23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ford motor credit had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of XXXX seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with Ford credit about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole.

Ford motor credit declared my account as a charge off and therefore FMC was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however Ford decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that Ford sold the truck for a premium at auction should negate any debt that I owe or have owed.

Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month of XXXXXXXX XXXX XXXX didnt and still havent updated my information this is wrong because I called them Im a business owner and my personal credit its all never updated got ta continue to call over and over email over and over Experian had the wrong business address I have called them asked them to update my information for chase to approve my business and Experian is going through a big law suit because of not updating information so XXXX XXXX denied me then a couple weeks later Experian sent me a email saying we updated your address but chase already ran my credit took my inquiries and no credit established for me but a bunch of inquiries because of Experian not updating my information Im suffering from all them doing this please help
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I set up a money transfer with Western Union through my bank ( XXXX XXXX ) and when I went to pick up the transfer the store clerk said he had a strange thing happened, half way through the transaction the process ended. and he did not give me the transfer and I did not sign anything but it shows everywhere the money was picked up. I called Western Union customer service and they gave me a number for the clerk to call which did not work. The W/U MTCN number is XXXX. I gave my bank a message to stop payment but they did not do it. I am out {$760.00} Western Union was no help, the store was no help and my bank was no help. Thank You : XXXX XXXX XXXX
Product: Checking or savings account

I have tried to get in touch with a manager about the multiple transactions that were not authorized by me after my cash app card and ID card were stolen. These charges started on XX/XX/XXXX and ended on XXXX XXXXfrom XXXX on the following dates. 

XX/XX/XXXX XXXX transactions XX/XX/XXXX XXXX transactions XX/XX/XXXX XXXX  transaction XX/XX/XXXX XXXX transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXXXXXX  transactions XX/XX/XXXX XXXX  transaction XX/XX/XXXX XXXX  transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXX XXXX   transactions XX/XX/XXXX transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXX XXXX  transactions XX/XX/XXXX transactions XXXX = {$2900.00} XXXX {$1200.00} I have lost {$4200.00} due to all these charges and no one from cash app is helping me. I have spoken to XXXX who gave me his ID number as XXXX but then he started asking me to download something in my XXXX  Store so that he could make sure my security features are corrected. 

On XX/XX/XXXX I got 6 emails stating my cash app card was closed due to not verifying my Identity but I have already verified my identity weeks ago and the app clearly shows it's verified. Daily I get emails saying that my case was closed but they will not provided any information as to how they have obtained that decision. All the transactions are the same yet they have refunded {$200.00} XXXX  charges for {$19.00} each if those were fraudulent how could the remainder of these not
Product: Credit card or prepaid card

In late XX/XX/XXXX or early XX/XX/XXXX I opened a credit card online with XXXX. After my first order I requested closure around XX/XX/XXXX because I felt the merchandise was substandard and the credit limit was not worth my trouble. I also requested that a written statement be sent to me showing the closure and the balance so I would have records. The statement arrived sometime thereafter with payment due date of XX/XX/XXXX. 
On today XX/XX/XXXX, I called there customer service line to pay the account balance and their system would only allow a check payment so I entered my account information and immediately was informed after receiving a payment confirmation number that a payment profile had been created with my account information. I was not given any choice as to whether or not I wanted my checking account saved on their system. After informing me that the checking info was saved, I was then informed that the credit account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent dispute letters for 6 months back and forth on factual information that the reporting of this account is incorrect and they have yet to prove to me how they verified this item
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through the Equifax Data breach and several others. I've attached a copy of my identity theft report with all fraudulent inquiries listed. It is against consumer law to report fraudulent information on consumer credit reports. Below are all listed fraudulent inquiries on my Equifax credit report. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than XXXX business days after the date of receipt. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Credit Reporting Agencies XXXX  and Equifax  for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) 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 instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts. 2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Mortgage

On XX/XX/XXXX I called for COVID relief/mortgage suspension because my husband lost his job. My XXXX payment was suspended. I further looked into COVID suspension issues and decided we can handle the payments and paid my XXXX and XXXX payments including my interest for XXXX. I have called and opened up 9 cases with Wells Fargo to correctly apply the interest payment to interest and not additional principal. They did not follow my clear instructions on the coupon remittance to apply that payment to interest. I have been calling since XX/XX/XXXX to clear the situation. They have promised me they will take care of it and to this date they have not dones so probably because the bank is getting paid for COVID cases. My loan is not a COVID case and I have paid in full every month. Wells Fargo is probably getting paid per mortgage COVID case and is classifying my account as such.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding XXXX 's handling of disputes, as stated within the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that I was the one who authorized unfamiliar transactions. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Money transfer, virtual currency, or money service

OS National is the closing company who was in charge of closing on the sale of my home. I signed my closing documents on Wednesday XX/XX/XXXX. It was a mail away closing so the other party signed on XX/XX/XXXX. The company has not wired or even initiated a wire to my account for the funds. I have reached out to several people at OS National where there has been no response on the issue other than we will look into it. I have a new home I am closing on XX/XX/XXXX and these funds are needed to be able to close. They can not send me a confirmation number for the wire they supposedly sent. The amount being sent to me is {$18000.00} and {$15000.00} was to be sent to my closing attorney for my new home. Neither of us have funds. XXXX XXXX at OS National was in charge of my closing and she has been nothing short of nasty about all of this! She has tried to change the final HUD document after I signed to add fees she " forgot to add '' previously. This company is so unprofessional and they do not care about the client.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a XXXX XXXX XXXX financed through California auto finance the vehicle has been sitting for a couple years now and I am in need of obtaining the title to send to a junk yard. The company is refusing to respond to any of my calls/ emails. I do not know what to do at this point as I have a vehicle sitting in my driveway that I cant do anything about because I do not have the title due to this company not being able to contact me back. 

License plate number California XXXX
Product: Checking or savings account

When I attempted to cash in my CHASE Bank XXXX, at my CHASE bank, both the manager and another " account specialist '' at that CHASE bank ( in the cubicle directly next to him ) decided they were going to play a mean-spirted trick on me. 

I went into the CHASE bank to cash-in mXXXX XXXX, instead of renewing. And was issued a check for the balance, plus interest, of {$120000.00}. 
For the next few days, I mulled over what I should do with the money ; cash it, cash part of it, invest it back into another XXXX  with a bit higher rate... I then decided to cash it, deposit it, and give myself time to think. I went to an even more nearby XXXX XXXX. The teller at that XXXXXXXX XXXX informed me " This is a paper, " dummy '' check. It looks like a XXXX XXXXopy. We can not cash it. '' Just about beside myself with a case of shock, I walked to the CHASE bank where the manager had issued me that check, and stood in line to cash the check. The teller told me the same thing the teller at XXXX had told me, " This is a dummy check, I can't cash it. '' So there I stood, dumbfounded. I asked to speak to the manager who had issued me the check. He came over, and with a sly grin, said " Sorry sir, that is a fake check, it is just a " XXXX XXXX  check. '' And that account is closed. There is nothing we can do. Again, I'm sorry. '' I was livid. And described in detail, and very audibly, for all to hear, that I was was just in this bank, days before in your cubicle. You issued me this check! And I'm not leaving until I get my {$120000.00}! The manager insisted on playing his trick out further, even though the line behind me was getting longer, and everybody was now listening intently. He said " You are getting too loud, I am going to ask you to leave ''. I said " Are you accusing me of theft? Of copying a check on a copying machine, and asking you to cash it? I'm not going anywhere. And besides, you know if this check had been cashed, and when, and where, and by whom. '' He relented. And issued me a " real '' check. I then walked back to XXXX and deposited it. 

This trick was beyond anything XXXX, or anyone, should ever have to put up with. It was a horrific experience. And worse of all, was done for amusement. 

Here are the details : XX/XX/year> CHASE BANK XXXX XXXX XXXX. 
XXXX XXXX, Ca. XXXX XXXX and issuer of the " XXXXXXXX '' check for {$120000.00} : XXXX XXXX
Product: Mortgage

I have had issues with this company since it acquired my mortgage from XXXX. I have finally been able to find a company to refinance my mortgage with a better interest rate than I had with Rushmore Loan Management.

Through the process, I requested two payoff letters that were faxed to my loan officer within three business days after the request. The second payoff letter was requested through the date of XX/XX/XXXX. My new loan actually closed on XX/XX/XXXX. According to at least one customer service rep, a new payoff letter was requested by the title company on XX/XX/XXXX. I was told that a payoff amount {$110000.00} as of XX/XX/XXXX was faxed to my loan officer. Per  my loan officer at XXXX, that fax was not received until XX/XX/XXXX. The amount of the payment to close the loan was electronically delivered on XX/XX/XXXX was {$110000.00}. That amount was taken from the payoff date through XX/XX/XXXX. I was told my loan was not paid off and closed without the {$78.00} shortage being paid ... in addition to a charge of {$19.00} per day that it was not paid in full. I have multiple email contact, phone calls, and text messages with my loan officer at XXXX XXXX as well as emails with XXXX XXXX XXXX. 

I disagree that I am required to pay interest on the {$78.00} when my request for payoff was dated XX/XX/XXXX. The payoff letter states " It states that if the " funds received on or after date will be charged an additional {$19.00} per day. '' My loan closed XX/XX/XXXX and a new final amount request was made on XX/XX/XXXX in order to process the electronic payment. Rushmore did not know the loan would close earlier, so how could the interest start on XX/XX/XXXX?
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX the car stopped on the highway unexpectedly, I assumed it may have been the battery and had the vehicle towed to XXXX XXXX XXXX XXXX located in XXXX, Fl. In the interim I reached out to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX to notify them of the vehicle status. On XX/XX/XXXX I received notification from XXXX of XXXX XXXX that the Catalytic converter was missing and it appeared to have been sawed off/stolen. I believe the vehicle was sold to me with this part missing and a proper inspection would have discovered this issue. I brought this to the attention of XXXX XXXX on XX/XX/XXXX and was advised to have XXXX XXXX XXXX XXXX file a claim with XXXX XXXX to review for repairs. I was notified by XXXX on XX/XX/XXXX that the warranty company would not install a new catalytic converter. I was then instructed to file a claim with my insurance company for theft, although I am quite certain that the part was missing when they sold me the car. Now I am stuck with a vehicle at the repair shop and a bill totaling {$3900.00} to add a missing part. I believe the dealership took advantage of me and knowingly sold me a vehicle that was not properly inspected which could have resulted in a major accident.
Product: Checking or savings account

I've had an account with USAA Bank since the age of XXXX. I was recently going through a divorce and I had some issues with law enforcement in my area. And the end of XX/XX/XXXX I was XXXX  and with me went my banking information my wallet my phone and all my personal belongings. In order to bond out of jail I released my property and my property was to be taken to the bondsman. There is no permission for anybody to use my personal information nor should it had been assumed. My property was supposed to be released and given directly to a bondsman. Instead my personal information was taken by way of my cell phone my driver 's license my social security card my banking information. Several debits were taken out of my account money transfer Etc to tune of about {$1400.00}. I live on a very small social security check that's all I had. Upon being released on XX/XX/XXXX XXXX I immediately notified USAA and they did reverse the charges for a few days and then took it back. They claim that I was negligent. Well I think negligent is it's your fault. It is not my fault I was stolen from. That is the entire amount of money I had for an entire month. I went hungry. I show them proof that I was incarcerated and could not have been me I showed them where he signed my name to do a money transfer. I was met with ignorant people. I wouldn't wish this on them. Because I went hungry I went without power in my house. It was the most cruelest thing somebody could do. Due to my Banks reaction of me being negligent the sheriff 's department decided that they probably didn't have to pursue charges. How is it you are stolen from on Social Security XXXX wrongfully XXXX  and you can't do a XXXX thing you can't even get your money back. It is not your fault and you still can't do a XXXX thing. I would like to explain to me because I did not give him a debit card number I didn't give a PIN number I didn't give him permission it is in black and white that there was no permission. I enjoyed being USAA All Those Years and we're talkin 33 years for them to do that to me. I can't see how somebody could Forge your name and get away with it I guess he did but it doesn't matter you can help me with I sure would appreciate it. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Debt collection

On XX/XX/2021. i, the consumer sent a letter in respone regarding innaccurate and unknown things on my credit report.To this day over 39 days later. I have not recieved a response yet. I feel as a federally protected consumer I am being taken advantage of and being ignored of dispute and rights. Section 611 ( a ), It is plainly stated that a failure to invesitgate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 39 days. So, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the enormous amount of stress you are causing me.