23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have made a purchase of Business class ticket with XXXX XXXX using my American express credit card. 
On the flight before departure I received a call that XXXX XXXX forgot to book the Business meal and as compensation they will provide me XXXX usd on the mode of payment at the counter at check in instead of money they have a letter saying XXXX will be given by XXXX XXXX after the flight I have contacted them several times to that I do not need points and it was agreed that they will credit my original mode of payment as I do not have an account and don't want it. 
After a lot of back and forth I gave up on them and contacted the American express to retrieve my money they initially credited my account based on the information which I provided subsequently I have provided them with all the evidence and written communication between myself and XXXX XXXX. 
After about XXXX weeks time I recieved a letter from American express that they have reapplied the charge on my credit card account based on the info provided by XXXX XXXX. 
I have called them and verified with them that have they checked my evidences provided for which I was told " oh nobody looked at it " and they said we were told by XXXX that they have provided you points and money which is totally untrue I have no account of this payment or points and American express reversed the payment based on false statement from XXXX XXXX. I'm unhappy with American express because they reversed payment without any proof of points and payment. The letter provided from American Express is also unclear. Hence I'm reporting them as well.
Product: Mortgage

I applied for a home loan through my bank, Wells Fargo. I was pre-approved. I submitted a contract and moved forward with the process. During the process I was never asked about previous real estate purchases. I had in XXXX bought a building through a tax sale. I paid cash for the building after the auction & there wasn't any loan, mortgage or such. I didn't bring it up during the loan process because it had sold twice since I let it go ( after I bought it, I paid to have the electrical panel replaced and then was told that I had to fix the back wall before I conducted any business there. The building was over 30 foot tall and someone prior took out a window from the brick building and bricked it up and now the back top wall appeared to be leaning. Noone condemned the building until I bought it..then they condemned it giving me a set time to fix the wall. Estimates from those who would even consider the job stated at least XXXX to start then who knew after it was started. I could not afford that without starting the business so I let the building go back into the tax sale. Underwriting at Wells Fargo for my new loan kept sending me task requests to explain *my foreclosure, short sale ..I wrote several letters to explain this was a tax sale, no mortgages or loans. Then after weeks of letters I was denied my loan stating that Wells Fargo has a 7 year rule for foreclosures and such and my transfer of title was XXXX years ago. I bank with Wells Fargo, my social security goes directly to my bank account there. My rental checks are cashed through Wells Fargo. I planned on having my payments auto deducted from Wells Fargo. My house payments would have been $ XXXX LESS than my rent payments. ( I sent upon request my landlords manager name and number. He states that Wells Fargo never called to verify or ask anything ). So after denial XXXX XXXX my loan officer asks do I want to try for an FHA loan @ a " bit higher '' closing costs. A bit higher was XXXX compared to the XXXX that I was paying in closing costs & 1.5 % on a XXXX house. I had previously explained to XXXX that the house would NOT qualify for an FHA loan and that the sellers were unwilling to bring it to code. I had already paid XXXX for an appraisal. To be told that I'm denied because I'm considered *high risk*. I am writing this rebuttal to overturn my underwriters *decision. XXXX XXXX XXXX. Ps I have MANY documents that I have sent over to Wells Fargo. Please ask if you need any for this investigation. My contract states that my loan should be closed by XXXX XXXX XXXX
Product: Vehicle loan or lease

I have retained new copies of my credit reports, and noticed that Exeter finance LLC did not furnish the credit bureaus with the required disclosure, within the period required by law. Exeter finance LLC are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/year> at XXXX XXXX I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on I.C. SYSTEM, INC XXXX Balance {$190.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting 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 : # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Account name : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX has violated my rights. 

15 USC 1681 section 602 A. State I have a right to privacy 15 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. 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.

15 U.S.C. 15 U.S.C. 1681c ( a ) ( 5 ) states that consumer reporting agencies are not allowed to include certain information in consumer reports, including : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

I contacted Wells Fargo Mortgage to have my PMI taken off my loan. They sent out an appraiser who though appraised my house low ( I filed for an appeal on the appraisal ) it still qualified for the requirements of the PMI being removed. Then Wells Fargo contacted me stating I needed to produce XXXX dollars worth of structural receipts because they wo n't base the PMI being taken off on the appraisal and this was XXXX XXXX ruling. I contacted XXXX XXXX and they said that was not correct. I can not get Wells Fargo to remove my PMI unless I pay them an extra XXXX or produce structural receipts.
Product: Debt collection

I have worked for the government for almost eight years and was taken off work for XXXX XXXX XXXX with XXXX symptoms for 15 mo so of course my bills fell behind as I was not paid the entire time I was off and I have no help and have had no income other than a couple of months since. I lost my job in XX/XX/2023. I am turning XXXX yrs this coming XXXX and able to receive widows benefits but have no other income. My unemployment stops in another month. I am insolvent. I contacted a lawyer and am filing bankruptcy but I have to pay {$1800.00} to file so trying to get that together. Either way the account is not collectible as this bunch of crooks Blitt and Gaines PC who have been sued by the government and many others in the past due to their illegal activity, can not file a lawsuit and collect on XXXX income and assets or against XXXX benefits!! Yet they continue to stalk, harass and threaten me with lawsuits after I told them to CEASE and DESIST through your office and my lawyer told them I am filing bankruptcy!!! This is harassment and direct breach of the FDCPA and I want your office to go after them fine them and shut them down!! I am not paying them a XXXX ever!!! I will also sue them for damages for all and for causing my symptoms of XXXX XXXX XXXX  with XXXX to return too!! I want a no contact order placed against them as well they are not to contact me, my family or anyone I know or they will be going to jail!!!
Product: Mortgage

I received pretender lender loan servicer " Ocwen Loan Servicing '' mortgage statement, XX/XX/XXXX. between XXXX and XXXX Ocwen Loan Servicing used Homeward Residential and American Home Mortgage robo-employees as a court XXXX tool to phony up a XXXX lawsuit against me by using forged fabricated documents and robo-witnesses. Ocwen Loan Servicing made several attempts through the years to rip off my home I own free and clear. I do not owe Ocwen Loan Servicing a single penny, never have and never will. Ocwen Loan Servicing used fraudulent foreclosures, using its cozy relationship with altisource to phony up fraudulent trustee sales, using sale threats as a weapon, that if I did n't sign the loan modification settlement they would proceed with fraudulent trustee sale and I would lose my home I own free and clear. I have serious health troubles, I signed the fraudulent {$750000.00} loan modification under stress and fear to stop the altisource fraudulent trustee sale that was taking place in just days. Ocwen Loan Servicing and its lawyers have been harassing me for years, which has caused me serious life threatening permanent health troubles which will be proven in court. With the support of my doctors and new lawyer I will be given my rights back and be given a fair jury trial. I will be retaining attorney " XXXX '' XX/XX/XXXX, she will be serving Ocwen Loan Servicing with summons. Ocwen Loan Servicing stop harassing me, stop using your cozy relationship with altisouce to further threaten me and push me around. I do not owe Ocwen Loan Servicing a single penny. I will not pay pretender lender loan servicer " Ocwen Loan Servicing '' {$750000.00}, over {$200000.00} more the {$550000.00} Option One Mortgage Loan that was paid off over 10 years ago. 

I pray in the name of XXXX that you please give those Ocwen XXXX employees terminal XXXX so they will stop harassing me and leave me alone, and so they will feel the pain of what its like to be tortured for years. Amen!
Product: Debt collection

I am making this complaint because I realized the FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, says that a debt collector can't report a debt to the XXXX major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency. 

This company did not contact me or make me aware of this alleged debt specifically prior to placing it onto my consumer report!
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 which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations 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

I Reviewed my Consumer Reports and noticed that I had Ten payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Product: Credit reporting or other personal consumer reports

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my XXXX XXXX. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Product: Debt collection

XX/XX/2023 My name is XXXX XXXX, i am the only competent party to this transaction. 

Paypal is communicating credit information to third-parties XXXX XXXX XXXX which is known or which should be known to be false. 
Paypal has not communicated my rights to dispute the alleged debt under the fair debt collection practices act section G. 
Paypal has never had any expressed written permission to share ANY INFORMATION.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent {$1100.00} from one cashapp account I have associated with one phone number and bank account to a second cashapp account associated with a different phone number and bank account. For some reason I could not access the account to retrieve my funds. After over XXXX hours of in app support, several emails and attempts to contact by phone Cashapp representatives are telling me that I can not retrieve my money due to security. No one can tell me what security, no one can tell me where my money is, and there is apparently no escalation process. I do not understand how my money is being kept by this app and I have no recourse to recover it. Is this organization, owned by Square, not regulated?
Product: Credit reporting or other personal consumer reports

Received a letter from Wells Fargo Auto Re an Application # XXXX for Loan by XXXX XXXX XXXX on XXXX That I am requesting a loan. 

Please inform XXXX. Wells Fargo Auto that I am not requesting a loan XXXX. XXXX XXXX XXXX that I am not purchasing an auto XXXX. Please inform XXXX of XXXX TX XXXX PH # XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ph # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX ph # XXXX Thank I did not request any credit check so please continue to disregard and such request. And thank for their vigilance XXXX XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

BK OF AMER XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 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. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account 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 this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

In XX/XX/XXXX I contacted Bank of America to place a stop payment for a specific vendor. I asked specifically if this would prevent the specific vendor from being able to make future charges and was informed that was a correct understanding. On XX/XX/XXXX this vendor, XXXX attempted to charge my account and Bank of America declined the charge as expected. On XX/XX/XXXX XXXX charged my account again and this time the charge was not declined. I promptly called Bank of America. After several hours of transfers and long periods of on hold I was able to reach XXXX, a manager in the credit card department who informed me that they previous rep from the XXXX did not actually complete a stop order though it was noted as such. At this point the best I can do is dispute the charge once it clears and hope Bank of America sides with me. Historically though this has not been my experience. Furthermore I shouldnt have to dispute a charge that should ever have occurred to begin with. Bank of America is offering no ownership or accountability in the situation despite a misstep on their teams behalf. This mistake has cost me {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my account.
Product: Credit reporting or other personal consumer reports

My identity was stolen some years back in XXXX I use my married name now because of this reason. 

XXXX XXXX XXXX. Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXX
Product: Debt collection

My complaint is against Financial Data Systems. This is my 4th or 5th complaint. 1st let me explain they have been removed from my credit report before, with the same amount owe, but still seems to pop back up on my credit reports which is illegal. The last complaints I filed through CFPB, the Company stated they had advised the Credit Bureau to remove this from my file. This company does not have the right to collect on a debt medicaid has already paid for. This again is illegal.
Product: Checking or savings account

On XX/XX/2022, I opened two checking accounts with American Express National Bank. On XX/XX/XXXX, I received a direct deposit from XXXX in the amount of {$17000.00}. I transferred {$1000.00} to my savings account that same day. Upon using the accounts, I noticed that on XX/XX/XXXX my savings account was closed and the {$1000.00} I had in that account had been " debited ''. Alarmed, I attempted to transfer the majority of the funds left to my XXXX  checking account. However, a few hours later I received an email informing me that my transfer had failed. Then, I logged into my account to find that it was restricted. When I called into the service center, I was told that my account had been reviewed and closed. Okay, that's not a problem I said. When should I expect my funds? The CSR informed me that money would be returned to where it came from and she wouldn't even tell me where the initial {$1000.00} went.
Product: Vehicle loan or lease

Car was stolen and then found car was totaled by my insurance but I retained the car I then paid off the never ending loan with very high rate. Car was paid off XX/XX/2017 And I have still not got the title. I have spent many times on hold trying to get the title they always say it is getting sent out but I never receive it. I feel this loan was a predatory loan because the principal would never go down.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information for account XXXX. The Original Creditor stated a different balance than the balance of {$650.00} that is reporting on my credit report. XXXX XXXX Bank is the original creditor of this account and I have attached the statement with the balance that was sent to me. You are also reporting that XXXX is the collection agency which is not accurate. I do not have a debt with this collection agency and the balance reported does not match what was sent to me. You are also reporting inconsistent information such as the date last active and the date last reported. All are FCRA violations. Please see the attached proof and remove this account from my credit report for false reporting.