23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of XXXX USAA offered me a promotional XXXX XXXX cash advance check, with XXXX XXXX interest thru XX/XX/XXXX. I took a {$2200.00} cash advance in XXXX of XXXX. Starting in XXXX I noticed my regular monthly purchases were accruing interest, even though I was paying my monthly purchases off in full each month. USAA 's ludicrous explanation is that because I had not paid off the cash advance that my account overall was not paid in full and my regular purchases would now accrue interest. This is pathetic attempt to cover up a misleading and fraudulent offer. Why would I take out a {$2200.00} " XXXX XXXX '' cash advance in order to pay interest on the other {$5000.00} in regular monthly purchases I do with them? USAA could have easily disclosed this detail with the other details of the cash advance on the page where the promotional advance was offered ( page XXXX of the attached PDF ), over half of the page is left blank. To give me a XXXX XXXX  offer that by definition triggers interest on your regular purchases, even when paid in full, is shameful.
Product: Credit reporting or other personal consumer reports

I received a credit score alert, XX/XX/XXXX about a debt collection that was reported to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$920.00} from a company called, " XXXX XXXX XXXX '' previously called XXXX XXXX XXXX XXXX. This account was reportedly opened on XXXX XXXX, XXXX. Upon further investigating this company, I can not find any information other than they collect debts and have several other complaints filed for the exact same thing! I called XX/XX/XXXX to inquire what this " so called debt was for '' and that I've received no phone calls, emails, or written notice regarding this debt. They stated it was for past due payments for a magazine subscription back in XXXX. I've never subscribed to any magazines nor does it make any sense that a magazine subscription would cost over {$900.00} and I have never received a single notice for this debt. I called XXXX XXXX for further Investigation and they did not find a single magazine subscription payment under my name. Now after disputing this with XXXX who then took the Collection account off of my credit report, EXPERION still refuses too even after sending them information on how I've already previously disputed this with XXXX and filed a report with the FTC! I cant even file a police report because both EXPERIAN and XXXX XXXX XXXX can not provide me with any information regarding this Collection and who the original company is that reported the collection account. These people were rude and could not provide me with any accurate information or details regarding this situation and just kept telling me to, " pay the debt ''. The company is a fraud! And I've already seen so many complaints about several others receiving the exact same collection notice for a subscription they NEVER subscribed too.
Product: Debt collection

I received an initial demand letter XX/XX/18 from XXXX XXXX XXXX. They had already begun calling me on XX/XX/18 before i had ever received their letter. Had i known what this was pertaining to i would have advised them it was not my debt. They were threatening and rude. Someone else used my social security number to obtain this loan. They called my parents and they were harassing and threatening. I do not owe this debt and I requested well communication be written through their website. I submitted in writing through there website a dispute. I expect this matter to be resolved.
Product: Money transfer, virtual currency, or money service

I sold my husbands vehicle I was given 3 money gram money orders of {$500.00} each I went to Walmart to cash them 2 went through fine the 3rd was declined the clerk told me it might be because of having to many & to try another day. Yesterday went to try to cash it was still declined the clerk told me to use it here put in the reference number and it will tell me why it was declined so I just did it and it didnt really tell me why. I dont understand its a Walmart money order funds have been paid why cant I cash it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of my rights to privacy and the Bankruptcy Act. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Equifax is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained from an online electronic system known as XXXX. This is not a dispute, formal complaint nor request for validation or verification but a demand for compliance in regard to your fiduciary duty and affirmative obligation to respect my right to privacy and to protect the security and confidentiality of customers nonpublic personal information. This public record was deleted from my XXXX XXXX File months ago. This will be your final opportunity to harming me and defaming my character. My next step will be taking action in small claims court.
Product: Credit card

THIS IS AN AMENDMENT TO COMPLAINT # XXXX XXXX XXXX I had this credit card account subjected to a forensic audit to assess potential violations of securities laws, and during the review, I discovered that a XXXX was attached to the account, indicating that it had been securitized. Upon further investigation into your filings with the U.S. Securities and Exchange Commission ( SEC ), I found that your company is prohibited from trading these accounts on the secondary market under Rule 10b-5 of the Securities Exchange Act of XXXX, which specifically prohibits the misrepresentation or omission of material facts in connection with the purchase or sale of securities. The presence of this XXXX  attached to my account directly points to an illegal assignment and misrepresentation of the transaction. 
Not only does this breach your filing and disclosure obligations under the Securities Act of XXXX and Securities Exchange Act of XXXX, but I also discovered that the company failed to return a negotiable instrument that I tendered as payment for the account. When I provided the negotiable instrument, the company accepted it but refused to apply it as payment, insisting that only USD could be accepted. This is a violation of the Uniform Commercial Code ( UCC ), which governs negotiable instruments and requires that they be honored as payment if they are properly tendered. The companys refusal to accept the negotiable instrument and insistence on only USD is a breach of contract and shows bad faith. 
Additionally, I have an expert witness prepared to testify that this credit card account is unenforceable due to the improper transfer of the account. The required documentation, including the original credit card agreement and proof of the assignment, has not been provided, making the transfer incomplete and in violation of UCC 9-203. Without the necessary documentation, the assignment is invalid under UCC 9-308 and UCC 9-406 , rendering the account unenforceable under applicable law. 
Therefore, I assert that the actions taken by your company in securitizing and transferring this account, without providing the proper legal documentation or disclosure, not only violate securities laws but also constitute fraudulent conveyance and a breach of fiduciary duty under state contract laws. Furthermore, the improper handling of the negotiable instrument amplifies the violations. These actions expose the company to potential liability for fraud and failure to comply with both contractual and statutory obligations.
Product: Credit card

I try to freeze account but some other person use my information and they put freeze on my account unauthorized
Product: Mortgage

Prosperity Bank failed to setup my autopay debit deduction when I closed on my loan on XX/XX/XXXX. They offered .125 % discount to do this. I had already setup an account with them and was preparing to transfer funds. They scrambled and acknowledged what they did. They then setup another round of closing documents for a loan modification. During this time, they noticed that they failed to have me get flood insurance. During the nearly 2 month process for the original loan, they completely missed this. I then scrambled to get this done. I had to pay for a flood certificate to be created, and the surveyors were weeks out on getting this done. I finally was able to get someone out to the home and the certificate produced, but so much time had elapsed that I had to make my first mortgage payment on XX/XX/XXXX. I had transferred my funds into the account and I was in constant communication with the banking staff handling this loan modification. They told me to wait until we had the new loan documents in place and that they would waive any late fees. I waited and waited. The process for the flood insurance took so long that it eclipsed the XX/XX/XXXX payment date. Again, I asked and was told to wait. In the month of XXXX, I received a call from the prosperity collection team. I was disappointed because I have never been late with a payment and I am super diligent about all of my payments. I also received a delinquent payment mailing in the mail. I communicated with all members of the prosperity staff and expressed my disappointment. I was told that this was going to be corrected going forward. We finally had a closing date setup for XX/XX/XXXX. I was still getting collection mailings despite what was communicated to me, but I ignored them because that is what I was told. I finally setup an autopayment draft during the closing on the XX/XX/XXXX. During the closing, I paid up through XXXX and then on the XX/XX/XXXX, Prosperity successfully withdrew my monthly payment. Thus, in mid XXXX, everything was current. Then I get a credit alert about how I missed a mortgage payment and my credit score had dropped precipitously. To add insult to injury, Prosperity Bank CHARGED ME FOR CLOSING FEES even though they were the source of needing to do another closing in the first place. I finally had had it. I sent the alert notification to the bank and told them that I was reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all the certified documentation to XXXX, XXXX, and Equifax regarding their method of verification regarding 3rd parties due to they continue to place inaccurate and unverified info on my CR. XXXX XXXX sent me a letters stating they removed these 2 BK from their files and I have a security freeze through their company. XXXX is the only company that responded in writing but wouldn't tell me their method of verification via phone which XXXX is listed on all their credit bureaus websites that this is their source of public records. I have sent certified mailed letters to each bureaus regarding removing the BK due to FCRA 611 ( 15 USC 1681 ) goes against the policies and must be deleted immediately because its not proper verification. Credit bureaus cant use 3rd parties public record that they must directly contact the Bankruptcy Court itself who is the original furnisher it has to be 100 % accurate/verified. I have submitted a letter from the Courthouse stating they don't speak nor associate themselves with credit bureaus nor 3rd parties. I have not received any documentation from Equifax & XXXX upon certified letters till this day. I have submitted a letter from XXXX who wont allow me to place an security freeze on the report which I have a right on all reports by law especially if its inaccurate info. On my CR its listed 2 different attorneys which I never heard of nor have I signed any documentation with any third parties. I also have security freezes on all the credit bureaus so how are they able to continue to report inaccuracies if I have all this documentation. I have listed all the supported documents you will need to handle this situation because the CB continue to lie and place information on CR that are not true which they keep blaming the courthouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX, has violated my right. 

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: Credit reporting or other personal consumer reports

Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not Metro 2 compliant. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( XXXX ) ( XXXX ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE XXXX DIFFERENT PAYMENT HISTORYS REPORTING? 
XXXX : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS. 
IF LAST PAYMENT IS XX/XX/XXXX, HOW IS IT A XXXX DATE LATE ON XX/XX/XXXX Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Reported ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATE OPENED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING FOR ACCOUNT OPEN DATE? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Last Payment ( XXXX ) DIFFERENT LAST PAYMENTS. HOW ARE THERE XXXX DIFFERENT LAST PAYMENTS REPORTING? 
IF LAST PAYMENT IS XX/XX/XXXX, HOW IS IT A XXXX DATE LATE ON XX/XX/XXXX? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
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 ( CFBA ). Specifically, Cash App failed to take timely and and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their 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 caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I disputed multiple charges made on my account and Wells Fargo is refusing to give me my money back. All the charges was made in another state and I live in the state of Georgia so there is no way I made those charges I filed the dispute on XX/XX/22 for charges of XXXX, XXXX and Wells Fargo chose to deny my claim.
Product: Debt collection

I had a XXXX XXXX XXXX ( XXXX ), XXXX. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of XXXX XXXX, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with XXXX XXXX and is current, XXXX XXXX was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXX Solutions {$1400.00}. 

Portfolio Recovery Associates, LLC has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX Portfolio Recovery Associates sent me a letter stating that they have completed their investigation, and the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) And the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Debt collection

Conduent sent me a notice in the mail that is dated for XX/XX/2019. I received the notice on XX/XX/2019. Conduent is stating that a loan from my XXXX school was sent to them to be my servicer and that I have 30 days to notify them of the inaccuracy. They are saying that I owe them {$4000.00}. The problem is that I never took a private loan, a perkins loan, or a FFEL loan through my institution. I cross-referenced all the loans I took out in XXXX school to the NSLDS database and this loan amount never shows up. In addition, I looked at all my financial aid award letters from my institution and they all say Federal Direct Loan or Federal Direct Grad Plus loan. None of them say institutional loan, perkins loan, or FFEL loan. I have already consolidated all my loans through XXXX XXXX XXXX which has serviced every loan I've had in XXXX school and this loan isn't one of them. The company is being extremely difficult to get a hold of to dispute this loan.
Product: Mortgage

I had a joint mortgage through Bank of America with my spouse. In XXXX  we divorced and I assumed the mortgage. Bank of America revoked online banking for the mortgage account and refused to provide online banking for the assumed mortgage account, stating they can't provide online banking access for assumed mortgages. In XX/XX/2022, XXXX XXXX ( XXXX XXXX  ) erroneously took over $ XXXX from the mortgage escrow for an policy that was cancelled. In XX/XX/2022 XXXX took over $ XXXX out of escrow for the current policy. In doing so, they created an escrow shortage. My monthly mortgage payment went up more that $ XXXX ALL of which now goes to interest only. I was unaware of any of this until late XX/XX/2022 when I received my annual escrow analysis. I am still fighting XXXX for a refund of the money Bank of America allowed them to steal from my account. Bank of America should not have allowed an error or theft of this magnitude to occur. I should not be punished for Bank of America 's negligence by having to pay additional interest. Mortgage companies should be required to provide online banking ( real time access ) to all mortgage accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. I attempted to enroll and obtain a cash app account. I entered in my information and I instantly got a a message saying that my account would be closed for a " violation of terms of service '' I have never had any account with cash app and I asked them to look up the violation. They told me that they had no information on the violation. They asked for my e-mail address and I was told that a review would be initiated that could last up to 30 day.I contacted then today to check on that status of my investigation. They told me that they did a thorough investigation and they considered the matter closed. I then told them that I have never had any type of account with them and that if my information was utilized by any other person, it was fraudulently used. I then asked them to explain to me how I could be held responsible for any conduct of a person who illegally utilized my personal information on their platform? This is patently unfair to hold me responsible for a terms of service violation on an account that I did not authorize nor had any knowledge of.
Product: Student loan

In 2005 a student loan account with NAVIENT was opened in my name in XXXX Texas and has gotten to the balance of a few thousand dollars and has beaten my credit up badly. 
In 2005 I was XXXX, living with my mother and we had been evicted from where we lived in XXXX and moved to XXXX 
In 2005 I attended XXXX high school while living in XXXX XXXX. 
I have contacted navient, attempted to contact the school but is closed and has been for years, and Ive even hired a credit repair agency to help figure this out and have not had any luck.