23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Some company called Autovest LLC sent me a letter about a debt I dont owe and hinted that they would take legal action if I didnt pay them. Upon investigating this company, they have a habit of filing XXXX and hundreds of lawsuits in order to obtain default judgments and then garish wages. Im not sure how this practice is legal. I gave back a car years ago and I made a deal with the VP at the finance company to give it back and the debt would be cleared. I havent heard a peep about this car in years and then I get this threatening letter from this unscrupulous company. The letter was dated XXXX. I voluntarily gave back the car in XXXX I believe.
Product: Debt collection

I have no idea what this is about, I do not have an account with this company. I have asked in writing for them to stop contacting me and now they are calling the owner of my company ( my boss ) divulging personal information in attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last name is wrong on my credit report. My name is  XXXX   XXXX , not  XXXX   XXXX . There are phone numbers that do not belong to me on my credit report.     The first dispute was closed. Lets try this again!
Product: Mortgage

Sierra Pacific Mortgage refuses to adjust our loan payment to reflect actual taxes assessed. We have faxed their Escrow Department XXXX now with Tax information and they continue to ignore their mistake. 
They are projecting XXXX tax payments of {$2500.00}. The actual XXXX tax payment is {$1400.00}. 
This over payment is extremely burdensome on my family.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAS TOLD ME THAT THEY WERE GON NA REMOVE THE FRAUD INQUIRES ON MY CREDIT REPORT ABOUT 6 MONTHS THROUGH PREVIOUS COMPLAINTS AND I TOLD THEM I DONT WANT A FRAUD ALERT ON MY FILE DUE TO PROBLEMS IVE HAD IN THE PAST AND I CANT EVEN CONTROL THE LOCK AND ALERT FEATURE MY CREDIT MONITORING HAVE. WHY IS THAT. I HAVE OVER 100 INQUIRES ON MY MY XXXX  CREDIT REPORT DUE TO NOT BEING ABLE TO LOCK MY REPORT ON THE APP. I CAN WITH XXXX  AND EQUIFAX. THAT IS WHY I DONT HAVE MANY INQUIRES WITH THEM BECAUSE OF THAT FEATURE AND I CANT EVEN GET MY ANNUAL FREE XXXX  REPORT FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Social security numbers on my account and on my husband 's account at XXXX, XXXX, and TransUnion have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.
Product: Credit card

AMEX platinum card provides {$200.00} credit for some hotel booking. I made a hotel reservation in XX/XX/year> and received this {$200.00} credit. Later I have a change of plan and canceled my booking. Instead of reverse this {$200.00} credit, AMEX charged {$400.00} instead. I tried contacting, using their live chat online. The representative declared that it was their right to reverse credit from {$0.00} and {$400.00}, specifically " We may reverse their statement credit for the benefit if a Card Member cancels or modifies an eligible hotel booking based on the amount of eligible XXXX and/or XXXX bookings made against the amount of credit provided for current and/or previous years. This is known as their eligible net http : //spending.Credit reversal amounts can vary from {$0.00} to {$400.00}, based on whether it is for the current and/or previous year. " but it was not stated in AMEX 's card agreement. The way how and when AMEX reverses such credits seems to be rather arbitrary and not explained in the agreement or to the customers.
Product: Checking or savings account

Saturday XX/XX/2020 closed my account, and transferred money out of my account at Marcus goldman Sachs. Been on the phone with them everyday, and long hold times, no one there knows why the account won't close or why the money will not transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted from my file right away. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, 1 )  XXXX  XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX  XXXX  ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX  XXXX  XXXX  XXXX ( XX/XX/XXXX ) 10 ) XXXX  XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX  ( XX/XX/XXXX ) 13 ) XXXX  XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

Wells Fargo is refusing to reimburse me for the fraudulent activity on my account in the mount of {$14000.00}. How do you conduct an investigation and never speak to the parties involved? There is documentation on activity on my account on XX/XX/XXXX that i contacted the bank for they cancelled my cards. On XX/XX/XXXX i received to what was said a follow up call to Saturdays unauthorized activity and additional activity. ANd then my money was gone and they are denying responsibility. I can not afford to lose that amount of money. CLearly there is someone within the organization because they had access to my account and never asked for personal or account information. An article has been published after the fact detailing this scam. How am i responsible for the lack of security that Wells Fargo has. 

XXXX XXXX XXXXXXXX
Product: Mortgage

Wells Fargo Mortgage sold my mortgage to XXXX XXXX. At first with the name like that I thought it was a scam. So I went online after that I reached out to the XXXX. I read so many horrifying stories, I read for a long time and only got to XXXX! Things like they dont pay their insurance and taxes, added fees, I could go on and on. I contacted Wells Fargo Mtg. and told them I understand mortgages get sold but Ive never had a bank or mortgage company sell my mortgage to such a low rated company. They told me they would research this and get back to me by XX/XX/XXXX. They never got back to me I have the letter. They basically lied to me. I dont think banks should be allowed to sell their customers mortgages to such horrible companies. I think there should be some responsibility to their customers. I hope and pray that someone at CFPB research this XXXX XXXX and hopefully help us people, I hope I wont be the next victim
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) due to poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was misleading and unfair, as they did not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused significant inconvenience and financial losses, and I am requesting appropriate resolution and redress.
Product: Money transfer, virtual currency, or money service

I was purchasing a phone on XXXX XXXX  for a reasonable price. It was listed under sellers that can ship section on XXXX so I went ahead and contacted the seller. After agreeing to a price and shipping location and method of payment I transferred the money via XXXX  which seemed to be safe since it was backed by my bank and found in my Banks app. After that, the seller said she would ship the item the next day. She never sent me a tracking number, then she stopped answering my messages and now blocked me. Now I am out of my money and have no phone. The transfer via XXXX happened on XX/XX/19 for {$300.00}. The description of the transfer included a Note : XXXX XXXX XXXX XXXX like new. The {$300.00} was for half of the total price of the phone. The other half would be sent once the phone arrived.
Product: Credit reporting or other personal consumer reports

This is a request regarding Title 15 USC 1681i : Request for Description of Procedures used to Determine Accuracy and Completeness of Information verified/updated that I submitted via CFPB # XXXX. I submitted to Consumer Financial Protection Bureau on XX/XX/2023 and received a reply via CFPB XXXX XX/XX/2023 stating the accounts below were verified/ updated : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide evidence of your reasonable procedures that you used to come to such conclusion to verify/ update this information Who did you talk to?

When did you talk to them?

Please give me the names of the individuals you spoke with.

Please provide their addresses and telephone numbers in accord with FCRA Title 15 1681i, Description of Reinvestigation Procedure ( 6 ) ( B ) ( iii ) .I disputed regarding the fact that I did not receive any NOTICE that I have a right to OUT or OPT IN to Credit reporting before any of my NON PUBLIC PERSONAL INFORMATION is reported. In accordance with 15 US Code 6802 The Granm Leach Billey Act states I must receive NOTICE of my right to opt in or opt out of credit reporting and that I must give PERMISSION before my information is disseminated to non affiliated third parties. 
Additionally, just to be clear I received NO NOTICE and gave no one at any time permission to report my NON PUBLIC personal information in accord with LAW. 
Please provide your procedures and the information I have requested under Title 15 USC ( 6 ) ( B ) ( iii ).

These companies are financial institutions under Section 1843 ( k ) of Title 12.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXXXXXX XXXX  to go balance of {$4000.00}. All three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX ) did not remove this debt. XXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. XXXX, Equifax, and XXXX XXXX never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The bank keeps changing my statement balance. It does not reflect in the time it is supposed to, for instance, a transaction posted on my account on the XXXX at XXXX XXXX and they charged me on the XXXX and then again on the XXXX for the same transaction.They then deleted the payment that had posted on the XXXX. My balance is then lowered. They are stealing money from my account. They are charging me twice then deleting the first payment. The balance keeps changing to weird numbers. Also I bought a coat from XXXX, they got their payment on the XXXX and they did not post on citizens until the fourth. They are basically charging me twice for an item then deleting it and pretending like I only made one payment when I made two. They billed me twice for XXXX XXXX and then twice for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Repeated, numerous telephone calls leaving messages that important information may be obtained by calling toll free number. No further info is stated. Sounds like a scam and refuse to return call.
Product: Credit card

Shell Credit Car, Sunoco Credit Card and Meijer Credit Card all issued by Citibank recently increased rate to 34 % +. When trying to reject the change the firm makes it very difficult. Called on one and would not do it unless something was updated on the website. Why not allow rejection via website. 

When asked about the increase I was told it was caused by the increase in costs. While we have all been faced with inflation, at one time 34 % was considered usury,,,,,, I suspect they want to eliminate these products. In some cases these are the first credit cards for people. 

While I traditionally pay off the amount owed every month I need to make sure it is understood those who dont will be significantly impacted. 

THIS NEEDS TO STOP
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or hXX/XX/XXXX : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX : {$1200.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$1000.00} XX/XX/XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XX/XX/XXXXXXXX ( Original Creditor : XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XX/XX/XXXXXXXX Balance : {$3700.00XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$3700.00} XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00}XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XX/XX/XXXXXXXXXX/XX/XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX 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 XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$1100.00}
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed I was not provided any proof or documentation that Experian and XXXX used to verify these debts on my credit report. I have has asked for 3 months. XXXX XXXX, and XXXX of XXXX proof of how they verified these accounts. This violates the fair credit reporting g act 15 USC &. 1681i, which mandates a reasonable explanation into disputes Furthermore XXXX  actions may also contravene the consumer financial Act 12USC. 5536 ( a ) ( 1 ) ( A ) - ( B ). As high listed in the recent CFPB recent administrative proceedings ( file No 2025- CFPB-002 ) taking action against them for similiar practices. I request that CFPB take action to ensure XXXX complies with federal laws and provides consumers with necessary proof. Accounts in question are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems Inc is harassing me to collect a debt that I do not in any way owe. The debt is supposedly from XXXX a power company in XXXX  for a house I did own but for a time when I was not living there. The debt is for {$180.00} from XX/XX/XXXX. The last time I lived at the residence was XX/XX/XXXX.
Product: Credit card or prepaid card

I'm constantly having problems being charge late fees for no simple reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX XXXX
Product: Mortgage

My XXXX  XXXX  shows the judge ruled Im not responsible for the house and XXXX  or carrington Mortage isnt removing the account keeping me from the ability to get a new VA loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, Equifax and XXXX, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX  XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.