other because she was cosigning for house with me so he calls me and just rant he curses at me say all kinds of things saying I was a fraud Im scamming her this is my godmother Im talking about some I take care of that was moving in the house with me so he went on an asking me my job information and the phone number and I gave it to him because I had nothing to hide and I just dont appreciate Someone calling me and cursing at me that is not professional like I said his name is XXXX XXXX he works with 53rd bank I think its XXXX XXXX Illinois off of XXXX XXXX
Product: Credit reporting

I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am a nurse and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. One item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.
Product: Debt collection

Dynamic Recovery Solutions LLC. used an automated dialer to call me on my cell phone several times without my express consent, in an attempt to collect a debt from a XXXX XXXX, violating the TCPA. On XX/XX/2015 I called Dynamic and asked to speak with their compliance department but the representatives kept asking me if I knew or if I could get a message to XXXX XXXX, repeatedly, over and over again, vilolating FDCPA 1692b ( 3 ). One representative passed me on to another representative who attempted to acquisit ( acquisition ) location information from me, more than once. 
On XX/XX/2015 I called Dynamic and the same thing happened all over again, violating 1692b ( 3 ). I finally talked with representative XXXX XXXX who said he would send my information over to their compliance department. 
Since my first call to them I told them I am XXXX and not XXXX XXXX. It has been impossible to speak to someone in the compliance department, when all I get are other debt collector representatives who continue to violate the FDCPA. Common sense, if my area code is not in the same area code, or State for that matter, the third-party debt collector should investigate a little better before attempting to collect from the consumer. See the XXXX v. Enhanced Recovery order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a company that lies, cheat & Violates peoples right. They are reporting a hospital bill on my credit report that is paid in full by my insurance company. The Collection agency that is reporting this debt has been send proof already by my insurance company. ( This is a old debt that they change the date on.They sold the debt to another company that got the proof as well & wrote saying they are sorry but its wont be reported because the proof is very much except. Another company contact me again XXXX weeks later then XXXX solutions another week after.So XXXX different companies plus XXXX all collecting on the same debt at the same time. ( Fraudulent ) XXXX & XXXX has removed with the proof by certified letter the same certified letter that was sent to Equifax. Equifax needs to be seriously investigated because they are Crooks. I dont know if there workers can not read or understand English but they are by far the worst reporting agency out of the XXXX credit bureaus. If you ask them for proof on how the item was verified they will never ever send you the proof. They should have requested for XXXX solution proof that I still owe the bill because the hospital already told me I owe nothing. They also said its not reporting on my credit report. Then after that letter said that the item was verified as belonging to me. Even when they said it was not reporting on my credit report it was. When a company tell lies 24-7 they get tangled in a web of lies. I uploaded all the letters from Equifax. Also the date the {$99.00} bill started reporting. Under the new law for medical bills they should not even be fighting me on this but Equifax is looking for a big fat lawsuit for violating my right.
Product: Checking or savings account

ON XX/XX/2021 I GOT E-MAIL STATING WE HAVE CLOSED YOUR SAVING ACCOUNT ENDING XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX ; Thom whom it may concern, Last month in XXXX of 2024 it came to my attention that my identity had been stolen and utilized by my neighbor to open up XXXX Fraudulent credit card accounts amid several Hard Inquiries. ( See attached Report ). Those Accounts are as follows : XXXX ) XXXX Acct. No. XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$500.00} Note : Please Delete these Frivolous accounts that are keeping me from purchasing a home!
Product: Debt collection

I submitted a dispute and letter requesting to validate this debt to CACI on XX/XX/23 and have not received the requested response to my dispute. I filed a complaint to CFPB also on XX/XX/23 against CACI, and in their response the company stated I had an open dispute with them. It is over 30 days and I am requesting that they delete this collection account from all 3 credit bureaus as they have not provided validation.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} 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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : 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  Equifax XXXX XXXX Equifax
Product: Debt collection

Back in 2015, I rented a house and the house had some major issues wrong with it. I went to court and the judge signed a judgement for {$1700.00} in favor of the landlord, the landlord already had a security deposit of {$1200.00}, which left a balance of {$400.00}. The landlord is reporting that I owe {$2800.00} and hired the collection agency Hunter Wardfield to collect. I have reached out multiple times to the agency and I have disputed at 3 times the credit bureaus, I getting back that this is a valid debt. So I have been advised to file a complaint with CFPB. In the judgment, it does include 3 % interest, but I have been trying to get this problem corrected since 2015 and I dont think I should pay, something that was awarded to them. I received a itemized breakdown of the {$2800.00} and all items were included in the judgment of {$1700.00} .... I have included all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.
Product: Checking or savings account

This is a general complaint about a new shady practice, not illegal, I have noticed first with CIT Bank and now XXXX XXXX XXXX. With interest rates rising, they don't raise rates on your existing account automatically. They create new savings accounts with a new name that pay high interest with names like " Savings Builder '', " Savings Connect '', and now XXXX XXXX has XXXX XXXX XXXX XXXX XXXX  I have had to open 2 new accounts with CIT Bank to get higher rates, and just now with XXXX XXXX. You do not see that option if you are logged into your banking account, you have to go pretend to be a new customer and go check their rates first. To be fair, they do make it easy enough to open another account, but there is no purpose that I can tell other than to pay a different rate. Its just a shady practice bilking the customers probably out of XXXX  if they do not remain vigilant! I am hoping more will complain so the practice will change. Thanks for your time.
Product: Debt collection

I was went to the ER and did not have insurance and was unemployed and was placed on an indigent program where I would not have to pay. I was surprised to find out that I allegedly owe this debt.
Product: Checking or savings account

A fraudulent charge was placed on my account for {$1200.00} on XXXX and I issued a compliant and my bank refuses to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed on the XXXX XXXX XXXX Due to recent account activity, XXXX XXXX XXXX has made the decision to close my account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my truck loan with XXXX XXXX ( XXXX ) at the time in the amount of {$17000.00} based on a payoff quote issued by them. 

I received my paid in full letter along with the title for my vehicle after doing this as I should. 

The loan company issued a refund check on XX/XX/XXXX in the amount of {$570.00} after the account was settled in full. XXXX then closed my account but reopened it later this year in XXXX of XXXX and reported a delinquent amount in XX/XX/XXXX in the amount of {$600.00} due to a processing error their accounting dept. made and supposedly sent the refund check out in error way back in XXXX. 

The company has now reported this balance to collections and is harming my credit score as a result. I have tried to work with the company directly to clear the balance owed since this was an error on their end and they cant provide a good answer as to why the error was made.
Product: Payday loan, title loan, personal loan, or advance loan

Signed up for a loan online and was approved ( {$14000.00} ). ( XX/XX/XXXX ) Website ( www.santanderbank.com ) would say my information was incorrect to contact support. After contacting support and figuring out it added my mobile number to my home number and wouldn't allow 2FA due to it that problem was solved. 

After waiting till the end of the week, Friday XX/XX/XXXX, for the loan to be deposited and it not showing up i called again. I was told to wait till Monday XX/XX/XXXX now so i gave it the weekend with no deposit. Monday XX/XX/XXXX i call again and was told their policy was updated but information wasn't updated at the time of my loan application and it could take up to 7 days to call back Thursday XX/XX/XXXX due to the holiday the week before not counting. 

I call back Thursday XX/XX/XXXX and was told that Monday XX/XX/XXXX after i called they discovered an issue that prevented loans over the weekend that i applied from being deposited and that they had pushed them through so i was told to wait and call back the next day, XX/XX/XXXX, because that should only take 5 business days at most. I call back again Friday XX/XX/XXXX to be told even though it was pushed through i was told wrong and it could take the 7 business days. 

Finally we come to today XX/XX/XXXX when i call back yet again, this time well beyond their 7 day time window after they " pushed loans through ''. Today i was told due to the technical issue it could take longer than the normal time period and that i could wait or talk to a supervisor. Naturally i selected to talk to the supervisor since I'm tired of waiting. I'm then told i can't wait on hold and i would have to wait for a call back that it should be soon but could take till tomorrow. 

Here i sit waiting after the call for a supervisor to contact me and I'm not confident it will happen and if it does i expect to be ran around in circles again, already been waiting over an hour. It's been nearly 3 weeks at this point and is causing nothing but trouble yet Santander bank keeps acting like its not a real issue. 

If this isn't solved by the end of the week then Monday XX/XX/XXXX I will be exploring what legal action i can take.Thanks Santander for ruining XXXX.
Product: Mortgage

I AM ATTEMPTING TO OBTAIN MORTGAGE ASSISTANCE AND AVOID A FORECLOSURE SALE. I HAVE SUBMITTED A COMPLETED MORTGAGE ASSISTANCE PACKAGE TO MY SERVICER - WELLS FARGO. WELLS FARGO HAS MY FILE IN REVIEW AND HAS ISSUED NO WRITTEN DECISION. THEY HAVE, HOWEVER, SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2016. NOT ONLY HAS WELLS FARGO NOT ISSUED A WRITTEN DECISION, THEY HAVE NOT PROVIDED ME A 30 DAY RIGHT TO APPEAL IN THE EVENT THE DECISION WAS A DECLINE.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to in

adequate 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 for these violations.
Product: Student loan

I just started working 2 months ago. I consolidated and adjusted to government student loans. But the private student loans wanted money before I even got paid my first check. So I was in the rear from the beginning. They would not let me defer for another month, they will not change the due date or adjust the amount that I am able to pay. Even with a second job on weekends, I do not earn enough to pay the rent and the student loans. 
Are there any laws that they have to make some adjustments?
Product: Checking or savings account

I was one of the authorized user of business checking account of company ( one a XXXX XXXX XXXX ) at NEW YORK COMMUNITY BANK Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number XXXX As Company deposits checks in account one check was not clear from payee for {$4100.00} date XX/XX/2019 My name was put on XXXX  as account abuse I cant open account with my name in any bank For that reason I try calling bank to resolve this issue thy ask me to give bank {$4100.00} the amount bank charge off I try explaining that its business account company is responsible for that I offer bank if thy negotiate that $ amount so I can clear my name, The person I talk to she said ( NO WE CAN NOT TAKE LESS THEN FULL AMOUNT ) Im requesting that this should be remove from XXXX  as its illegal and immoral to penalize for life someone who is authorities user for corporate checking account.
Product: Credit card

On XX/XX/2024, I received a letter from American Express ( ref : XXXX ), asking for a copy of my tax return in connection with an application for credit. 
I contacted them at XXXX, and they were able to decline the credit application on my informing them that the application was not initiated by me, and thus fraudulent. On XX/XX/2024, after placing freezes and fraud alerts with the major credit reporting agencies, I again contacted American Express at XXXX, to request a copy of the application for credit entered in my name, so that I could complete a police report. The online police report ( XXXX, XXXX police department ) requires a dollar amount to be entered, in order to file the police report. 
Their representative stated that American Express ' policy is that they will not release a copy of the credit application without a police report, an affidavit of identity theft, and a copy of my government issued identification. I explained to her that this feels like a violation of my rights. If they accepted a credit application from whom was presumedly me, I should be entitled to a copy of that application for credit without anything beyond what they required to initially accept the credit application. 
When the representative was unwilling to make an exception to the policy I feel is unlawful, I asked to speak with her supervisor and she stated there was not supervisor and they would have a supervisor give me a call back in 24-48 hours. 
In a situation where identity has been compromised, timeliness is imperative to prevent further fraudulent activity and potential losses to all parties. I explained to the representative that this was unacceptable to me to and asked her to confirm if they were working without a supervisor present. She was unwilling to confirm if a supervisor was actually present or not, and simply repeated that a supervisor was unavailable. This felt as if a rogue agent was exercising her will to prevent me from getting the help that I need, as I already explained that the policy American Express holds as a barrier to prevent victims of identity theft from getting the documentation they need feels as violation of my own rights.
Product: Credit reporting or other personal consumer reports

The company, XXXXXXXX XXXX XXXX XXXXXXXX, claims that I and my son are joint account holders on my wife 's credit card account. My wife passed away last year, XX/XX/XXXX, and since then we have obtained a court order of XXXX 's XXXX, signed by a probate court judge, declaring that my late wife 's estate is empty. This order was filed XX/XX/XXXX. XXXXXXXX XXXX  claims that my son and I are joint account holders, which makes us liable for the credit card balance of {$21000.00} as of last XXXX. Neither myself nor my son has ever signed a joint account holder agreement, but it is XXXXXXXX XXXX XXXX  contention that we are signatories on documents they have and they will not share copies of these documents. After several times on the phone with them, I did get one representative to describe the signature purported to belong to my son. What she described has no correlation whatsoever to my son 's handwriting style. It is my opinion that if such a document even exists, it was my late wife who signed both our names to the joint account document without our knowledge. At one point, another representative said he would file a fraud claim on my behalf for signature identity theft. This claim was dated on XX/XX/XXXX and was subsequently denied by XXXXXXXX XXXX XXXX  fraud department. The disputed amount is appearing on both my and my son 's credit report scores, and it is preventing him from getting an apartment due to the bad credit from this unpaid account. We wish only to have this removed from both of our credit reports, as we have never signed such an agreement.