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

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. COLLECTION CONSULTANTS, Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my school loans were paid and closed in XX/XX/XXXX/XX/XX/XXXX because of my XXXX. The loans from XXXX XXXX XXXX, Navient and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Product: Credit card or prepaid card

Applied for  XXXX  credit cards in  XXXX  of  2016 a t the same time.  The Sapphire and the Freedom . The application process and disclosures on t he Sapphire led me t o believe th at the Sapphire had  an 0 % introductory rate. The most noticeable difference between the  XXXX  cards was  XXXX  was used for travel and had a hefty annual fee and the freedom did not. By comparison th e Sapphire was the better card ( especially when I believed the intro rate was also on the sapphire ) so this was the card I  chose to be my everyday card. The plan was to use the card and made multiple payments per month to keep the balance down and especially since there 's an introductory rate. I unfortunately only found out recently, after noticing all the payments ive been making is not catching up to the balance. This led me to take a closer look at my statement and in shock, discovered I 'd been charged interest every month since  XXXX     2016. W hen I called  Chase, they explained the Sapphire has never had an intro rate promotion ( despite offering the card closely with other Chase credit card products with introductory rates ). When I asked if they could help with the interest I 've been charged, they simply reiterated that the Sapphire card has never had a promotional rate and there 's nothing they could do.   I feel so violated and misled thinking I 'm using my credit card well and now I have this mounting interest charge I was never clear about from the first place.
Product: Mortgage

I purchased a home with Wells Fargo around XXXX and in XXXX I asked for a loan modification due to the increase in payment and was never contacted back and denied so I had to get out of my home. Prior to this I had never missed a payment or anything.
Product: Credit reporting or other personal consumer reports

I kindly requested that the companys verify the provided information Ive provided them and update my personal information records accordingly. Additionally, I requested them to uplift and remove any block for promotional purposes and the legislative security freeze on my credit report..And companys did nothing that was asked of them
Product: Credit reporting, credit repair services, 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 https : //www.ftc.gov 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 i tems which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX  XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX 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 4 business days after the date of receipt.
Product: Checking or savings account

On Friday XX/XX/XXXX I went to the Suntrust XXXX XXXX Branch ATM on XXXX XXXX XXXX, XXXX XXXX Florida to make a withdrawal of $ XXXX from my XXXX XXXX XXXX XXXX. The time was XXXX. There was no sign or any message that the machine was out of service. 
The machine took all my info including a {$3.00} fee and then informed me that it was " unable to process '' my request. I went into the branch and was informed they were aware the machine was OOS and were awaiting a technician to make repairs. I requested a sign be posted but was told the technician was on the way. An hour later on my 4th trip to Suntrust there was still no info to let the customer know the machine was out of service. Had there been a notice none of this would have happened. 
I then went to another branch and the ATM there informed me I had 'insufficient ' funds to complete the transaction. I then returned home and checked on line my XXXX   account and was surprised that, with the conversion, XXXX  had debited C {$960.00} from my account. I then returned to the XXXX XXXX branch and talked to the assistant mgr who informed me the problem was with my XXXX XXXX  and not the fault of Suntrust, and that I should contact my XXXX XXXX  and lodge a complaint. 
I didn't believe her, and returned home, called the XXXX XXXX in XXXX, and even though they or myself didn't believe that XXXX was responsible, set up a fraud complaint file and advised me to return to Suntrust and re talk with them. On my fourth trip to Suntrust the asst. mgr still insisted the problem was with my XXXX XXXX and not Suntrust. I explained that Suntrust ATM didn't dispense my {$700.00} because it was 'unable to process ' but electronically informed XXXX that it did and XXXX   sent Suntrust {$700.00} from my XXXX checking account. This totals $ XXXX that Suntrust now had. This has caused me to miss my first mortgage payment in eight years. 
I talked to Mgr XXXX four times, but was told today Suntrust is set up for the defrauded customer to have to do the fighting with the bank from where the funds were taken from ; NOT Suntrust ATM that failed to dispense the funds as Suntrust does not service their machines. 
That means Suntrust takes no responsibility for their errors and places the onus on the consumer/customer to suffer. 
With four employees inside who knew the ATM was OOS, why did not one of them  place a sign on the ATM? Would it have been too much of an effort to do so? 
I can only guess it would have been even though I requested a notice be placed on the machine. Over an hour later there was still no notice on the ATM. With the popularity of that branch, I can only imagine how many customers have been inconvenienced and have lost money by the lack of management responsibility and Suntrust policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, death threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXXXXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXXXXXX XXXX credit card accounts. XXXX XXXXXXXX XXXX  is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXXXXXX XXXXk credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Product: Mortgage

My house is scheduled to be auctioned off on XX/XX/XXXX. I tried my best to get a Loan Modification for over 7 Years. It was a marathon effort starting way back in XX/XX/XXXX, with the servicer - XXXX. I submitted tons of documents and XXXX kept on rejecting the Modification for one frivolous reason or the other. I was in fact asked to take the other Loss Mitigation option - Short Sale Now the new Servicer is " Specialized Loan Servicing '' ( SPS ). I have submitted a complete Short Sale Package and requested SLS to postpone the auction and allow time for the Short Sale to be processed. However they are not willing to do that. Hence this request through your good selves, so that I can avoid the Foreclosure stigma in my life and my credit report.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX Installment Sales Contract was executed form American Credit Acceptance LLC for XXXX i have made XXXX payments of XXXX totaling to XXXX and a down payment of XXXX I looking over my contract I realized the contract was fraud and i am over paying on a used truck and they were in violation of 15 USC 1601 truth and lending incorrect disclosures 15 USC 1605 Determination of finance charge I was not required to put down a deposit which I did XXXX as 15 USC 1635 I was never informed my right to Rescission and that's just some of the violation I have sent certified letters to American credit Acceptance CEO and AlsXXXX XXXX XXXX XXXX informing them of these violations and laws that they have broken and I have not gotten a responds.
Product: Credit reporting or other personal consumer reports

I have received the disclosure that was mailed to me on XX/XX/year>, yet it still does not contain my SageStream consumer report.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and have identified the following item ( s ) that contain inaccurate information : The following personal information is incorrect Employers : XXXX XXXX The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX 8. Identity Theft XXXX  Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX 11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the Capital One account ending in XXXX has violated multiple of my federally protected consumer rights. I am requesting that the creditor CAPITAL ONE update my consumer report at once. Capital One has reported XXXX late payments to my consumer profile unlawfully. Below are the following errors being reported by capital one. 

XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) All these late payments must be updated or removed at once, there is no excuse these items might be accurate but they shouldnt be reporting to none of my consumer reports.This practice is UNLAWFUL and against my consumer rights. 
Capital one has violated the consumer law 15 U.S. CODE 1666b ( a ) This law states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ), of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Meaning that capital one would have to have sent me a periodic statement with information on late payment 21 days prior to my statement being due. Capital one has failed to do this since I have been a member ( XXXX ). If capital one claims to have sent me this information each more 21 days before my due date, I am requesting all documents of this sent via mail within the next 30 DAYS supporting the Fair Debt Collection Act ( FDCPA ). 

OTHER CONSUMER LAWS CAPITAL ONE HAS BROKE SUPPORTING MY REASONING FOR DELETION! 

15 U.S.C 1605 ( A ) - This law states The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended. Meaning a finance transaction is already paid in full when the item or credit is financed, creditors can not report late payment to a consumer bureau. The payment was made in full the moment the finance charge took place to receive the item or funds financed. I AM REQUESTING THESE LATE PAYMENTS BE UPDATED AT ONCE.

15 U.S.C 1681 section 602 A. States I have the right to privacy when it comes to what is being reported to my consumer report. I AM REQUESTING THAT LATE PAYMENT NOT TO BE REPORTED ON MY CONSUMER REPORT.

THIS IS MY SECOND ATTEMPT TO RESOLVE THIS MATTER PLEASE UPDATE OR REMOVE THESE ACCOUNTS AT ONCE, THERE IS NO EXCUSE!
Product: Checking or savings account

Multiple attempts, both on the phone, website, and through email to move a balance to my current XXXX. 

They won't give it with funds invested, but if I move the funds to my account, they charge me {$2.00}, and immediately move it back. 

I keep incurring their fees to try and get my money back only to have them put it back into a place I have to incur a fee.
Product: Credit card or prepaid card

I had a fraud case with a company called XXXX an e-commerce platform after I asked discover to block all transactions ( about a year ago ) Then i suddenly get a charge of $ XXXX {$5000.00} more than my credit limit. 

I reached out and they gave me a temporary credit and even issues a partial refund in the amount of XXXX, but then they came back and said it wasnt fraud ( even though I had no access to that website )
Product: Debt collection

I had man knocked on my door. My husband answers the door. He asked if I was home XXXX XXXX. Then he tried to serve me with some paper 's. I told him to leave are property. He then left got in to his truck. We later notice he left papers on are porch. We looked at them. It was a summons that XXXX was being sued for debt .by a dept collected. The debt collector bought it from fingerhut. We told the judge did not owe the amount. So the judge set another court date. We did not get any notification when the next court date was. So the collection agency got the judgement. I made arrangements make payments even this I did n't owe the amount. To pay a amount agreed upon. Midland funding llc would not except any payment but a higher amount. Which Midland finding was setting me up. Latter they got a garnish order and tried to garnish my husband social security. Which is against the law.
Product: Mortgage

See the attached " pdf '' files. Essentially Nationstar is either intentionally, or through sheer incompetence, preventing us from using their online services. My wife and I are both over XXXX years of age. Nationstar 's discriminatory behavior is prohibited by federal and state statutes.
Nationstar must correct their Information Technology Systems to allow us to use their web-based tools to manage our loan just like all their other mortgage loan customers. My letters and phone calls have gotten no results although Nationstar 's employees have repeatedly told me they would fix the problem. Our loan was transferred to Nationstar effective XXXX-XXXX-17 and at this date, we have been unable to access our loan file using the Internet.
Product: Prepaid card

On XX/XX/2023 I was robbed at gun point by two unknown men and they took my wallet with my personal information in it and my cellphone and made transactions that were unauthorized and transfers on XX/XX/XXXX they made a transfer for XXXX dollars and on the same date I was robbed made a transaction for XXXX dollars from XX/XX/2023 all the way to XX/XX/2023 they made transactions on my account that I did not make I also filed a police report and gave Bank of America the report number they have denied me twice so now I am writing this report because I was referred by a former customer in this situation with bank of America
Product: Vehicle loan or lease

With my loan it says credit but I was told I had to put cash down. And on most of my answers they put N/A. Its fraudulent if you say credit & & I paid cash
Product: Debt collection

Company is stating I owe a debt for an address Ive never lived at.
Product: Debt collection

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX filed a civil complaint in a county i do not reside in on behalf of plaintiff Midland Credit management , Inc for an alleged credit account of XXXX XXXX  in the amount of {$8900.00} without any prior notification to dispute the debt. This debt is unknown to me. The hearing date is scheduled for XX/XX/2020 and I just received notice on XX/XX/2020 from district XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX PA, XXXX, phone XXXX docket number XXXX. 
Midland Credit Management , XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. 
It has also been brought to my attention that Midland Credit Management is under Federal district court stipulated finial judgement and order case number XXXX on Behalf of the Bureau of Consumer protection civil action XX/XX/2020 for Midland Credit Management Inc for such violations as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX -XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first CFPB complaint today, and I am not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. These are the following items that are needs to be deleted : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Hello, I received a letter from Covergent in XX/XX/2020 stating that I owe a debt to XXXX XXXX XXXX , XXXX in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. 

Please report Convergent, XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX.
Product: Mortgage

I have a mortgage with NationStar Mortgage. I try to pay my mortgage in aaaa advance by 1-4 months. I also pay extra principle with most all of these payments. I submit via mortgage coupon or wire transaction notes my instructions on which month to credit the payment towards and the balance towards extra principle payments. The company will not abide by these instructions and choose their own way to post the payments. 
Sometimes it is all to principle, other times not. I have to call in or email in my complaint and THEN and ONLY THEN will they post it correctly. 
They insist I sign up for XXXX of XXXX plans to have my payments directed. I Have chosen none of these as I want to direct my payments as my funds allow well in advance if I can. They REFUSE to post as I ask them to with each payment. Is n't this illegal? Why have transactions notes or Mortgage coupon notes if you wo n't read them? I have never, ever had such a problem in 30 years. Can I demand they read this or demand transfer my mortgage to a company more traditional? Thanks, XXXX XXXX XXXX XXXX
Product: Debt collection

Frequent calls # 16 received from XXXX, almost 3 times a week. I have texted back " STOP '', and " Stop calling me '', but the calls keep coming.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App block , inc due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.