23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My family and I went to XXXX 's and spent {$53.00} the machine was not work and my card was ran 3 times. Causing XXXX transactions for {$53.00} and a charge of {$1.00}. At the restaurant the machine continued to say that the charge did not go through, so I paid in cash. On the back of the receipt the manager wrote Paid w/ XXXX  XXXX  XXXX swipe at XXXX XXXXXXXX {$1.00} charge fell off in pending. The XXXX charges of {$53.00} posted to my account. I Disputed the transaction with Wells Fargo on XX/XX/XXXX or XX/XX/XXXX. The XXXX charges of {$53.00} were placed back into my account XX/XX/XXXX. On XX/XX/XXXX the two charges of {$53.00} were taken back out of my account. When I called to see why the money was taken out, I was told I needed to send them a copy of my receipt, which I did. I was told that they are not able to see the receipt and I should go to a branch. The branch told me they would send it the same way I did. The escalation team called me saying they could not do anything for me. I was told that maybe I should take the receipt to XXXX to fax it to them. Wells Fargo is asking me to run all around town to do work for them instead of helping me get my money back.
Product: Credit card

I recently paid off a credit card that I had with Capital One. I noticed via my online account that the payoff amount was n't posting to my account even though it was withdrawn from my bank account the following day. It took over a week for Capital One to post my payment. Other payments in the past posted the following day. This one however did not show posted for six days. That was enough time for Capital One to then charge me XXXX dollars of interest, which I noticed today. When I asked for the 2nd time why they were holding the payment, which they had never done before, I was told they do that sometimes. I asked what are reasons for doing that sometimes and not all the time? I was not given an answer. 
The person kept repeating themselves as if they were a robot. The super- visor did waive the interest charge but would n't answer my questions as to why my payment could be held for an amount of days " sometimes '' and other times not. I feel that when payments are made to accounts to pay them off, they hold those funds and do n't post them to the account for a number of days so interest can be charged.
Product: Mortgage

Hello- rather than describe the chronology of events, I will refrain from stating the loan servicer and lender 's federal and California state laws violations and respectfully defer CFPB to the enclosed and undisputed self-explanatory documents that speak volumes. 

My husband XXXX XXXX and I IMPLORE CFPB 's URGENT INTERVENTION in HALTING the scheduled foreclosure and auction this Thursday, XX/XX/year>. I have been down for weeks from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( enclosed ) and XXXX XXXX  this past week and apologize for the delays in reporting SPS, XXXX and XXXX XXXX XXXX and their emails are shown in the enclosed documents and phone numbers are as follows : SPS Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPS 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

Last Fall, I became aware of a company claiming I owe money on a telephone bill that is not mine. They were making derogatory reports to credit agencies. On XX/XX/XXXX, I challenged that company - XXXX XXXX XXXX - to prove this alleged debt was mine according to to the Fair Debt Collection Practices Act, something which I knew they could not do, and once they could not, that they would have to desist their activities. They sent me an invoice, pretending that this constituted proof of a debt. On XX/XX/XXXX, I responded with a Cease and Desist, with which XXXX XXXX XXXX failed to comply, so I filed a first complaint with FCPB where I prevailed. I forwarded all of this information to the alleged debt originator, XXXX, informing them that if it truly was them who was alleging this debt, they or their agents must comply with the law. The issue seemed successfully resolved. 

In XXXX of XXXX, I was contacted by Convergent Outsourcing, Inc. alleging a debt with XXXX. On XX/XX/XXXX I replied with an immediate Cease and Desist, informing them of the past events and that they and their alleged originator were still bound by the prior Cease and Desist and the findings of the FCPB. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. claiming that they had " resolved my dispute and confirmed my debt '', once again submitting the unacceptable and illegal use of a simple invoice in lieu of the legally required signed document or court order - which of course does not exist - even though they had been served a Cease and Desist and not a dispute, and had already been informed that I was fully aware that an invoice was not proof. Moreover, any legal and legitimate collection agency would know that an invoice does not constitute proof of debt under the Fair Debt Collection Practices Act.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I took out a {$700.00} installment loan from speedy cash. I made payments every month for about 6 months and my balance just kept going up. I tried to talk to speedy cash about it but they just told me that there was nothing they could do and I still had to make payments. They even reported wrong on my credit report. The date is listed for XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Experian removed the the fraudulent accounts from my credit report upon my request but they didnt update my credit file & then reopened the investigation making me start the dispute process all over again this is civil non-compliance & civil negligence these are when companies choose to violate your rights & when your telling them hey this information is inaccurate & unverifiable & their choosing to tell you its accurate. 15 usc 1681o I will initiate arbitration
Product: Checking or savings account

I filed a previous complaint : COMPLAINT ID XXXX. 

The bank refunded the monthly fees that were charged over a 12-month period. However, the action was a violation of 15 USC 193e- Preauthorized transfers. The banks policy to charge accounts that dont meet the dollar amount of deposits, did not give them permission to access my account and take out a monthly maintenance fee. 

I did not give the bank preauthorization to electronically take a monthly maintenance fee from my account. I have listed the appropriate Title 15 codes that substantiate my claim that I am entitled to treble damages. The bank is liable for acting without authorization and should pay the treble damages. 

Pursuant to 15 USC 1693e ( a ) A preauthorized electronic funds transfer from a consumers account may be authorized by the consumer only in writing and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. ( b ) In the case of preauthorized transfers from a consumers account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer in accordance with regulations of the Bureau, of the amount to be transferred and the scheduled date of the transfer.

Pursuant to 15 USC 1693f ( b ) Correction of error ; Interest. The bank did not provide me with a copy of a wet signature or anything in writing that gave Bank of America authorization to take money from my account.

Pursuant to 15 USC 1693f ( e ) ( 2 ) Treble damages. ( 2 ) the financial institution knowingly and willfully concluded that the consumers account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation. Then the consumer shall be entitled to treble damages determined under section 1693m ( a ) ( 1 ) of this title.

( f ) Acts constituting error. For the purpose of this section, an error consists of- ( 1 ) an unauthorized electronic fund transfer ( 6 ) a consumers request for additional information or clarification concerning an electronic fund transfer or any documentation required by this subchapter.

I am requesting that the CFPB review this information and request that the bank pay treble damages that I am entitled to in order to fully resolve this matter. 

Thank you, XXXX, XXXX XXXX.
Product: Mortgage

XX/XX/XXXX, XXXX-6 month forbearance was ending. 
No documented correspondence that I requested 6 month extension of Forbearance. 
1st loan modification application sent in XX/XX/2022 Loan modification denied on XX/XX/2022 because of incomplete paperwork. 
Requested documents required by XX/XX/XXXX. 
Foreclosure began on XX/XX/2022. 
Foreclosure filed in court on XX/XX/2022. Lawyer asked for an accelerated default judgement.
Product: Debt collection

In the year of XXXX I randomly received a letter from Capital One regarding a Capital One 360 Checking account. I was immediately scared and thought I was a victim of identity theft. I have NEVER opened a Capital One Checking account. The is account with my name and address on it seems to have a negative balance of - {$490.00}. I called Capital One using a phone number listed for them online and not the one on the letter itself. I also assumed this could be a phishing letter or scam letter. But, when I called them, after some searching they did find an account they feel is mine. This account they found is NOT a checking account at all. It was a very old and charged of account from ING an old online banking savings account that was opened in XXXX, assumed charged off and closed by me. I recall the collection process ended smoothly as I was deemed Mentally Disbaled by Social Security SSDI and 100 % of my income was non collectible by law and I did not have the funds to repay that debt. I never heard from ING again. That very old ING account has already fallen off my credit report many years ago. I sent a cease and desist letter to Capital One, they admit having it on file in relation to the bogus Checking account someone created using my name and information. I have received quarterly statements for over 1 full year now, made many phone calls to them pleading they stop sending me these statements and demanding they CLOSE this or any accounts that are NOT mine. Several times I was told they would take care of it. The cease and Desist letter was received in XX/XX/XXXX and I got another collection letter on XX/XX/XXXX for XXXX XXXX XX/XX/XXXX. The account is still listed as OPEN. I never had a checking account with Capital One. If they have acquired old ING accounts I have explained that account was Closed and charged off a long time ago and that they can't try to collect on another companies already charged off debt. I demand this fake Capital One account be CLOSED since I never opened it and I want these fake statements to stop coming to me in the mail. It is XXXX and they say the ING debt was charged of in XXXX, its not a debt to them and it is beyond collection time on this old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Equifax has illegally and repeatedly placed false and erroneous items on my credit profile that they know do not belong to me. A representative on the phone admitted that this fraudulent account had been removed before and was somehow placed back on my credit report.
Product: Mortgage

AmeriHome has a mortgage under my name in their online system that is not mine. I am not the homeowner. I do not live at the address. I am getting emails about this loan and I cant get the company to remove the loan from my profile online. Please help me as I have no loan with this company. My loan was paid off in XXXX.
Product: Mortgage

XXXX who is not doing anything they are sued for taking people home fulse foreclosure everything they do is only a road to take people home. 

I get hundreds adds every month lazy unsuccessful real state agents cricket attorneys who want to pay cash for my home its stressfull I hate checking mail my XXXX XXXX is constantly high
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I did not authorize. I have no association with the listed creditor and did not apply for any credit or services from them.
Product: Money transfer, virtual currency, or money service

Put money into blockchain.com on XXXX XX/XX/year> $ XXXX equivalent to $ XXXX. 

They have never allowed me to redraw or transfer the money out. 

I've repeatedly sent identification and gone through there verification processes time and again. 

This company and it's ongoing illegal behaviours must be stopped. 

Please help me in getting my money refunded. 

XXXX regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have gotten a loan from XXXX financial to purchase a Van, However in late XXXX my bank account from where the payments were made was closed. I called XXXX and gave them another bank account and a card number to make a payment but they couldn't do it. My XXXX account online did not let me make payments and I have made several calls without success. My only option is to send them a money order which was successful at first. 
In XX/XX/XXXX, my bank sent them a payment but it was rejected by XXXX, so I send them a money order and they rejected it as well and issued refund by check which I did not cash. 
Somehow in XX/XX/XXXX they accepted a payment sent from my bank and again payments sent for XXXX XXXX and XXXX kept getting rejected. I tried resolving the matter directly with them by sending them letters, faxes and phone calls but they refused and did not do anything. When I call to discuss they will put me on hold for and extended time just to transfer me to an IT department or some other department. Finally, my payments for subsequent bills were accepted after they tried to repossess the van but were not successful. Now, in all the months they were rejecting the payments, they were charging me late fees and reporting late payments to the credit bureaus. I am up to date with all the payments except the late fees they charged me. 
I need your help on this matter as the calls, letters and faxes have not resolved anything with XXXX. 

Thank you
Product: Mortgage

My loan is currently overdue. I have been trying to work with Wells Fargo to resolve its overdue status. Wells Fargo has refused to work with me in good faith. It 's actions include : ( 1 ) After being notified that I was to start a new job on Monday, XXXX XXXX, 2015, it threatened to set a foreclosure sale date unless I provided 30 days worth of pay stubs by Friday, XXXX XXXX, 2015, the business day before my new job begins ; ( 2 ) It has twice offered to enroll me in assistance programs only to tell me that those programs do not exist when I tried to accept the proposals ; ( 3 ) Wells Fargo proposed a streamline loan modification and offered me the chance to appeal by submitting additional documents, but then refused to consider the documents I provided ; ( 4 ) Wells Fargo has refused to communicate with me at all and is now communicating only by telephone during hours that I have informed it I do not have access to a telephone. 

All of the foregoing is summarized in the attached letter from me and the accompanying documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

Businesses : Chase Card Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and/or XXXX ) Issue : Unauthorized credit card charges XXXX XXXX XXXX  Automatic debit credit card without authorization Invoiced payments are first applied to the oldest amount ( dates were not invoiced ) due dates then invoiced again for the same dates Chase Card Services ( Chase ) Informed Chase that automatic credit was not authorized, both telephonic and written Closed Chase after unauthorized credit card charges by XXXX. 
Issued a new card ; and Chase processed XXXX charges on new credit card Held financially responsible by Chase XXXX Since XXXX, I was a patient of XXXX. In XXXX, XXXX purchased XXXX. XXXX applied two practices : Automatic debit credit card ; and payments applied to oldest debit first. 

On XX/XX/XXXX, I received an e-mail from XXXX. On XX/XX/XXXX, XXXX will charge {$50.00} every Monday on outstanding balance, see XXXX XXXX. I spoke with XXXX, XXXX XXXX, that stated that my account will not be charged. On XX/XX/XXXX and XXXX, without authorization, XXXX charged my Chase Credit Card Account Number ending in XXXX, collectively {$50.00}. Account was closed immediately, and a new credit card was issued, account ending in XXXX. 

On XX/XX/XXXX, XXXX charged account XXXX {$50.00}, and Chase applied it to XXXX, without my authorization. I requested to close the account again instead a Chase agent placed a payment block on XXXX. On XX/XX/XXXX and XXXX and XX/XX/XXXX, XXXX submitted {$50.00} payments for each date and Chase processed them. For each date a verbal/written stop payment was submitted to Chase. 

In XXXX, I permanently closed my Chase account. To aspirate the problem, Chase has issued temporary credit for each charge, but stated in " Update : Your account has been credited '' that the credit will remain on my account while the issue is being reviewed. I should not be held responsible for {$250.00} plus interest. 

XX/XX/XXXX : Re-dispute letter, Chase XX/XX/XXXX : Dispute letter, Chase XX/XX/XXXX : XXXX XXXX XXXX payment errors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX first reported a 30 late payment on my credit report to XXXX Equifax, and XXXX   on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. Equifax, XXXX, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. Equifax then updated the account this month which caused my credit score to drop 51 points.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit planas late for any purpose.
Product: Mortgage

Qualified for a CARES act defferal, 6 month option, and resumed making payments in XX/XX/2020. ( Tenants did not pay rent for 6 months ). Now owe more money on my home than when I started given I could not afford to remake payments. Wells Fargo capitalized principal AND interest at the end of the mortgage, which was not fully disclosed. Also, now Wells Fargo will not refinance since I still am in forbearance and other lenders also have told me they will not refinance the loan because they can tell we used the forbearance on credit score ( mortgage balance went up ). I have made payments on time since XXXX, and was always current previously. Finally, since I have a larger loan balance, I am worried the bank is now charging me more interest than before given the capitalized interest from the deferral period ( also not clearly disclosed in CARES act documentation ). If I had know the information and that I would owe more than before, I may have made a different choice despite the financial strain for those 6 months.
Product: Debt collection

I have disputed 2 items on my credit report from the company. I got a letter stating that the information has been verified but they have not provide any proof to how this was verified. 

Disputed on XX/XX/2018 for {$660.00} and {$660.00}