23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

loan started with Ocwen now XXXX interest rate XXXX percent this should be illegal for mortgage company to charge this amount gave away money XXXX in interest for a less than XXXX loan i have tried for yrs to have interest reduced do not know why there are not better monitering of predatory mortgage company every few yrs the mortgage company transfer the loan so other mortgage companies can take part in this proxy scheme that should be so illegal XXXX discrimination
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 someone named Her ( XXXX XXXX  ), who I have never heard of, made four requests from my Cash App, all for {$1000.00}. I got emails from Cash App at XXXX, XXXX, XXXX and XXXX regarding the requests. The first three were refunded by Cash App at XXXX, XXXX XXXX and XXXX XXXX with the message : " For your protection, your {$1000.00} payment to Her was refunded. '' The fourth attempt was completed without a refund. 
At XXXX I was sent an email saying- " XXXX ( my email ) has been unlinked from your XXXX account. If you did not request this change, please let us know, '' but I was not at my computer or phone then. I contacted Cash App as soon as i realized all of these transactions were going on and that I did not request my email to be unlinked. I was told by Cash App Support that the scammers then added the email XXXX to my account. I filed a formal request for support at XXXX XXXX  on XX/XX/XXXX. I was told that someone from investigation department would contact me about the incident. 
No one ever spoke to me in an investigation. This all happened in one afternoon, without any knowledge of mine. I contacted Cash App as soon as I found out about it. 
I was told by email on XX/XX/XXXX that my appeal was denied and that I authorized this person to have {$1000.00} taken from my account, without anyone ever contacting me from Cash App. The email said " My name is XXXX with Cash App Dispute, thanks for reaching out and I appreciate your patience while I reviewed your dispute claim. 
Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. '' I filed an appeal to this decision and was told by email on XX/XX/XXXX " After reviewing your account, I was able to verify that the payment reported in this case has already been reported previously in case XXXX and they already provided you an answer regarding this dispute. Unfortunately we can not treat the transaction differently, review the previous case to know how to move on forward. I am confident that we have provided you with the correct information based on the information we've discussed, and we may not have additional details to provide. that since my case had already been decided that nothing could be done. " I do want to emphasize that I had supportive contact with customer services people, who referred my case to Cash App disputes who were to contact me about the situation, but never did and made their decision with no documentation. 
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Product: Checking or savings account

Subject : Urgent Complaint : Failure to Refund Fraudulent Transactions and Inadequate Investigation I am filing a formal complaint regarding Capital One 's failure to refund fraudulent transactions made on my debit card between XXXX XXXX, 2023, and XX/XX/XXXX. Despite multiple communications and evidence provided, including feedback from merchants confirming the charges were fraudulent, Capital One has not properly investigated or refunded the transactions. 

I personally contacted each merchant, who confirmed that Capital One had never reached out to themcontrary to what should have been standard procedure. I've attached a spreadsheet detailing the fraudulent charges and documentation of the merchants responses. 

Additionally, I notified Capital One in XXXX that I was affected by the XXXX and XXXX XXXX XXXX XXXX breaches, exposing my personal information to potential misuse. I requested assistance with monitoring but received inadequate support. 

I have documented all communications ( recorded calls ) with both Capital One and the merchants, which I am prepared to provide. It is deeply concerning that Capital One appears to have a pattern of denying legitimate fraud claims without proper investigation, as evidenced by ongoing class action lawsuits. 

I urge you to take immediate action to resolve this matter and refund disputed amounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It XXXX Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Debt collection

Trying to collect a debt I thought I had already paid and now they are filing a case against me
Product: Checking or savings account

XX/XX/2022 around XXXX I went to a bank of America ATM located XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I deposited {$250.00} to pay my bills with. The machine/ATM said it could not take some of my bills and spit out. 1 {$5.00} bill and 1 {$1.00} bill. The ATM still has my cash, an error occurred screen stayed on " plz take cash '' wouldn't give me my card our change screen. I called the bank within minutes. As I'm on hold 2 XXXX American women that were waiting on me to get out said the same thing happened to them when I told them what was going on then after waiting at the ATM for 5 minutes it spit out my card I put my card back in to check the balance as two women said the ATM didn't credit them. Also an XXXX guy came to the ATM I told him what was happening with the ATM, he also stated this problem has happened to him as well. The bank is saying it can take up to 15 days to get my hard earned money. My bills will be paid late, and I will be charged interest. The bank refuses to have a technician go to the ATM to check it out after spending an hr and 15 minutes getting switched and put on hold. This ATM has exactly 4 {$50.00} bills, 2 {$20.00} bills, 2 {$5.00} bills and 3 {$3.00} bills Equaling {$250.00} needed to pay my bills. Total deposited {$250.00} - {$6.00} returned Equalling {$250.00}.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to temporarily lift a security freeze on my credit reports. XXXX and XXXX   allowed me to do it online and it took just a few minutes. Equifax, in contrast, has erected barriers to make it as much trouble as possible. I have an online account with them, and when I attempted to log in to lift the freeze, it said they were " unable to process my request, '' and said to call them. I called the number indicated, and that, too was unscussessful, even though I correctly answered all of their questions. They now want me to mail or fax the request. This appears to be a deliberate attempt to flout their responsibilities to allow consumers to easily place and remove a security freeze. I ask that you impose financial sanctions on Equifax. They are already notorious for their serious data breach that exposed the personal information of millions of Americans to hackers. They only thing that will get their attention is a serious financial penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my derogatory accounts and they are still on my credit report.
Product: Vehicle loan or lease

My lease was up in XX/XX/2021, so in XXXX I contacted my dealership/salesman to start looking for a new vehicle to lease. Well, I was told that due to supply and demand, there were no XXXX vehicles available that I was looking for. We looked outside the area I lived, and still nothing within a XXXX mile radius. My salesman said due to supply & demand and XXXX having to shut down due to COVID, there was nothing he could do for me. Apparently, it was so bad, people were calling and paying with their debit card over the phone and putting down-payments on a vehicle they had never seen, just to ensure they get something. Either way, I looked for months, and I was just being told the same thing. No vehicles, nothing in my price range, and even to get another XXXX ( which they also didn't have ) my payment would double due to the supply and demand of the SUV 's. {$600.00} a month for a XXXX, that I didn't love, was not feasible for me. The end result was ME paying off the loan in FULL and having to go to a different dealership/auto maker, due to no fault of my own. And now XXXX is trying to charge me {$420.00} as a 'disposition fee ' for not leasing another XXXX vehicle! Why should I have to pay this fee, when the reason I couldn't get a vehicle was due to their shutdown and COVID? This is not my problem, and it's already listed on my credit report. I called them direct and was told they don't waive this fee as a courtesy? This isn't a courtesy. If I chose to not lease through XXXX, this would be another story. I also filed a complaint with the XXXX which, they apparently felt they didn't need to respond to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Sources Receivable Management has yet to respond to the request sent via US mail on XXXX XXXX, 2023 to provide the following : Original contract with wet signature, name, address, DOB. An invoice does not properly suffice as a method of validation. This company continues to violate my consumer right by adding false information to my credit profile. I have made several attempts to request the this debt be validated correctly and this company has failed to provide me with the requested information. Please remove this erroneous information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been an account by XXXX XXXX XXXX with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.
Product: Credit reporting or other personal consumer reports

So Ive attempted to open an account with XXXX XXXX. They will not open my account because of negative remarks from KeyBank. It keeps saying something about checks. I never had checks with KeyBank when I had an account with KeyBank and every time I went to cash my employment check because of the amounts I always had issues so I ended up closing my account which they gave me a hard time doing that and went to bank with XXXX which Ive havent had any issues with since I also have an account with XXXX thats been in good standing for a while now as well so the report from XXXX XXXX came in. I called the people who they go through for the credit check. They told me to reach out to KeyBank. I reached out to KeyBank. Theyre saying that there isnt anything the information that theyre giving me is incorrect so they gave me who they go through when they pull credit reports contacted them. They said that they dont see anything for me to reach back out to the people who pull the credit reports for XXXX XXXX reached out to them, filed a complaint for them to look further into it and reach out to KeyBank . They sent me a letter stating that, even though when KeyBank sent me the credit report and the information that they had, I sent it to them when I Filed the claim they said that it came back. Still something on there is saying that theres something on KeyBank report and I would like for it to be removed because I closed my account with keeping. I dont owe KeyBank anything and Ive never wrote a check because I never received checks I used to cash my employment check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint submission is in regards to an Unauthorized Inquiry reported by SPEEDY CASH / XXXX XXXX XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them or any loans. SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the CUSTOMER RELATIONS & ACCOUNT SPECIALIST DEPARTMENTS by the name of XXXX ID # : XXXX. It was extremely difficult to obtain any information from her, as she was extremely rude over the phone. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting SPEEDY CASH / XXXX XXXX XXXX immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Product: Credit card

1. On XXXX XXXX, I read my XXXX Red MasterCard statement and there are XXXX charges appeared fraudulent ( total {$250.00} ). I called in right away and I was assured the account was closed, and amount under investigation. 
2. I received phone calls asking me to pay, I refused and spoke with various people and again reassured that the account was closed and I am not responsible for the amount ; just wait for the paperwork. 
3. On XXXX/XXXX/15 someone called my husband ( whom is not on the credit card ) and he paid ( total {$250.00} ). I called my bank to dispute the amount as soon as he told me that he paid the above amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX disputed some negative items that were showing up on my credit report that were showing up an inaccurate and unfair reporting on my consumer credit profile. I sent all of my paperwork and proof to all three credit bureaus and to this date they have all failed to notify me within the time frame given by the fair credit reporting act ( 30 days ). and it is my understanding per federal law that if any of the Credit Reporting Agencies fail to correct or finish an investigation by the allowed time frame then they must delete the information disputed. In this case all three Credit Agencies have failed to comply by their own policies and federal law. Please help me enforce my rights as a consumer with these companies.
Product: Mortgage

We applied for a mortgage with Wells Fargo. The property was in a XXXX XXXX community on land owned. The XXXX community has a combination of land owned and leased land. We were pre-approved for a mortgage and a closing date was set for a month later. Per request from Wells Fargo, we agreed to put down 25 % of the price. Wells Fargo demanded an appraisal which we paid {$500.00} for. The appraisal was reviewed by Wells Fargo and the value of the property was lowered {$5000.00}. The sellers agreed to lower the price accordingly. When the closing date was moved for the 3rd time, the sellers were considering to pull out of the sale. We called Wells Fargo notifying about this and were assured that they would refund the cost of the appraisal if the sellers pulled out or if we were denied the mortgage by no fault of our own. After the closing date was moved the 5th time, the sellers decided to retract the sale of the property. We notified Wells Fargo about this, requesting refund of the appraisal, but was told that the mortgage was denied by XXXX XXXX due to insufficient collateral - XXXX XXXX does not finance properties as the one we wanted to buy. We got denied the refund of the appraisal for that reason. We filed a complaint with Wells Fargo Consumer Care and Recovery Group, but was told again that they do not refund appraisals after denial of mortgage. Our opinion is, that they should have know this prior to pre-approving us and putting us through the process which lasted 3 months. We were also told by Wells Fargo representative that XXXX XXXX might not approve the mortgage as it was in a XXXX community consisting of manufactured homes, irregardless Wells Fargo should have known that XXXX XXXX and Wells Fargo does not do these type of mortgages. We were lead to believe that this type of mortgage was possible through Wells Fargo. We wasted three month of our time, lost the home of our dreams and {$500.00} due to the above.
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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Student loan

According to Aidvantage, I still have XXXX payments of $ XXXX left with a principal balance of {$1700.00} at 6.5 % interest. I have already made XXXX of XXXX payments and am questioning why I still owe approximately {$6000.00} on this loan. I am not getting a response regarding my query.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$750.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX OF XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

My servicer of my mortgage is Seterus. As of XXXX XXXX, they paid the wrong hazard insurance co. XXXX XXXX, in the amount of {$1700.00}. I contacted XXXX XXXX of the error, and they sent me a check in that amount. I was told to send this check back to Seterus. from an agent from Seterus who told me to send this check to an address in XXXX Co. I was told later that was an incorrect address. I wrote on this check for Escrow Account only!!!!! since my escrow account had a minus amount at that time due to this payment to XXXX XXXX. Then this check was wrongfully put on my loan balance. I have continued to make calls to Seterus to try to get this issued resolved. They give me the run-around, like my XXXX payment was sent back to me, NOT!!!! and a reversal, was done NOT!!!!!, OR I would have to HAVE ANOTHER analysis of my ESCROW, which would also be delayed. Seterus owes me {$890.00}, out of the check I sent them, and they continue to raise my payment, they say because my escrow had a minus. Seterus has sent me a letter stating my loan payment had a balance of - {$1200.00}. THIS IS WRONG AGAIN. I TRIED TO AGAIN CALL, to resolve this mistake, nothing was done again.Then came a letter from them stating I did n't owe a payment until XXXX. WRONG again!!!!! What do you have to do to get a resolution from them? They say my payment this month for XXXX XXXX is {$670.00}, which was also paid for XXXX XXXX. for that amount. My payment should be {$600.00}. I have had numerous issues with Seterus since my loan was transferred from XXXX.The same problems exist always. I pray something will be resolved, my money returned, and my payments to return to the correct amount.