23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On  XXXX   XXXX ,  XXXX , I was contacted by  Wells Fargo Bank, who I hav e my mortgage with about a Payment that I owe. I spoke with "  XXXX  '', he said I had an outstanding payment of {$1600.00}. I did not know what for but I complied and paid {$1200.00} by phone and the difference of {$430.00} would be paid with my next mortgage payment of {$540.00} bringing it to a total of {$970.00} which was paid on  XXXX   XXXX ,  XXXX . I made another payment of {$520.00} on  XXXX   XXXX ,  XXXX  and then another payment of {$1000.00} for  XXXX   XXXX  and  XXXX   XXXX   XXXX  payment.  XXXX  took this payment. On  XXXX   XXXX ,  XXXX , I spoke with a  XXXX  and she says she did change to back the loan to automatic withdrawal as this was how this account was set up from its inception.  XXXX  apparently did not do the automatic withdrawal and again in  XXXX  I receive a call from  XXXX   XXXX   XXXX   XXXX ,  XXXX . He took payment from me over the phone for {$2100.00} and says this was payment for  XXXX   XXXX ,  XXXX  -  XXXX   XXXX ,  XXXX . He told me the next payment would be due  XXXX   XXXX ,  XXXX  and that I have a grace period of 17 days before a late charge would be assessed.   From then I have been going into the bank branch of  Wells Fargo Bank to  pay my mortgage payment twice a month and this same incident has started again and I need some help as they now want to foreclose on my house for {$4200.00} of which I can not get a proper explanation why do I owe this money. and I am still paying my payments in a timely manner. On  XXXX   XXXX ,  XXXX  I spoke with  XXXX  employee #  XXXX , he said he will generate a work order and in the mean time to continue to make payments in the banking center so as to stop the harassing phone calls I have been getting. He did not follow through as the calls continued. I then call again and spoke with  XXXX  ID #  XXXX  on  XXXX   XXXX ,  XXXX  she advise to go in bank and bring as much proof of receipts of payments. I then spoke with  XXXX   XXXX . She will submit account history. I made a payment with her over the phone for {$440.00} confirmation #  XXXX  not sure if this was a partial payment or what. She sent me a payment history but that did not explain anything more to me. In the meantime I continue to pay my mortgage in the banking center. At this time I am exhausted and need some closure to this problem. Please help. Another thing to mention is they changed my ACH, my automatic withdrawal without my authorization.
Product: Debt collection

On XX/XX/XXXX I received an email about a debt from XXXX  that was sold to XXXX. I requested validation of the debt, then received an email saying it takes 30 days for them to send debt validation forms that I have never received.
Product: Credit reporting or other personal consumer reports

Im trying to find out what is going on with my credit score because its affecting my application with low income housing and I am XXXX I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Payday loan, title loan, or personal loan

I believe that Monterey Financial ( XXXX ) engaged in deceptive and predatory lending practices which potentially violate the Servicemembers Civil Relief Act ( SCRA ), the Military Lending Act ( MLA ), the Consumer Leasing Act, and the Truth In Lending Act. The closed-end product lease I was given greatly exceeds the MLA 36 % limit on loans charged to military personnel. I was also not given a copy of the lease to review until requested directly on XXXX XX/XX/2022 ( attached as XXXX Contract ), several months after the lease had gone into effect, and initially I was given someone else 's lease documents ) attached as XXXX ). I was only given a verbal disclosure and a form to sign online but it did not include the lease information. Additionally, the provided lease document has my name and information but not my signature. Further, the XXXX tolling period for the Satisfaction Guarantee Buyout Guarantee did not account for time I was XXXXXXXX XXXX XXXX XXXX XXXX and I consequently missed this timeline by XXXX day. The lease also contains a binding arbitration clause which I believe directly violates the MLA and SCRA. I provided a letter to the company on XXXX XXXX ( attached as XXXX  Dispute ), outlining all this but was told my claim does not have merit. I have attached documentation to provide additional details.
Product: Money transfer, virtual currency, or money service

I was scammed by someone for {$500.00} and I am now homeless because of it and I need my money back. I sent the money from my chime account to another persons that had false intentions and they said I cant get my money back from them but I need it back
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

Repeated calls 5 to 10 times a day every day, I have repeatedly told them when I am able to pay I will call them and do not call more than once a day for the past month.
Product: Debt collection

On the day of XX/XX/2021, I decided to drive the vehicle I obtained through a consumer credit transaction, used for family personal and household purposes, to the gym for a hour long workout session. Upon walking to the spot I parked my vehicle, I noticed it was in fact stolen. I immediately reentered the gym and requested to see the security footage of the Parking lot for the last hour. I also called the XXXX police to aid in the investigation. I filled out a police report with the facts and while watching the footage of the security camera, it showed a debt collector from the company named XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, Michigan XXXX, in a tow truck hired by GM Financial, back into my vehicle, lift it up, and proceeded to steal it in broad daylight! My vehicle was financed through GM Financial, whom I have several CFPB complaints against for violating my federally protected consumer rights under chapter 15 Title 41 of the United States Code. When I contacted GM Financial they attempted to extort and bully me into paying {$2100.00} for property that was obtained on credit and which included a finance charge. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I am a consumer who has been violated and robbed of my personal property by Gm Financial and they have not received any repercussion as a result of stealing. I have lost a job, missed job opportunities, and have experienced hardship as a result of the theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at speedy cash. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This in not a 3rd party nor did I submit this in error, but this is my second attempt to remedy this situation with Experian and it seem they are ignoring my request
Product: Debt collection

I have a loan from XXXX XXXX ( Credit cards ) but I lost a job during the covid-19 pandemic. So having trouble paying my credit card with XXXX XXXX. So they give a charge off my balance. But this debt collector Midland Credit management a third party collector they start sending letters they to collect my debt that is already closed account. I want them to delete this Midland credit Management from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my XXXX XXXX XXXX motor vehicle and our. property service by Ocwen Loan Servicing I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.
Product: Credit card

I signed up for the Delta Gold Skymiles Card from American Express on XXXX XXXX, XXXX. I signed up for an offer of XXXX bonus Skymiles after spending {$1000.00} on the card within 3 months of account opening. I fulfilled this spend requirement shortly after, and American Express themselves initially confirmed on XXXX XXXX, XXXX that I met the spend requirement for the XXXX Skymiles bonus ( thus verifying the bonus was attached to the account ). After this, I made a phone call to American Express customer service to follow up on when the Skymiles would post to my account, and a representative told me verbally that if I did n't see the Skymiles in my account by XXXX XXXX, I should call back. Shortly after XXXX XXXX had passed, I called back to American Express and they told me that I was ineligible for the bonus and would n't receive it, regardless of what multiple representatives had previously confirmed.
Product: Debt collection

XX/XX/XXXX - I called to obtain information on where to mail payments or how to pay online and requested they no longer contact me on my personal phone number and that they are unauthorized to contact my place of employment, friends or family about this debt moving forward. They kept putting me on hold, hanging up the phone on me, not confirming they will end phone calls. I spoke with manager XXXX, who would not provide me with his full name and said they will continue to call me. I stated by law once notified they have to end phone contact to which he kept avoiding acknowledgment of my request.
Product: Checking or savings account

I have had a Citi credit card for many years. Apparently because of this I was chosen to be targeted with an offer to open a online Citigold checking account with a Debit card attached to the account, with the offer of providing me with a XXXX XXXX XXXX XXXX bonus if I completed what they referred to as " simple '' steps. 
Within 60 days the first requirement was to spend {$1000.00} on the debit card, which I did despite signing up for the account XX/XX/XXXX and not actually receiving the debit card until XX/XX/XXXX, almost a month later. I called when I never received the card and it was confirmed to me that the time period had started the day I signed up and not the day I received the card. This should have been a sign of misleading business practices, but I decided I would be able to spend the necessary amount in the time I still had left. While I was on the phone asking about the whereabouts of my missing debit card I inquired with the agent about exactly what the other requirements were to receive the miles offered, I told her that I wanted to make sure I was properly completing the necessary steps. I asked if the recurring electrical bill I had set up would suffice and she said of course, that would be perfect. 
The second requirement was to " perform 1 qualifying bill payment in 2 consecutive calendar months ''. I set this recurring payment up with my local electric company and had the funds set up on autopay to be paid from the Cititgold account. In my statement you can see the funds were taken from the account on XX/XX/XXXX and then again on XX/XX/XXXX ; two consecutive calendar months.

Once this was done I called Citigold on XX/XX/XXXX to confirm that I had completed the required steps to receive my XXXX XXXX XXXX XXXX, and the representative told me I had not set up the recurring payments correctly, that I needed to set it up on the Citi website and not the way I had done it. I asked her to explain because I could not understand what it was that I had supposedly done wrong. Her explanation left me more confused. I inquired how I was supposed to know how to set up the recurring payments in this specific manner, and that I did not understand, and she said it was in the " fine print ''. 
I honestly still don't know what I did wrong. I spent {$1000.00} on the debit card in the allotted time period, and I set up recurring payments to be automatically debited from the account, which occurred in two consecutive months, again all within the allotted time period. 
I find this practice to be purposefully misleading, with the intention of making it almost impossible to complete the tasks required to receive the bonus XXXX XXXX XXXX. From delaying providing the debit card to me, and not being specific as to how to set up recurring payments in a manner they like, and hiding this information in the " fine print ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, # XXXX, and # XXXX, has violated my rights. The Account names are XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX and XXXX XXXX XXXX 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit report account under an open end consumer report plan as late for any purpose.
Product: Debt collection

XX/XX/2017 I had a procedure done at XXXX XXXX Hospital. At that time, I was under XXXX 's financial assistance program and everything was covered 100 %. 

The amount XXXX XXXX claims I owe is {$710.00}. I have contacted them a few times and I have provided a letter to them showing XXXX XXXX paid the bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletions listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) because of poor customer service and unfair practices that go against the Consumer Financial Protection Act ( CFPA ). Cash App didnt take timely or effective steps to prevent or address fraud on their platform, leaving my account vulnerable and unprotected.

On top of that, their dispute resolution process was unfair and misleading. They failed to follow the error resolution rules required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This has caused me significant inconvenience and financial loss, and Im seeking appropriate action to address these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report. As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. 

The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. 

I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. 

I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.
Product: Debt collection

CareCredit Account opened without my knowledge. My XXXX XXXX Account shows a derogatory balance due of {$5200.00}.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX, my card was recently stolen and charged fraudulently 9 times. I Called Capital one Sunday XX/XX/2020 on the number from online customer services, since the card is not in my possession. I spoke with representative XXXX, who confirmed my personal information for security purposes and investigated my account history. I informed the rep that I was referring to all charges with purchase date of XXXX - XXXX ( days in which I was in the hospital on a 72 hr hold. ) I was placed on a hold and when rep was back, I was informed that she was disputing a total of 11 charges with {$920.00} of charges due back to my account. 
**I have all my hospital paperwork to support that I was not able to purchase or make any of these transactions. ( Which none was even requested ) I do NOT have and authorized users on my quicksilver credit card, I DID NOT lend or give my card to anyone. 
Once I was able to get in front of my desktop, I reviewed my account and only found 9 charges should be disputed with a total of {$910.00} total. So that alarmed me to think that there must be a filing error with the dispute. Leaving space for denial. I in no way wish to dispute any charges that I am truly responsible for, but I will not stand by and pay for something that has been stolen from me. 

On the XXXX of XXXX early morning ( less than 48 hr from starting dispute ) I received an email stating that the charges were not fraud and I was responsible for charges. I called once more on XXXX XXXX, 2020 spoke with XXXX who was quick to believe due to the quick turn over of decision must have been due to a filing error in dispute. Who then I was transferred to XXXX ID XXXX who told me was the - Account manager in Fraud disputes? XXXX unfortunately was the XXXX to tell me that the charges were not going to be refunded and were my bill. So, upon hearing this information I requested a higher management. Being told he was the person and that nothing could be done about my account balance, I then requested for an email to XXXX. 

My fight here is the injustice for the customer, being ME. I was hospitalized with supporting documents to prove my side. To only come out and find out someone stole my card and used XXXX $ of it. I questioned XXXX what the steps were taken for making the decision of deeming me responsible. Which he had no answers for, the stores that my card was used at should have video surveillance to further support that the shopper was in fact NOT myself.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit reports but I didn't give authorization for my credit to be hit 6 times and its hurting my chance of a successful credit score. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 4 ) " Infringed upon consumer 's right to privacy '' 15 USC1b ( a ) ( 2 ) " No permissible purpose /No written instruction ''