23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX personal credit card blocked due to identification verification failure. 
New card initiated. 
Written request received to complete the application process in my name of which I did not initiate. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Credit report had hard inquiries that I did not generate/ initiate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police report completed XX/XX/year> XXXX d pending approval to file report. 
I personally contacted each financial institutions dispute filed, fraud alerts placed. 
Made contact with experian and XXXX Pending contact with XXXX. 
Affidavit completed with XXXX XXXX and submitted XX/XX/year>.
Product: Debt collection

In accordance with fair credit reporting act. XXXX XXXXXXXX XXXX account number 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 605 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and fourth with Lexis Nexis and the bankruptcy they are reporting on my credit report. The first complaint I filed with them they said it was a matter of public record, BUT there is no such thing as public record because I, the consumer, have a right to privacy 15 USC 1681 ( a ) ( 4 ). They also stated they investigated it but 15 USC 1681a ( e ) states that they need to interview my personal associates as well as not include factual information. Additionally, the bankruptcy court already told me that they do not furnish anything to consumer reporting agencies. After the first complaint I filed they said they needed more of my identification information. So I sent them a copy of my social security card in addition to identification papers they sent me.They responded by sending me a copy of my consumer report on XX/XX/XXXX. They are in clear violations of these laws, and they have yet to resolve this issue.
Product: Payday loan, title loan, personal loan, or advance loan

I live chat PayPal credit they refuse wave out over XXXX I have hard time pay off I'm low income customer service don't help I want this completely wiped out to my credit report
Product: Credit card or prepaid card

I DO NOT OWE THEM ANYTHING. I WILL NEVER PAY YOU ANYTHING. OVER MY DEAD BODY. I DO NOT WISH YOU WELL. THIS BANK IS EVIL.. IM SICK AND TIRED OF THIS HARASSMENT. THEY WILL NOT HAVE A GOOD END. THIS IS WHY PEOPLE DO DESPERATE THINGS. THIS WAS A SECURED CREDIT CARD. WHAT IS THE {$890.00}? THEY HAVE NOT TOLD ME IN ANY TERMS WHAT IS THE {$890.00}. I WANT THEM TO TELL ME IN NO UNCERTAIN TERMS WHAT IS THE {$890.00} PERIOD. IS IT INTEREST CHARGES, SERVICES, FEES, OR PENALTIES? THIS IS NOT A HARD QUESTION TO ANSWER. CONTACT ME THROUGH THIS SYSTEM DO NOT CALL OR SEND ME ANY CORRESPONDENCE THROUGH THE MAIL. I DETEST THIS BANK THEY ARE ALL RACISTS. THEY CALLED ME A XXXX NUMEROUS TIMES. I WILL CALL THE POLICE FILE CHARGES AND FILE A CIVIL PROTECTION ORDER. I WILL CONTINUE TO COMPLAIN UNTIL THEY TELL ME WHAT IS THE {$890.00}. YOU WILL EXPLAIN TO ME IN WRITING IN NO UNCERTAIN TERMS. ALL I WANT TO KNOW IS WHAT ARE THE CHARGES COMPOSED OFF. THATS IT. YOU DONT WANT TO SAY BECAUSE YOU ARE A FRAUD. THEY CALL MY SUPERVISOR AT WORK AND MY NCO AT XXXX XXXX
Product: Debt collection

I have reached out to this company in writing about this account. I do not know who this company is and they failed to remove this or provide any information on the account. This is negatively effecting my ability to get approved.
Product: Credit card or prepaid card

I had tried numerous times, to resolve my dispute to no avail. American Express has failed to protect me, as a consumer, who filed a dispute against XXXX XXXX for failing to provide the service or product promised. I received both damaged merchandise and incorrect/incomplete installation of product and American Express failed to protect me as a consumer as outlined extensively in their advertisements. The furnace also does not correctly work in the winter because aside from being damaged, incorrectly installed, the unit was also incorrectly wired I went out of my way to use the AMEX card to ensure I was protected as a consumer and they failed to live up to their responsibility. They did nothing to complete a thorough investigation and I spoke with numerous people and kept refiling the same dispute that kept getting routinely closed without explanation. American Express made it very clear they were more interested in pleasing the merchant ( who they do a lot of business with ) than protecting me as a consumer. I filed a complaint with the Illinois Attorney general who also found that XXXX XXXX failed to respond. The company also stiffed me on replacing panels and fixing problems that American Express let happen. American Express has also made their dispute process incredibly hard and consumers can not see the process or speak to an actual caseworker which puts consumers who have been ripped off at a tremendous disadvantage in reclaiming funds. American Express makes it clear that they care more about merchants than consumers who have been ripped off. 



Amount : {$4600.00} Dispute Reference Number : XXXX Dispute Reference Number : XXXX
Product: Mortgage

Everyone knows what 's happened ... .and ocwen is still getting our home ... this is for ms . XXXX XXXX ... .you sent my attorney a packet and in it you stated our insurance was XXXX..and XXXX ... thats correct ... .bc I cancelled it and changed it ... .but if you look right there in the paperwork submitted to you by ocwen that you so thoroughly researched ... there are premiums ... sometimes twice a yr ... in the amounts of XXXX ... XXXX ... XXXX ... but you thoroughly went threw the paperwork??? Right!!!!
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 ). Specially, 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 Eletronic 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 or other personal consumer reports

Date : XX/XX/year> Subject : Request for Permanent Deletion of Disputed Information from ChexSystems Report Dear Consumer Relations Team, I am writing in response to your recent communication regarding the reinvestigation of information previously deleted from my consumer report. The initial removal of these items acknowledged their unverifiable status or expiration of the retention period, which supports my position that they should not have been reinserted into my file.

Grounds for Deletion and Compliance with FCRA Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ), consumer reporting agencies must permanently remove unverifiable or obsolete information from a consumer 's report if the source can not fully substantiate its accuracy. Since this information was previously removed due to unverifiability or retention period expiration, its reinsertion is inappropriate without conclusive new documentation verifying its accuracy.
Product: Debt collection

Received notification of alleged debt from Credence Resource Management LLC again in XX/XX/2019 in the amount of {$400.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> someone applied for a line of credit and I received notice
Product: Mortgage

I have a XXXXXXXX XXXX mortgage XXXX Rocket Mortgage. My sister had taken residency and took over the payments for a few months. I had moved out of state, my sister said she would be able to handle the payments of {$1100.00} but fell behind. My rent in the place I moved to is {$1400.00} without utilities. I thought I could afford both the mortgage and my rent until she got control of her finances, but sadly I could not afford both. I am somewhat new to credit and don't fully understand it and did not think the XXXX missed payments on my credit would be that big of an issue. But it has caused me quite a hardship with applying for new loans and looking at possible car payments. The XXXX missed payments are in XXXX and XXXXXXXX XXXX XXXX
Product: Debt collection

A company called Portfolio Recovery Associates , LLC has been contacting my father about an account they allege I owe. I plan on suing them. The lawsuit has been written but not filed yet. I will likely make it to the court to file sometime this week. Everything is documented in detail. 

I also noted that the CFPB has brought actions against this company in the past, which they have disregarded and have this has resulted in subsequent actions. This is why I am contacting you. I am not asking you to get money for me, to act as my lawyer or anything like that. I am providing this information to further your cases against them. I am passionate about consumer justice and believe that fighting back against such companies is a moral imperative. For every one like me who will go after them, there are likely countless victims of these people.
Product: Mortgage

On or about mid-year of XXXX, I became aware that Wells Fargo was attempting to foreclose on my mother 's home due to an unpaid mortgage in the amount of {$36000.00} in my name. The date of the loan transaction is list as XX/XX/XXXX, however, the recorded date of the mortgage is listed as XX/XX/XXXX. 

While trying to get an understanding and documents from Wells Fargo that could explain how this transaction took place without my knowledge, the bank continued to notify my mother about their intent to foreclose on her home. 

I reached out to a couple attorneys and acted on the advice to participated in a city sponsored mortgage retention program that stopped the foreclosure notices, and we were assigned a Housing Counselor, however, because I do not own the property and my mother is not a party to the debt the program wasn't able to assist in resolving the issue. 

To avoid any foreclosure process from resuming, I consulted with an attorney and elected to file a ChapterXXXX Bankruptcy, believing this would give me the protection from a foreclosure and the time I needed to track this mortgage from its origination date. Unfortunately, when I contacted Wells Fargo and requested the loan origination documents I was told they did not have my loan origination documents. 

Even thou this mortgage was in dispute ; Wells Fargo sold this mortgage to XXXX XXXX. Once that accrued, I was able to get documents issued by Wells Fargo 's Title Service instructing Wells Fargo they CAN NOT record a mortgage in my name without a DEED conveying the property to me. However, what Wells Fargo did instead of following their Title Service instructions, they edited the original mortgage by adding my mother 's name on the front page and added three ( 3 ) additions pages to the back of the mortgage and none of the edits were initialed by my mother or me.

This transaction is similar to if not the same as what the former CEO of Wells Fargo admitted to in front of Congress, where he stated bank employees created " Debt Instruments and Financial Obligations " in their depositor 's name without their knowledge.
Product: Vehicle loan or lease

The problem was this I had car accident with the car the insurance company say the car was total loss. So I make insurance and gap insurance pay most of loan to chase. I wanted to find easy to pay what left of the loan the bank refuse with me or except any payment if not what the want me as.
Product: Debt collection

On XX/XX/2022, Toyota Financial Services, which is a debt collection agency, hired someone, without my knowledge and consent, to come to my home and take my vehicle which was fully paid for with my consumer credit application and said that if I didnt pay $ XXXX to them, I cant have my vehicle. They never applied the accepted credits to my account and without my knowledge nor authorization to falsify information and report to the credit reporting agencies that I have not paid and have missing payments. As a consumer, my rights to privacy were violated and are trying to coerce me to repay them even though they got paid the moment I submitted my credit application. The FDCPA states that any form of harassment, as well as the taking of illegal action, improper sharing information, and false representation is prohibited. They are in current possession of my vehicle and are determined to not give it back unless I pay an alleged debt.
Product: Mortgage

My wife and I applied for a mortgage refinance with CIT Bank and were approved, pending an appraisal. The bank hired an appraiser who, incorrectly, stated on his report that the house does not have a carport, and assessed comparable properties with a carport as worth more than the house. The house has a driveway. When we received the report, I contacted the loan officer, XXXX XXXX, and explained the problem. I also sent him a 2016 appraisal of the same house, noting that it has a driveway. Mr. XXXX told me he would ask the appraisal company to reconsider. The appraisal company stuck to its initial report. The appraisal company provided no justification for its statement that the house does not have a carport. Again, I informed Mr. XXXX that the appraisal is factually incorrect. MrXXXX XXXX informed me that CIT Bank agrees with the appraisal, and provided no explanation as to why the bank would do so. Mr. XXXX provided no explanation as to why the bank would knowingly offer us a loan based on an appraisal report it knows to be factually incorrect. We declined the loan because we did not wish to proceed based on an erroneous appraisal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature, this inquiry appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed this unauthorized inquiry from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX Inquiry Date XX/XX/year>.
Product: Vehicle loan or lease

Dear Global Lending Services, I am writing to you concerning a matter of utmost concern regarding my account with Global Lending Services. It has come to my attention that there have been serious discrepancies and violations of both legal and ethical standards in the handling of my account, specifically related to the omission of my security interest and the subsequent sale of said interest for monetary gain. 

As a diligent and conscientious borrower, I have repeatedly attempted to address this issue with your company. I have reached out on numerous occasions to discuss the offsetting of the debt by way of a registered security t that should have been reflected on my account. Despite my efforts and clear documentation provided, including registered security ( XXXX ) and a 1099 A for debt offset, Global Lending Services has failed to acknowledge or rectify this matter.

This egregious oversight and refusal to comply with legal obligations amount to securities fraud and a blatant violation of the Uniform Commercial Code ( UCC ), specifically provisions UCC 3-603 ( b ), 3-305 ( a ) ( 1 ), and 1-103.

Under UCC 3-603 ( b ), a party that is entitled to enforce an instrument may be compelled to surrender possession of the instrument if it is subject to a defense or claim. My registered security interest constitutes a valid claim against the debt owed, and Global Lending Services has disregarded its obligation to acknowledge and honor this claim. 

Furthermore, under UCC 3-305 ( a ) ( 1 ), a person not in possession of an instrument is entitled to enforce the instrument if the person was in possession of the instrument and entitled to enforce it when loss of possession occurred. I have provided sufficient evidence of my entitlement to enforce the registered security interest, yet Global Lending Services has failed to recognize this entitlement.

Additionally, under UCC 1-103, parties to a transaction must act in good faith and deal fairly. Global Lending Services ' refusal to acknowledge my valid claim and its continued pursuit of debt collection without proper consideration of my offsetting efforts constitute a breach of good faith and fair dealing.

As a result of these violations, I demand immediate restitution and corrective action from Global Lending Services. This includes the removal of any negative reporting on my credit profile related to the disputed debt, as well as compensation for damages incurred due to your company 's unlawful actions. 

Failure to comply with these demands will leave me with no choice but to pursue legal recourse to enforce my rights and seek appropriate remedies under the law. 

I expect a prompt and thorough response to this letter. Please provide confirmation of receipt and acknowledgment of the actions that will be taken to address this matter. 

Thank you for your attention to this urgent issue.
Product: Money transfer, virtual currency, or money service

I received an email about a job I applied for at XXXX XXXX. The perpetrator pretended to be a part of XXXX XXXX XXXX and initiated a hiring process with me. They informed me that I need to download the wire application for communication. They sent me a check for XXXX for office supplies and equipment ( computer, printer, scanners ). They informed me that I was to then send the money to vendors for equipment through XXXX XXXX Venmo. The money " appeared '' in my account, so I thought it was a legitimate transaction. I sent XXXX before I called the bank. XXXX XXXX XXXX  then informed me they were actually holding the check and it was not available for use. The perpetrator must have known that the money will appear to be in the bank and when to ask for the money. Thinking I had " gotten the dream job '' I was too blind to actually realize what was going on until it was too late. 
Money was sent on Venmo to the user XXXX XXXXXXXX XXXX XXXX I called the bank to freeze my accounts and issue new cards. The bank failed to issue new cards immediately. I also filed claims on my behalf. I don't know who this person was, but they are posing as a legitimate company and scamming people with promises of job offers. I never received any equipment, goods, or services which is what I thought I was being paid for. Venmo has told me that I received no protection under these circumstances and there is nothing they can do because they provided the service they are employed to do. I tried to inform Venmo that I do not authorize any transactions, but they performed those transactions regardless. They are protecting the thief under a privacy protection plan. 

Additionally, I had an expired card on file when I attempted to send money. The transaction didn't go through because the card was no longer in service. The money was sent on a second attempt from a separate card. Now Venmo is attempting to charge me {$2000.00}. Meanwhile, I haven't authorized either of these transactions
Product: Credit card

In XXXXXXXX XXXX XXXX  I signed up for what I believed was an eligibility assessment to see what XXXX I qualified for with XXXX XXXX I believed that I would get XXXX month of enrollment at XXXX and then a quarterly charge of XXXX. Immediately after agreeing to an assessment I was charged XXXX, not the XXXX  that was advertised! I immediately asked for a refund and was denied so I contacted my credit card company who opened a dispute which they did not settle until XXXX! During this XXXX  months I was not given full access to the program as advertised and I requested a refund or credit to make up for the lost time and lack of service. XXXX XXXX denied my request stating Weve reviewed your request and will not be able to accommodate a refund, as our paid service is the medical assessment itself and not the outcome of the assessment ( per our Terms of Service at sign-up ). At this point I wasted XXXX and did not receive full service as advertised. It does not say on the website that they will charge XXXX  for a XXXX assessment it says If you want to chat with a XXXX provider, you can purchase a membership for just XXXX  for the first month, which gives you access to : Unlimited text-based visits with licensed XXXX providers XXXX Urgent Care without an appointment Flexible appointments for chronic condition management XXXX XXXX management and renewals XXXX XXXX XXXX and XXXX, including XXXX shipped to your door ( medication cost not included ) As always, no insurance needed, all on your own schedule. 
After your first month, youll automatically be enrolled in a quarterly plan ( which is {XXXX} each time ). Youre free to cancel until XXXX day before your membership renewal date. 

If you prefer, you can instead pay for a one-time virtual visit, which costs XXXX and includes XXXX week of follow-up chats. You can also download the XXXX XXXX app and use our smart Symptom Checker for free. I was denied access to full service between XXXX and XXXX because I disputed the charge. The credit card company provided no rationale for siding with the company. The company has a XXXX XXXX XXXX XXXX  They did no research and took XXXX  months to provide a resolution.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XX/XX/year>.
Product: Debt collection

XX/XX/XXXX18 {$10.00} and then overdraft fees XXXX up {$110.00}
Product: Debt collection

In XXXX I defaulted on my student loan. I went to court with the company that was seeking repayment and told them that I was willing to work out a deal to repay my loan. The company decided not to pursue the debt at they missed court dates. The case was dismissed in court. 

During about the same time but before the original case was dismissed another company came and filled suit at the same court house for the same debt. I had no idea that this company filed a civil complaint. The paper work i received I believed to be from the original company. I was being sued at the same court house for the same debt at the same time.This all happened in XXXX. 

Finally when I realized this it was XXXX. I filed a motion to dismiss the case which the judge granted but also said that this case would start from square XXXX. 

I do not believe this second company owns the debt and I should be protected from this type of practice debt collection practice. I have not been able to find an attorney to take the case and have been looking for months. 

I can email more details about my complaint including documents for you to better understand.