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

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this public record reporting in error and asked for an investigation, verification, and deletion over 6 months ago. The Credit Bureaus have NOT provided verification per the FCRA and falsely stated that the courts verified this public record, however, enclosed in a letter from the courts stating that they DO NOT verify anything with the credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

i entered in an installment loan with ONEMAIN on XX/XX/XXXX. I defaulted on the agreement, the XXXX XXXX XXXX was reposessed and sold at auction. which i didnt recieve any form of notification of where the auction occured nor date or time. which law states that the person who items of reposession should be be issued this info post auction.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX was co signer on a small loan with XXXX XXXX XXXX @ PNC Bank in XXXX NC. XXXX XXXX passed away XX/XX/2018 and the XXXX NC branch manager was presented with a copy of the XXXX XXXX. PNC continued to send invoices to XXXX. XXXX XXXX XXXX XXXX closed his business ( he is still living ) it was at that time that it came to the attention of the XXXX XXXX that XXXX XXXX XXXX was still on that loan as respocible party. Once more a death certificate was presented to the XXXX NC PNC branch manager as well as XXXX times in the XXXX NC location with that Branch Manger. This matter has still be lingering on and on and it's very offiensive to continue to have this nuisance. I want PNC Bank to STOP sending dept collection letters to a lady that passed away over XXXX years ago. So many letters have been returned noted XXXX over the past years. This matter needs to be resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance {$2600.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

XXXX XXXX XXXX XXXX Balance : {$1300.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to mis-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!
Product: Debt collection

Hi, I had service with a phone provider ( XXXX ) My services were disconnected on XX/XX/XXXX. 

My unpaid balance in the amount of {$220.00} was assigned to a collection agency ( XXXX XXXX XXXX ) and I started making payments on this unpaid balance in XXXX of XXXX. 

My payment arrangement was set up to be 4 automatic payments of {$56.00} beginning on XX/XX/XXXX - XX/XX/XXXX. 

I completed this payment arrangment and all 4 payments were withdrawn on the below dates : XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} There was a auto-payment error on the collection agencies end where the payment for XX/XX/XXXX did not get auto-drafted. I called the collection agency to confirm this and they informed me payment would resume on the following month no issues. 

After paying my final payment to the collection agency to fulfill my obligations on XX/XX/XXXX there was no communication afterwards between me and the collection agency ( XXXX XXXX XXXX ) or my previous phone service provider ( XXXX ). 

On XXXX  XXXX, XXXX, I received a written collection notice from another collection agency ( XXXX ) that I had a unpaid balance due from ( XXXX ) in the amount of {$110.00}. 

I contacted my previous phone service provider ( XXXX ) and the previous collection agency ( XXXX XXXX XXXX ) to get an explanation on where this additional balance owed was coming from and why this was not communicated sooner or included in the amount assigned to the collection agency I made payment arrangments with. I have not been able to get a reasonable answer. 

I believe the amount owed was falsely represented when I made my original payment arrangment in XX/XX/XXXX with the assigned collection agency. I received no communication/notice that additional monies were owed/due from either the agency or my previous service provider between the time I made my last payment on XX/XX/XXXX through the time I received a written notice on XX/XX/XXXX. 

This balance is now with a third collection agency ERC and was added as a negative debt owed to my collection report on XX/XX/XXXX. I've been disputing it ever since I received the notice on XX/XX/XXXX.
Product: Checking or savings account

Funds are suppose to be able to be released into account and cash app is not allowing funds to be distributed.
Product: Credit card or prepaid card

I have a loan with SYNCB/CARE CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and SYNCB/CARE CREDIT with no successful resolution. XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts # XXXX, # XXXX, and # XXXX, have 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 an account without my written instructions.
Product: Mortgage

To whom it may concern at Loancare : This is to correct an error made on your behalf per error resolution notice under 12C.F.R. *1024.35 I am writing to request that your correct the error described below in regard to the mortgage on my property at : address Payment Errors : OnXX/XX/2019 you withdrew by auto draft the amount of {$5000.00} ( this was done after our loan was paid off ) We contacted you on XX/XX/2019, we were told that we would be able to get a refund once we submitted you proof that the payment was made. You confirmed the loan was paid off and we also have proof from XXXX XXXX that you received the wire for the full pay off on XX/XX/2019. 
We emailed you again and attempted a call when we did not receive a confirmation with the requested ticket number on XX/XX/19, We were then advised that a check was to mailed to us on XX/XX/2019 We followed up and were told the check had not gone out. We then again called on XX/XX/2019 and were told that the request wasnt processed correctly. The customer service representative told us that they would request a call from the resolution desk but there was no one we could call. Later that day they called us ( this was a Friday ) We were told that there was nothing more that could be done until Monday. 
We have received communication again that the check will be sent out on XX/XX/2019. We are not confident of this as we have been told a check was going out a week earlier. 
It is essential, ethical and compulsory that you refund us the money that you took without a bonified need. Not only did you withdraw the payment for the loan balance was, but an additional {$3000.00}. 
You withdrew these funds After you received the complete pay off. We have no choice but to notify the Consumer Finance Protection Bureau of these mob-like practices. 
Return our funds, or we will pursue damages to the fullest extent allowed. We were put into a financial hardship by no fault of our own and will seek restitution if not handled immediately.
Product: Credit card

I went into home Depot an aplied for a credit card an I was approved for XXXX {$.00} They asked if I would like to use it for my purchase which was some XXXX like XXXX $ I declined an said I would like to wait till I get my card so I paid with cash.well when I got my card 3 months later I went into store to use it an it was declined for a purchase of XXXX $ that turned into XXXX $ with late fees I told them it was a mistake I just got my card well they told me that I was just XXXX since I did n't keep my recite that was 3 months ago for a piece of XXXX an that has messed my credit up since then an they will do nothing to help over XXXX $ that I would have been taking care of if I knew about it what can I do
Product: Mortgage

On XX/XX/2020 I contacted Rocket Mortgage/Quicken Mortgage because XXXX XXXX stated they were the investors on my loan refinance. The reason was to get them to call XXXX XXXX and XXXX XXXX as I had also called them to complain about the coronavirus and my protection and the failure of this company to protect me from harm 's way ( a.k.a death ). Both XXXX  and XXXX offered solutions to doing inspections even for a " cash out '' which did not require to go inside my home. By the way XXXX did the appraisal with a drive by and XXXX 
My home is worth about XXXX XXXX - XXXX lists it at XXXX. I owe about XXXX so I wanted to refinance. I have two loans ; a primary at about XXXX and a secondary XXXX. They will refinance the first with no appraisal, the one that is worth XXXX, but if I want the XXXX wrapped with it, this " cash out '' requires an in-home inspection. We will not have anyone in our home, we have no idea where they been, if they are a carrier of the virus and for XXXX it does not seem worth it to put my live and my wife 's life in jeopardy. 

I recorded the conversations and their recordings while on hold claim they care about people and to protect them from the coronavirus but it is a lie. The refused to call XXXX or XXXX to go through the procedure to do a drive by even for " cash out '' - which by the way makes no sense to me because I am not actually getting any cash. They can walk around the home, look in the windows, but not go in side. 

Mortgage/Quicken Mortgage is getting just as bad as XXXX - and should be blacklisted from the mortgage industry by the federal government. They are discrimination against me because I don't want someone I don't know and in my home who could infect us. We don't even allow our own family in our home. We are older and Mortgage/Quicken Mortgage does not care about people. They should come up with another way of verifying- this is a XXXX XXXX  home, come on, and to force to put my life and my wife 's in jeopardy for a mere XXXX does not make sense. They are evil. I want to enact the Harter-Corona act that prevents mortgage companies from discriminating against those who want to live ; to provide other means of assessing the value without someone entering a home ; a video, a hand off to someone outside the home that gives them what they want without killing me ( literally ). They are not taking this coronavius seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX and financed it through Santander Consumer USA in XX/XX/XXXX. We sold the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a check for the amount owed on the vehicle to Santander, and as of XX/XX/XXXX the account was paid in full. XXXX XXXX owes me money on the vehicle, but they are holding the money until the receive the title. In South Carolina, titles are held electronically, therefore Santander must release the lien on the title electronically. Santander keeps sending letter stating the lien has been paid off, but they for some reason will not send a electronic release to the DMV. I can not get anyone from Santander to give me a clear answer, they just keep sending the letter over and over again. The DMV told me there is nothing I can do because Santander will not send over the electronic release of lien. The letter they sent really does not mean anything. Santander also keeps giving me different reasons for not releasing the lien electronically, and they tried to say South Carolina is not a title holding state, but they more definitely are. I have contacted Santander numerous times, and they will not help us. We are having money held from us because of this issue. I am not sure why they will not send the electronic release. This is become a huge issue for me, as I have spent hours trying to fix it situation. It is getting to the pint where it is becoming a legal issue.
Product: Debt collection

I was in prison ( for something that happened during an acknowledged mental break ) and my son was taken to the doctors months into my sentence. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
Product: Other financial service

In an attempt to pay down my student loans, this company stated that they charge {$240.00} for the first two months in order to consolidate my loans. The following months I paid {$110.00} every month in order to pay off my student loans. I later found out that since all my loans were through the federal government, there is no charge to consolidate my student loans and in some cases consolidation is not necessary. I have since gotten multiple requests from XXXX stating that my loans have not been consolidated and when I contacted the agency to inform them of the notices, I was told that it takes a while to process and that the consolidation would show up. Nothing has shown up. I was also unemployed for a few months and when I contacted the agency to let them know, they never placed me on the deferment list and still took out the {$110.00} in XXXX. I attempted to contact " Student Service '' several times in order to resolve the issue but their phone line continued to go straight to voicemail. I also tried to locate original documents in an e-mail that only provided a link and now goes to an invalid page. 

To resolve this issues, I had to contact my bank, XXXX XXXX XXXX, to report the fraudulent activity and have them on permanent suspension of further deducting any money from my account. Once the issue was resolved at my bank and I received the funds, I FINALLY heard something back from " Student Services '' from someone named XXXX XXXX saying that my account with the agency was canceled. I have also checked on my government student loans and there have been no payments made to settle my debt. These instances occurred only because I was trying to relieve my debt prior to finishing XXXX school. It is extremely unfortunate to have agencies like this that exist to scam individuals solely wanting to pay off their student debts. 

Attached within this claim is the original agreement from Student Services and XXXX additional documents stating they would be taking out {$240.00} in XXXX and XXXX. Also included are my XXXX XXXX XXXX statements for XXXX, XXXX, and XXXX. XXXX and XXXX payments are listed on the XXXX statement together. 

At the bottom of each statement it lists the automatic withdrawals for the account. This company is listed as STUDENT SERVICES XXXX : RECURRING on each statement. 

XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX/XXXX/2016 for {$110.00}
Product: Money transfer, virtual currency, or money service

Heres my response your more than welcome to use in the description section just copy and paste : 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. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I filed a dispute with customer service a week ago in regards toan airline ticket i purchasedfrom XXXX XXXX, they canceled the trip, i triedto resolve this with them but i couldn't, i called Bank of the west customer service, i couldn't get any resolution or refund
Product: Debt collection

We had an account with XXXX for 14 years at one residence ( in Arizona ). We never missed a payment and had an impeccable credit rating with XXXX. Due to my wife 's father becoming ill we had to move to XXXX for XXXX year. We had XXXX at our residence in XXXX  ( XXXX XXXX XX/XX/XXXX ). We moved back to XXXX  in XX/XX/XXXXor employment reasons. In XXXX, we were advised to suspend our account ( no charge because we were excellent customers for 14 years ) and set up the service when we arrive in XXXX. Unfortunately, where we relocated in XXXX, XXXX was not available. We made a final payment to XXXX in XX/XX/XXXX and cancelled the account at that time. The equipment was returned in XX/XX/XXXX. We have the receipts to prove this from XXXX. XXXX did acknowledge the returned equipment. We started to receive bills stating we owed {$700.00}. I have been trying to speak with customer service representatives about this bill for over one year. This {$700.00} amount is now listed with a collection agency. My wife and I are trying to purchase a home, and this account is damaging my credit rating and ability to secure a loan. I have on record that I have communicated with three supervisors ( as well as their ID/Badge numbers ) about our situation. I can not get any answers or feedback about how we owe {$700.00} dollars. We never received an itemized bill with any charges. No charges should have been incurred as the account was suspended and then cancelled. One supervisor removed a {$66.00} charge immediately, stating this was not our fault. If this was done, how do we to owe {$700.00} dollars? I have been trying to communicate with XXXX for over one year. There is no justification to this charge. We never authorized these charges. When speaking with the supervisors all of them guaranteed to give us a return call ( about our situation ) within 5-10 business days. This has not happened. I was told to respond to an email as I was speaking with a supervisor to verify the correct email address. I did this while we were speaking on the phone. We have not received any information or resolutions about these charges. There was even a quote from a supervisor who stated the " back office '' would investigate and reply within 5-10 business days. I would welcome the opportunity to speak on the phone or communicate via email.
Product: Debt collection

I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017.  They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both Midland Funding LLC and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.
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. 

XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85000.00} EXPERIAN : Account Name : THE GOLDEN XXXX CREDIT XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85000.00} XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/21 Balance : {$0.00}
Product: Credit card

I signed up for a USAirways XXXX XXXX credit card in XX/XX/XXXX when they were running a special promotion : Pay the annual fee of {$89.00} and receive XXXX companion flight certificates to be used anywhere they fly for {$99.00} each. Shortly thereafter, US Airways and XXXX merged and I was sent a letter that they will no longer honor the companion certificates. They did not offer to refund my {$89.00} annual fee. They only offered XXXX bonus miles if I spent another {$3000.00} on the card in 3 months. The company made good on the XXXX miles, but I just received a promotional mailer stating that they are offering the original deal again : XXXX companion tickets for {$99.00} each ... I just spoke with the company and I ca n't get a straight answer. They refuse to discuss the fact that the promo was taken away and now that it is being offered again, they said they could give me {$99.00} companion certificates but they would only be good for use in XX/XX/XXXX. Problem is that we take XXXX vacation per year and already purchased full-price tickets for our XX/XX/XXXX vacation because we were told they no longer offer the original deal ... Is this even legal?