23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX/XXXX/XXXX, PURCHASED BRAND NEW HOME FROM XXXX. CONSTRUCTION BEGAN IN XXXX. XXXX XXXX UPGRADES WERE NOT DISCLOSED TO ME DURING CONSTRUCTION, SO MY CHOICES WERE LIMITED FOR FLOORS, COUNTERS, ETC. LENDER INCENTIVES - {$0.00} DOWN/ {$0.00} CLOSING COST-FOR USING A XXXX XXXX, XXXX FOR HOME LOANS. XXXX XXXX, WAS THE BEGINNING OF MY FINANCIAL CRISIS-SO FAR XXXX FORECLOSURE ATTEMPTS BY XXXX BK 'S COSTING ME $ XXXX LOST XXXX VEHICLES IN CH XXXX-NOW STRUGGLING TO MAKE PYMTS ON XXXX CAR SHARED WITH XXXX XXXX DUE TO EXCESSIVE ATTY FEES IN CH XXXX THAT WAS INTENDED SOLELY TO STOP SALE OF HOUSE. I HAVE FOUND ON : XXXX-DEED OF TRUST ( 1ST {$190000.00} ), PURCHASE MONEY DEED OF TRUST ( 2ND {$48000.00} ) -BOTH W/ SIGNATURE ON SEPERATE PGS/NOTARY PGS ARE DATED XXXX/XXXX/XXXX, 3 DAYS AFTER CLOSING:XXXX XXXX ASSIGNED 1ST AND 2ND TO XXXX WHO ASSIGNED TO XXXX EVEN DAY-XXXX MIN XXXX DEACTIVATED : XXXX/XXXX/XXXX, 4 DAYS AFTER CLOSING, SPECIAL WARRANTY DEED-CASH ( {$10.00} ) FROM XXXX OF TX TO XXXX DBA XXXX , THEN, SPECIAL WARRANTY DEED W/XXXX RESERVED AND ASSIGNED TO 3RD PARTY LENDOR PROMISSORY NOTES OF {$220000.00} AND {$56000.00} PAYABLE TO XXXX FROM XXXX : XXXX/XXXX/XXXX RELEASE OF LIEN ( 2ND {$48000.00} ) BY XXXX, REQUESTED BY XXXX XXXX XXXX, PAID IN FULL : XXXX/XXXX/XXXX ASSIGNMENT OF DEED ( 1ST {$190000.00} ) FROM XXXX, NOMINEE FOR XXXX, TO XXXX XXXX XXXX XXXX, TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX ASSET BACKED PASS THROUGH SECURITIES WITH SEPERATE DOC FROM XXXX, NOMINEE FOR XXXX, REMOVING TRUSTEE AND ASSIGNING SUBSTITUTE TO FORECLOSE-THE RELEASE OF LIEN AND THE ASSIGNMENT OF DEED REF THE XXXX MIN NUMBERS THAT HAVE BEEN INACTIVE SINCE XXXX/XXXX/XXXX. THE RELEASE SIGNED BY XXXX XXXX ( VP OF XXXX ) NOTARIZED IN XXXX, THE ASSIGNMENT ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, XXXX SEC FOR XXXX WITH TRUSTEE NOTICE ON XXXX/XXXX/XXXX SIGNED BY XXXX XXXX, VP OF CMS- ATTY IN FACT FOR XXXX XXXX WERE BOTH NOTARIZED IN XXXX CA BY A CMS EMPLOYEE, XXXX XXXX XXXX THE VP OF CMS, XXXX. SHE GOES BY XXXX XXXX-EMPLOYEES ARE NOT ALLOWED TO FORWARD CALLS DIRECT TO HER BECAUSE SHE IS VP : NOTARIES NOT ALLOWED TO DISCUSS DOCUMENTS : XXXX/XXXX/XXXX 2ND SUBSTITUTE TRUSTEE ASSIGNMENT POSTED, SIGNED BY XXXX XXXX DEFAULT LEAD FOR CMS, XXXX CA. ALL 3 NOTICES SAY RETURN TO CARRINGTON FORECLOSURE XXXX IN XXXX CA- I WAS ADVISED BY CARRINGTON CALL CENTER, THEY DO NOT HAVE A LOCATION IN XXXX , CA. XXXX XXXX XXXX XXXX-IS A TRUST CONTAINING BUNDLES OF SECURITIZED LOANS ; MORTGAGE WITH CMS WAS DISCHARGED IN 1ST CH XXXX BK ; CMS CLAIMING XXXX XXXX AS LIEN HOLDER OF NOTE ; RECORDS SHOW XXXX DBA XXXX XXXX AS HOLDER OF NOTE. ASSIGNMENTS FROM XXXX TO XXXX IN XXXX OVER RIDE ASSIGNMENTS TO XXXXCMS IN XXXX, PLUS THE ENDORSEMENTS ARE NOT VERIFIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two tradelines reporting on my credit that I do not recognize. The first one from Synchrony Bank that is reporting a balance of {$1000.00} and the other for XXXX XXXX XXXX reporting a balance of {$370.00}. I have never opened any line of credit or have had a loan with them, nor is Synchrony Bank my personal Bank. I have XXXX. I also have never had cable with XXXX XXXX XXXX in 2019 nor do I have a service line opened with them. My carrier is XXXX. I contacted XXXX XXXX XXXX  and they were unable to give me any information on the balance that is reporting on my creit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there  should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

I was billed {$600.00} for a diagnostic scan performed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I paid this amount in full in XX/XX/XXXX. Now ( 4 years and 11 months later ) on XX/XX/XXXX a collections attorney ( Michael Harrison Esq ) has filed suit against me in state Superior Court to collect the same {$600.00} ( even though the company he represents says there is a zero balance ). When I attempt to contact the attorney via phone his system automatically hangs up. Emails I send to his business address are not responded to. 

I followed up on XX/XX/XXXX with XXXX XXXX XXXX via telephone to inquire about the {$600.00} amount against the account number referenced in the complaint. They confirmed to me that the amount was shown as paid in full. 

I am now expected to retain legal counsel and pay associated filing fees to respond to this unfounded claim. Given the amount due, I expect that many people would decide to pay, even though the demand is unfounded, to avoid potentially higher defense costs.
Product: Vehicle loan or lease

Since the beginning of the loan we have paid at least one month in advance to reduce the high interest charged by Santander. Monthly statements would indicate that the next payment was due in 60 days not 30. Since receiving the XXXX statement, monthly statements indicate payment is due in 30 days. We have spent numerous hours trying to straighten this out. Today, a manager told us that the company has made changes to " prevent customers from paying the loan ahead ''. The manager says that there is nothing we can do, and prepayment are not being applied. We have prepaid for six years!
Product: Credit reporting

I have never done any business with XXXX XXXX who has obtained a judgement against me. I have called XXXX XXXX several times regarding this matter and have disputed this matter. I have contacted XXXX and they have removed this from my credit report since there was no transaction done by me with XXXX XXXX. XXXX has removed this from my credit report ; however, XXXX Transunion have not. This information is inaccurate. I want this removed from my credit report since I did not do this transaction and no one can provide me with validation.
Product: Debt collection

Daily calls from often times spoofed numbers that hide the identity of the debt collection agency Portfolio recovery. I have repeatedly requested for them to quit calling me using there auto dialers and spoofed numbers. The account in question " collections '' has been removed from my credit and has been written off by the credit card company. Both their contact practices and continued harassment needs to stop or they need to be held accountable for there failure to follow the TCPA guidelines. Last contact date was XX/XX/2024 from a spoofed number that did not identify them as Portfolio Recovery.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 CONTRACT CALLERS, I XXXX XXXX Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was removed from XXXX on XXXX XXXX. I contacted XXXX and Equifax due to inaccuracies XXXX XXXX XXXX needs to be removed from credit report. All credit bureaus have to report all the same. My request was denied.
Product: Checking or savings account

Chase Bank moved {$930.00} from a Equity line of credit on XX/XX/XXXX that i have which i did not know that i had because i refinanced to another bank in XXXX, Why would they still keep the line of credit on a mortgage that they don't have on my house?? They said it was moved to a XXXX XXXX Checking account with our computer, we do not have a XXXX XXXX Checking account. And XXXX XXXX has confirmed that we are not linked to Chase and XXXX can verify that. Chase will not give us any proof that they moved the money there. We have had XXXX working on this since it all started. Chase has not been helpful at all, we have tried to get a 3 way telephone call with Chase, XXXX and Me with no luck. We believe that some one at Chase either entered in a wrong digit or internal fraud, and they '' re not making good on this. All Chase said is that we did notify them within 60 day deadline that was in my line of credit contract that i signed in XX/XX/XXXX. Show me proof that i did this.
Product: Credit card

Back in XX/XX/XXXX, I received a package from XXXX that was completely destroyed and opened. Inside were the incorrect shoes from what I ordered. I immediately contacted Discover with a dispute. XXXX ended up lying and claimed that I stole the shoes and never returned them. So, Discover sided with XXXX and would not give me my refund. Months later in XX/XX/XXXX I received the right shoes from XXXX and contacted XXXX to get a refund. They approved it and I shipped the shoes back. From there I learn that someone at XXXX XXXX stole my package so they can not refund me. I contact Discover again and they still will not let me win the dispute. It was a purchase of {$210.00} shoes. I am desperate for this refund because I do not have the shoes and it is not fair that I can not get a refund for something that was never my fault to begin with.
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 results from an alleged identity theft, which is what Experian did as you had no CONTRACT or PERMISSION to report, share, trade, my information. 

15 USC 1681 Section 602-604 You can not violate my privacy without my written consent which was never given. FRCA Section 605- According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. 

15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( XXXX ) Under 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 you have violated my rights to privacy as a consumer. NO CONSENT IS IDENTITY THEFT.
Product: Checking or savings account

On XX/XX/18, I initiated a transfer of {$2300.00} from my Chase checking account to my XXXX checking. Unbeknownst to me, XXXX had closed my account before the transfer went through. However, the money was not credited back to my Chase account and is currently lost. XXXX tells me my problem is with Chase and Chase tells me my problem is with XXXX. I have spent the better part of 6 weeks shuttling between Chase and XXXX and spending countless hours on the phone. Neither bank is taking this half as seriously as I am so I needed to do all I can to get a resolution.
Product: Money transfer, virtual currency, or money service

I transferred money to the XXXX XXXX XXXX  XXXX to enroll my children in a class. PayPal retained the money and placed it on hold. When I called they requested the date of birth of my child, who is a minor for no valid reason. My child is not the owner of my account. They refused to refund my money or pay it to the Colegio, and kept my money. They obligated me to provide my XXXX child 's personal information ( his date of birth ) in order to process the transaction or refund my money. I gave them the information against my will, and then they informed me that they will decide how to resolve the issue within the next 72 hours. In the meantime I can't recover my money.
Product: Debt collection

I filed a report against Hunter Warfield I filed a dispute for the absurd charges I was charged from previous landlord for supposed cleaning and illegal HVAC charges. I submitted proof and they NEVER got back to me or responded to my dispute. They sent you all documents but never sent me response or investigated my dispute. They are harassing me with phone calls, but doesnt answer when I call their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I took a federal Perkins loan from the University XXXX XXXX XXXX of {$1300.00}. I graduated in XXXX of XXXX and because of the events that followed in XXXX ( COVID-19, lay-offs, etc ). I was under the impression that this FEDERAL loan was also deferred with my other loans. In XX/XX/XXXX I received a letter about repayment and being late although I had no prior notification. By then I was {$240.00} behind and because I was still not back at work full time due to the pandemic, I had to split the payments through XX/XX/XXXX to be able to catch up. Starting in XX/XX/XXXX I have had auto payment set up with XXXX. On XX/XX/XXXX I made a dispute with Experian when I saw my credit score drop XXXX points and it was because it kept showing I wasn't making payments or was late and the balance was still high although I checked my XXXX  account at the time as well as my bank account to show I was up to date. The case was resolved until XX/XX/XXXX when I received a notification that my dispute was reopened ( NOT BY ME ) and that the agency finally updated them. I contacted the university and they also stated that other students have had the same issue with thinking that the federal perkins loan was part of the federal deferment of student loans when COVID-19 hit and stated there was no assistance due to the pandemic either. They also said they had my wrong email and mailing address which is why I never received notification of when I was supposed to be making repayment and so on my credit report it just seems like I was late for 6 months ( XXXX XXXX ) for no reason. They updated my information on XX/XX/XXXX and was told nothing else could be done.
Product: Debt collection

Lvnv funding llc at XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX has been sending collection notices in the amount of XXXX dollars. The collection has been reported as past due. I do not owe this company. This company does not have a contract with my signature
Product: Prepaid card

I have an American Express Serve card. On XXXX XXXX, 2016, I loaded {$120.00} on my card at XXXX. Before the load, I had a XXXX cent balance on the card. After the load, the card balance was XXXX. 

I contacted them to inquire why the load amount did not post. I was told they took their system down for upgrades, and they did not know when the load would post. Twenty-Four hours later, I called again to discuss the problem. I inquired why they would take their system down, but still accept cash loads. I also inquired again when the load would post, and was told they did not know. 

They took a cash load for the card, but did not post the balance on my card. They have not offered a refund or will not give a date if or when the funds will post.
Product: Credit reporting or other personal consumer reports

upon disputing with XXXX, Equifax, XXXX i let them know address on my account/reports are inaccurate or outdated they refused removal after two disputes.
Product: Credit reporting or other personal consumer reports

Hello there, I was placed in check systems for suspected fraud from Bank of America. I am a victim of identity theft. I had an account that was closed XX/XX/XXXX underneath my social. I had no idea about this account at all until I tried to open an account with XXXX XXXX XXXX XXXX XX/XX/XXXX. I was instantly denied, I had asked the reason for the denial and the representative told me over the phone Ill receive my denial letter in the mail 3-5 business days. On the denial letter I they showed me what was on my consumers report. And I seen suspected fraud from Bank of America. Which was an account I never opened to began with! Im unsure of what to do, someone told me I could report them on here and also file a police report as well.
Product: Debt collection

THE MIDLAND CREDIT MANAGEMENT IS A COLLECTION ACCOUNT DUE TO IDENTITY THEFT. I NEVER HAD A XXXX  XXXX ACCOUNT THEREFORE THIS ACCOUNT IS ALSO FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$660.00}
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 proce 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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA is reporting {$120.00} to my credit report. I spoke to six different employees and I am not confident they are doing anything to research and remove this erroneous information.
Product: Credit card or prepaid card

Someone has withdrawn and stole more than XXXX on my XXXX account. I found out 2 weeks ago when I was trying to get cash in XXXX XXXX XXXX XXXX XXXX. ATM machine wont let me withdraw because it says Ive reached my limit for that day which I didnt. So I called Bank of America and it was confirmed that someone was getting a XXXX dollars everyday for six days. 
After trying to call the claim department for total of 20 hours or more, falling in line at he bank, emailing and sending messages through messenger I was able to file a dispute. And found at after a week in mail that it was denied! I am pretty sure if they even bother to investigate my dispute they will find out that my money was stolen. I filed for unemployment benefits because of COVID and its all the money I have.