23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am having a permanent hard ship due to now only working part time and have not been able to afford the payments due to paying for food, utilities and mortgage, also I have a XXXX year old daughter and have to pay XXXX a month in day care. Due to numerous calls every day to the point of harassment causing me extreme stress, my daughters uncle offered to help me by loaning me the money to try to settle the debt. On XXXX XXXX 2015 I called and gave permission for them to discuss the matter with him they were not willing to consider the settlement we offered they only wanted full payment even with my permanent hardship. On XXXX XXXX 2015 we tried calling to work it out again and were told they settle accounts similar to mine but I do not qualify, when asked for the reason that others qualify and I do not even with a permanent hardship they refused to answer that question and would only say I do not. When asked to speak to someone that can explain the difference the capital one employee refused to transfer me and then said no one in capital one can approve a settlement not even the ceo.
Product: Vehicle loan or lease

On or around XX/XX/2013 I purchased a vehicle from XXXX in XXXX Colorado. Within a week the vehicle had a bad fuel leak and electrical issues. I notified XXXX  of the issues and wanted to return the vehicle, which they refused and said they would arrange for it to be repaired. After being run around for about a month and the vehicle not being fixed to be able to operate safely, I demanded that they take the vehicle back because I was not going to pay for a LEMON that was unsafe to drive with gasoline leaking and endanger my XXXX sons life or my own to operate. The vehicle was returned with less than 100 miles drove ( including from XXXX Colorado to XXXX Wyoming where we live ). XXXX has since reported it as an involuntary vehicle repossession on my credit, and a balanced owed, which needs to be removed. This debt should not be owed because it was sold to me under false pretenses that it was in great working order, which obviously was not and had some quick fixes to sell to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX Account # XXXX, has violated my rights. 

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.
Product: Debt collection

XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XXXX/XXXX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). 

The lease agreement states : That I agree to leave the premises clean and in the same condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XXXX/XXXX/XXXX to be held on XXXX/XXXX/XXXX from XXXX-XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. 
The cleaning fees that Sequoia equities is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. 
On XX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XXXX/XXXX/XXXX no response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunuion violated my rights on XX/XX//2022.

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/year> I requested a {$12000.00} withdrawal from my savings account on Marcus by Goldman Sachs bank to my linked account. On XX/XX/year> I called the bank because I noticed that the transaction was reversed. I explained the situation and they transferred me to other departments multiple times and after an hour they finally told me that my transaction was reversed because of a security issue. They said that the information that I provided to verify my identity didnt match with the information that they have on file. I told them that they never asked me anything to verify my identity. Then they asked for my mother name and I provided the information and apparently I got that answer wrong. Then they said that they have to send paperwork by mail and Ill have to get that notarized. They froze my account and I have no access to it. I called them multiple times after that day and asked for a supervisor which they said that they dont have one at the moment and a supervisor will contact me between 2 to 5 business day but that never happened. I still calling them and told them I want my money and I want to close the account but I cant because they cant verify my identity. Today is XX/XX/year> and I still dont get the paperwork and apparently it was sent on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed 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- [ i ] 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 reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by a representative named XXXX impersonating a tech support from my bank company Chime. I was told I was having issues with my account and needed to transfer money in order to authorize a purchase I made on XXXX XXXX. He stated my account expired and that I needed to transfer my money into the new account. I proceeded to send {$2000.00} through XXXX on chimes app to a XXXX XXXX ( XXXX XXXX XXXX XXXX I proceeded to contact the actual chime support to let them know what happened and was told there was nothing that could be done for me. I called again to see if I could file a dispute and was told it could take up to 45 days and thats only IF I qualify for a dispute. I am currently out of {$2000.00} with XXXX dollars left to my name. This is has been the worst experience of my life as I am trying to move into an apartment in 2 weeks but now will be homeless due to this incident. I am reaching out to see if there is anyway possible for you to help me resolve this matter.
Product: Debt collection

someone stole my identity and obtained this account I have notified the Experian and the others that this account is a result of identity theft and I would need a verification but evenso it would still be invalid because XXXX off is a result of identity theft and now is hindering me from getting a business loan and support my business to pay my XXXX XXXX and support myself, please look into this and reconsider and remove off my reports because this is keeping me in a bad financial hole.
Product: Mortgage

I have been XXXX  charged for insurance from my mortgage company Flagstar Bank since XX/XX/XXXX, they have sent payments to the wrong company twice, and only have had XXXX of the payments refunded, I have done all of the work for them to figure out how to get this refunded and have spent days on the phone speaking with dozens of employees and managers at Flagstar Bank and it has been over a month since we started trying to fix their mistake and they are not returning my calls, they keep filing tickets to other departments that have gone no where, Flagstar Bank managers have told me that I, they, their bosses, their bosses bosses, and no one can talk to that department to get this done even though we have verified they have messed up multiple times. They have submitted multiple tickets and have yet to fix this since I pointed out their initial mistake to them on XX/XX/XXXX, and I have been told once again, well call you back dont worry. They have missed every deadline where they said they would call me back, apparently the issue has been forwarded to a manager that is ooo for the foreseeable future and it is just getting worse with taxes due next month and escrow analysis the following month. Which I have been told the escrow analysis will happen in XXXX by one manager and that was wrong, it is in XXXX by a another manager. I have no idea what is going on and why I cant get any help, but I am wondering if this needs legal action at this point or if laws or regulations are being broken. Please if you can provide any help, I would appreciate it as I am struggling to find the time needed to solve this when everyone at Flagstar Bank are refusing to help
Product: Mortgage

My existing loan servicer Newrez dba Shellpoint mortgage refused to communicate accurate information about my loan to California Mortgage Assistance. As a result my debt relief was denied. When I called to speak with consumer relations, I was told they did not have information from XXXX XXXX  ( my original lender ) regarding my several XXXX deferments. What information they did provide took several months and several reminder calls from me. California Mortgage relief states the reason I was declined was that my hardship was not covid related. Shellpoint represents the reason I was declined was that my mortgage is current at he moment. I asked them to call California Mortgage Relief program and attest my mortgage was affected by COVID. They refused. As a result my case was closed. I didnt get the tax relief I was seeking as well ( Im 3 payments behind ).
Product: Credit reporting or other personal consumer reports

The information provided for these accounts is incomplete and inaccurate, violating my rights under the FCRA. According to the FCRA, consumer reporting agencies, like XXXX, Experian, and XXXX, are required to maintain accurate and complete information in consumer reports.I demand that XXXX, Experian, and XXXX takes immediate action to remove these accounts from my credit report. Additionally, I request a thorough investigation into these discrepancies to ensure the accuracy and completeness of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$440.00}, XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}. Experian : XXXX XXXX {$440.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}. XXXX : XXXX XX/XX/XXXX {$630.00}, XXXX XXXX XXXXXX/XX/XXXX {$440.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$630.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Equifax report and saw that I had duplicate inquires that I did not authorize. I tried to resolve with the credit bureau but they would not help me take care of the negative inquiries reporting on my credit report. Below are the inquiries as follows with dates. 

XXXX XXXX XXXX inquiry date XX/XX/19 XXXX XXXX inquiry dates XX/XX/19, XX/XX/19, XX/XX/19, XXXX XXXX date XX/XX/19 XXXX XXXX XXXX dates XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,
Product: Credit reporting or other personal consumer reports

I have an online banking mobile account with First Horizon Bank. On the App it showed five accounts listing the last four digits of the account numbers. I asked for the complete account numbers and was told apparently they must be old accounts and we only maintain the records for five years. After having contacted customer service several times no one has been able to provide me with the full accounts numbers. Because these accounts recently appeared on my home Preference page repeatedly since XX/XX/2023, I believe they must be valid accounts and not more than five years old. One online Rep stated she could see my name on the accounts but could not see the whole numbers. After physically going into several branches I was told all records are destroyed after five years. I was reminded of the Depositor Agreement to arbitrate the complaint if I wish to go further. Once before I was forced to arbitrate a complaint which was one-sided with the arbitrator in favor of the bank. This time after doing some research on the XXXX and the XXXX, I am confused as to whether my rights are being deprived under the state bank 's arbitration agreement and whether all bank account records can be destroyed in such a small time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX amount of {$7700.00}. I have disputed and sent Experian, XXXX  and XXXX   copy of court document showing that case under XXXX XXXX XXXX was dismissed and I am to pay nothing. I also sent a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a medical collection multiple times due to inaccuracies. I just now received mail from the debt collection agency that proves they obtained my protected health information. This company has my specific lab tests I had done, as well as my symptoms and the treatments I received. I never consented for the hospital to share any of that info and the debt collector XXXX shares this with other entities. I have tried another dispute with added documentation that the dates of this debt are wrong and that the only identifying thing from the collection agency about me, were my symptoms and treatments and tests. Cant reach a real person at experian. I want this fraudulent and invasive account removed from my credit report immediately. I have already filed a HIPAA complaint against the medical provider involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus numerous times informing them that account for XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations as well to which it is severely hurting my credit.
Product: Mortgage

I have been working with XXXX for the past two years to get a home loan with Bank of America. My closing was schedule for XX/XX/XXXX. On XX/XX/XXXX my file to updated and showed, " XXXX pending compliance and verbal verification of employment. '' Two days later, underwriting was suspended and additional conditions was placed on my file. All additional information was provided and closing was then extended to XX/XX/XXXX. My XXXX counselor and closing attorney has tried with no success since XX/XX/XXXX to contact someone in the underwriting department of BOA and no one is responding. I have already wired my closing funds to the attorney. Due to the explainable delay, I was forced to give up my apartment and place my belongings in storage.My son and I am now living in car just to achieve the American Dream. I have XXXX and my health is being seriously impacted by this as well. Moving my stuff to the storage unit cost me {$820.00}, which means I will be charged another {$820.00} to move my stuff from there. I was told by another agent that works with XXXX that she has clients that were cleared to closed since XX/XX/2019 and Bank of America still has no sent the paperwork to the closing attorney. 
I would really hope that Bank of America is not intentionally stall the XXXX loans. I just want to close on this house and get on with my life. I am afraid that the seller might terminate the contact and walk away with my earnest money. PLEASE HELP ME!!!!!
Product: Credit reporting or other personal consumer reports

Recently I looked over my credit reports and noticed credit inquiries that I do not recall authorizing, made by the following companies : Equifax XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. When I checked my report as I routinely do, I was surprised to see unexpected discrepancies. Refreshing my browser didn't resolve the issue, confirming that it wasnt a glitch. Im deeply troubled by this and ask that my submitted documents be thoroughly reviewed so this issue can be permanently resolved.
Product: Debt collection

The Navient loan company has been calling me repeatedly requesting me to repay my loans. I am XXXX and earning no income so I am unable to repay currently. In addition I just had a baby so I have been exhausted from caring for her. They will call sometimes every hour and have even woken the XXXX. Yesterday they threatened to call the police on my dad and today they told my husband they would ruin my credit. I am so tired of being harassed. I know I need to repay the loan and I will as soon as I begin earning income when I XXXX from XXXX school next year.
Product: Debt collection

HELLO TO WHOM IT MAY CONCERN I AM CONTACTING YOU ABOUT DEBT RECOVERY SOLUTIONS BETTER KNOWN AS XXXX XXXX XXXX XXXX THEY ARE CONSTANTLY CALLING AFTER HOURS EVERYDAY AND ALSO AFTER HOURS CONSTANTLY BREATHING ON THE PHONE DEMANDING PAYMENT OR CREDIT WILL BE DAMAGED THEY CALL FROM DIFFERENT AREA CODES FOR ME TO ANSWER AT THE TIME I WAS COVERED WITH MEDICAID AND THEY STILL PUT IT ON ALL CREDIT BUREAS WHY I DON'T KNOW I HAVE DISPUTED IT THROUGH ALL CREDIT BUREAS AND THEY STILL KEEP HITTING MY CREDIT REPORTS UNDER DIFFERENT NAMES AND THEY JUST HIT MY CREDIT ON XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request 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 accounts 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 accounts : XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX. Please remove these accounts ASAP.
Product: Debt collection

Pursuant to 15 USC 1692g Credit center is stating that me a consumer owes a debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request credit center offices to provide me with competent evidence that I have any legal obligation to pay them
Product: Consumer Loan

This loan is still on file they have XXXX loans on me almost 10 years old?? They wo n't remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX/XXXX  XXXX CR Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Stern Recovery Services added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and. Stern advises that they don't buy or transfer account however their website at www.sternrecovery.com advises that they do. I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.