23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells fargo has lost my paper work for over 5 years for a loan mod. They are now foreclosing on me and I have no other choice but to sell. But they are not letting me sell. they are foreclosing! I have asked them for a HAFA short sale but they are selling my home. I have attached my hardship letter and other documents for your review. I would like to be at least considered for a HAFA short sale. It has taken them so long they want me to pay for their mistake in loosing my documents for what I got behind with. it 's their fault. I have a real estate agent who listed my home yesterday. 

Please help me.
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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions
Product: Credit card

On XX/XX/2023 I bought tickets using my recently approved XXXX XXXX XXXX issued by Banco Popular de Puerto Rico. One of the supposed benefits of this credit card is having the first free bag ( and for up to 4 companions ) with each flight purchase using the credit card. Unfortunately, during and after making the purchase in XXXX website I DID NOT have the free bag. I called XXXX customer service and they informed that even if I used the XXXX XXXX XXXX, this benefit is NOT available due to several reasons ( because I am resident of XXXX XXXX, serious issues between XXXX and Banco Popular de Puerto Rico, etc... ). This card has an annual fee of {$99.00} and now I DO NOT have the free bag they offer by having this credit card. I called to Banco Popular de Puerto Rico and they say that they have a " unsolved struggle or a difference '' with XXXX and that a lot of customers encounter that they DO NOT have the free bag they offer. Now I have this credit card with no free bag as advertised and do not trust anymore in Banco Popular de Puerto Rico. They just say that there is a claim in process and that it could take up to 90 days to try to resolve my issue. I consider this is NOT fair. Banco Popular de Puerto Rico has a very poor reputation in the XXXX. I have people near to me that claim having exactly the same issue of NO FREE BAG. I please ask you to investigate this misleading staff of Banco Popular de Puerto Rico and the non-compliance of the credit card terms. 

Attached you will find the XXXX XXXX XXXX XXXX and Benefits. In addition, you will find the Claim # they created for me with a XXXX wait time to try to resolve the claim. Unfortunately, Banco Popular de Puerto Rico is advertising that this credit card ( annual fee of {$99.00} ) has a free bag benefit but we as customers are NOT having this benefit at the time of purchasing XXXX tickets through the different ways ( online, telephone, etc... ).
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

On XX/XX/XXXX my account was withdrawal for {$270.00} ; The transaction was done on XX/XX/XXXX at BMO Harris bank at XXXX XXXX XXXX XXXX, IL,XXXX XXXX. ON XX/XX/XXXX, I tried to pay something and they informed me that my account had no enough founds to cover the transaction. I checked my bank transactions online and I saw a " REQUESTED WITHDRAWAL " transaction for a total of {$270.00}. I called the bank and they explained me that someone in a different county, same estate of Illinois withdrawal money from my bank account and t " by mistake '' the bank took the money from my account instead of his account. Bank customer service rep. told me that they do not know how that happened and they offered me to refund the money but it will take 2-3 business days. As well they recommend me to go to my branch, spoke with the manager in the branch close to my residence and they will talk to the manager in XXXX branch to " tried '' to correct my account and deposit the money into my account as soon as they can. I asked her what will happen with the payments I had schedule to be withdrawal from my account in the following dates, because those will be rejected it due to no money in my account. She said that they will not charge me an overdraft " if '' they accept one of those payments, but since I had no money in my account, then no one of my payment will be through. That answer do not help me at all, as a result of his error and lack of problem solving at the moment, I will end up with a ton of fees in my end with a different institution that I owe because the payments will not going through. Regardless that they will return my money, this situation extremely concerns me, how is possible to release money to someone that is not even the same sex or nationally as the account holder 's name or picture ; how is possible that the bank will charge me for late fees as quick as next day if I withdrawn my account, but instead, if they make an error they will take all the time they want and leave me with no money for payments that I need to make, in addition with a bad record in my credit report, adding my stress level up to the roof because of a bank error which is not even reasonable or credible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts. 

XXXX. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. US DEPT ED Account # : XXXX XXXX. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.
Product: Checking or savings account

This is a follow up to complaint XXXX CFPB closed the complaint after the company refused to open an account for me and refused to tell me why other than unspecified " irregular activity and/or security concerns. '' Clearly these aren't real concerns. If they were real, they would tell you or me what they are. I have a right to know if someone believes I've done anything wrong. If it's based on a faulty credit report, I can get that corrected. If it's based on defamation, I can take civil action. 

Most likely, the bank simply failed to do its job and made up a reason. The fact that they used " and/or '' tells you it's a form response and not a specific answer. 

I want a specific answer. And if they won't tell me, they should tell you. 

Why wouldn't they open the account? 

What " irregular activity '' do they think they know about? What was it? What was their source for it? 

What " security concerns '' did they have? What was it based on? Did someone on the dark web have my name and password. What is it? 

If someone has committed identity theft on me, I have a right to know about it, so I can report criminal activity to the proper authorities. 

As it is, the bank simply refuses to open an account for me and refuses to say why. 

I also want to know if they are taking retaliatory action based on my complaint with you, the CFPB. 

I did call them several times and warned them I would file the complaint with you if they wouldn't tell me why they wouldn't open the account. 

Doesn't he CFPB have power to require the bank to either open the account or tell me why they won't? 

Please do not close this complaint unless and until the bank answers with specifics as to what's going on here. If my financial standing is in jeopardy, I want to know why. If there is some false record about me in some secret file, I want to correct it.
Product: Debt collection

As of XXXX of 2023, I have a unknown debt collector by a company name Paramount Capital Group with the amount of {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a paid subscriber of XXXX for awhile, and these 2 collectin accounts are showing with no name & no address just a balance. I have challenged these accounts for several months with Equifax and they come back as mine as well as reported the accounts and Equifax to you the CFPB last month and Equifax said hey would  send coorespondence on XX/XX/XXXX and I never received anything! I called them 2 weeks later and they didn't know what I was talking about ... 

I am a victim of Idenity Theft I have contacted XX/XX/XXXXsenveral times and each time they say they will transfer me and the wait is always 30 minutes or more and they offer a callback and I never get one..

It is illegial for accounts to sh
ow without their own contact information and creditor name as well.
Product: Checking or savings account

On XX/XX/23 I opened a new money market savings account with FIRST HORIZON due to a promo rate special they are currently offering ( 5.38 % APY ). When I view my account online it shows the current interest rate as .6 %, not the higher promo rate. I called to question and she said that's just how the system shows it and she sent me an email stating the correct rate. So now I have an email, but their system is wrong. Can I trust them to calculate the interest correctly? 

Is that legit? They push you to do online and go paperless, but the system doesn't reflect correctly? Can I trust this bank?
Product: Checking or savings account

On XX/XX/2023 at XXXX money was taken from my account by a company named XXXX. I have never came in contact with this company whatsoever. So at XXXX {$180.00} was taken from my account. At this time I was at XXXX and I swiped my card at XXXX. I was notified that money was taken from me from spectrum. I drove home so I could get in contact with my bank which is Chime. Before I made it home another {$180.00} was taken out. By this time I made it home and I called chime to dispute these transactions and to lock my card. As Im on the phone with chime {$500.00} was taken from me! I was panicking on the phone because I didnt understand who and what was taking my money right before she locked my card {$110.00} was taken out! So I filed a dispute and the lady told me that I would be getting an email from chime support that never came the next two days. So I called them I emailed them several times trying to get my money back which was {$980.00} total. They told me I had to wait 45-90 business days before I could get my money back due to an investigation. I have proof of where I was at at the time and what I was doing so how could I be the one spending the funds? On top of that it says that its a internet and cable company. A internet and cable company would not make 4 different transactions if it was real. Im a single mom with no money, no place to go, and hungry! Im begging you guys to please help me get my funds back please. I even looked up the number on the internet and it stated that the number was associated with fraud and I have proof of that also.I have the times when I was on the phone with chime when money was taken out also. I can not wait 90 calendar days for my money back Im in need now and it has caused me and my family so much stress. If you guys need more information my number is XXXX and my email is XXXX thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX MULTI PRODUCT XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX. 
XXXX XXXX 2022 XXXX XXXX. 
XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX 2022 XXXX XXXX XXXX 2022 XXXX XXXX XXXX XX/XX/ 2022 2022
Product: Debt collection

On XX/XX/XXXX, I received a robo call stating that they had attempted to send me documents and that it was urgent that I get in touch with them immediately. I picked up the call and was immediately connected with a woman who claimed to be from fjs global, a collection agency in Wyoming. This person claimed that I owed a debt to XXXX XXXX credit card company from XXXX ( the statute of limitations is 6 years ) and if I did not satisfy the debt, they would file a lawsuit against me for " maliciously defrauding a financial institution. '' This is not a civil cause of action in my home state, but sounds very close to a criminal law. Of course, private persons do not " sue '' others for violations of criminal law, but I was emotional and did not consider this at the time. Off balance, I provided them with my email address and they sent three documents to me. Each email had a suspicious looking acknowledgment of receipt button that I decided not to click. 

Yesterday, I received the documents for a second time with the statement that I had failed to open them previously. Today, I received a message on my voicemail from someone in California claiming to be with " document delivery services '', asking me to confirm my home address or to contact the original person and gave two phone numbers. 

Since the original person referenced a debt from XXXX, I searched court records and found that two judgments had been entered against me by default on behalf of XXXX XXXX in XXXX and XXXX for small amounts. However, the law in my home state provides such judgments become dormant and unenforceable after 7 years unless they are extended. I further searched court records and found these judgments had not been extended. Therefore this matter was resolved in XXXX and the subsequent judgments expired by XXXX. Any legitimate debt collector would know that the original debt could not be sued on a second time and that the judgments were no longer enforceable. Therefore there is no legal action that they could legitimately take with respect to those debts. 

All the red flags convince me that this is a scam by someone perhaps impersonating a real debt collector or perhaps simply an unscrupulous debt collector engaging in unlawful activity. I was affected by data breaches in XXXX and XXXX and my information has been detected on the dark web, where scammers could have purchased it. 

Although this form does not permit me to upload the emails, I can forward them to the cfpb if needed.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Credit Inquiries on My Credit Report FTC Identity Theft Report Included To Whom It May Concern, I am writing to dispute fraudulent credit inquiries that have appeared on my TransUnion credit report. I am a victim of identity theft and have filed an FTC Identity Theft Report, which is enclosed for your reference. 

The following inquiries were made without my authorization and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of these unauthorized credit inquiries from my credit report. These entries were made without my consent and are a direct result of identity theft. 
I have enclosed the following documents to support my dispute : 1.A copy of my FTC Identity Theft Report FTC report number ( XXXX  ) 2.A copy of my government-issued identification ( e.g., drivers license ) Please investigate this matter and confirm, in writing, the removal of these inquiries. Additionally, I request that you place a fraud alert on my credit file to prevent further unauthorized activity. 

Thank you for addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX BANK ACCOUNT # XXXX AMOUNT {$XXXX} XXXX  XXXX BANK RAN THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT HAVE BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECT. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECEIVBED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OFTHAT THIS ACCOUNT IS NOT ACCURATE AND SHOULD SHOW A XXXX BALANCE.
Product: Student loan

Today Monday XX/XX/2021 a company called Summit Horizon Financial Services contacted me about a Student Loan Forgiveness program who can lower my loan payments to reduce the balance. They accessed my studentaid.gov account and had my total balance amount, last four numbers of my social, and the name of my loan servicer. This all seemed legitimate until they began to ask for my credit card number and requested an electronic signature on a service agreement for the monthly payments. Everything happened as I was trying to search online if this was legitimate or a scam. Only after the call was complete I realized this was a scam and they had charged {$700.00} to my XXXX XXXX Master Card. I then called XXXX XXXX to report the transaction as a scam/fraudulent charge which they will investigate and temporarily credit. Then I contacted Studenaid.com who also confirmed this company was a scam and not affiliated with them, I then changed my password for my Studenaid.com account. They suggested I contact my loan servicer who have noted this scam on my account. They then suggested I contact CFPB who then suggested I contact the Dept. of Education. Although all companies have been made aware of this scam my concern now this Illegitimate company has a service agreement I electronically signed and may use it against me to receive the payment of {$700.00} I have blocked. I hope that is not the case and they do not receive any money!
Product: Debt collection

They charge this account off and they and written this off on their taxes profit loss. I need to request a copy of a 1099c
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL STATEMENTS # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX 2collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
6inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 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. 
This XXXX debt has been satisfied. Also I never owned this debt. This is under XXXX $ also so it should not still be being reported onto my consumer report. 
This reinvestigation has be more than 60days
Product: Vehicle loan or lease

Sensible Auto refuses to send me my car title, and Release of Lien for car vin XXXX and Certificate of title number XXXX after car was paid in full and Sensible Auto sent me a 1099C Cancellation of debt under code G giving me full ownership of this car. This car is under a active UCC1 filing ( Meaning I have a lien on this car via the state of NJ ) as well as placed in a Trust account