23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The root of the problem goes about 6 months ago when my son 's XXXX XXXX got involved on an accident with XXXX XXXX, client of XXXX XXXX, reference # XXXX : XXXX/XXXX/2014. The accident was resolved and declared as mutual responsibility. However, XXXX claimed it different to XXXX, who paid her claim and after filled a collection bill on my name and my son 's name. Soon, I started receiving letters and threating phone calls from a company called AFNI, saying they were legal representatives of XXXX and telling us we need it to pay the bill immediately or face jail time, drivers license suspension and claims on the credit bureaus instead. After reporting this situation to XXXX, XXXX representative XXXX XXXX closed the case and sent me a letter saying the collection was definitely resolved and apologized for the inconvenience. I have this letter on my possession, showing that the case was closed and resolved. We moved on, but two weeks ago my son got pulled over to find out his license had been suspended by XXXX and AFNI collection company since the accident took place. He was driving without a license for months and we did n't know because we were not notified by either of these companies. We have contacted the State and pertinent authorities and they have told us, they need form XXXX signed in order to reinstate my son 's driver license. We have repeatedly called AFNI collection company and asked them to signed this form giving the proof that the case was closed and resolved, but this company supervisor refused to signed and laughing told me " you can paid the amount ( collection bil ) or you will never see your son 's driver license again '' " this is not my problem, contact XXXX and have them sign ''. I contacted XXXX and faxed them the letter they sent me stating that the case was closed, and I have got nothing but promises that someone is going to help me, but no one has. In the process, my son has no driver license and I 'm sending off to college. Also, I requested a proof of debt which I never received, most likely because this case has been closed and resolved and because we never went to court over this debt that was falsified by XXXX, client of USAA.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX. They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Debt collection

Perfomant Recovery  calls my work everyday after several coworkers and my boss told them they ca n't give out personal information or take personal calls at work. My supervisor has told them repeatedly not to call back. The number they 're calling from is  XXXX .
Product: Mortgage

Dear Bayview, Your time is appreciated giving attention to matter. I am not receiving my tax documents - the tax is going to the wrong person and address. I have tried to correct challenge directly with tax accessor office multiple times. The tax roll confirms payments are coming from Bayview however credit is going to wrong person and address. I am not sure how to correct. I need corrections for refinance/modification. When information is corrected would you provide copy of tax document or record from tax accessor office with my name and address. Again your time valuable in assisting with matter. XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 proce 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 for redress these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't make my mortgage payment due to COVID and worked with Caliber to correct this. They claimed this as a natural disaster - like they were supposed to but also hit me with a 90 day late. this was not supposed to happen and it is effecting my score. This was never supposed to be reported as a late and they stated that to me when i called. My credit report shows different.
Product: Credit reporting or other personal consumer reports

I am writing to contest the late payment listed on my credit report. After a thorough examination of the information provided, I have identified discrepancies that require your immediate attention. 
Upon reviewing my credit report, I have noticed discrepancies concerning the reported late payments. I have consistently adhered to my financial responsibilities and am confident that there may be an error or misunderstanding in the reporting process. Furthermore, it's worth noting that both XXXX and XXXX credit bureaus have already updated their records for this account. 

I kindly request a comprehensive investigation into this matter and the swift removal of any inaccuracies from my credit report. 

XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

I applied and was approved for the XXXX XXXX XXXXd on XX/XX/XXXX. I signed up because I had a 50,000 point welcome bonus after spending {$2000.00} in the first 3 months. I chatted with American Express on XX/XX/XXXX to make sure I was eligible for the bonus and the agent confirmed that I was and repeated the bonus that I signed up fo back to me. I paid the annual fee ( {$250.00} ), put over {$2000.00} of spend on the card. Then I chatted with American Express on XX/XX/XXXX to find out when I would be receiving my bonus. The agent tells me that I won't be because I am not eligible. Then I ask if I could get a prorated annual fee credit for cancelling. Nope! That is some major bait and switch. I never received a pop up saying I wasn't eligible for the bonus and an American Express agent even confirmed I was eligible after signing up. The agent I talked to on XX/XX/XXXX told me I would have had to cancel the card in 30 days to get an annual fee credit. If I would have known I wasn't getting the bonus I wouldn't have signed up for the card! Really shady business practice and false advertising.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

This complaint concerns a checking account # XXXX at Capital One. The account is owned by XXXX XXXX XXXX. This entity is the XXXX XXXX XXXX organization and I am the XXXX XXXX XXXX the organization. Typical deposits are a portion of election qualification distributed by the XXXX  XXXX XXXX XXXX. 

On XX/XX/2021 the treasurer, XXXX XXXX XXXX  unexpectedly passed away. XXXX XXXX was the elected treasurer of the organization. 

Capital One has refused the organization access to the account without a death certificate. The organization is not an appropriate entity to get a death certificate nor is the asset part of XXXX XXXX estate. The new treasurer ( XXXX XXXX XXXX XXXX  ) went to the Capital One location in XXXX XXXX and was denied even information regarding additional information regarding the identity of approved signers on the account. Capital One has provided no path forward to gain access to the account. 

I submitted a complaint to Capital One and was assigned this to reference - XXXX. I request the assistance of the CFPB so that we can gain access to an asset held XXXX by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need 2 previous address removed that i never lived at
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor WELLS FARGO clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by NORDSTROM BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I tried to call in XXXX to get deferment during Covid19 and phone lines to Nordstrom were jammed, I could never get through. And online it didnt give me an option to ask for deferment. Later my wife called on my behalf and XXXX told her not to worry that all accounts automatically qualify for deferments. 

The account information is the following : Account Name : NORDSTROM/TD BANK Opened Date : XXXX. XXXX, 2019 Balance : XXXX Credit limit : {$300.00} My demand is based on many damages and all the violations that they have committed. 

I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or my addresses. Please remove them.
Product: Debt collection

On XX/XX/XXXX I purchased a cell phone from one of XXXX XXXX XXXX 's retailers for {$570.00} and had buyers remorse less than 7 days after purchase of the phone plan. I returned the device back to the retailer and was handed a detailed receipt/confirmation of device returned. This account was sent to collection in the amount of {$580.00} in XX/XX/XXXX. I'm am being charged for a device that they have receipt of receiving. I have contacted XXXX XXXX XXXX as well as the Collections agency ( Sequium Asset Solutions , LLC ) several times over the past several months to attempt to resolve this issue with no luck. Ultimately, I spoke to XXXX XXXX in customer care on XX/XX/XXXX regarding my complaint and was informed that this would be resolved within 30 days with XXXX XXXX XXXX, the credit bureaus, and the collection agency. A confirmation email was sent to me ( I will attach ) with the summary of our conversation with no resolution to date as I keep getting tossed around to different departments with no one taking initiative to help resolve the issue.
Product: Checking or savings account

On XX/XX/XXXX I received a bank wire for {$200000.00} and my account was immediately restricted. I called and spoke with several employees and I was reassured that I would receive my funds soon. On XX/XX/XXXX my account was closed and my funds were debited. I called for a status on my funds and Chase bank employees informed me that my funds were being investigated and nothing has changed since the XXXX of XXXX. I told them we have no legal binding contract since my account was closed on XX/XX/XXXX and I would like my money. They refuse to tell me why it's being investigated, the bank wire came from a real estate title company and a local bank. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) I was rude in a phone call and I feel I am being scolded and funds are being held for that. It has been 16 days
Product: Debt collection

Twice in the past year ( the most recent being today XX/XX/2019 ), I have had false collections accounts owned by XXXX XXXX XXXX show up on my credit - usually through XXXX ( but not XXXX  or XXXX ). These 'accounts ' are usually in the   thousands of dollars, and my credit report says that I have made payments to them ( which is false ). I was never notified of these accounts or that they were back-owing, either via phone call, in writing, or otherwise. What's worse, is that they are supposedly for student loans that I never accepted through a school I never attended! 

These debts are not mine, and it is adversely affecting my credit and my buying power. If I had not been tipped off about these accounts by lenders ( who had to turn my applications down because of this issue ), I would never have known that they were even there and adversely affecting my credit scores. XXXX XXXX XXXX is FRAUDULENTLY deceiving people into paying them THOUSANDS of dollars, and they've tried TWICE with me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the creditor has violated my rights. Under 15USC 1681 section 602 states that I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card

Since XX/XX/1996 I have had a XXXX Credit Card through Chase. I want to keep my card with Chase. Chase has been great with fraud detection and the site is easy to use. Customer Service has been outstanding. I have built up a XXXX year great credit history. 
I received a letter last week that Syncrony Bank is taking over the XXXX rewards card. I do not want to switch. I called Chase and requested to switch my account to another chase card. Chase said that I can not do this anymore because the accounts are going to XXXX Bank. My only option is to open a new account. I do not want a new account. XXXX Bank and XXXX gave no notice about this. I would have switched my account when I could but I had no idea that anything was changing. We should have been given at least a 60 day notice period to stay with chase with a different credit card and keep the credit history in tact. I have no loyalty to XXXX. I want to switch my Visa Siganture card to another Chase Reward card and keep my credit card history and stay a Chase Customer.
Product: Checking or savings account

On XX/XX/XXXX a hard inquiry was put on my credit report from Charles Schwab. I reached out to Charles Schwab fraud department and they said 7 checking accounts were open in my name and have been closed. The fraud representative from Charles Schwab said that the hard inquiry will be removed off my credit report in seven days. On XX/XX/XXXX the hard inquiry remain on my credit report. I reached out to Charles Schwab fraud department and they informed me that the accounts were still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect filing date on the US BKPT CT  TX XXXX docket number XXXX. The correct Date Petition Filed was XX/XX/2016. ( Please see page attached from my credit report along with a copy of the filing information. ) This incorrect reporting is harming my credit score and these line items need to be removed and/or updated to report accurate information. I have contacted the ( 2 ) bureaus to update this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report without my consent, negatively impacting my credit score and financial well-being. I contacted Experian regarding this issue, and a representative assured me that these inquiries would be removed. However, they are still present on my report, causing me growing concern. As someone who values financial security, this situation is deeply unsettling. I am worried that I may already be a victim of identity theft, and these unauthorized inquiries are adding unnecessary stress to my life. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened
Product: Vehicle loan or lease

Received auto loan through Credit acceptance. Made several payments to which no payments were ever reported. Original loan amount raised years later from approximately {$5500.00} up to {$8500.00}. Car was full of issues, and dealership refused to fix. Became unable to drive. Car was totaled out, I turned it in, it was sold and no proceeds were ever put towards the original amount owed, instead they added on {$3000.00} and my credit report states I never made one payment. Yet I paid on the car for almost at minimum a full year.
Product: Credit reporting or other personal consumer reports

Credit Karma I filled of for the account thinking from advertising it would get me the credit card as advertised and instead it gave me their card and has continued to allow credit hard inquiries and soft ones I never gave permission to do in which has given me a low credit score I was building after divorce. It keeps running my SS number for it's own gain as well I never gave them permission and never got that credit card and I still keep it active due to not wanting to loss that information. I even filled my tax 's on it I was to get an loan off the taxes if filled through them and it's taxes XXXX and tax place and never received that pre taxes loan at all.
Product: Checking or savings account

I have a personal account with cash app and Ive been using it for a long. Time and Im constantly active on it transferring money or using it as its my main bank I was told to switch over into a bussiness account so I did everything has been fine so me and another bussiness account have been making transactions with eachother selling antiques I was purchasing from him everything was fine until I was making a payment to that person that they let me put lay away basically reserve as Im making my payment it says that cash app has deleted that account I then reached out to cash app and told them reasons why? And that I have a transactions with that person I was buying Ive worked hard to try and purchase the antique and was happy to be finishing paying it off so when this happened I wanted a reason why there profile got deleted and I couldnt get an answer I cant get a hold of the person because we never thought this would happen Im sure hes just as confused as me so I let cash app know right away I just made a payment to this busssienss account how can you guys delete there profile being made that me n this person have been purchasing from eachother, extremely upset I worked extra hours to try and finish paying it off for something I couldnt get because cash app deleted there profile and couldnt give me in touch or any reason why
Product: Checking or savings account

Complaints After Complain since XXXX Same Issue Time Delay letters XXXX after the Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It goes on and onWells Fargo Time Delays after which no resolution! Weve even made on offer of conditional acceptance which theyve refused. Yet, there has only been letters of delay. Now, we are requesting to see written copy of their completed investigation including all parties involved, and that CFPB to get involve with this matter. 



Wells Fargo failed to properly safeguard and secure our business account as a customer, highly sensitive personal information during a data breach by XXXX of its employees beginning in XXXX. Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 

Wells Fargo states that it has completed a thorough investigation in this matter. Additionally, Wells Fargo state that they have fully investigated a XXXX account that the company does not have. Now, we are requesting a full blown copy in writing of their investigation including times, names, all account numbers of the investigation completed. On XX/XX/XXXX, This account is yet active awaiting a fair resolution while Wells Fargo announced a data breach that has raised significant concerns among its customers. We have presented to Wells Fargo via registered mail a Conditional XXXX letter in which no response has been received other than an unrelated redundant letter received periodically since XXXX stating that it has address the customer breach issue that is completely false. Moreover, just XXXX days ago Wells Fargo has reported a data breach due to unauthorized access by a former employee. Sensitive customer information was compromised, prompting immediate notifications. An issue that we have been fighting for and trying to get Wells Fargo to resolve, and stop evading our issue.
Product: Credit reporting

Experian is reporting information regarding XXXX BANK XXXX .... on my credit report, and their system refuses to let me re-dispute. No other CRA is reporting it, only Experian. Creditor 's statement : Account transferred to another lender, and Experian refuses to investigate the name of that lender. Moreover, I have no knowledge of the account.