23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have contacted Bank of America and asked for my title to be released through writing a letter of dispute to the BK department who forwarded it to the Lien release department. I was informed today that the bank will not release my lien unless I pay an additional sum of XXXX even though I have a print out showing my loan was at a XXXX balance after making the final pay off amount of {$960.00} on XXXX/XXXX/11. I also was forced to pay an additional amount of {$7700.00} after the XXXX balance statement was given to me on XXXX/XXXX/11. Please refer to my attached letter for additional information
Product: Debt collection

Continuous calls during the week and weekends. I get calls on Sunday morning even. I told them it 's not my debt and to stop harassing me and the calls continue. Calls are from Conn 's store debt collectors.
Product: Payday loan, title loan, or personal loan

I applied for a Payday loan on Moneylion.com. They states it would be paid back in payments of {$36.00} every payday until it was paid. I gave them my bank information. After giving them my bank information I was informed I did not qualify for the loan. I forgot all about it until my next payday when they took {$36.00} out of my bank account. I was told it was for their premium membership, which they did not state was where the {$36.00} a month was actually going and had nothing to do with the loan. I requested a refund 3 weeks ago and have been in contact with them since. First they had to let the payment process. Then it would take 5 business days. Now I emailed them yesterday and they said they had no record of the refund being requested or initiated and it would be another 5 business days. These people are the scum of the earth, please look into them. Im sure Im not the only person theyve bait and switched.
Product: Checking or savings account

I am a consumer with Wells Fargo bank. I made a purchase with a out of state XXXX XXXX furs. The merchant mailed me four fur jackets of which two were fakes and did not meet the description of my order. I reached out to the merchant right away. I was given the option at that time to mail back the jackets or to return them at one if their authorized locations here local in XXXX, GA. I did that right away. I was offered the option for other merchandise but I declined and was promised a refund via text message from XXXX my sales associate from XXXX XXXX : Me : Hey XXXX so Im just going to go with the other 2 pieces and requesting to be refund for the other 2 pieces to my account. Many Thanks XXXX XXXX XXXX ( XXXX ) Ok I will take care of it Me : Many Thanks whats my anticipated refund amount for those Merchant ( XXXX ) I will let you know when I have a minute ... very busy From this time forward I have not been able to get in touch with with XXXX furs by email, phone or text. As a result I filed a claim with my bank presuming that I would be protected from these scammers. I initially received a temporary credit from my Wells Fargo who is now trying to retract those funds from my account because my claim was filed incorrectly. I explained that I bought these jackets and that two were fake and that I returned them to the merchant the day they arrived at a local location here in XXXX. I reached out via text ( which by they way I supplied to Wells confirming that XXXX had agreed to a refund to my bank account ) as previously posted and was promised a refund back to my account. Wells Fargo has now sent a letter to me stating : We have completed our research of your inquiry about charges from XXXX XXXX. Based on the information you provided an additional information from the merchant ( which I learned later was a fake recipient that I never received ) we found the charges were made by you or someone who had permission and that my temporary credit in the amount of {$2500.00} would be reversed in 10 business days. I feel so violated as the bank that is supposed to protect me as their valued customer has processed a claim wrong for something that should have been clean cut and dry has now left me with no merchandise and seemingly a {$2500.00} bill. I am disgusted with how Wells Fargo is handling this in leaving me vulnerable to scammers like this. To add in regards XXXX XXXX they are a scam I learned that they are ordering the furs that they are selling from XXXX ( XXXX ) for {$200.00} or {$300.00} dollars and reselling these fake jackets for thousands. In hopes that they will be undetected in their scamming. I hope to resolve this situation by my bank resolving this claim in my favor and going after XXXX XXXX the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have check my credit report and I have found an inconsistency on My credit file, inquiries on XX/XX/XXXX from XXXX XXXX ; XXXX XXXX DEALER S ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ), please verify these items by providing sufficient documentation showing that they belong to me, please provide original application with my signature on. According to the section 609 of the FCRA you have to provide one hundred percent accurate and one humdred percent verifiable information or you have to immediately remove this entry from my file. Be aware that law specify {$1000.00} per unverified item on a consumer credit file. 
Thank you in advance for you quick responds.
Product: Vehicle loan or lease

SANTANDER LATE PAYMENTS ARE SHOWING ON XXXX, XXXX. AND XXXX AND I HAVE REACHED OUT TO GET THIS CORRECTED WITH OUT SUCESS. 

ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS. PLEASE DELETE ALL NEGATIVE INFORMATION REGARDING THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

XX/XX/year> : A representative of XXXX and another from XXXX XXXX XXXX XXXX  ( via door to door sales and the high pressure, deceptive acts typically associated therewith ) & gave a sales pitch whereafter documents memorializing the verbal representations were to. E sent to me for review. At no time did I see, review or sign ( electronically or in ink ) any document. Instead, apparently each promptly emailed me XXXX pages of agreements and other documents which were purportedly signed by me. Im a retired attorney. I KNOW not to sign anything I have not read let alone agreed with. Upon learning the extent of this identity theft or fraud, I have spent these last XXXX months of my remaining life being given the run around without remedy. Lies, lies. 
Also, XXXX and either XXXX or their partner, XXXX XXXX have created a {$4000.00} line of credit for XXXX equipment costing approximately {$2400.00}. XXXX created a home improvement or mortgage for {$17000.00} XXXX 
I need my full file disclosure from the credit reporting agencies to ascertain HOW they did this behind my back damaging my credit score & causing the clear title on my home to be encumbered. I inherited my home & have worked hard to maintain title free and clear to leave to my XXXX kids and XXXX. At this rate, Ill be dead and unable to leave my home to my kids without XXXX either lien the property though no solar was ever installed. Im completely exhausted from this awful, horrible, illegal, activity that I am in no way responsible. Please help.

I have numerous documents including a myriad of emails between the parties which I can upload tomorrow.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the CFPA.
Product: Checking or savings account

On XX/XX/2023, I lost my physical debit card ending in XXXX. This means debit card was no longer in my possession. On XX/XX/XXXX an unauthorized charge of {$70.00} was made at an XXXX Location I had never been to and beyond the the vicinity of my physical home address. I did not make this purchase nor did I authorize this. I filed a complaint of dispute in accordance with the FBCA on XX/XX/XXXX to dispute this unauthorized charge with Capital One Bank and on XX/XX/XXXX Capital one erroneously claimed that this charge was valid due to the chip card being used at a chip enabled terminal. I had already attested that the card was lost and that the card was not in my possession and Capital one is now making me responsible for this unauthorized charge despite knowing this. These charges also dont align with my normal gas purchases which are consistently all under {$55.00}
Product: Vehicle loan or lease

Good morning, I spoke on behalf of my mother XXXX XXXX and XXXX XXXX, who had previously made a claim regarding the fact that we both became ill in the month of XX/XX/XXXX until XX/XX/XXXX in very poor health and we asked that the payments be removed for the last year of the contract, which we have every right to, which they refuse at all times, we have been even again subject to obscene words and offenses from the representatives, they never want to transfer to a supervisor and they also do not want to enforce the law, according to them the contract says one thing and which we have the contract in our hands and in no paragraph does it say that we can not suggest for health reasons that we fail those payments for those months, which they admit that they can only do that in the life of the contract and others that each year of the contract and others that they can not that only in case of a real emergency that they can do another emergency that my mother was operated on and I had a XXXX XXXX and we are also exclaiming for more than 11 months that they scammed us with sales of extended warranties that we did not authorize and We want to cancel them and neither the dealer who sold us the car, XXXX XXXX, nor the Honda Financial Service bank want to. We want our rights to be respected. We are also seeing hidden data in the sale of the car as to why the payments are so high. I just started working and I had to make a quick payment to avoid being repossessed by them. They don't give a XXXX about our health.
Product: Student loan

We did get SOME assistance back in XXXX as Navient took the payments that they posted incorrectly and redistributed them so that it showed our accounts up to date. They also retracted their submission to the collection agencies for both me and my son so our credit scores were returned to where they should be. 
However, my son should have graduated with XXXX XXXX in XXXX XXXX. Because I am/always was single mom, dad nowhere in sight, I was laid off from middle management and could n't find other work and other problems ( the list goes on ), we have not been able to get more loans and he is STILL in school full-time. But Navient wants $ XXXX per month still and now 2 XXXX XXXX XXXX have kicked in wanting payment. 
I believe I got " loan forgiveness '' for past federal loans but now he has more federal loans as he still files his FAFSA each year. We do not have the money to pay all of this back right now - but do n't want these loans to grow. For instance, he has one XXXX XXXX loan that was for {$9500.00} that is NOT asking for payments yet, but the balance of the loan is over {$11000.00} due to the interest accruing. And we ca n't do anything about it because we do n't have the money. 
This student has worked full-time practically since he was XXXX. He still works the same job, now very full-time. But we both have typical monthly bills to pay. As I was laid off right after he started college and have been unable to recover financially, unable to find a good job over the years from XXXX to XXXX, and then started to have medical issues XXXX after another. I 've been hospitalized 4 times over the past year having NO HEALTH COVERAGE, was turned down for XXXX 3 times until just recently. Of course, I can not find doctors who actually take XXXX insurances so I have to rely on clinics with waitiing times of 3-4 months when making appointments. I had used ALL of my XXXX monies between mortgage and his college and have sold my car and now my home. Just yesterday it cost me over {$50.00} in cab fare to get to/from a medical appointment. 
MY QUESTION IS - IS THERE ANY ASSISTANCE OR GUIDANCE YOU CAN OFFER REGARDING THESE STUDENT LOANS? Either to defer without additional costs or consolidation. I went through pages and pages on XXXX website to consolidate the XXXX loans there and was told that the consolidation was approved. Yet they continue to send XXXX separate bills with XXXX different interest rates of XXXX, XXXX, XXXX and 9.25 %. So after I jumped through all their hoops - they did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX   XXXX   XXXX  accounts reporting on my Experian,  XXXX  and  XXXX  reports. One ends in  XXXX  and the other ends in  XXXX . Over the past year, I have disputed the validity of these accounts multiple times. These disputes should be available in your database. Each time I 'd submit the dispute, I received some silly letter from  XXXX   XXXX  saying, " We received your dispute, but most of the time when we receive disputes, they 're either the result of an error or other mistake, so we are n't taking your dispute seriously. '' Finally in  XXXX   XXXX , I was able to get  XXXX   XXXX  to investigate the accounts.     FCRA states that when an account is in dispute, the lender  MAY  NOT report the account as delinquent or demand that the amount owed be paid until the lender completes its investigation into the matter. If the lender determines the balance owed to be legitimately owed, the lender must give the customer sufficient time -- usually 30 days -- to make payment on the amount owed. Even though I disputed these accounts countless times,  XXXX   XXXX  continued to report them as delinquent. When  XXXX   XXXX  received my dispute and actually paid attention to it, they still continued to report my accounts as delinquent despite the fact that the entire amount owed was in dispute. On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX ,  XXXX   XXXX , and 60 days delinquent in  XXXX   XXXX , 90 days delinquent in  XXXX   XXXX  and then 30 days delinquent in  XXXX   XXXX . On account  XXXX ,  XXXX   XXXX  reported a 30 day delinquency in  XXXX   XXXX  -- again, the time of the dispute. These were the times I was disputing this account with  XXXX   XXXX . As soon as  XXXX   XXXX  informed me of the legitimacy of the account/charges, I promptly paid the account.     I have contacted  XXXX   XXXX  about this, explained that they were not to have reported my accounts as delinquent while they were in dispute, but they refuse to make the correction to my credit report. By refusing to correct this,  XXXX   XXXX  is violating the provisions of the FCRA. My final recourse is to ask  Experian ,   XXXX   and  XXXX  to make these corrections.
Product: Debt collection

My mother in law passed away in XXXX. Her only income was Social Security for many years prior to her death. 

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing. 

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the XXXX. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect. 

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day XXXX, XXXX works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, XXXX, XXXX '' Really??? Life certainly happens but so does DEATH. 

- I told them 2x she died in XXXX. 
- I requested they remove my address from their system. She never lived with us. 
- I told them there was no estate. 

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, whiviolate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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 or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report that is not correct. There are several inquiries on my report that I did not authorize and should be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED Miscellaneous Government XX/XX/XXXX XXXX DEPT OF ED Miscellaneous Government XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXXXXXX XXXX XXXX XXXX XXXX
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 USC 1681. 
Account name : Account XXXX XXXX Account number XXXX Account XXXX XXXX  Account number XXXX Account XXXX  XXXX Account number XXXX Account XXXX  Account number XXXX Account XXXX XXXX XXXX Account number XXXX Account XXXX Account number XXXX Account XXXX XXXX  Account number XXXX Account XXXX Account number XXXX Account XXXX Account number XXXX Account XXXXXXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Account name : XXXXXXXX XXXX XXXX Account Number # XXXX : Account Name : XXXX XXXX, Account Number # XXXX : Account name : XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

Our XXXX, XXXX, XXXX, and numerous other recurring charges were not paid, numerous checks were bounced, and our debit card has been diabled for a month denying is access to our entire savings and our retirement income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts are showing paid, closed. This is inaccurate. I believe this is double reporting as I have an active consolidated account with a balance totaling {$21000.00} the same amount the XXXX accounts inaccurately is being reported.
Product: Payday loan, title loan, or personal loan

I made an extra online payment of XXXX on XXXX and my regular auto payment of my monthly payment is still pending. This was supposed to go to principal and then i looked today they took out XXXX of INTEREST Payment Breakdown Below : Principal {$1200.00} Interest {$290.00} Fees {$0.00} This was a PRINCIPAL PAYMENT in addition to a monthly payment. If there is no pre-payment penalty why am I being charged interest for an extra Payment??
Product: Debt collection

Oportune Progreso Financial, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. 

When I spoke to a representative at Oportune Progreso Financial, he stated no information was available as the debt had been sold to another company. 

When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. 

I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.
Product: Credit card or prepaid card

I have been a cardmember of American Express for 26 years. I noticed my minimum payment getting higher and higher and I was barely using the card. I started reviewing my statements and realized not only was the APR going up on new purchases, but purchases from way back in the past. I had no idea that they could raise rates, except on new purchases. Now I can not afford to pay this and every payment I make is not making a dent in the exorbitant rate ( at one point it was 12 %.. then it became 16 %.. then 20 % .. now the rate for past purchases is 22 % and the APR for purchase is around 26 %. I never miss payments so this isn't a penalty. 

I contact American Express and the best they could do is lower APR by a point .. which is still making me unable to pay my bill. It seems like I am totally at their mercy to charge whatever they want, whenever they want. And I am never late on any payment so I have no idea why I am getting penalized this way. 

I do not recall this ever happening and I do not recall seeing any communication on this.