23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit card

I did n't receive my XXXX charge statement from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And it was n't until XX/XX/XXXX that I received a collection call letting me know I was past due. 

I honestly forgot I had performed a transaction on my card for around {$68.00}. Now on XX/XX/XXXX my balance was increased by XXXX late fees that were assessed to the amount of XXXX and XXXX which is really close to the original transaction amount. I already submitted a payment for {$100.00} to the XXXX charge processing bank but I wanted to get at least XXXX late fee removed as I consider it to be abusive. The collections department stated they could n't do anything.
Product: Vehicle loan or lease

This will acknowledge your notice of rejection for estoppel for payment due to Abscene of lawful money received on XX/XX/2023 ..... I am now requesting this Company Professional Finance to provide proof without a reasonable doubt that my estoppel doesn't pose a threat to our agreement. When you are making me perform an impossibly and if I don't, you will try legal actions against me, how does me the applicant making you aware of these conflicting laws, not have anything to do with our relationship when it's the basis of the relationship. Now I am asking you to prove otherwise. I have also sent this to all parties involved... We are waiting on your response.
Product: Credit card or prepaid card

On X/X/2017, I made a payment to my Bank of America credit card. It did not show as pending and I received no confirmation, so I took it to be not processed. I made another payment and lo and behold, two payments for $ 9000+ were debited from my account!! They were taken out on XXXX. Today is X/XX/2017 and I have yet to receive a refund!! I have called every day and am always given some excuse - I had to wait three business days before they could register a claim, that it can then take an additional 5-10 business days for the refund, the Patriot Act ( this was from XXXX in the West Virginia call center today and I asked him that it takes two weeks due to the Patriot Act? No response ). I have been told three times that I should expect to receive the refund Saturday or today. Nope, nothing as yet. It is interesting that a bank will take your money in a matter of seconds but can not explain why it takes two weeks to return an error. XXXX told me the refund was approved today!!!!!!!!!! You can not make it up and I am just appalled that banks can sit on a {$9000.00} refund with no repercussion to them for acting so unethically and unprofessionally ... ... ... ... ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my consumer report and saw that Experian had violated my rights as a consumer. I then mailed Experian an affidavit of facts, and letter of validation pertaining to the inaccurate information on my consumer report a month ago, and still have yet to see receive a response from them. On XX/XX/01 at XXXX I then called Experian and got connected to a specialist for consumer disputes named XXXX she named the accounts that I have disputed and the results were to have these fraudulent accounts remain still sitting on my consumer report from their investigation for a few while others were still left pending. I specifically told her that in the FCRA Congress states in 15 U.S. Code 1681a ( e ) that they would have to do interviews with my with neighbors, friends, or associates, and can not include specific factual information on a consumers credit record obtained directly from a creditor. She then connected me with a lady by the name of XXXX who came off ignorant, while being very rude and disrespectful with me over the phone using obscene and profane language towards me. After I said that my consumer rights have been violated under the Fair Credit Report Act. I specifically told her that I want these inaccurate accounts, and inquiries immediately removed from my consumer report. I am the consumer and according to 15 USC 1692 I do not owe any debt because I am the consumer and Im not obligated to pay. I told her pursuant to 15 USC 1681B ( a ) Congress says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is myself the consumer and I do no not owe any debt and these are my written instructions to you right now to remove these inaccurate accounts from my consumer report. She then said I dont know why you guys keep calling here trying to use this with what you are talking about, these accounts are not getting deleted, and fine to take us to court, and good luck. I then told her pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. You are civically liable for violating my consumer rights on this phone right now, and I have you recorded. I will be sending an invoice for damages from all of the violations your company has done to me thus far. I then requested her to put her supervisor on the line. She then said the supervisor will call me in a few hours and hung up the phone and which was a lie because I did not receive a call.
Product: Mortgage

This was a Covid 19 issue. I applied for a credit and was approved by the State of Illinois for property tax credit. The State of Illinois ran out of funds.

U.S. Bank contacted me about the delinquent taxes. I explained the situation and was informed I had 60 days to pay the property taxes. I attempted to pay my property taxes and the county informed me U.S. Bank had paid them on my behalf one week after the 60 day notice. I spoke with a U.S. Bank representative and was told to visit a U.S. Bank branch and make the payment, which I did. In the confusion U.S. bank prematurely paid my upcoming property taxes which were not delinquent so I visited the branch and re-reimbursed them for the premature payment. I am current on my monthly principal and interest payments to date. U.S. Bank automatically created an escrow account for my property taxes without my consent and/or approval. My modification was documented on a XXXX XXXX XXXX XXXX XXXX document that no one acknowledges.
Product: Debt collection

Called company customer service about documents since it was on my credit report. its been four months and still no form of information. Customer service stated that they can't email me the paperwork but could only lost mail statements.
Product: Checking or savings account

I received an email from Capital One on XXXX XXXX  XXXX demanding a transfer of funds in to a Capital One 360 Checking overdraft line of credit. It also stated that they were going to report it to the credit reporting agencies as a default. 

I have never had a checking account with Capital One. I have a credit card which I am going to cancel, but this is a blatant attempt to shake me down for cash coupled with a threat to ruin my credit. My credit is excellent ( XXXX ) and I have never made a late payment for anything, nor have I ever defaulted on any account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.
Product: Credit card or prepaid card

On XXXX XX/XX/2022 i gotten a text notification from chime that XXXX store was trying to get XXXX from my checking card but it was canceled due to insufflate funds. I didn't recall that so i called chime to inform them. spoke to XXXX from chimeXXXX pm on that set date above. I canceled that card ( checking ) on above date and time with set agent XXXX shortly later i gotten notification via chime of my new temp ending in ( XXXX ) you wont see it on new temp card because it was paid for from a canceled card with insufficient funds card ended in ( XXXX ) Just short of XXXX hours later chime authorized a transition against my authority. Without my consent i do not have XXXX me nor overdraft. Chime paid out XXXX on a canceled card with insufficient funds ending in ( XXXX } that has been canceled due to a declined charge of XXXX. I disputed it with the dispute dept where the dispute department
Product: Checking or savings account

The IRS deposited funds into my account. Chime suspended my account and made me send the same documents over and over again because they were saying they didnt get them. Their calls reps were misleading and didnt know what they were talking about. I finally was able to get my into my account with the help of a lawyer. Just for them to close my account permanently, say I didnt send the right documents even though I still have all the emails of me sending every document that they requested. They told me I wasnt getting none of the money I have in my saved, checking or credit builder. I would not recommend chime to anyone. I MEAN NO ONE!
Product: Mortgage

I became delinquent on my mortgage payments. I had several phone calls with my mortgage lender on how I might be able to resolve the issue. I asked if they would be able and/or willing to put my past due payments on the backside of my loan and they said no. I asked if I could make partial payments and they said no. I then tried to make a full payment amount and they would not accept ANYTHING other than the full amount due of all my missed payments. They were unwilling to work with me at all and would often times simply hang up on me. I received a foreclosure notice on XX/XX/XXXX with a SHERIFF 'S SALE date of XX/XX/XXXX. The have added on an exorbitant amount of unjust and unreasonable fees and raised my mortgage with no explanation of that change. In the mortgage foreclosure papers, their numbers and dates are completely incorrect. They state my original mortgage was in XXXX in the amount of {$170000.00}. My actual mortgage was in XXXX in the amount of {$150000.00}, which is proven and has been submitted to them by the State of MN. They have been completely unwilling to work with me and discuss any options for remediation other than paying only the full amount due which again includes unreasonable and unjust fees. I am now working with a mortgage counselor in the State of MN, along with the MN Attorney General and am working diligently to resolve my issue, however, this mortgage lender has a reputation of being unfair and unreasonable. It appears as though they want nothing to do with the consumer and just want to keep adding unreasonable fees and want nothing more than to foreclose on people 's homes. Their unjust and unreasonable fees added on make it near impossible to become current and again, are unwilling to even speak to me to try and resolve this matter. Their reviews indicate just as much and much, much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of an error, whereby my account was penalized with late payment for the months of XXXX & XXXX. Because of current global health crisis & being furloughed from work, I elected to use the forbearance program, which enables people to defer their payments for up to 180 days. In my case this period wouldn't be ending until the end of XX/XX/2020. In addition the property that the mortgage was held for XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX was SOLD in XXXX as my attorney ordered a pay-off and closed in XXXX2020 ; therefore, the property was longer under our ownership. 

Please make the necessary corrections by deleting all late payments against my credit report IMMEDIATELY! You made a wrongful error against myself, since NO payments were late or required to be made as stipulated by the forebearence Program. I value my name like my credit. So I urge you to rectify this unnecessary error ASAP!!! 

XXXX XXXX is known for doing bad practices of this nature. If this matter is not rectify ASAP!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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

Unauthoried accounts on credit report 1. An collection at XXXXXXXX XXXX, Opened XX/XX/XXXX orginal creditor XXXX XXXX XXXX. An XXXX Account at XXXX, XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had did my daily check on my XXXX XXXX and I noticed it went down XXXX points. So checked my report and saw that there was a hard inquiry placed on my report. There was a credit card application for XX/XX/XXXXXX/XX/XXXXXXXX on the XXXX I didnt do the application.
Product: Student loan

They started calling XXXX to 6 times per day from a XXXX Number. They call early in the morning and late at night not to mention the XXXX calls i get during work hours. 
Now they are using a XXXX number and doing the same thing as the XXXX Number. 
I do not want to be harrassed as i am not up to pay back my loans until XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020 JP Morgan Chase Bank closes my account because they say I got a deposit that was a business loan and my account wasnt a business account so they close my account and took all of my funds I had in my account. I cant even pay any of my bills
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving n 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 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 XXXX to XXXX late payments on XXXX accounts that I was never late for. The 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 accounts that I have included screenshots inside this complaint in on dates 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 paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached and or pdf.
Product: Mortgage

On XX/XX/XXXX a signed and notarized modification agreement was sent to Shellpoint Mortgage Servicing. I confirmed that the received these documents XX/XX/XXXX via telephone. The modification was supposed to have gone into effect with my XX/XX/XXXX payment, but as of XX/XX/XXXX they have not completed any of the system changes for the modification. Per the modification agreement I began making my modified payment XX/XX/XXXX. I am still receiving past due notices, this is effecting my credit, and my loan is still showing due for the XX/XX/XXXX payment when it should be due for the XX/XX/XXXX payment. 

I have attempted to contact Shellpoint Servicing on several occasions, but the " person who is handling my file '' is never available. I have requested this to be escalated to management on 3 separate occasions, and have never gotten even a call back regarding it. 

I am attaching a copy of the unsigned agreement as the signed agreement was sent back to Shellpoint Mortgage Servicing on XX/XX/XXXX and I did receive confirmation they received the signed document on XX/XX/XXXX as stated above.
Product: Debt collection

I just have received a Debt Collection letter from the company called MIDLAND CREDIT MANAGEMENT, they said I owned {$1500.00} for XXXX XXXX and I will be suited if I do not paid in full by XX/XX/. However, I received this letter was on Tuesday which was XXXX 

The most important thing is, I do not identify this amount.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit score via CreditKarma, and noticed a hard inquiry from a " XXXX XXXX NV '' I am not familiar with this company, however some searching on XXXX lead me to XXXX reviews, and XXXX reviews showing this company to be a complete scam. 
A person referenced in one review is a " XXXX XXXX '' I am familiar with this individual as he has attempted to lock me into a contract for payment processing with a company called " XXXX ''. I urge the CFPB to look into XXXX XXXX, " XXXX '' and the XXXX XXXX XXXX XXXX in XXXX XXXX South Carolina. 
I have attached some public review based evidence of this companies attempts to scam people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XX/XX/2022 by XXXX that a hard inquiry against my credit reports was made on XX/XX/2022 by XXXX XXXX  XXXX. This is a case of stolen identity. I never personally called or applied for a credit card to this institution. I called XXXX XXXX  XXXX that same day to alert them. Fortunately, this was caught before any accounts were actually opened. However, my credit score dropped XXXX points and I was told to report this to FTC. That same day, I froze all credit reporting by XXXX, XXXX XXXX, and Equifax. Any help reversing this negative effect on my credit score would be appreciated. 
thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 from XXXX XXXX to XXXX XXXX 6 transactions of {$250.00} came from my cashapp account to and the recipient with $ cashtag $ XXXX. I had {$15000.00} stolen in 1 minute. I hadnt even heard of this account before nor was I even awake when this occurred. By the time I woke up ( XXXX XXXX  ) I immediately tried to requested a refund from the account that stole and tried to dispute them as fraudulent and contact cashapp to inform then that I had been hacked. 
Immediately I received an automated email telling me basically nothing and that I needed to send the information to dispute through their email. I then responded to the email and continued to get the same automated email 3 more times before they informed me that since my device made the transactions that my claim was denied and they will not be refunding my money. Which isnt possible seeing as I was alone and no one was on my device, not even me.
Product: Debt collection

I received a letter from debt collection company : Cane & Weiner stating that XXXX  has forwarded my account to collections due to a debt that was owed. I called them immediately to explain that the account had been paid and provided subsequent information related to charges on multiple accounts. I also attempted to log into my XXXX  account to verify/ check payment history and my account was locked. XXXX  charged me three times for one order and I was refunded once by XXXX  and received a check mailed by XXXX  XXXX as the card ending in XXXX was stolen and had to be canceled. This card was later replaced with a card ending in XXXX. This left one charge remaining which was paid. I did request a dispute on my card ending in XXXX and was refunded pending outcome of the investigation into my dispute. When I was informed that XXXX  would be refunding me I called my credit card company to inform them and was informed that the charge would return to the account once XXXX  refund had posted. 

Timeline of charges/ refunds XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  charged XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX received check via XXXX XXXX for refund of charge to XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX card charged XXXX XX/XX/XXXX purchase adjustment provided amount XXXX by XXXX XXXX XXXX  for dispute of duplicate charge XX/XX/XXXX refund provided by XXXX  amount XXXX XX/XX/XXXX purchase adjustment added charge of XXXX back to my account