23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX a person from Sears called me and offer me XXXX XXXX he told me that it was going to be monthly payments, I asked to email/mail me documents saying what he was offering. At XXXX I saw charges in my Sears XXXX for XXXX and XXXX, so I called them and ask again for the documents showing what services I was getting, I called them several times and they ended up giving a phone number for the dept. in charge of Home Services ( XXXX XXXX XXXX with Location at Florida ) which I find out just yesterday, I request these people the documents regarding the home services and again I did not received till the end of XXXX, which was showing that I was in a contract for 1 year. On XXXX I request home services for my appliances/they say they can inspect/do maintenance up to XXXX for the same fee that I was paying {$75.00}, which I paid on XX/XX/XXXX, they send a XXXX  from XXXX XXXX who did not XXXXXXXX XXXX XXXX XXXXnce I was doing XXXX he said it looks like is working Ok, even when I told him that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he did not care and left me a copy of his receipt. I hired a technician to inspect my washer and he told me that it will be better to buy a new one, which I did on XX/XX/XXXX from Home Depot. See attached documents. 
I want XXXX XXXX XXXX to refund me the money that I paid buying a new washer machine {$940.00} BECAUSE THEY FAIL TO DO THEIR JOB AND REPAIR MY WASHER WHILE IT WAS UNDER THEIR CONTRACT. If they want to replace it for a new one they can do it too, since I hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Their technician failed to do his job, failing to repair and making buy a new one. 
Thank you,
Product: Mortgage

On XX/XX/2022 I received 2 letters from the XXXX XXXX XXXX tax collectors office stating that I am delinquent from years XXXX and XXXX. They say that I owe almost {$1500.00} dollars when I make all of my escrow payments on time and my bank UWM even sent me a check last year of around {$600.00} dollars because the " escrow had too much money ''. In the letters I am getting penalized with late fees and they are giving me until XX/XX/XXXX to pay. They also put a small statement in were it states that the property could be put in a public auction or tax-defaulted. I pay my bank and escrow an incredible amount of money that is targeted exclusively to insurance and county taxes. Is the job of United Wholesale Bank to make the totality of payments and on time. My only responsibility is to pay my mortgage payments in full and on time. The irresponsibility from Escrow could be costing me my residence and issues with my local tax collectors office. I want them to fix their mistake or underpayment and to do it now. I don't want to be surprised with penalties or ridiculous increases in my escrow. It is their problem if they underestimate. They made a big mistake.
Product: Debt collection

The collecting agent is Fraud, because the Hospital bill have being paid by my insurance. 
I was surprise that he re- enter it into my credit account again in XXXX, XXXX after the total amout have being settle by my insurance. I sent the statement to him, without contacting the hospital, and also lairs to credit union been a lender loan. This is an hospital bill, the company have taking law into there hand in other to collect money from me illegally. 
I do recommend that this company much check for fraud and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2017 public records items were " deleted '' from my report ( see enclosed doc ). The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ...
Product: Money transfer, virtual currency, or money service

I bought a western union check from XXXX in XXXX Delaware to make a New Jersey child support payment which I mailed from Delaware to New Jersey but it ended up cashed in a cash checking place in XXXX XXXX XXXX XXXX New York ( cashed by teller XXXX ) next to a western union distributor. It was explained to me by western union fraud department rep that if the front of the money order is not altered in any manner anyone can cash the money order even though it's written out to a specific entity. I had to get the NJ XXXX XXXX XXXX which filled and notarized there XXXX XXXX claiming this money order payment was not recieved by them. Send a copy of the police report and now western union wants me to sign paperwork that says there are not responsible for reimbursement but will take XXXX to XXXX  days to review its merit. Western union has XXXX  year to assist anyone in this compromised position then when the time is up you lose your money. No reimbursement. I feel this is XXXX of those hidden rules that's not expressed when you buy a western union money order that should be printed on the money order as a disclaimer to paying customer so situations like this doesn't happen again
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

On XX/XX/11 i made a deposit into my account & went about my day the last time i personally used my card was XX/XX/11 @ a XXXX XXXX XXXX not sure if i left my phone & card in the store but they were misplaced once I accessed my wells fargo accounts i seen {$2700.00} had been sent out with XXXX  XXXX  to a XXXX XXXX  once i saw this I immediately disputed every charge with this name i have used XXXX XXXX before but never in my life with a XXXX XXXX apparently they believe i authroized these payments but that is 100 % false
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Continued harassment about a debt owed from 2010. Calls after being told several times to please not call this number.
Product: Credit reporting or other personal consumer reports

These accounts are not mine. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

XXXX XXXX Social Security : XXXX On XXXX XXXX, XXXX I logged in to my online Regions Checking account to find that a direct debit in the amount of XXXX ( appx ) had been debited to my account causing a balance of XXXX. Then my two auto drafts for my car and house insurance came through and caused the account to be in overdraft. 

I called the customer service line and the only explanation I could get was that someone has evidently written a cashier 's check and brought my account balance to zero. 

On the following Monday, I went to my local branch in XXXX, XXXX XXXX see if they could help me figure out what happened. They called the XXXX XXXX XXXX branch of Regions in XXXX, XXXX XXXX branch manager is XXXX XXXX and he told them that because I did n't have a physical address on file, they automatically closed the account. He also stated he had tried to call me ( I never received a call ) to obtain my physical address. So my account was closed and I couldnt reopen it and the Regions branch in XXXX, XXXX XXXX to open another account for me but I was so upset I said no. I went to XXXX and opened another checking account. 

A few days later, XXXX XXXX the branch manager from XXXX, XXXX XXXX called and apologized and said it was a lack of communication between himself and another employee. He stated that my account balance would be mailed to me and to this date ( XXXX/XXXX/XXXX ) I have not received a check. I am very upset and if this does n't get resolved immediately, my next step will be to take legal action against XXXX personally and Regions bank. I realize that it is a small amount of money but it is the principal of the matter. I hope Regions does n't do this to many other people. 

I need two things from Regions : 1. My account balance returned to me 2. A statement from Regions stating Regions closed the account so my insurance company will charge off the overdraft charges to my account. 

My current mailing address is XXXX XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX. XXXX
Product: Money transfer, virtual currency, or money service

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 redress For these violations
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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

I had a 2nd mortgage with XXXX  XXXX XXXX until XX/XX/2019, they sold it to specialized loan serving in XX/XX/2019, my payments are due on the XXXX, XXXX  XXXX XXXX ceased accepting payments on XX/XX/XXXX, for the entire month of XX/XX/2019 i made numerous attempts to get my new info from SLS to no avail ... in XXXX of 2019 i received a letter dated XX/XX/XXXX with my info i set up my bill pay and attempted to make payments ... they returned them until i was forced to pay with an ATM card at the end of XXXX, they billed me a {$15.00} property inspection fee XX/XX/2019 i am disputing that as i made all attempts to pay and they were unable to provide and also returned payments. 
is this their mode of operation to take over accounts, hold off billing info then charge consumers fees??? 
i have been disputing this with them for months this company needs to be investigated as i am sure they are doing this to hundreds of customers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX Account # XXXX State of Michigan Child Support- Account # XXXX, XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number XXXX
Product: Mortgage

My name is XXXX XXXX. I have a USDA loan through Stonegate Mortgage. 
I fell behind in my payments, and called in to speak to Stonegate management about it. 
They put me on some type of in house solution. This had me to try to pay XXXX double per month, which was a harder struggle. This was not a good system.. I let them know that it was n't working.. Then they came up with this ( work out packet ) .. This paper work is long and complicated. It required all of my finances, and sense I 'm a retired vet, most of my paperwork took weeks to get.. Well Stonegate said that my time had run to fill out the paperwork, and in that time my home was placed into foreclosure status. XXXX XXXX, auctioned off. I must mention that during the time I was struggling to get this packet filled out, They told me that no payments would be excepted until the packet was filled out and approved.. I feel like I was n't give they proper info or chances to save our home.. I was not told about the programs available for loans like mine.. They never mentioned the Counciling that is available.. Now I 'm being sent notices that a dispossessory has been filed against me. I really need help to save my home ...
Product: Credit reporting or other personal consumer reports

FCRA viloations not my XXXXXXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family not my phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have a XXXX auto loan and it's reporting late payments that should not be there. My due date is the XXXX of each month and I have bank statements as well as loan statements that show my payment was collected and applied before XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Cedit Reporting Act : XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX and XXXXXXXX XXXX account # 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, states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Despite making multiple attempts to request Experian to correct inaccuracies in my personal information on my credit report, I have been consistently met with stall tactics and delays. These tactics have not only caused damage to my reputation but have also deprived me of certain freedoms. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., XXXX XXXX XXXX ( CRAs ) are mandated to uphold maximum accuracy in their reporting. Regrettably, the current state of my report falls short of meeting this requirement. The FCRA is designed to ensure fairness, accuracy, and the privacy of personal information within consumer credit report records. Additionally, Experian continues to list addresses from which I neither receive nor send U.S. mail.
Product: Checking or savings account

Hi My name is XXXX XXXX XXXX wanted to let you know i was scammed by a person and I authorized the transactions but never received anything back from the person. I am a customer of one west bank. My account number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX CA, XXXX. I need my money back because i am a current XXXX  at XXXX and I need my money back from the scammer.
Product: Debt collection

I received a collections letter from  Convergent Outsourcing Inc. l ocated in  XXXX , Washington stating that they are attempting to collect a debt on behalf of  XXXX   XXXX   XXXX . The letter was received in  XXXX    XXXX  . I contacted   XXXX   XXXX   and asked them if I owed any money to them and they stated they had no record of me owing them any past due amount of money.   XXXX   XXXX   asked me to send a copy of the letter I received f rom Convergent Outsourcing and  I never received a response indicating they would take care of the problem. The amount of the debt is {$26.00}. I realize this is a small amount of debt and I am tempted to just pay it and get it over with but there 's no indication from   XXXX   XXXX   that this is a legitimate debt and I do not want to start making payments for something I do not owe.
Product: Credit card or prepaid card

In late XXXX  XX/XX/XXXX I purchased a Vanilla Visa gift card from my local XXXX to use to order XXXX  gifts from XXXX. I put {$150.00} on the card. I had no problems with my XXXX order, but in early XX/XX/XXXX decided I was going to spend the remaining balance, {$73.00} at the XXXX where I had purchased the card. The card was declined at XXXX, and my first assumption was that I had used the wrong pin #. I called the phone # for cust. service, XXXX and followed the steps to clear out my original pin #. I attempted to use the card at XXXX again, and again it was declined. I called customer service again on XX/XX/XXXX and this time spoke to a live person named XXXX. I told her of my situation and she explained that she would have to cancel my old card and send me a new one, which I would receive within 30 business days. I called back on XX/XX/XXXX and spoke with her again and she told me that the 30 business days would actually end on XX/XX/XXXX. XX/XX/XXXX arrived and I still had not received the new card so I called again and reached another person named, I believe, XXXX. She started giving me some excuses, and by this time I was starting to lose my patience with this company so I cut her off and told her that I was done with this company and would no longer be interested in a replacement card, that I wanted a refund check for the {$73.00} mailed to me. She put me on hold for a couple of minutes and came back to tell me she hadn't actually spoken with anyone but had put in a request for a refund check to be sent to me. She said I should receive the check within 10 business days, which by my calculation, allowing for XXXX XXXX  would have been yesterday XX/XX/XXXX. I checked my mailbox today and, more than 8 weeks after my original phone call, I still have not seen either a replacement card nor a refund check.
Product: Credit reporting or other personal consumer reports

I reviewed my Credit report and i found some inquiries which i dont recognize XXXX XX/XX/XXXX TransUnion XXXXXX/XX/XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Debt collection

I've spoken to Credence several times about my financial situation yet they continue to contact me daily from several different numbers ( XXXX. ) On XX/XX/XXXX I was in contact with them stating I wouldn't be able to pay until XXXX. Several times they'd stated if I didn't pay they'd go ahead and harm my credit. Along with this they also continued to call after making an agreement that I'd pay the full balance in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account on my credit report that do not belong to me. Please remove it in its entirety.
Product: Credit card

It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out.