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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Mortgage

My 1098 has not yet been provided to me via the web portal or via mail with Mr. Cooper. It has been 36 hours since I initially contacted Mr. Cooper and I have yet to receive any response.
Product: Mortgage

On XX/XX/year> lake michigan credit union called me and advised me I will be " breached '' in a couple of days witch would've been 34 days late at the time. 
That same day I called back due to not understanding why I was going to be breatched so early I was informed that I have " 60 days before your account becomes breatched '' so I didn't panic because I would be able to figure out one payment by that point. 

On XX/XX/year> I went into a branch to pay my late payment and was told that they won't take it unless I pay the amount in full witch would've been 2 months due to them breatching my mortgage on XX/XX/year>. So I tried to contact the mortgage department to sort it out and they said " i do see it in the notes that someone told you 60 days but that was misinformation ''. And i spoke to the head of the department ( XXXX ) and told him i wanted him to listen to the calls and go back on the notes and he laughed at me and said they wouldn't have told me that that I was making it up so I requested the calls to file a law suit and was told " I can't give out that information " XX/XX/year> I contacted a mortgage lawyer and he said the amount of money I would have to spend to fight it I might as well pay the payments
Product: Debt collection

I settled a debt with XXXX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency ARSI ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call XXXX because the file is no longer with them. I called XXXX and was told to call ARSI. I called ARSI and was told to call XXXX.
Product: Checking or savings account

have had numerous unauthorized charges come out of my current account over the last XXXX weeks, due to someone I worked with taking my phone when I wasnt paying attention and getting my card numbers. I have filed XXXX disputes, XXXX on XX/XX/XXXX totaling XXXX} ( which is still under review ), XXXX on XX/XX/XXXX totaling XXXX  ( which was denied XXXX days later ) XXXX on XX/XX/XXXX totaling XXXX XXXX which was also denied XXXX  days later ) and then XXXX more filed on XX/XX/XXXX totaling XXXX  ( which is still in review except for XXXX of the charges were already denied ). Now, I have emailed and chatted with your rude customer service reps and emailed this so called dispute team more times then I can count asking for whatever information you used to deny my disputes and I have yet to receive any of the documents. I have contacted the merchants explaining the situation to them and they have told me that current never even tried to contact them about any disputes I filed. Every merchant advised me to have currents dispute team call them while Im on the phone so that I would know that they did in fact verify that all the charges I disputed were fraudulent, but obviously theres no way I can do that when you people wont even return phone calls but just go ahead a deny disputes XXXX after they were filed and then not give the customer the documents you used to deny the claims. 
Someone needs to reopen my closed denied disputes and contact the XXXX merchant so that I can get my money back asap!
Product: Money transfer, virtual currency, or money service

We strongly believe that competitors, exes, XXXX XXXX as we are a minority-owned firm, and other troublemakers are filing false complaints/requests for investigation against our law firm company this leading to a spate of frivolous harassing investigations into our law firm company- we have filed federal complaints with the Office of Professional Responsibility and other agencies to investigate this - this is also evidenced by the fact that we have prevailed and won on each and every single credit charge back since they came in this year- please also be advised that charge backs increased during the Holiday season when desperate people are looking for extra cash to spend on their cards after they have already used and abused us for our stellar legal work- which desperation has been made worse by COVID-related unemployment and lack of cash/liquidity in our generally poor, criminal, immigrant clients ( we do immigration, criminal defense, and family law work ). Please urgently investigate and advise.
Product: Credit card or prepaid card

Cars was stolen on XX/XX/XXXX and used the next morning on XX/XX/XXXX they said that becuase I logged on and saw the transaction that it must have been fraud which is simply not true. I have tried multiple time to resolve this issue with no luck they wont even let me XXXX the choice. STAY AWAY FROM ASPIRE CREDIT CARDS AT ALL COSTS! Stolen XXXX $ from me!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). specifically, cashapp 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

After sending written notice twice and filing a complaint here, I received an e mail from the company assuring me my number was removed from the database, but still getting more calls. 

My previous complaint.. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Communication tactics
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Vehicle loan or lease

Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Application number : XXXX I did not submit a request for pre-qualification. Mistaken identity or fraud.
Product: Credit reporting or other personal consumer reports

I am disputing a late payment on my credit report for account number XXXX with Flagship Credit Acceptance on date XX/XX/year>. This is an error, this payment was never late and account have then since been payed off completely. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate information. Please investigate and correct this mistake. Please remove, block and delete all inaccurate information from my credit report. Thank You
Product: Vehicle loan or lease

XX/XX/XXXX, GM Financial, received a check for the pay off for my vehicle. Stated that they needed 48 hours to process a pay-off letter after the check cleared the bank. Let them know that I needed this letter just as soon as possible as I am trying to purchase a home and my mortgage broker needs it. A week passes by and I call to get said letter. Stated I would have it in 2 hours. Call that evening, stated that I was told wrong and they needed another 48 hours. Call daily for the next week with the same story. Then I am told that they can not send me a letter via email ( I was never told this they kept telling me they would email it over ) because the loan had been closed out. We play phone tag for another week as I am waiting for them to send me said letter via fax. Yesterday, XX/XX/XXXX, I called and was told that every one of those requests were DENIED because I had to wait 30 days until the check was past the timing that a check holder could cancel the check. Stated that on XX/XX/XXXX I would be able to get the letter. I called XX/XX/XXXX and they stated that they were now waiting on title paperwork on this vehicle. 

My point is, this is the absolute WORST customer service. No one knows their regulations, rules or what-have-you. This is the biggest disaster I have ever seen in my life and if I had done my research before I accepted a loan with GM Financial- I  would have ran.
Product: Credit reporting or other personal consumer reports

WELLS FARGO BANK , N.A . is in violation of multiple laws set forth by Congress regarding the following account # XXXX. XXXX5 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( WELLS FARGO BANK, N.A. ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( WELLS FARGO BANK , N.A. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. WELLS FARGO BANK , N.A . can not collect on a canceled debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By definition, the IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from WELLS FARGO BANK , N.A . for the canceled debt of { { {$1400.00} } } in order to file as ordinary income.WELLS FARGO BANK, N.A. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! WELLS FARGO BANK , N.A . has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information.

In WELLS FARGO BANK , N.A . terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, XXXX is not an affiliate of WELLS FARGO BANK , N.A . nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer. Additionally WELLS FARGO BANK , N.A . was also put on notice revoking any and all authorization I the consumer may have given written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. WELLS FARGO BANK, N.A.did not respond to or acknowledge this notice and has clearly still been disclosing my personal information to non affiliates ( XXXX, XXXX, XXXX ). 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I will start off with I've been made a mutiny of and i have been told lies and been deceived by credit karma and this situation really needs to be closely looked at, XX/XX/XXXX XXXX acc # XXXX Beginning Balance XXXX XXXX deposits and other credits XXXX XXXX withdraws ( XXXX ) ending balance XXXX Withdraws From Credit Karma checking from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX # XXXX BEGIINNING BALANCE XXXX XXXX DEPOSITS AND OTHER CREDITS XXXX XXXX WITHDRAWS ( XXXX ) ENDING BALANCE ( XXXX ) WITHDRAWS FROM CREDIT KARMA CHECKING FROM XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX MY ACCOUNT NUMBER WAS CHANGED ON THE XXXX OF XXXX AND WAS FROZEN AS OF THE XXXX NO RECORD OF OTHER CLEARED DEPOSITS SO IN LIGHT OF THIS MY XXXX ACCOUNT WAS FLAGGED AND ALL THE FUNDS THEY CLAIMED WAS RETURNED TO XXXX WAS NOT IT RETURNED BACK TO CREDIT KARMA AND ON STATEMENT REFFERS TO RETURN OF WITHDRAW UNKNOWEN THIRD PARTY I HAD REPEATEDLY CONTACTED THEM ABOUT THIS SITUATION EVERY TIME MY DEPOST WOULD CLEAR IT WOULD BE WITHDRAWN IMIDIATELY I HAVE OVER 9 DIFFERANT CASE NUMBERS FROM ME CALLING ABOUT THIS I THEN CONTACTED XXXX AND THEY SAID XXXX XXXX CONTACTED THEM CONSTENLY ABOUT THE WITHDRAWS AND SAID THAT THE ACCOUNT WAS FROZEN SO THEY DID NOT HONOR THE RETURNS AND FROZE MY XXXX ACCOUNT I HAVE TO FIKE A SEPRATE COMPLAINT FOR MY XXXX XXXX  DEPOSITS THAT CREDIT KARMA WAS AGAIN DOING THE SAME PATTERN OF FRAUD I HAVE MORGATE BEHIND 2 MONTHS CAR REPOSSED BILLS AND NOT TO MENTION BARROWING MONEY AND ALL INCURRING INTREST BECUSE OF THIS OUTLAW FRAUDULANT COMPANY I DEMAND THAT THEY BE AUDITED AND FINES AT THE MAXIMUM EXTENT POSIBLE AND PUNISHABE BY LAW IIM NOW IN ABOUT TO BE IN FORECLOSURE AND YET HAVE BEEN TOLD TO FILE DISPUTES FOR FALSE MADE CLAIMS OF FRAUD THIS IS GOT TO BE THE ABSOLUTE MOST MOCHERY IVE EVER HEARD AND SEEN IUN MY LIFE THESE CROOKS HAVE TO BE SOUGHT AND PUNISHED IM BEYOND LIVID IM IN A FINANCIAL CRISIS AND THEY STILL HAVENT GIVEN ME MY PROVISONAL CREDIT FORF THIS AND YET TO BE TOLD OR EXPLANATION
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection from XXXX XXXX XXXX XXXX  number XXXX - amount of {$4600.00} has not been verified, is being reported to two different credit reports, have not been given noticed about who owns the account/collection, nor has given evidence of authorization to be added to my credit report.
Product: Debt collection

Keep receiving harassing and suspicious robocalls from so called Global Credit & Collection Corp. from the phone number XXXX almost every day. I have no past due debts with any creditor and I have not received late payment letters from any financial institution or any other. Have n't received any official document or letter from that company either.
Product: Mortgage

I spoke to my relationship manager on Late XXXX to discuss a mortgage resolution that has yet been fixed. The relationship manager said that she will look into me paying a {$1400.00} down payment and then have a {$1000.00} mortgage payment per month. The relationship manager said she needed to get approval before it can be approved. I never heard back from my relationship manager for the approval nor did I get any letter saying I was approved. After about 3 weeks, I went online to my account at www.ocwen.com to see if there is any update and I saw that all I had to pay was a payment of {$1000.00} starting XXXX XXXX, 2015. I made my payment on XXXX XXXX, 2015 and received a confirmation letter XXXX from Ocwen. I checked my Ocwen account daily to see if my payment posted and on XXXX XXXX, 2015, the {$1000.00} was deducted out of my wife 's XXXX account on XXXX XXXX, 2015. Ocwen stated on the phone that they rejected the payment because I did not pay the {$1400.00} down payment. I explained that they never sent me a letter with approval and when I saw that I had to pay the {$1000.00} I paid it. 
Ocwen has been playing around for a XXXX time now. Most recently I submitted a letter to the CFPB in regard to {$10000.00} I paid Ocwen with no resolution. I am in dire need of help from the government as Ocwen still has messed up my situation. They seem lost when it comes to phone calls and when you do the right thing they just want more money.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. 
I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. 

I kindly request the following actions be taken urgently : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. 

Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. 
Implement additional preventive measures on my account to avoid any future unauthorized access or activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed, on multiple occasions, the two " Lending Club Corporation '' accounts that appear on my XXXX  credit report. My disputes have been in writing to the company and at least four of the debt collectors companies that have since purchased these debts. I furnished ID Theft reports and statements directly to the aforementioned businesses, and I have furnished the same details to each of the three credit reporting agencies ( CRA ). XXXX and XXXX  have both deleted these accounts from my credit reports. However, Lending Club Corporation continues to report these fraudulent accounts to XXXX. Kindly note that, the third of the three disputed ( fraudulent ) account, reported by an entirely separate business " Upgrade '' which I have disputed with all three CRA along with the two Lending Club Corporation accounts, no longer appears on any of my three national credit reports.