23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i contacted walmart and the manager there said she would send me a letter stating that this account can be deleted from my credit bureau but now they are saying they can not do that even though they did send me a letter saying that the account can be deleted so XXXX credit agency contated them to dispute it and awalamrt is saying no it can not be deleted but i do have the letter from walmart stating that it can be deleted im furious i need this item to be deleted so i can get my apartment waith my kids
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH EXPERIAN AND XXXX. I received a letter from Experian on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from XXXX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.
Product: Checking or savings account

On XX/XX/XXXX, an automatic bill payment in the amount of XXXX issued thru the bank bill pay service appeared in my account and was withdrawn from the balance. On XX/XX/XXXX, the same bill payment appeared in my account which caused the account to overdraw and was charged a XXXX  fee for XXXX. This was the same payment that had posted on XX/XX/28 however the payment on XX/XX/28 disappeared. After talking to Bank of America they are refusing to refund the XXXX fee after admitting by phone on a recorded line that it was an error. This is not the only time I have seen processing errors occur but BOFA fails to make right on their mistakes.
Product: Credit card

Context : I applied for XXXX XXXX XXXX XXXX Credit card with the clear and express intent of getting the XXXX points ( or XXXX free nights ) as advertised ( please see attached, ad from Chase 's website, also something that I can see on my Bonvoy App ). Before I applied, I checked the fine print i.e., offer details ( please see attached ) that I am eligible for the offer and I am. 

Issue : However, after I was approved the Card, Chase only approved me for XXXX points despite me meeting all the criteria for XXXX points. Inspite of my best efforts to talk to front agents, supervisors, escalation specialists, Chase has been UNHELPFUL and extraordinarily poor customer service. 

What have I done so far? : I called their customer service, spent XXXX hours, over 2 days talking to supervisors and escalation specialists who have all been unhelpful. The escalation specialist was incredibly rude and hung up after putting me on hold for over XXXX mins. What is confounding is that, each one offers a different explanation, depending on who answers the phone. First I was told it was a " glitch '', then another blamed it on marketing, and yet another said Chase has discretion to do what ever it wants, even after I mentioned this is deceptive marketing. The rude escalation specialist suggested I close the account even after I said, this is not what I want to do, just a HORRIBLE customer experience and UNFAIR, DECEPTIVE marketing practices preying on unsuspecting customers, with possible UDAAP violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I received a letter from a third party debt collector, American Coradius International LLC in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to XXXX XXXX XXXX XXXX 

I use my XXXX regularly and neither my regular XXXX nor my XXXX credit account show any balance owed or past due. 

The letter claims that XXXX will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to XXXX 's security team as well. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Square regarding a payment I was supposed to receive in XXXX, which has not been deposited into my bank account as expected. In the past, all payments have been deposited without issue, but this time, Square has failed to provide a clear and consistent explanation for the missing funds. 

After multiple inquiries, I have received conflicting responses from Square, including claims that the payment was applied to chargebacks, used for refunds, or combined and depositednone of which align with my records or make logical sense. Despite my efforts to seek clarification, Square has not provided a transparent or satisfactory resolution. 

This situation has negatively impacted my business operations, and I am deeply concerned about Squares handling of my funds. I am requesting the CFPB to investigate this matter to ensure accountability and fair business practices. 

Please let me know what steps can be taken to resolve this issue. I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Initially made a late payment in XXXX due to moving homes and missing due date. For XXXX bill, I sent a check on XX/XX/XXXX to cover the bill for that month well in advance of due date. However, due to mail delays it was not received on time by Citi. I called Citi directly over the phone, after receiving notification and paid the Bill directly.

However, the check that I sent I was instructed by Citi and my own bank to put a stop payment and cancel the check which I subsequently did. However, on receipt of the check on XXXX Citi attempted to deposit the check but was likely rejected. I made multiple large purchases through XX/XX/XXXX and on XX/XX/XXXX when I attempted to pay for gas my card was declined. 

I called citi to remedy this and they notified me they had sent a letter cancelling our account. This letter has never been received and not sure how they could have sent this letter out notifying us while still allowing us to make purchases on the card.

Regardless, I accepted the closure of our card but we had almost XXXX XXXX+ left in earned cash back that I had not utilized. I called Citi directly, a manager agreed to send a check for this balance initially. A week to 10 days later I received notice that they are formally refusing to pay out my cash rewards balance or put it towards my final month balance.

This is unfair and dishonest behavior, I did everything to try to remedy the situations which were complicated by COVID-19 related mailing issues. My own bank informed this same issue was happening to many individuals mailing credit payments. 

I would like to formally file a complaint requesting remittance of my earned cash back credits. It is completely dishonest behavior by Citi to give me no option to use this before closing my account and it is malicious at best. 

Thank you for your time and assistance
Product: Checking or savings account

Chase moves the debits around when your account has a low balance and causes your account to overdraft. Then they charge an overdrsft fee for each. My account had a balance of {$19.00} on XX/XX/XXXX. One item of {$39.00} was debited to my account. All the items that had been paid were shuffled around and they were able to come up with three items within that {$39.00} range that the could charge fees on. This happens all the time. This is my third complaint about this practice at Chase. If the overdraft fee is bal is I dont have a problem paying it but they are manufacturing fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and update the last reported date of payment to show that the account is in good standing.

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time.

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Mortgage

Every time I make a payment on-line or by phone I am charged a fee. {$5.00} or {$15.00} My mortgage was originally with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a Loan Modification sometime in XXXX which wasn't much of a modification because I DID NOT receive a permanent relief as many years were added to the mortgage and I received a step interest rate which allows the interest rate to revert to the original interest rate. Notwithstanding this, XXXX SOLD my mortgage to SPS Servicing, which has very few options for payments without a fee. 

Lately I was told that if I make the principal and interest payment alone, I will not be reported late to the Credit Reporting agencies, but that was after reporting me late for XXXX. This has caused a decline in my credit score of about XXXX XXXX. ( I also do not have the option to make partial payment on-line but have to do a phone payment which is costing me {$1500.00} each time Please investigate this for me. Thanks
Product: Debt collection

Dear Portfolio Recovery / PRA / XXXX XXXX Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer services And unfair practices, which violates 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 Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have my mortgage with ShellPoint Mortgage Servicing. I make my payments on time every month through automatic ACH withdrawal. For the month of XXXX, they failed to apply my payment on time which then caused a waterfall of issues that now have hit my credit report. When i initially spoke to them on XX/XX/XXXX, the indicated that they identified the issue and sent a request to correct the issue and apply the payment. They also indicated that this would not impact my credit report. On XX/XX/XXXX, i started getting notifications from all of my credit monitoring software apps indicating that there was a change in my XXXX XXXX. Come to find out that Shellpoint did report this to the credit agencies as a late payment in contradiction to what they said they would do. When I contacted Shellpoint again on XX/XX/XXXX, I was told that they could see that there was an error and that I would not have to do anything. The rep that I spoke to indicated that he would send a request to have my credit report updated. I called back on XX/XX/XXXX to check on the status and spoke to a rep that told me that i had to send a request in writing to correct this error ( which was their fault to begin with ) and to have my credit file updated. After XXXX minutes of arguing with this person that I should not have to work so hard to get their mistake corrected, he indicated that the system was just updated to show that they sent the request to have the file updated. I asked to speak to a XXXX and of course XXXX was not available, but the rep I spoke to stated that " XXXX '' would call me back in XXXX hours later. Of course that did not happen, so I called back in on XXXX and asked to speak to a XXXX, once again XXXX was not available, but someone named XXXX XXXX was going to call me back. The level of incompetence and unwillingness to solve a problem that they created with any sense if urgency is dumbfounding. I am in a personal situation where my XXXX XXXX is critical, and I have spent my entire life paying my bills on time to maintain an above XXXX XXXX XXXX and for this mistake to tarnish it, with no regard to a sense of urgency to get it fixed is unacceptable.
Product: Credit reporting or other personal consumer reports

Transunion File number : XXXX I have enclosed XXXX XXXX letter of deletion!!!! I am demanding that you delete this immediately Bankruptcy # XXXX ( Nevada ) This is proof that Transunion is Direct Violation of : 15 USC 1681 A2b, 15 USC 1681 b, 15 USC 1681 a, Rule ( 9037 ), My name is XXXX XXXX XX/XX/year> Re : Bankruptcy # XXXX State Of Nevada I am writing to you because I have bankruptcy information appearing on my Consumer Report Case number XXXX State of Nevada Transunion stated verbatim from that the information was indeed verified by : ( Nevada Bankruptcy Court ) State Of Nevada US Bankruptcy Court The court house responded that this is either an error or a lie!! They never verified anything at all!! I have no bankruptcies on file at all!! XXXX XXXX has also deleted this fraudulent information as it was determined that this is a case of mistaken identity!! I am demanding that Transunion as well as Transunion Rental Screening, as well as XXXX, Delete this information immediately This inaccurate fraudulent information is still appearing on my Transunion Credit Report!! Transunion is in direct violation of : 15 USC 1681 A2b.

I have enclosed documentation!! This is a violation of the FCRA, a violation of my rights as a consumer!! Transunion is reporting fraudulent information illegally!! I am demanding that this is deleted immediately off of my consumer report!! If this is not deleted immediately!! I will contact my attorney!! Transunion is in violation of reporting an error or a lie!! according to them ( Transunion ) they got this information verbatim directly from the courthouse!! The courthouse determined that was an error or a lie I was told verbatim that the court did not verify as such therefore, this is an error or a lie .. Transunion are reporting inaccurate information!! This is caused mental anguish and stress due to the fraudulent statements reported by Transunion!! I have a right to a fair and accurate credit report according to the FCRA Transunion is guilty of violating my rights as a consumer they are continuing to report false information!! I am demanding that this bankruptcy is deleted immediately off of my consumer report : Bankruptcy # XXXX I demand this is deleted immediately!! If not I will contact legal authorities as well as my attorney!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Student loan

XXXX XXXX - XXXX CA. 
One week into my last quarter I was called into the financial aid office and I was told that my tax paperwork had not been submitted for my Grant by the financial aid liaison that I dealt with there. That financial aid liaison was no longer employed at XXXX for me to talk to. When I approached the head of the office, she told me I had few choices. 1 ) I could pay out of pocket of the sum of over {$10000.00} or 2 ) I could get a loan direct through XXXX XXXX XXXX XXXX where there will be no interest charge and I could make payments or 3 ) I can drop out and not Finish College but I will still have all the federal students with no degree. I was not allowed not return to my classes until I told them my decision. Couple of days later, I selected to take the private loan through XXXX XXXX XXXX XXXX.
Product: Mortgage

my wife had 3 XXXX  XXXX in 2 years. i got laid off from XXXX XXXX XXXX. missed a lot of work then got laid off. got a letter last week from XXXX, XXXX XXXX XXXX stating i had 45 days to cure the default. started to get solicitations yesterday fro lawyers saying public record has foreclusure sale on XX/XX/2018. not 45 days. still working with carrington on modification.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GLBLNDSVCS - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting

There are a lot of items on my credit that doesnt belong to me. They have names that i have never went by. Also they are the XXXX party collection agency and they dont have the orignal documents. And i feel that these items should be remove off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCT XXXX XXXX XXXX ACCT # XXXX SEVERAL " LATE TRADELINES REPORTED REQUESTING REMOVAL OF ALL NEGATIVE MARKS REPORTED TO EXPERIAN