23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, I am writing to file a formal complaint against CreditFresh, a financial institution that provides line of credit services. I am deeply concerned about their unfair and deceptive billing practices that have had a significant impact on my financial well-being. 

Description of the Issue : On XX/XX/2020, I opened an account with CreditFresh, for a line of credit. Since then, I have consistently made timely payments as required by the terms of the agreement. However, I have repeatedly encountered unjustified and exorbitant " Billing Cycle Charges '' that are added to my account on a regular basis. These " Billing Cycle Charges '' are not adequately explained and are based on a complex formula related to the outstanding principal balance. Despite numerous attempts to seek clarification from CreditFresh, I have not received satisfactory explanations for the imposition of these charges. The lack of transparency and justification for these fees is deeply concerning. My attempts to communicate my concerns with CreditFresh have been met with evasive responses and attempts to deflect the issue. Furthermore, their customer service representatives have provided inconsistent and unsatisfactory explanations for these charges, leaving me feeling frustrated and exploited. Actions Taken : I have sent multiple emails to CreditFresh, expressing my concerns about the unfair " Billing Cycle Charges '' and requesting detailed explanations for their imposition. I have received responses from CreditFresh that attempt to rationalize these charges but fail to provide a clear and transparent explanation for their calculation. I have requested that these charges be removed or substantially reduced, as they constitute an undue financial burden and are not adequately justified. I have expressed my intention to close my account with CreditFresh if these unfair billing practices are not rectified. I have taken the necessary steps to protect my rights as a consumer by seeking clarification, advocating for fair treatment, and attempting to engage CreditFresh in resolving this issue. However, the lack of appropriate responses and actions from CreditFresh has left me with no choice but to escalate this matter. I am sharing this complaint with the Consumer Financial Protection Bureau in the hope that appropriate action will be taken to investigate CreditFresh 's unfair billing practices. I believe that these practices not only harm individual consumers like myself but also undermine the principles of transparency, fairness, and ethical conduct within the financial industry. I kindly request that the Consumer Financial Protection Bureau initiate an investigation into CreditFresh 's billing practices to ensure that consumers are treated fairly and that deceptive practices are addressed promptly. Thank you for your attention to this matter. I look forward to your response and any further steps that may be
taken to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

.. 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 and the bank 's records ( learned through more research both parties require ).

( 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 XXXX XXXX XXXX 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 TransUnion 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... 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 some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Date Opened : XX/XX/2013 Balance : {$69000.00}
Product: Debt collection

1. RESPONDENT ( S ) failed to rebut, answer, or respond, to C Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, 2016 ; with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability, with evidence attached, of all statements herein made being false, and a copy with all evidence and a copy sent to undersigned for rebuttal or acquiesce. That Conditional Acceptance upon Bona Fide Proof of Claim gave you a reasonable deadline to perform. And, at no time before then, or after then, have you requested a reasonable extension of that deadline. To date, RESPONDENT ( S ) failed to rebut, address, answer, or respond in this matter, you have chosen instead to fall completely silent. Accordingly, RESPONDENT ( S ) is now in default as against undersigned 's Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing. Under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Moreover, under the doctrine, your silence has activated estoppel in this matter. 

2. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. 

3. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. 

4. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. 

5. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file the Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail Delivery Confirmation and this AFFIDAVIT OF NON RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last 4 ss XXXX Equifax, XXXX, XXXX Are reporting inaccurate Fraudulent accounts on my Credit. I have filed multiple disputes regarding these accounts and they refuse to remove and provide me with how they obtain the information and what information the obtained to show that I'm the one responsible for the debt. They even have several inquiries on credit report that don't belongs to me either. According to FCRA Rules and procedures and I quotes If any credit Breau fail to remove Fraudulent or inaccurate accounts that's being reported on credit report I have the right to sue them in Federal Court. Therefore I'm once Again requesting that the following items be removed from my credit report immediately. 
1. XXXX Loans ( Fraudulent ) identity theft 2.XXXX XXXXt ( error on report this has been paid it shows In collections ) 3XXXX ( Fraudulent ) Identity theft 4. XXXX XXXX ( Fraudulent ) Identity theft.
Product: Checking or savings account

Results needed : Bank of America needs to please locate {$4100.00} and credit my account # ending in XXXX. These funds were returned on XXXX XXXX XXXX from XXXX to Bank Of America. See details below. 



Details-This has been too long since I dont have these funds. It has become a blame game between Bank of America and XXXXXXXX XXXX 


XX/XX/ I requested to pay my mortgage bill via Bank of Americas Online banking bill payment system for {$4100.00} to XXXX. 
XXXX XXXX  returned this payment back to Bank of America. 
From XXXX XXXX XXXX XXXX XXXX  I have made several calls to both BOFA and XXXX and been bouncing back and forth with no resolutions. None of these companies takes ownership of who has the funds to release these to my account. 
On XX/XX/, I spend another 2 hours between bank of Americas deposit department and Bill pay department and didnt make any progress. There were few a things that were learned in the banking jargon as I included a family member on these calls that is in banking. 
Bank of America uses a third party bill pay company XXXX XXXX XXXX XXXX ) Which is where funds were returned according to letter provided by XXXX. 
There was another transaction exactly the same payment to XXXX via bill pay in XX/XX/2023 that was also returned and these funds were credited to my account without any issues. 

At this point, Bank of America has the funds and should do the research required to find these and credit me. I believe that this was most likely rejected and in the manual process they didnt know where to credit and is probably still in some internal general ledger account. The right parties in the right department need to take charge to track this. 

See attached letters from both BOFA and XXXX showing Bank of America bill pay went out and also the confirmation that this was returned by XXXX. 

Having these large sums of funds missing for a single mother for 11 months is just ridiculous and needs the attention that this deserves to get a resolution. 

If you have any further questions, please contact me, XXXX XXXX, at my cell phone XXXX to get a resolution in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  and Equifax and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XX/XX/XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XX/XX/XXXX. This is a major violation that needs to be removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

It has been 7 years and this company XXXX XXXX is still reporting on my credit negatively with a past due amount even though the account has been closed and sent to a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter by mail on XX/XX/2018 to dispute information on my credit report to Equifax. Equifax has not responded in any way. I can not access any information at all from their website. It always states, " Your information does not match our records. '' I sent Equifax a copy of my driver license, a copy of my social security card and information regarding the dispute in question. This is the 3rd or 4th time I have disputed this item on my credit report. Equifax typically sends me an email with the results, but will not let me log into the website. The website perpetually says, " Your information does not match our records, '' Even though I am answering all of their questions accurately according to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam/To Whom It May Concern, Please be advised that I have filed several complaints since late XX/XX/2018 with the CFPB ( Consumer Financial Protection Bureau ) regarding the improper investigation ( s ) of negative credit item ( s ) on my Equifax credit file. 

On several dates since XX/XX/2018, through the CFPB complaint filing system, I requested that inaccurate/erroneous items that were illegally being reported to my credit file with your agency be deleted. You refused to do so and claimed to have verified these items. I requested, as required by FCRA 611 ( a ) ( 7 ), that you provide me with a complete copy of the information that you used to investigate the matter. You failed to provide me with that information and again failed to delete the negative items. I am again requesting it be deleted. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with the CFPB. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SST # XXXX I am again attaching the newest documents and older documents from two previous FDCPA requests of debt validation. Again, no contract or evidence of personal liability to XXXX XXXX. Only the corporation is liable for the debt and not the individual. Reapplying this false information to my personal credit file is a violation of the FCRA. 

Thank you, Dr. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX Hud attempted to represent me in getting a modification, They attempted several times.My attorney XXXX XXXX began representing me beginning in XX/XX/XXXX letters and documents were sent requesting workout He sent a Letter Dated XX/XX/XXXX for confirmation of his representation. Mr.XXXX  sent SLS a payment of {$14000.00} In XX/XX/XXXX. It was returned. request for modifications from XX/XX/XXXX to present, letters of hardships and storm damages due to hurricane Irma were sent. SLS changes the contact person monthly I have never been able to speak to the assigned teller.I have requested to speak with the XXXX  XXXX XXXX XXXX   XXXX to no avail. Court mediation with the Magistrate orders to submit another request for modification did no good.Their attorney even tried to help me.
Product: Checking or savings account

On XXXX XXXX, a payment was made into my checking account from XXXX. I do not know who sent the payment, I did not receive any notification about receiving the payment. The person that made the payment then made a fraud dispute. Chase bank froze my account while they conducted an investigation into the fraud claim. 

I have complaints about Chases actions : First, all funds in this account were frozen during the entire duration of the investigation. The payment was for less than {$200.00} but the account with $ XXXX was made complete unavailable. 

Second, Chase did not inform me of the fact that the account was frozen. I only discovered there was a problem when a different company that I sent a payment to contacted me to say the payment failed. Chase did not call, email, or send a letter informing me that my funds were unavailable. Chases online banking app continued to show the full balance of my account as available funds even while the funds were not available to me. The banking app includes notifications, and a message center, but Chase did not use these tools to provide info or a status on the issue. 

Chase personnel on the phone were not helpful, and did not have share any info about how I could help resolve this issue. 

Finally, I only learned that the investigation was complete after I made a phone call and was informed by the agent. Even with the conclusion of the investigation, Chase did not unfreeze the account and make my funds available until I called, and the agent asked permission from a supervisor to release the freeze. 

I made approximately 10 payments in the time between my account was frozen and the first time a third party informed me there was a problem, which was on XXXX XXXX. I was charged late fees and failed check charges, and one utility informed me they will never accept a payment from that account again. 

I visited a retail bank branch on XXXX XXXX to try and find some who could help. The staff at the branch was extremely helpful but unable to successfully fix the issue. One banker was put on hold and then hung up on the the corporate department he contacted. A different banker got someone on the phone to agree to contact me, but Chase never did reach out.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX Account name/numbers : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX have 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 an account without my written instructions to do so.
Product: Debt collection

I have sent multiple letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to validate several accounts being reported on my credit report and to provide me with copies of any documentation associated with these accounts, bearing my signature and that I formally request that this information be immediately deleted from my credit file under my Social Security number. I have also sent multiple Failure to Investigate letters with nothing being verified. 

The credit reporting agency claim the accounts were verified but did not furnish proof, these laws were violated 15 USC 1681s -2 ( b ) and 1692 ( g ). I also stated in my letter I do not consent to e-Oscar or any means of automated verification. 

They continue to update the credit file with continued negative information under my Social Security number. They have violated my privacy, I can not move nor can I apply for another job with this negative information being reported. 

The credit bureau has violated my rights by not properly investigating my dispute. I have not given them permission to put anything on my report. I want these accounts deleted from the credit file they maintain under my Social Security number. 

These are the accounts I have previously disputed : XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Mortgage

I have been trying to resolve this for approx 1 year, I have missing pymnts that have not been applied to my acct. I have all my notes and dates and times when I have called them. I get NO WHERE.. put on hold and never get back to on many occasions. I have talked to research dept/ escalation's/ I have sent them bank stmnts and transmittals of the transmittals from XXXX XXXX  showing the pymnts and dates. Now I can not even make a paymnt to the acct for the past 2 months due to its on a hold with the issue. I need someone to get on this and get it resolved, this Loan service is a joke.. 

Please advice
Product: Credit card or prepaid card

Please see the attached document, entitled, XXXX XXXX Breach. This letter is a very detailed documentation of my victimization and whereby, funds were stolen from my XXXX XXXX Debit Card and although I reported timely, XXXX XXXX denied my claim and refused to reimburse the more than {$700.00} taken from me through the unauthorized use of my debit card. 

This letter was sent to Ms. XXXX XXXX, Senior Vice President with Comerica Bank, more than 2 months ago. I faxed this letter directly to her office and subsequent to my fax, followed-up with a phone call to Ms.XXXX   's personal assistant who advised me that all 5 pages of my fax had been received and she was placing them on Ms. XXXX 's desk. 

I've called to speak with Ms. XXXX no fewer than five ( 5 ) times since having sent the fax. She's never returned a phone call, e-mail, or in anyway has she acknowledged receipt of my documentation, nor acknowledged the egregious behavior of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX  to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Debt collection

not sure what this company Kramer and Associates is trying to collect from me but they are calling my employment and family and friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - anyand all accounts you post on a credit report. Otherwise, anyone paying for your reporting services couldfax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original ConsumerContract with my Signature on it ) you have on file of the accounts listed below. The Equifax failureto positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiedaccounts must be removed and if you are unable to provide me a copy of verifiable proof, you mustremove the accounts that was included in the FTC report attached on this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter of dispute and requested validation for items I believe are incorrect or erroneous on my credit report. I received a letter TODAY from Equifax that they are unable to find a file with my information and they are stalling by asking for ID verification documents. These items, license and utility bill were sent in with the dispute so there is no way they can not find my file. 

Since it has been well over the 30 days to dispute, these items should be deleted from my report. 

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 or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : FXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian