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

All these were hard inquiries that i did not authorize and need them removed i have worked hard on getting my score to Fair and these inquires have put me back to 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 Can you please give me assistance in these that are making my life harder than it has to be. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Date : XX/XX/ Amount : {$1500.00} I transfered this amount to the seller in XXXX to buy a game account from him. He blocked me and Remitly refused to refund me
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 student loans for my 2 XXXX  Degrees i had in my reports that i do not have to start payments until XX/XX/2016.

In XX/XX/2016 i started receiving calls from XXXX XXXX and XXXX XXXX saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX  XXXX   would not remove these late payments and they continue hurting my credit
Product: Money transfer, virtual currency, or money service

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 E.
Product: Vehicle loan or lease

Around XX/XX/XXXX i contacted Wells Fargo auto loan dept and asked them why maturity date has been extended form XX/XX/XXXX and why do i have some much extra fees and if they can send me a payment history since i began the loan in XXXX of XXXX my payments were XXXX and i have been paying ever since my interest rate was locked in at 5.890 % they constantly have hit me with late fees and refuse to send me payment history through out my loan
Product: Debt collection

I had disputed my information to XXXX Credit Reports from Santander Consumer USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score as portrayed by the bank shows I have a good credit score and the XXXX XXXX reports a XXXX which is a misrepresentation of my credit score
Product: Credit reporting or other personal consumer reports

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, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit file from XXXX XXXX on XX/XX/2021. 
I do not recognize this company and never dealt with such a name. 
They have an address of XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I called the phone number, someone answered and said He is not affiliated with this company and has nothing to do with such a name and asked me to report the incident as a scam.
Product: Credit card or prepaid card

All my XXXX benefit funds go to the Comerica bank card issued by Direct Express. I lost my card and requested a new card on XX/XX/XXXX. They claim DE issued a replacement card on XX/XX/XXXX, which should have arrived no later that XXXX calendar days from XXXX XXXX. It is XX/XX/2023 and I do not have a card, so I have no money at all. 

I called on XXXX XXXX and asked for help transferring money from Comerica to my local bank, where I recently opened a checking account. I tried using their phone system, but I found it very difficult to navigate to get money transferred. It says on their web site it is easy to transfer funds. I would counter that is almost impossible to do any kind of transaction other than checking your balance with Direct Express by phone or online.

Since Social Security 's website directed me to Direct Express, I was expecting a competent and honest company. That is not what my experience has been. I will be cutting off my use of their services, but I think with all the class action lawsuits against Comerica and Direct Express, it is high time CFPB intervenes and at least warns folks without a credit union or bank account to find another method of receiving funds from federal agencies, especially the XXXX
Product: Debt collection

American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX {$160.00} I have notified American Express that I am not paying this account. Under Federal Law 15 USC 1692c, American Express and XXXX are required to delete this collection. They have not deleted yet.
Product: Mortgage

I am XXXX and have worked hard to not have a Mortgage payment paid late in over 3 years.I plan on buying soon. XXXX XXXX XXXX and US Bank refuse to redeposit an ACH which was returned in error due to a stop payment placed months ago on another payment and they referenced it.

On XX/XX/XXXX I had to put a stop payment on a ACH payment with XXXX XXXX XXXX for a US Bank Home Mortgage Payment, as it was for the wrong amount. We submitted another payment right after that with US Bank Home Mortgage during the same month for a different amount for that XX/XX/XXXX payment. It went through fine.

On XX/XX/XXXX we put through another mortgage payment for the Mortgage with US Bank, it went through my personal account fine. This morning XX/XX/XXXX it was withdrawn from my account the mortgage wasn't paid. There was money to cover it in the account.This will result in a 30 day late on my good credit.

Bank of America puts a permanent hold when you stop payment to that company an it was for that amount -the same as the original stop payment -- so you are in trouble as its the same amount and as it will be returned into the future until you remove it.

I called both companies spoke to XXXX ( who took the hold off ) then to a supervisor XXXX with US Bank on the line with me. US Bank asked XXXX XXXX XXXX to put the ACH threw again so it would not hurt my credit. But they refused to do it. The hold times with XXXX XXXX XXXX for people who work are unbelievable.45 minutes to 1 hour where is someone needs to reach them they can not if they work or have their own business.

I have paid my Mortgage each month for over 3 years and this was out of my control as XXXX XXXX XXXX returned the Mortgage due to the last Stop payment on the ACH and US Bank will not put it through again nor will XXXX XXXX XXXX. The reason is they like the fees with customers who have damaged credit as every loan they supply is at a higher interest rate. I need this corrected and they refuse to discuss it I have called 3x to each entity.
Product: Debt collection

THERE IS A COMPANY/DEBT COLLECTOR, CAVALRY SPV I , LLC. THAT BOUGHT THIS OLD DEBT IN XXXXAND THEY ARE TRYING TO COLLECT. THEY ARE USING XXXX XXXX XXXX , XXXX ATTORNEYS AND COUNSELORS AT LAW TO TAKE ME TO COURT TO SUE.THIS DEBT IS FROM XXXXTHEY TOOK ME TO COURT ON XXXX XXXX TO GET MY PAYCHECK GARNISHED. I'M WONDERING WHAT THE STATUTE OF LIMITATIONS ARE ON AN OLD CREDIT CARD DEBT IN INDIANA. I ASKED THE JUDGE AND HE DIDN'T SEEM TO MUCH ABOUT THE STATUTE OF LIMITATIONS. I ASKED THE COLLECTOR WHEN THE LAST PMT. WAS MADE AND THEY ADVISED THAT DIDN'T KNOW. I ASKED THIS COLLECTOR IF THIS OLD DEBT IS TIME BARRED AND THEY SAID THEY DON'T KNOW.I ASKED THE JUDGE IF THIS DEBT IS TIME BARRED AND HE DIDN'T KNOW.THIS IS OVER 7 1/2 YEARS OLD. MY UNDERSTANDING OF THE STATUTE OF LIMITATIONS IN INDIANA IS 6 YEARS ON A CREDIT CARD DEBT, AND TIME STARTS AT THE TIME OF THE FIRST DEFAULTED PAYMENT OR THE LAST PMT. RECIEVED.WHICH THERE WASN'T ANY. I KNOW NOTHING ABOUT COURT AND ALL I KNOW ABOUT THE STATUTE OF LIMITATIONS IS WHAT I'VE READ ONLINE. PLEASE HELP, THANK YOU.
Product: Mortgage

Each week, I receive notices from various mortgage companies making me offers to refinance my mortgage. They make it appear as though it is coming from my mortgage company - for example the letter is addressed to me, and the return address is my mortgage company, but it is not my mortgage company. 

For example : Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Nationwide Multistate Licensing System and Registry # XXXX.
Product: Credit card or prepaid card

Hello, I have fraudulent charges reported to the Citi Visa Card and no actions were taking by the card issuer. I did report stolen credit to the CITI back in XX/XX/XXXX, also police report was filed with the local police department and somehow charges for {$16000.00} still listed on the statement. Please see those charges below : XX/XX/XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Certainly! Here 's a draft for your CFPB complaint regarding Ally and your car loan : Subject : Complaint Regarding Inaccurate Credit Reporting by Ally Financial Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally file a complaint against Ally Financial regarding inaccurate and derogatory information they have reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

Ally Financial has reported four derogatory marks on my credit report, which is incorrect. I have consistently been current with my car loan payments and have made all payments within the required time frame. These inaccurate entries are unjustly damaging my credit profile and do not reflect my actual payment history. 

I have contacted Ally Financial directly to dispute these errors, but they have failed to correct the inaccurate information. Since the FCRA mandates that furnishers of information report accurate and complete data to credit reporting agencies, I believe Ally Financial is not in compliance with these regulations. 

This incorrect reporting has caused me unnecessary stress and hardship, as it has negatively impacted my XXXX XXXX and financial standing. I request that CFPB investigate this matter and ensure that Ally Financial corrects the inaccuracies and removes the erroneous derogatory marks from my credit report. 

Thank you for your time and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed 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 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 TRANSUNION 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
Product: Credit card or prepaid card

Wells Fargo closed my credit card accout without notice. 

I submitted a CFPB complaint and they responded stating it was due to 3 failed external transfers and no minimum payment done.

Response was well written and executed, but Wells Fargo forgot to mention that I went in to a branch personally to SATISFY the months payment in cash since I knew the external transfers where going to bounce since they had been done in error. 

They also forgot to mention that I called Wells Fargo customer service number explaining this and the representative REMOVED the FREEZE from the EXTERNAL ACCOUNT they supposedly closed my account for. ( Phone Call Recording Should Confirm This )
Product: Credit card or prepaid card

XXXX : I was signed up for overdraft protection which was tied to my XXXX  checking account. I started to see charges on my credit card statements in XXXX XXXX for cash advances that I did NOT make. I called in and was told these were for the overdraft protection and no clear resolution was made. 

The charges appear as XXXX overdraft protection. 

Now, XXXX XXXX, XXXX, I noticed that charges again and called the bank. It seems that is almost every month in XXXX, the over draft charges were made, and showed up as cash advances on my credit card. Thus, the bank is basically saying that my auto payments from my linked checking account showed an overdraft and thus the payments to my credit card were actually made by a cash advance from that same credit card. Complete lunacy!!! 

The issue is that I have always had money in my checking account, except for once, XXXX XXXX, but that was a banking error and the balance was restored the very next day. Thus, I'm now showing cash advance balance of over {$4900.00}, with daily interest charges! This is totally erroneous. My bank has always had enough money in the account for the payments. It is just that when I use auto pay - they debit it like an over draft and I'm made to pay for it! 

I refuse to pay for this. They are stealing money from me, regardless of the what the agreement says. I was never made aware that my account was below zero because it wasn't below zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to place disputes on my credit via fax to Experian, Equifax and TransUnion. Online and on Myfico, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition https : //www.experian.com/consumer/upload/ NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.
Product: Credit reporting or other personal consumer reports

This is a fraudulent account with Community Bank # XXXX, i make a request for this account validation and Victoria Secret could not validate this account as mine as FCRA says..
Product: Bank account or service

At horrible dual charging complaints against Chase Bank and XXXX XXXX XXXX, so I do not like XXXX XXXX XXXX continually due of unfit resident of Oregon in facing rough with horrible complaints report to U.S. Senators and Speaker XXXX XXXX. I complain against Chase Bank that he did not show up and did not bring XXXX XXXX XXXX to XXXX XXXX XXXX and discuss with me in banking issues and I did not happy applied with For new Chase checking customers ... {$150.00} When you open a CHASE TOTAL CHECKING ( R ) account* & set up direct deposit** that I do not want alone going to Chase Bank , understand clearly! I did not get {$750.00}. I am really mad at Chase Bank that XXXX XXXX official with high-position did not show up and did not bring me to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had an issue with Regions bank that required I contact them to stop payment on an outgoing check. This caused a horrible headache in which they refused to listen to me and allowed the account to be charged 5 times in a row, so they could collect multiple overdraft fees. 

I contacted CFPB at that time, and the charges immediately stopped, as did the overdraft fees. However, now my account is heavily restricted and I can no longer link the account with online services like XXXX. In fact, this is preventing me from paying my bill to XXXX XXXX 

This is clearly retaliation for the previous CFPB issue. Every time I contact customer service at Regions, they just tell me they can't provide me any more information on the issue. Effectively, they have closed my bank account, allowing money in but not out.
Product: Debt collection

I hired a Attorney to defend me in a civil case. 
Attorney Charge {$3000.00} I pay {$1500.00} in one payment and {$100.00} dollar payment. I made 5 payment. I called the Attorney to find out who the case was going and he never provide me prove, nor case was file. Attorney told me my case never made it to court and I ask him for prove of his work, he refuse to provide prove. 
I told the attorney. No case to continued no more payments to his office. 2 year later I get calls from a collection agency that I had a Medical collection to pay. I get calls at home and recordings that I should make payments or they will take me to court. Recording disclose I should call investigator on this case, or I will be prosecuted. I called AARGON AGENCY time to find out is the collection agency making the calls. Collection agency is going after me for a medical collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I checked my Equifax credit report and noticed that my credit score decreased by several points due to a recent change. Upon checking the alerts, I noticed that several accounts that had been deleted from my report were added back on to my Equifax credit report. I then went on to check XXXX and XXXX and saw that they did not do this. This was clearly a problem specifically with Equifax. I called Equifax and spoke to a representative who informed me that there is nothing she can do and that Equifax is not the source of the problem. I would also like to mention that I never received a 5 day notice of any items being added back to my credit report. This mistake caused by Equifax has caused my score to decrease and has also re-aged the accounts that were at one point removed. I demand that Equifax remove these items from my credit report AGAIN and keep them removed as they have caused enough damage.
Product: Mortgage

I have been trying to contact an agent from my mortgage finance company or bank, XXXX XXXX, several times ; but I have not been successful in reaching any live person. Every time I called the bank, I hear a tone and there is not an option to leave a message as voice-mail. I have not sent any communication via regular mail as it is impossible for me to know exactly or confirm the correct address to send mail. My issue involves or are related to my escrow payments as I have many concerns that my payments have not been applied properly. This is causing me financial harm and injuries and I need speak to someone at the above bank to solve this matter as urgent as possible. 
History of Phone calls made to above bank from me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX credit card sent me letter to confirm XXXX disputes I have costing more than {$600.00} total taken from my acct. They state after investigation they are going to credit my acct. Ive called several times cause I never saw credit & asked for proof of credit. Kept getting the run around. XXXX  has taken out {$13.00} a month from my acct from XXXX XXXX XXXX for service to an XXXX XXXX that I cancelled service to in XXXX. When the co changed hands from XXXX to XXXX & transferred my acct to XXXX in XX/XX/XXXX, is when they started charging me for XXXX service. Whereas XXXX had it cancelled properly. I complained & explained that I dont even have a XXXX  SIM card to use the watch which should prove that u didnt have or want use of it. I have letters showing that acct is inactive but they wont reimburse me. 
Wilshire Consumer Credit has misreported deragatory info to credit bureaus XXXX times. Ive contacted them about mistake but was not helped. XXXX XXXX XXXX XXXX XXXX XXXXXXXX has reported deragatory info to my credit bureaus & have stated I live in CA which is showing now on my credit. When I tried getting credit in XXXX state where I live, theyre telling me my credit report shows I live in XXXX so Im denied.
Product: Debt collection

XXXX XXXX XXXX XXXX 's collections accounts are fraudulent attempts to collect on behalf of Vystar Credit Union. I have never done business with Vystar Credit Union or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is attempting to collect two separate debts that originated from Vystar Credit Union. One in the amount of {$3000.00}, and the other in the amount of {$2600.00}. The amount of {$3000.00} suspiciously matches my federal tax refund. My information was also leaked as part of an XXXX XXXX XXXX  data breach. The collection shows up only on my XXXX credit report. All accounts are paid in full and current. This is a fraudulent attempt to collect on an account that I have never had. I do not have a corresponding account number because I have never had an account with these businesses.