23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX XXXX XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
WXXXX 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a truck driver so I don't have time to keep filing all these reports but I am a victim of identity theft because my information was exposed from XXXX Breach. I have listed the items in the letter that I do not recogonize on the attached copy of the report I had to fill out on the Federal Trade Commission website. The items I am disputing do not relate to any transactions that I have made or authorized. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C.1681i, requires you to delete/block this fraudulent information on my credit report resulting from identity theft within 4 business days.
Product: Credit card

American Express closed my XXXX XXXX charge card, following a financial review. During the financial review, i was requested to provide a XXXX tax return form as well XXXX recent bank statements. When applying for the card, I disclosed that I had a low taxable income ; American Express advised me NOT to put my non-taxable income on the application, since their system rejects the application for non matching income. There is no way to provide information about non-taxable income on the application. As part of the financial review, AMEX seemed to not consider my bank statements which provided proof of non-taxable income /deposits into the account ( which they did ask for ), instead only relying on the XXXX. They claim they have considered all the information, but it's not clear why their process took XXXX months, and it does not appear that that information was actually considered. 

Additionally, I had been a logn standing client of American Express for over XXXX years with excellent payment history, It does not appear that the company values its long standing customers.
Product: Student loan

My loan is charged off due to me filing a bankruptcy and it is delinquent. I was transferred to XXXX to make payments and I did fine for 37-38 months with no problems. XXXX was auto debiting my account directly for {$110.00} a month and I was placed into a reduced interest rate program. With no warning my account was taken from XXXX and given to another company at the same time I was n't aware my auto payment stopped. At this time I was immediately placed into a delinquent status and reporting to my credit report for non payment. I found out my loan transferred twice since XXXX and I was finally able to get it re-established today with the latest company handling the delinquent porfolio. When I contact Navient Customer Service they place me in a round robin of transfers and they wo n't provide me with the direct number to the company handling the loan. I 've spoken to XXXX, Navient Customer Service, XXXX, then with XXXX. Navient is saying they can only collect the full amount due and I have to speak with a servicer who handles the loan to do anything further because it 's charged off. I called the final company XXXX the first representative said they no longer serviced my account. I had to start the call pattern over again it was n't until I called Navient again and became irate that she stayed on line until she got me to the proper company. Due to all these servicing transfers payments have not been collected and I am also disappointed that my credit is impacted even more due to their internal servicing transfers and poor communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Sterling requested international education verification information and a release. On XXXX I complied with all requirements and sent the requested documentation plus the release to Sterling through the email required. On XXXX Sterling noted in the completed background check report that I had not provided the requested information. Today XXXX Sterling has no response as to why they would state the requested information was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of refinancing my mortgage with Bank of America, I cancelled my automated bill pay effective XX/XX/XXXX. My refinance was scheduled to close/fund XX/XX/XXXX however it did not close until Friday, XX/XX/XXXX and did not fund until the following Monday, XX/XX/XXXX. 

After everything concluded I received a late payment notice advising me my payment was over 30 days late. I contacted a Bank of America customer service representative and arranged to pay the missed payment via the bill pay system. At that time the representative suggested I follow up with checking my credit, but due to the circumstances she summized Bank of America would not report the late payment. 

I made that payment ( {$1000.00} ) and it posted to my Bank of America checking account on XX/XX/XXXX, making it technically 34 days late. However, the payment was credited back to my account on XX/XX/XXXX, because my refinance had already funded and the mortgage had been paid in full and closed. 

Upon researching this, I also discovered my refinance closing statement shows the funds were issued to Bank of America on XX/XX/XXXX. However, upon speaking with multiple customer service representatives, Bank of America did not apply the funds and close my account until XX/XX/XXXX and no one could give me a clear answer why it took them an entire month. 

I would also like to say, at the time I had four mortgages with Bank of America. Each account had been open for about 10 years and I had never made one late payment. In addition, my mortgage was paid directly from my Bank of America checking account, which clearly had more than enough funds to cover the amount due. Finally, a final payoff notice had already been sent and received from Bank of America for his loan, so they were well aware it was in the process of being paid off. 

I was made aware on XX/XX/XXXX that Bank of America reported my mortgage payment was over 30 days late, effectively eliminating my chance to obtain a new mortgage and purchase a new home. I immediately contacted the Bank of America customer service and was advised they would send a request to their credit reporting department. 

I called today to follow up and was hung up on twice by two different customer service representatives. The second time, after asking to speak with her manager.
Product: Credit card

On the evening of XX/XX/XXXX at approximately XXXX, I checked my XXXX Chase United credit card balance prior to making a payment. My account page showed the balance as {$5400.00}. I wrote it down at the time and still have a written record. I then made a payment of {$3700.00} sometime between XXXX and XXXX which would have brought my balance down to {$1700.00}. Imagine my astonishment when I checked my balance at approximately XXXX on XX/XX/XXXX and saw that my balance was {$2200.00}, a discrepancy of {$480.00}... incredibly in Chase 's favor! I know what I saw on the evening of the XXXX. Not only am I literate, but I have a college degree and I was fully awake and sober at the time. I WROTE IT DOWN. 


I have been in touch with customer service at Chase 3 times since then and none of them could tell me the exact time I made the payment and what my balance was at that time. They have given me no recourse and my balance is what they say it is at any given time. The customer is entirely at their mercy. They can literally make up any number they like. 

I strongly suspect that XXXX or Chase is padding customer balances because of what happened to me and there is no digital or paper trail that customers can access to prove otherwise. This might be the tip of an iceberg.
Product: Vehicle loan or lease

MULTIPLE OCCASIONS WHERE SYNCHRONY BANK CHARGES FEES IN EXCESS OF {$39.00} FOR A LATE FEE. I ALWAYS PAY MORE AND ON-TIME AND DURING THE COVID 19 PANDEMIC SYNCHRONY BANK CONTINUES TO NOT HAVE ANY COMPASSION FOR THEIR CUSTOMERS.
Product: Credit card or prepaid card

I have a Wayfair Account for the last several years. In the interim, they closed my account without issuing a notice because they are now using a different bank for credit. 

Since my account was closed without notification, I did not want my credit score to suffer therefor, I made aggressive payments to pay the account off and made a final payment of {$290.00} to Wayfair on XX/XX/XXXX. ( or so I thought ). 

I recieved a statement in XXXX advising I had a Finance charge. I attempted to get it reversed via email at least twice, however, I had no success and paid {$13.00} on XX/XX/XXXX. Again to attempt to pay the account in full. 

Today, I received yet another statement from Wayfair stating that I owe another {$15.00}. When I attempted to call, I was prompted by an automatic operator, only to be disconnected after 5 minutes of waiting and attempting to get assistance. 
I am absolutely livid! 

This is not a matter of money but rather of principal as I believe this is a scam with bad business practices. 

I don't want my credit score to suffer, however, the thought of having to give another {$15.00} to this bank makes my skin crawl. I believe these are fraudulent and unfair finance charges and I would like this removed from my account. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to XXXX XXXX XXXX, 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 is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' .THE LARGE DEBT CAN NOT BE VERIFIED XXXX  I HAVE YET XXXX  RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, XXXXtevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Product: Mortgage

Hello, I am asking for your help again in resolving a payment dispute that I have with my mortgage lender Chase ( XXXX XXXX XXXX, XXXX XXXX, LA XXXX ). The date and amounts paid are not disputed by Chase, to the best of my knowledge. 

The background to this ordeal is a couple of payments that were misplaced when my loan was transferred from the original lender to Chase, and a lengthy journey I had to make with Chase in order to find them. 

Over the life of the loan I have made multiple prepayments ( that is, a payment that is bigger than the monthly due payment ), which Chase chose to credit to the loan in arbitrary ways. One payment was credited as a regular payment with additional principal reduction, another was credited as one regular payment and XXXX installations of principal reduction, and one payment was broken into two regular payments, with additional principal reduction. I am providing this information as a background to the chaotic accounting of the loan which prevented me from fully tracking its condition. 

The series of payments that I am disputing occurred in XXXX and XXXX of XXXX. 
I have made the following payments : XX/XX/XXXX : A payment of {$4800.00} XX/XX/XXXX : A payment of {$60000.00} XX/XX/XXXX : A payment of {$4800.00} Chase chose to treat the XX/XX/XXXX payment as a regular payment, but broke the next payment of {$60000.00} into a regular payment and an installment of principal reduction, and then treated the XX/XX/XXXX payment as principal reduction only. 

When I noticed the error I contacted Chase. I spoke on the phone with a representative on two separate occasions and explained that when Chase chose to apply a payment in such a manner, it affected the loan because it allowed the bank to charge me an interest over money that I did not owe. This representative promised twice to correctly apply the payments as required, but failed to do so. When I called again and inquired about it, that same representative explained to me that I failed to designate the payment, and therefore Chase reversed the payment from XX/XX/XXXX, and chose to apply it instead in XXXX or XXXX of XXXX. My attempts to reverse that decision or speak to a more senior member of the bank failed. 

I will state again, even though it should be obvious, that the bank does not have the right to hold on to my payment on one hand, and charge me interest on my loan on the other hand, as if no payment has been made. 

I believe that the bank has unfairly charged me an amount of $ XXXX {$44.00} using this accounting method.
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 section 2 : It also. states a consumer reporting agency can not furnish an 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: Mortgage

We received a foreclosure notice on a loan we took out with Specialized Loan Servicing LLC back in XXXX, and we have been working with them and legal services in order to identify a solution to this problem. There is a trustee sale on our home on XX/XX/XXXX, and this is the only home we have. My husband is over XXXX and works as a mechanic getting work wherever we can. However, his business has been severely hit with XXXX and our children help us the best they can to make ends-meet. We jumped at the opportunity for a loan modification with Specialized Loan Servicing, but they have told us that we need $ XXXX down and we are unable to make that. But they are not willing to help any further than telling us if we do not have the money, there is nothing they can do. They did not even offer us a payment plan of any kind or have even allowed us to speak to any upper management. This does not seem to be in compliance with any fair business practices, especially because prior to XXXX, when we received the first foreclosure notice on the loan, they had never tried to contact us before. We received no other notice of this! This home is all we have.
Product: Vehicle loan or lease

I have had a car loan with GM financial for approx. 4 years, but on my credit report they have large gaps showing no payments have been made. i have made late payments and have had agreements-signed in which payments where moved to the end of my lease in order to no report late payments. i have disputed this with the 3 credit reporting agencies but it has not changed. i understand GM financial has had issues with this and is even facing possible class action. i am demanding they correctly report all of my payments since XX/XX/XXXX and remove the negative entries of XX/XX/XXXX-XX/XX/XXXX-as i have been making my payments. they also need to report the correct balance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX With initiation of the {$700.00} loan, I was told by the representative the loan would be paid in full by XX/XX/XXXX. Due to unawareness of XXXX bank attachment, I made a in person payment early on in the repayment of this loan. The same month an additional payment was taken out and not applied as a next month payment. I called to inquire why payment was taken out today, XX/XX/XXXX and the representative noted the account is not paid off and will not be paid in full until XXXX of XXXX. She noted she could see in the in person payment, yet that amount was applied to the principal. I would like this entity audited for the accounting on this account and any violations of the Truth and Lending Act, 15 USC 1605 and 15 USC 1601 and any and every other violation of consumer protections which are believed this entity is and has participated in relative to this account.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulations E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit card

My Cerullean card ending in XXXX is being reported with a balance of {$610.00} XXXX, account currently shows paid off, being reported with credit bureaus with balance of {$610.00}. Account does not appear to be reported correctly.
Product: Checking or savings account

I checked into the Hotel for one day on XXXX. The hotel OVERCHARGED me for my total stay, almost {$800.00}. The total they charged me was {$840.00}. I was advised that the total stay would be refunded as I was overcharged in error and that the refund would immediately appear within 7 - 10 business days from the date of checkout. Instead the transaction posted to my account for the full incorrect amount with nothing refunded back to the card. It posted as a transaction. The hotel Manager stated the funds would be returned both verbally and on written XXXX letterhead. The manager even stated they will write an additional letter to the bank to support the release of my funds. The manager advised they charged two cards. One card is the correct card ending in XXXX. The card ending in XXXX was not supposed to be charged beyond {$20.00} ONLY for an INCIDENTIAL HOLD, as the reservation was paid on another card. I was advised I would to be refunded the incidentals charge of only {$20.00} upon checkout to make the balance charged to my card ending in XXXX - {$0.00}. I was then shocked to find that I was charged {$840.00} in error. The hotel manager XXXX said the person who checked me in failed to merge my card to my present reservation that was paid online. Therefore creating another folio that charged my XXXX card in error for the same reservation already paid. Please see the XXXX Letter and the XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) do to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, cash failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus reached a settlement and announced, that tax liens, judgements and public records would be removed from the credit report, if the public records, did not contain certain basic identifying information : A person 's full name, address, social security number and date of birth. The requirement is that 3 of the 4 identifying information, points. Must be contained in the public record, to report it on the credit file as of XXXX 2017 ( these files, must be removed ). The minimum frequency of physical courthouse visits, to obtain newly recorded and updated public records, is ( at the very least ) every 90 days. The credit bureaus, has not physically, had a representative visit the courthouse ( s ) for public records filings and have used online services, such as XXXX for acquiring the information and has reported, this information provided, by a third party. Without any verification process, as required. And using a online service is not, within the physical visits, requirements, as set forth. 

I checked my public records and there are tax lien ( s ), listed on my credit report. 
which does n't meet the requirements to report on my credit file. There is no social security number, no date of birth, my full name is not disclosed, as well as a incorrect address. XXXX has removed the tax lien ( s ) from my credit report, as required. 
But, Equifax and XXXX, still have tax liens, listed on my credit report in violation of the new established agreement.