23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase on XXXX on XXXX XXXX using my Black Card mastercard for {$2200.00} Items were counterfeit and I filed a dispute on my black card so I wont be responsible to pay the amount on my statement. I sent third-party confirmation that items were fake. Credit card company took months to get back to XXXX and closed the case. They advised to return the product back to the seller and send them a confirmation of the return in XXXX and assured me that the case will be reponed and case will be ruled in my favor since i am following the instructions. The merchandise was shipped back on XX/XX/XXXX to the seller and seller received the merchandise back on XX/XX/XXXX ( international ). I sent all the paperwork to the credit card and keep calling to see if it was received. After numerous follow ups I was assured on XX/XX/24 by XXXX ( the credit card rep ) that the case has been reopened and received my paperwork and case is under review. Please note, that the calls are recorded. I kept requesting the call back from a supervisor 4 times ( which was promised within 24-48 hours ) and only received it on XXXX. The supervisor advised that they nothing can be done at this point and case cant be reopen due to a time frame past and i got misinformed by the credit card representatives.
Product: Mortgage

Im a first time CASH home buyer and I've been trying to purchase a bank owed property from PNC bank for a YEAR now!!! I've been in touch with my realtor, my title agency and PNC bank weekly and yet Im still a sitting duck. 
Last XXXX I was One day to closing on a Doublewide mobile home on land and there was a title issue. The banks attorney did 90 % of the work to clear title. All that needs to be done to clear title is for the paperwork to be submitted to XXXX ( XXXX ) since a mobile home is considered a vehicle. I DON'T understand what the hold up is. Instead of the banks attorney submitting the final paperwork to clear the title and get me to closing he tried to pawn it off onto my title agency. Since the attorney offered such a low amount of money to the title agency to go into an Escrow acct. to finish his job if he " can't " clear title the underwriters turned him down and that leaves me at square one again. 
The banks ' attorney has very poor to no communication & hes NOT doing his job to get resolve this to get me to closing!
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXXXXXX Balance Owed : {$630.00}
Product: Credit card

I transferred a balance to a Capital One credit card as part of a 0 % promotional interest rate. I want to stay on top of the promo offer and pay off the loan/balance before it starts to accrue interest. Unlike other issuers, Capital One does not make it easy to find the end date for the promo offer. It is not located on their monthly statements or anywhere on the online account center. I had to start an online chat with a Capital One representative to find out this information and they were very unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX 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 XXXXXX/XX/XXXX The aforementioned items are unknown to me. you are required to remove/block any items or information not later than 4 business days after. Ive already included this in my previous Complaint # & I am including it again.,
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 violates 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. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and XXXX XXXX These acts has caused significant inconvenience and XX/XX/XXXX and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

As per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

On XX/XX/2022 I applied for XXXX XXXX XXXX XXXX. Everything was going great and the management company information me that {$1200.00} would be due the day I signed my leased. Once lease was signed XXXX asked for any additional XXXX XXXX due to my credit which was not what we had agreed upon due to failing to meet with the original agreement I no longer wanted to move to location. I informed the company I would no longer want to be a tenant! NEVER did I see the apartment nor did I move in. I started receiving messages about a balance due for an injury with a closest I had never moved into.! This collection is now on my credit and I would like to report them for fraud
Product: Checking or savings account

On XX/XX/XXXX a check went through for amt {$91.00} and cleared at that time. Since then I have been charged overdraft fees and other fees in conjunction with this check on the following dates. XX/XX/XXXX {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX $ XXXX {$30.00}, XXXX {$35.00}, XXXX {$70.00} and today XXXX {$30.00}. I spoke to the Branch Manager XXXX  with Bank of the West today and she stated I was charged these fee 's associated with the above check # because the retailer was trying to put through a {$30.00} retry fee ( which I was already charged on XXXX ) and I didn't have enough money in the account? Which is strange since I get direct deposit from Social Security Disability each month on the XXXX. Basically, Bank of the West is making a lot of money off people by continuing to charge accounts over and over again on a item that has already been presented and cleared! When I asked why then am I being charged their overdraft fee of {$35.00} on a check that went through she said because I didn't have money in the account so bank of the west charges {$35.00} a day until money is posted to the account. I wouldn't be overdrawn if they didn't keep charging overdraft fee 's on a check that went through a month ago!!! It will never end and I will never get my account caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I got my loan in person and one of the first things I asked is if I could pay my loan off early and she said yes and when I was signing the paperwork I was asking if I made extra payments if I could pay off the loan sooner to save on the interest and she said yes, that I could even go into the branch to make extra payments and she would apply it directly to my principal balance. I re-read the contract and this rep failed to explain to me the entire truth. No, there would not be a penalty if I paid off my loan early but that I would not save anything in interest if I paid it off early because the finance charge is a set charge and that charge would not be refunded or credited back if paid off early. I think this is incredibly unethical and something should be done about it. This is deceptive practice and I know I am not the only person that this company has fooled when it comes to payment terms.
Product: Credit reporting or other personal consumer reports

Submitted FTC report and supporting documents Experian sent letter that they would delete items closed cfpb complaint. But have not kept up their end. Still reporting incorrect information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 Portfolio Recovery received a request for validation in regards to an erroneous marker on my credit report. After 3o days of not hearing a response, I then sent a non-response letter to Portfolio Recovery which was received by said company on XX/XX/2018. This letter let them know that 1. I sent a Validation request per my right and that they have not responded and 2. Being that they have not provided proper validation they are now in violation of FCPDA and giving them an extra 15 days which of course they didn't comply. 

Please see attached for 1. Validation letter 2. Letter sent after nonresponse of Validation Letter
Product: Credit card

I have promotional ( no interest for 6 months ) balances on a Care Credit card. I have paid extra to be sure that the non-promotional balances ( {$120.00} from XXXX/XXXX/2015 ) was paid in full. However, I have been accruing a 'minimum interest charge ' for the non-promotional balance for the last couple months. I did a chat with a representative from the company who reports they applied my payments as required by law. The law states that the highest interest rate needs to be paid off first - all of my charges are at the same interest rate, only the non-promotional charge is actually accruing interest at this time, so it appears my payments should have been applied there first. The representative with whom I chatted reports that she changed the way previous payment ( s ) were applied, but no charges were reversed. I would like to see the charges reversed, if possible, and for the company to not to this to anyone else.
Product: Debt collection

I have called and emailed them but they have refused to reply. I sent all document requests but they have refused to do anything. This is hurting my credit and all the plans I have. its ruining everything for me. 

This is not the first time the same collection had been placed on my credit. They do it everytime and I keep sending them document. Now theyve done it again. They keep doing it everytime. They sell account to companies, even paid off debt and the collection agency think they are above the law. They take whatever decision they want and ruined peoples lives. They believe the have so much power to place collection as they want and do what they liked I emailed XXXX they have also refused to do anything even the the evidence. 

I wish to file a complaint against XXXX as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has put an address on my credit report that is neither my address or a valid address. I have tried to dispute this address information with Experian but am unable to use the online function and do not receive a response via mail.
Product: Debt collection

XXXX sold the account to Datamax and they report monthly that I have a collection account in my name. They cant verify my social or phone number and yet it shows up on my credit report as a collection. This is almost a six year old account Ive tried repeatedly to resolve. The debt owed hasnt even been proven to be mine but either way I will gladly resolve this matter I just dont know where else to turn.
Product: Credit reporting or other personal consumer reports

METHOD OF VERIFICATION IMMEDIATELY! 
Response to CFPB Complaint:XXXX I Have Attached FTC Identity Theft Report # XXXX I am requesting to know what does Transunion considered to be a reasonable procedure when investigating your disputes?

What steps are taken when a dispute comes through to your company?

Is your team looking for the verification and tangible evidence?

Explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

What certified documents were reviewed to conclude your investigation? 

Provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft?
Product: Checking or savings account

So many times I've tried to access the money that is available in my account it was deposited just over XXXX years ago and the money has sat there and now they can't hold it anymore so they finally released it XX/XX/2022 and I still can't access it every time I go into the bank they told me that I can't have it it's sitting in my account and then I don't understand why I think it's personal judgment on who I am but that should not matter considering it's my account.
Product: Mortgage

I made my mortgage payment for XXXX on XX/XX/XXXX using a cashier check I deposit on XX/XX/XXXX payment is supposed to post on XX/XX/XXXX at midnight payment has not posted yet. I called U.S Bank to notify them over a twenty minute hold time and it is stating that Im missing a payment which is not true when I made my payment using my checking account information using bill pay through U.S Bank App unacceptable. And unable to reach representative over the phone.
Product: Debt collection

I have told this company before that this number is to NOT be called but yet they still insist on calling over debt I supposedly owe. This morning XX/XX/2022 at XXXX XXXX they called. I told the lady that I was on the do not call list and she was confused.
Product: Credit card or prepaid card

I accepted an online promotion from Bank of America Unlimited Business Cash Rewards for a {$300.00} statement credit after expending {$3000.00} in 3 months. After expending the {$3000.00} in less than 3 month, I never received the statement credit, now they said that the promotion was {$500.00} for {$5000.00} expended. I'm sure that I'm on the right because I took notes about it, just to remember by when I'm supposed to expend the {$3000.00}. I don't have any screen shots of the promotion, but there should be a record of the promotions that they are running at a particular time. I filled the online application on XX/XX/, I received the card and activated it on XX/XX/22.
Product: Money transfer, virtual currency, or money service

I am trying to deposit a check from my XXXX XXXX XXXXr, and I am unable to. I am displeased.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
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.

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.

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Product: Mortgage

I signed the papers on XX/XX/XXXXto close on my house with the closing disclosure saying my monthly payments would be {$1000.00} starting XX/XX/XXXX. A few days after closing, my online banking with Wells Fargo had a new account added for my mortgage stating my first payment due XX/XX/XXXX would be {$1300.00} with no explanation. I left 1-2 messages over the next two weeks with my mortgage broker, XXXX XXXX, after calling several times trying to get an answer for this increase. Finally on XX/XX/XXXXI spoke with XXXX after calling the main Wells Fargo help line and speaking with an agent there. XXXX asked if I had received his emails or phone messages and I had not received anything back from him. He then offered to get me started with the Wells Fargo customer complaint department. By that afternoon a formal complaint case was opened by Wells Fargo caseworker XXXX XXXX. She has been trying to rework through my mortgage documents but has not provided me a full answer yet with what happened. 

An Escrow Review Statement was emailed to me onXX/XX/XXXXXXXXXX/XX/XXXXfrom Wells Fargo ( statement dated XX/XX/XXXX). This Escrow Review Statement was issued before I had even made my first payment to Wells Fargo. My escrow was showing a negative balance, a projected escrow shortfall, and an even higher monthly mortgage payment of {$1400.00} starting onXX/XX/XXXX. I then looked into my escrow account activity and found that Wells Fargo had payed the taxes to XXXX County and XXXX XXXX XXXX ( school ) after XXXX XXXX XXXX had already paid the identical taxes to XXXX County and XXXX upon closing. The Initial Escrow Account Disclosure Statement I received on XX/XX/XXXX from Wells Fargo projected my escrow would start with {$2000.00} and XXXX with Wells Fargo said it is possible in addition the title company did not turn over the full initial projected escrow amount to start my balance. 

From my realtor, XXXX, and XXXX, I have been told that Wells Fargo did not capture all of the projected property taxes when my mortgage was prepared. The property taxes in XXXX County were missed when calculating my escrow. The " Over 65 '' property tax exemption of the seller was also not removed when calculating taxes for my monthly mortgage payments ( I am XXXX years old ). 

There was also an issue with closing on XX/XX/XXXX with Wells Fargo input into their computers. A discrepancy had come up of about {$900.00} and they were going to try to get a manual override done by a manager there at Wells Fargo. Closing was actually then delayed to XX/XX/XXXXaround XXXX XXXX I am not sure if that should have also changed some interest payments and/or my first payment due date. 

As of XX/XX/XXXXWells Fargo has not provided me a comprehensive explanation for what happened or a resolution. I am extremely concerned that my actual/true monthly mortgage payments are too high to be sustained by my full-time church employee income.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account XXXX, has violated my rights. 

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 XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thefollowingcompaniesranunauthorizedcreditreportonme..Ineverauthorizedsuchinquiry..Ihavenevergivenpermissionforthemtoinquiremycreditstatus..DeleteinquiriesdonebyXXXXXXXXXXXXXXXXXXXX,ON-SITEMANAGER