23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have purchased a XXXX tour for me and my spouse at XXXX XXXX. The tour didn't include 8 nights and airfare that is complaint with the 1990 Americans with disability act thus I attempted to dispute the purchase at {$590.00} reflecting the value of the package that was paid for but not received. 
I have called the Capital One to dispute the purchase from overseas location at the very high call rate as their toll free XXXX phone number is not operational from the call origin and the company refused to transfer me to their dispute dept citing instead the response by one rep and the supervisor XXXX that they are " unable to reach the dispute dept representatives. '' It is my impression that the Capital One is deliberately not willing to dispute the purchase contrary to the T & Cs. 
One question I posed to the CSR at the Capital One that I didn't receive the answer for : what is the appropriate amount of time that the customer calling from overseas is required to wait at $ XXXX/min? 
Please respond in writing to that question.
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 ( CFPA ). Specifically, cash app failed to take the 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 resolutions requirements under the electronic fund transfer act ( ETFA ) and regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my purse was stolen from me in 2015, I called all three credit bureau to report my purse was stolen and that i need to add fraud alert on my social security. All three said they will added and if someone tries to run your credit you will be notify by phone. Which Transunion fail to put my phone number on file for the creditor can reach out to me. I have about three creditor that ran my social security 7 times in one months. And transunion refuse to removed them off my credit reports i have been dealing with this for about two weeks and no help. 
from transunion but the other two credit bureau removed them.
Product: Credit card

Bank of America reported my credit card over 30 days late to the credit bureaus. I submitted a dispute with them, as I had never received a statement ( via email or in the mail ), and there were no notifications that the credit card was late or that a payment was due. The payment was 34 days late according to their system and my credit history has been otherwise perfect. 

They initially did request to the credit bureaus that the late payment be removed and my credit card XXXX  scores went back up. But later, they re-reported the late payment which caused an immediate drop in my scores. 

They have made it very difficult to obtain information on the request, why they reversed themselves, why I didn't receive billing notification or statements, etc. They have sent letters to call them- with no specificity on who to contact. In general they have made this a difficult and painful experience. 

Representatives I have spoken to are frequently confused, have partial information or can not reference back to my original request.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial protection act ( CFOA ). 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 E. Theses actions caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Debt collection

Select Portfolio Servicing is a debt collection company who has been harassing me daily. I sent them a debt validation letter and they never respond with the proper paperwork. In the mean time they continue to call my phone, left notes at my door. They are trying to foreclosure on me and I do n't know who this company. According to the FDCPA they are using deceptive practices to steal my home and also I did n't give them consent to contact me nor did they have express permission from a judge or court order saying that they can contact me. 
I know my rights are being violated. I am tired of living in fair and this is affecting my entire family. 
I am currently overwhelm by this company actions, I am suffering from XXXX, XXXX, XXXX and many more issues. 
See attached some correspondences from the company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX  Inquired on XX/XX/XXXX LEASE END Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I opened secured credit card in Capital Ona bank. I put {$200.00} security deposit as a transfer from my XXXX XXXX deposit account. It was accepted by Capital One. On XX/XX/XXXX, I received credit card. I followed instructions to activate it online, but activation failed. I called customer service and they told me they need to verify my ID. I have SSN, valid US EAD and valid XXXX passport but none of these documents were recognized by Capital One. They said they need driver license or state ID. I do not have these types of ID and asked to close my account and return {$200.00} security deposit back. They said it will be returned in a term of 2 billing cycles. My money were never returned to me. No update was provide ether. 
Today, XX/XX/XXXX, I called Capital One and they said they can not return my money because my account is locked and they need to verify my ID. I provided photos of front and back of my valid EAD but they refused to recognize it again. They refused to return my money back. I tried to escalate but was a dead end. They said they use barcode reader and it doesnt read EAD barcodes .... This doesnt sound like valid legal argument. Basically they refuse to recognize government issued ID. Please help me to get my money back. 

My customer number : XXXX XXXX XXXX Capital One case number : XXXX XXXX Employee ID I spoken to : 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 proce was unfair and deceptive, as they did not comply with error resolution rquirements 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: Money transfer, virtual currency, or money service

Contacted what I thought was XXXX XXXX. borrowed XXXX dollars Money was transferred to my checking account at citi bank account. did not sign for money and I am not sure how money was put in to my account.. It was for a medical bill. that was XX/XX/year> on XX/XX/year> I took out XXXX dollars. gave {$1000.00} to my sister and kept {$500.00}.. that day at work got a call detailed in police report # XXXX and a IC3 report to the FBI I was frauded out of {$2700.00} dollars and the loan was also fraud. the bank wants the money and does not seem to recognize fraud on myself.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and there was erroneous and fraudulent accounts and addresses on my credit report. The XXXX  of XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX. I filed a police report and a report with identitytheft.gov
Product: Credit card

XXXX Discover credit cards XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I'm a person with a XXXX ( I have WA XXXX XXXX ID ) and can not climb more than a small flight of stairs ' I booked a hotel in XXXX XXXX for XXXX for {$460.00} was charged to my Discover credit card for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX their XXXX it showed only XXXX fight of stairs when I arrived the XXXX hotel had XXXX XXXX of stairs up to the hotel rooms ( video included here ). I disputed though Discover and hotel claimed they showed pictures of stairs in ad ( but they only showed XXXX flight ) and they would not refund. My adult son walked up/down the stairs speaking to hotel staff but they refused to refund and offered a lesser basement room which still had multiple stairs. I immediately got on phone with Discover to no avail. I submitted to Discover and they claimed to try and dispute but gave me little info and the Discover website would not let me attach videos after multiple attempts to attach and numerous phone calls to Discover. i'm asking to be reimbursed the XXXX and neither hotel, or Discover will do the right thing and reimburse me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I see some inquiries that I do not recognize. Please remove from these inquiries off of my credit report. XXXX, XXXX, AND EXPERIAN PLEASE REMOVE THE FOLLOWING : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX OF XXXX
Product: Mortgage

I have two separate mortgages with Shellpoiint Mortgage, sold to shell point mortgage by XXXX XXXX. One loan is a VA loan, the other is a conventional loan. 

1. XXXX XXXXXXXX XXXX  provided a letter on XXXX that the loan was being sold to NewRez/Shellpoint Mortgage XXXX The account number provided in the ACM letter was wrong. 

2. The original address provided to make payments was wrong. 

3. Shellpoint Mortgage has improperly applied loan payments from one account to the other, even though the loan numbers are different, and the payments are from separate accounts, separate financial institutions and separate people ( one is paid from my wifes account, and the other is paid from my account ). Some iteration of this has happened every month. 

4. Funds that were improperly applied to one account, were unapplied, but funds were not applied to the other loan, or redeposited into the financial institution account from which payment was made, so Shellpoint says the XXXX VA loan payment has not been made ( or the loan is one month in arrears ) even though every payment for each loan was made on or ahead of time. 

I have had one to two calls per month for every payment since Shellpoint took over the loans, to no avail, they continue to make mistakes applying the loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccurate accounts with XXXX  for the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX XXXX account 6 months now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance.This XXXX XXXX account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity TransUnion Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, and XXXX  XX/XX/XXXX XXXX XXXX XXXX has re- aged this account and reports an inaccurate Open account status by Transunion. This account is still inaccurate and Re-Aged which leaves Transunion, in violation thereof ... .. 
Transunion records both XXXX XXXX accounts inaccurate, I've been disputing these XXXX XXXX accounts for 6 months now with Transunion, these accounts Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance. Both XXXX XXXX accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have reported to Experian and Equifax that the information they have listed on my credit report is false and not my informations they keep responding back that the information they have is accurate
Product: Mortgage

I was checking my online mortgage dashboard at Well Fargo while trying to figure out how to pay it off sooner. I clicked on a button that said " View Sales of Your Home '' and was informed that my home had been sold in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180000.00} I have not sold my home to anyone and Wells Fargo assures me that my home has not been sold. 

that being said the website still says that I did. I have tried to resolve this with Wells Fargo and they act like I am crazy and there is no such web page .... or that they can't find it which is just ridiculous. It's their job to know how their websites or contracted websites work.
Product: Credit card

I recently provided Navy Federal with two promissory notes/ securities which gave Navy Federal value. According to Note 4 : Loan Sales and Continuing Involvement in Assets Transferred of Navy Federal annual report it states : " The XXXX  and XXXX generally securitize loans into mortgage-backed securities that are sold to third-party investors in the secondary market or retained by Navy Federal for investment purpose . Seeing that the promissory note/securities for a Navy Federal Flagships Reward Credit Card & {$50000.00} personal loan gave Navy Federal value to exchange on the secondary market. In good faith I hereby demand Navy Federal Credit Unions Lending Team ( Fiduciary ) to approve both applications. If my applications can not be approved, Then I kindly instruct Navy Federal Credit Union to rescind my applications.
Product: Mortgage

My loan just got transferred from XXXX to Loancare. My previous mortgage payment was {$1200.00} with {$22000.00} remaining on the balance and maturation date around XX/XX/XXXX. I just saw on the new Loancare statement that the maturation date is now XX/XX/XXXX with a monthly mortgage of {$1100.00}. Loancare never sent me a document for a new loan and secretly slapped 15 years of loan without notifying me or my agreement. There is a BIG discrepancy of the statement and the actual amortization schedule to XX/XX/XXXX. The statement said the new monthly payment of {$1100.00} due in XX/XX/XXXX includes principal payment of {$870.00} and interest of {$100.00} but the amortization schedule says for maturation date of XX/XX/XXXX, the payment for XX/XX/XXXX includes interest of {$100.00} but principle payment of only {$74.00}. Where does the rest of {$790.00} go if not to my principle??? The new loan I would not want to extend my loan whatsoever, especially with such a shady company like Loancare. If using the new loan amount and the new maturation date, the total amount Loancare wants me to pay is 10 times of the remaining balance!! I am totally disgusted by Loancare!!
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : 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 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

My loan was sold to Central Mortgage in XXXX of 2014. At that time I requested a due date after the XXXX because the majority of my income comes from XXXX and I have a better sense of what I 'll have in income during the last XXXX weeks of the month. Do I have accrued monthly late charges and unrelenting phone calls outside of normal business hours. The fact that they are aware of the entire situation leaves me perplexed. Please have them stop the harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on and I noticed unauthorized credit inquiries had been made. 

I contacted every source of the unauthorized inquiries, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile and they told me I need the credit bureau to remove because they can not find any information on these. 

I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report. The unauthorized inquiries is as follows : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020,  XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX  XX/XX/2020 If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Debt collection

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to IC Systems Inc. on XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. IC System Inc. claims I owe a debt from a XXXX XXXX Bill that I actually left in my given time. I had my Personal FinanciaXXXX Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by IC System Inc. Therefore, by the FDCPA IC System Inc. fail to prove that I had a bill from XXXX XXXX. So, IC System Inc. was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and IC System Inc. agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, IC System Inc. is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of IC System Inc. from my credit report. I am going to provide all my evidence to my case.