23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo Bank used my money without my knowledge or consent to purchase two accidental death policies. One they took {$440.00} from XXXX to XXXX. Another the used {$4200.00} of my money from XXXX to XXXX. They will not admit fault, say where they took the money from, or who the policy was bought from. They are just saying it was done. I never received any detail about these policies in the mail so I am left to search for the information myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to Experian and XXXX  Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.
Product: Mortgage

There are persistent issues with this bank, Cornerstone Home Lending. Ever since I closed my house this with this company it has been unable to accurately escrow my account or pay taxes on time. For XXXX, I got legal notices saying i needed to pay my taxes becasuse this bank did not pay them. I had to submit a request for them to pay them and they did so late, paying late penalty fees. Again, they inappropriately applied my homestead exemption when calculating these and most recently, the real issue, is that they have misrecorded my XXXX taxes which has affected the affordability of my monthly payment. I owe school taxes to XXXX County ( {$3800.00} ) and real estate taxes to XXXX County ( {$2700.00} ). For XXXX, they combined these payments into their system and just called them " XXXX County '' taxes and it shows the combined total amount of taxes paid but, solely for XXXX County. For XXXX, they now assess my total annual taxes for XXXX based on this incorrect figure and then on top, applied my insurance and XXXX County taxes. This in turn has raised our monthly payments by over {$400.00} a month and we are in danger of foreclosing on our account if not immediately fixed. I've asked this bank to fix and they said they already did the assessment in XXXX of XXXX and can not help. I have to resort to CFPB to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed
Product: Money transfer, virtual currency, or money service

Krakens ( Payward , Ltd. ) transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Krakenpayments that first took place on XX/XX/2020. 
I have been victimized by a multilayered scam operation orchestrated byXXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amountof XXXX EUR! 
I would also like to point out that on XX/XX/2020 - I filed adispute with Kraken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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

I submitted my complaint of XX/XX/XXXX and received a response that all permissible inquiries, shall remain on the credit report for two years. These are not permissible, " I have not applied for any account with the companies listed below '' These are not authorized hard inquiries. 

Never applied for and I never authorized, to have my credit pulled. Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. Factual Data XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX   XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and would like to inform you of the inaccurate information that you are reporting under fair credit reporting that you are reporting, under fair credit reporting act 15 usc 1681a ( fairness of accuracy ) & 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) ( d ) ( 2 ) ( ii ) the accounts listed as DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 
DeptedXXXX are currently reporting inaccurate information XXXX, XXXX, and Equifax are reporting the date opened all different across all 3 reporting agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. incorrect last reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the incorrect date of last payment XXXX/XXXX/XXXX, XXXX, incorrect date of last active XXXX, all Bureaus are in violation of the law. Please DELETE!!!!!!!!!!!!!!! 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract..however I did not give any written instruction nor did I authorize these unauthorized inquiries onto my consumer report. Attached to this complaint will be my FTC REPORT SHOWING THAT THESE ARE FRAUDULENT INQUIRIES
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Debt collection

I filed XXXX XXXX bankruptcy in XXXX. I paid my bankruptcy off in XXXX, all debts were discharged. I receive a call from XXXX last week stating that they are feign to collect a debt that was sold to them from Quick Credit in XXXX SC. I let them k ow this debt was discharged through bankruptcy. On XX/XX/XXXX this account was put on my credit report. How does an original credit sale a debt that was discharged through bankruptcy. I have reached out to Quick credit and XXXX. I am in the process of buying a house and due to this debt being added to my report my score has dropped and I may not be able to buy my house now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a dispute was opened which I ask XXXX  to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court  who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.
Product: Mortgage

Thanks for your time and diligence. With my deepest regret doing business with OCWEN/PHH Mortgage company for their blatant discriminatory approach not allowing me to attempt a SHORTSALE on my property/Review my short sale application- we believe and equally feel unfairly treated and not given an appropriate chance at short sale review. 
Unfortunately i was approved for a short sale during the XXXX period but the purchase had taken XXXX and XXXX  of XXXX related XXXX  before closing. Therefore we were unable to close the transaction/sale of the property. 
OCWEN/PHH continue to hold me accountable totally insensitive of the circumstances leading to incompletion of the sale- a situation out of control.

I truly need this note to be reconsidered for a short-sale/re-open my file.
Product: Debt collection

Collection agent by MRS BPO, L.L.C. in behalf of their customer XXXX XXXX. 
XXXX claimed I owed them equipment, however ; I never used their equipment, I used my own private equipment. 

MRS BPO sent me a letter saying I owe {$59.00} account XXXX dated on XX/XX/XXXX, as of today XX/XX/XXXX said the account is no longer with MRS and to contact XXXX. 

Both have refused to send a letter to me advising it was a mistake and i do not owe the {$59.00}. 

How can i get for XXXX XXXX and MRS BPO to send a formal letter advising me i do not owe the XXXX.
Product: Credit card

Dear CFPB officers, My complaint is about CapitalOne Venture credit card I had. I had been using this card for about two years. In this first year, it worked well so I continue to use it and paid the annual fee of {$59.00} early this year. But since then, this card became very hard to use. In XXXX and XXXX 2016 all attempts to sue this card were all declined. I call the customer service many times and spent hours on the phone, but they could not resolve this problem. In XXXX 2016 I again was declined. I called the customer service again. This time, a lady named XXXX ( Employee ID XXXX ) tried many ways but I still could not charge to this credit card. Even when she was with me on the phone when I tried to use this card, the problem was still there. Since I can not use this card, I had to close it. But CapitalOne refused to refund me the annual fee I had paid. My point is that I paid the fee for service. Since CapitalOne can not provide the service, they should refund me. After communicating with CapitalOne many times, they still refused to refund. So I have to resort to CFPB for help to get the refund I deserve.
Product: Debt collection

On XX/XX/2015, I brought my son to the Emergency Room at XXXX XXXX in XXXX, MI with a XXXX  on his XXXX  that I did not want to get infected. As we were about to be released, the doctor took a last look at my son 's XXXX  and decided he should go to University XXXX XXXX   XXXX XXXX Hospital in XXXX XXXX, MI. He stated they would arrange the transportation. XXXX XXXX XXXX transported my son the thirty-two miles to XXXXXXXX XXXX XXXX Hospital in XXXX XXXX. Their billed rate was {$1100.00}. My health insurer at the time, XXXX, was ending my plan at the end of the year as they were purchased/merged with XXXX. The claim number is XXXX. After much time on the phone to remedy the billing issue, XXXX ( now part of the XXXX family ), issued payment to XXXX XXXX XXXX their contracted rate, {$880.00}. For some reason, XXXX XXXX XXXX charged the difference to me instead of contacting XXXX/XXXX  for any billing discrepancies. My coverage plan contract covered 100 % of the charges after I met my family deductible ( which I did meet ). Due to the length of time it took to resolve, it has been sent to collections and subsequently damaged my credit rating. I should not be responsible for the lack of communication between a Healthcare Insurance provider and its contracted vendor. The collection agency which represents XXXX XXXX XXXX XXXX Merchants & Medical Credit, will not listen to anything I have to offer, excepting method of payment. Thanks in advance for taking the time to read.
Product: Debt collection

The original credit card company XXXX XXXX confirmed with me that information they had regarding my balance and payment history was incorrect. They agreed to remove it from my credit report but instead sold it to a this party LVNV Funding LLC. This company had the wrong information. They added this debit to collections which is causing my credit score to decrease which is affecting my chances of buying a home and even a car. The constantly call me and refuse to listen when ai ask them to send me information regarding my XXXX XXXX credit balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent Equifax a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. 

On XX/XX/2019, I received confirmation from Equifax stating that the public record was verified by XXXX on XX/XX/2019. 

On XX/XX/2019, I sent another certified letter with proof that XXXX has no bankruptcy record on file for me and they have 15 business days to delete it from my credit report. 

On XX/XX/2019, Equifax sent a letter still insisting that they got their information from XXXX, which isn't true. 

Today, I come to you because my rights have been violated under the FCRA by Equifax continuing to report a public record on my credit report even after I sent the verifiable proof from XXXX to them, which states that I have no public record with XXXX. I ask that you hold Equifax accountable for their non-verified practices of the law and to demand they delete this public record from my credit report immediately.
Product: Bank account or service

I am trying to make a payment to US Bank. There is no way to reach them. Online does n't work ; they no longer answer their hone at the branch. They offer no way to make payment. If I mail it, it takes up to 10 or 11 days to get there. HELP!!!
Product: Credit reporting or other personal consumer reports

A couple of years ago specifically some time in XX/XX/XXXX disputed an account which was inaccurately being reported on my XXXX report. After not 1 but 2 disputes XXXX removed the XXXX XXXX XXXX account from my report. I also use Experian for additional credit monitoring services as well as XXXX XXXX. Both companies Experian and XXXX XXXX has the XXXX XXXX XXXX account reporting and negatively affecting my XXXX XXXX. I contacted both companies and even filed a complaint against Experian for reporting the account as it is not listed on my XXXX report. I came to the realization that both Experian and XXXX XXXX are reporting information provided directly through XXXX. My problem stems from XXXX 's inability and/or unwillingness to correct the problem. Upon speaking with numerous customer service representatives XXXX XXXXXXXX I am being repeatedly told because the account is not listed on my report with them there is no recourse. I just need someone to explain to me how to correct this error. I have both XXXX XXXX and Experian saying they're only reporting information provided by XXXX and XXXX denying culpability saying they can not report an account that is not in my credit file.
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. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comly with error resolution requirments under the Electronic Fund Transfer Act and Regulation E. These actiong have caused significant inconveience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I dispute the collection agency online with XXXX and they sent back verified with updated information. I sent a debt validation on XX/XX/2021 to Credit Control with no response. Then I sent another pay to delete letter to them on XX/XX/2021 and still no response from the collection agency. Today, I am sending out letters to the all three credit bureaus to see if they can provide more information because I am not getting any answers.
Product: Credit card

I paid XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) a total of {$2200.00} for dental services received. I paid with my XXXX card issued by Pentagon Federal Credit Union ( XXXX, VA ). I was overcharged by XXXX in the amount of {$920.00} as stated to me in written document sent by my insurance company, XXXX XXXX ( XXXX ). I requested a refund from XXXX due to their knowingly overcharging me from the rates agreed to between them, myself and my insurance company. XXXX refunded me the amount of {$780.00}, credited to the original form of payment ( credit card issued by PFCU ). In this way they admit I was overcharged and issued two payments as refund. However I am still owed {$130.00}. I asked the credit card company to intervene and initiated a dispute. PFCU told me my dispute was not timely and therefore it was rejected. They are holding me liable for whatever XXXX tells them I owe and fails to refund. PFCU has even charged me interest on the amount I still am disputing and are holding me liable. I explained that the reason for the delay in bringing the dispute was not due to negligence on my part but on intentional delays by XXXX and XXXX in trying to resolve the issue and I could not proceed only I obtained something in writing from XXXX stating clearly the amount I owed as opposed to the amount I was charged. I tried to get PFCU to initiate a new dispute after each refund XXXX gave me and perhaps start the clock again, but they have not done so and insist on holding me liable for XXXX 's fraudulent charges. They refuse to give me the protections I am due for credit card purchases. In fact PFCU closed the case without even notifying me and started charging interest and demanding payment for charges I am not liable for. I, XXXX, XXXX XXXX and Pentagon Federal Credit Union are fully aware of all these details and have the documentation and recorded calls to verify all of this. I will send you my documentation on request.
Product: Money transfer, virtual currency, or money service

I operate a business through the website XXXX, where I create and sell IMVU mesh heads. I have been using XXXX, XXXX as my payment processor to handle transactions related to my business. On XXXX XXXX, XXXX deactivated my account without providing a clear explanation or sufficient reason. Shortly after, I was informed that my funds would be withheld for XXXX  days because XXXX claims that they can not support my business. 
The total amount being withheld is {$XXXX}, and this has caused significant disruption to my operations. I have made multiple attempts to contact Squares customer support to understand the reason for the deactivation and request the release of my funds, but I have not received a satisfactory response. They have not provided any clear details or justifications for their actions. Despite my inquiries. 
I believe this action is unfair and detrimental to my business, and I am seeking resolution to have my funds released and a proper explanation for the deactivation of my account