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

On XX/XX/XXXX I sent a dispute to the bureaus regarding a late payment I don't believe I was completely 30 days late on ; it has been 1 time so it shows that my payment history is exceptional! When the bureaus didn't respond to me in the 30 days they were legally supposed to, I sent another dispute on XX/XX/XXXX. Again, 45 days go by with no response from the bureaus ; it is now XX/XX/XXXX and yet AGAIN nothing from any of the bureaus! I'm well aware there have been delays due to the global pandemic, but having no responses from the bureaus since I started in XX/XX/XXXX ( 5 months of disputing ) is not okay by any means!
Product: Credit reporting, credit repair services, or other personal consumer reports

loanadministration, or XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX illegally and incorrectly reported my MORTGAGE as " 30 DAY past due date! 

I paid off the whole mortgage in XX/XX/2020. I was never late in the years while holding the mortgage. After I paid off in XXXX, then suddenly it was reported as delinquent. 

1. If it is " 30 DAY past due date '', they shall send letter to notice that. They never did.

2. The loan was in COVID forbearance for few months. It was current all the time.

3. When i requested to pay off and I paid in XXXX. It was marked as delinquent. 

I called the company and try to resolve the issue. They are very rule. And they refuse to let me talk to a manager. They keep bullying customers and ask me myself to take care of the issue. It is this loan company did this illegal report and fraud to ruin people 's credit. Until I found out myself when checking my credit, I would never even know it.
Product: Debt collection

On XX/XX/2022 ATG CREDIT added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, ATG CREDIT has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with Transunion, XXXX, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is the NCTUE, a credit reporting agency for utilities and phone companies. 
XXXX XXXX XXXX : NCTUE sends me a postcard alerting me that there is derogatory/delinquent information on my record. 
XXXX XXXX : I send a reply letter to NCTUE asking for my full report, in accordance with my state 's laws requiring full reports be furnished ( Colorado ). 
XXXX XXXX : NCTUE sends its full report to me. My main complaint is that the report claims that I have a delinquent {$150.00} from XXXX on account number starting with XXXX ..... This is just not true. I contacted XXXX and documented evidence that there is no such delinquency for the address that I was located at during the year reported - XXXX. They claim I owe something that the company itself, XXXX, does not claim that I owe.
Product: Credit reporting or other personal consumer reports

I've formally requested XXXX XXXX  to validate and verify the negative account they've reported on my personal credit profile, specifically asking for an acknowledged agreement and transaction history regarding the balance calculation. However, they've declined to furnish any documentation validating this account while still reporting this unverified debt on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Theses failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to request that you remove all inaccurate information from my credit report. The information that is currently reporting is false and incorrect and goes against a credit law. I am requesting that this information be removed immediately. 

I understand that the CFPB is responsible for protecting consumers from unfair, deceptive, or abusive practices and enforcing federal consumer financial laws. I am confident that you will take the necessary steps to ensure that my credit report is accurate and up-to-date. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Open Type FHA real estate mortgage Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX XXXX  bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian, XXXX, XXXX requests after requests to remove security freeze and Fraud Alerts. I have even sent proof of address and Utility bill as you requested but you are stalling the process deliberately hurting my livelihood as well as the one of my family as it relates to us not having access to descent credit or a home to live in.
Product: Debt collection

Williams and Associates has contacted my siblings, my XXXX yr old grandmother and said they have a warrant for my arrest to 2 of them and said to one of my siblings and myself they are sending a summons for court for an unpaid debt. They say this debt is from XX/XX/XXXX -XX/XX/XXXX I've owned 2 homes and built a home 3 years ago and have nothing on my credit report nor have I had an account with said debtor. They have threatened and harassed my family members. It's out of hand!
Product: Credit card

My credit card went missing a few weeks ago. Once I realized I got on my Wells Fargo app to pause the card and noticed it was used twice somewhere. I called Wells Fargo TWICE to settle this and they have denied both requests even though the transactions werent made by me. At first they reimbursed me and then took it back. Im not sure what else to do. I ended up canceling the card and getting a new one but theres over XXXX that was spent
Product: Payday loan, title loan, or personal loan

Hello I've applied and have been using Flex services for a couple of months. You must have funds available to charge on your card for your first months rent. Then the service will pay your full month it's split into to payments and a membership is charged monthly. I've been having problems and had the money. When XXXX came time to pay you can not get hold of anyone for hours. It's all thru email, no phone call, no phone service only thru customer support. I just received a eviction notice and I was charged XXXX for my bill. You have until the 5th from my complex to pay and I did and got a email the next day saying they could not charge my payment. Made no sense when I've sent XXXX emails since XXXX XXXX  on the XXXX requesting for payment to be made. I was told the next day should d XXXX XXXX that they could not post payment or had problems. I made sure there was no problems. 

Spoke with my complex and said they should of had no problems making payments. There stating you must have XXXX. And I did but they paid with a credit card which is still showing in my account. Now I am left with late fees and evictions notice. This is bull. 

Bad business ratings for this company because people can not get a hold of them. They also deactivated my account by mistake according to the rep on XX/XX/22 but reactivated XXXX XXXX XXXX apologizing for the inconvenience. The rep told me. And then took my second payment. In XXXX we had an issue they took my rent payment on the XXXX then did not pay until the XXXX. The company is flexible finance Inc. 

Please help.
Product: Mortgage

US Bank purchased my mortgage from XXXX XXXX. With XXXX XXXX, we paid the yearly insurance and property tax ( escrow ). US Bank set up an escrow account and raised our monthly payments at an amount of twice the known amount of taxes and insurance, refunding us XXXX dollar for XX/XX/XXXX. For the year XX/XX/XXXX, our taxes and insurance increased by XXXX dollars.  US Bank increased our escrow to reflect the Exact amount needed for taxes and insurance ; however, decided to charge us an additional XXXX dollars a month to " build in a cushion. '' After being hung up on, transferred and speaking to two different supervisors in two different departments, they both told me that " it is their right '' to " build in a cushion ''. How is it ok for a bank to force me to pay them " cushion money '' when I already pay them interest on the loan. Of which a loan that I never applied for with them. XXXX XXXX   did not have a " cushion '' requirement in their mortgage agreement, how can US bank purchase the agreement with no notification to me and modify the original agreement without my consent. When I asked to pay my own escrow account, I was told that I would incur a fee of one percent penalty of the original loan amount. They raised my monthly payments by XXXX  dollars a month for a XXXX dollar increase in escrow. I have made two requests for an itemized explanation and both times I was informed that it was sent out " a month ago. '' They have my mortgage, so I know they have the correct address ; however, I sill haven't received anything in the mail except a new bank statement demanding additional money and an outline of penalties if I send them my money late. How it is legal for a bank to extort money for a " cushion '' because its " their right '', in the mean time they build interest on my money, only to send me a check for the extreme overpayment, several months after the close of the fascial year. Had I known US Bank was going to buy my loan, I would have immediately refinanced when the interest rates were still low. Now my only options are 1 ) refinance at a higher interest rate and pay refinance fees. 2 ) stay with US Bank and continue to have them increase my mortgage for their make believe " Cushion '' 2 ) Pay US Bank a ridicules fee for the privilege to use my own money to pay my taxes and insurance. The most frustrating part of this is how smug US Bank customer service is, telling me it is " their right '' to simply charge me a " cushion. '' I have never missed a payment, I have even made extra payments. I even have a credit score of over 800.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the amount of debt ( XXXX ) that southern management system is currently attempting to collect from me. After reviewing the information provided by your agency, I have discovered that the amount being claimed is inaccurate and does not align with my records. 

Upon receiving your collection notice, I immediately began to investigate the debt in question. After thorough review, I have confirmed that the amount being pursued by your agency does not match the original debt that I owe ( XXXX ). I have kept detailed records of all my financial transactions, and I can assure you that the amount being claimed is incorrect. 

I am requesting that your agency provide a breakdown of the debt, clearly outlining how the amount has been calculated. It is important for me to understand how the total has been determined in order to address this matter accurately. I would also appreciate any documentation or evidence that supports the debt amount being pursued. 

In addition, I would like to bring to your attention that I have not received any prior communication regarding this debt. It is important for me to understand the origin of this debt and any prior attempts to contact me regarding it. I believe that as a consumer, I have the right to be informed about any debt and to receive proper documentation before being pursued for payment. 

I would like to emphasize that I am not disputing the existence of the original debt, but rather the amount that is currently being claimed by your agency. I am committed to addressing my financial obligations, but it is crucial that the correct and accurate amount is established before any further action is taken. 

I am kindly requesting that your agency cease all collection activities until the accuracy of the debt amount has been verified and provided to me in writing. I believe that this is a reasonable request and falls within my rights as a consumer under the Fair Debt Collection Practices Act. 

I am prepared to cooperate fully to resolve this matter, but I must insist on having the proper information and documentation regarding the debt in question. I hope to resolve this issue amicably and promptly, and I trust that your agency will work with me in good faith to reach a fair and accurate resolution. 

I look forward to your prompt response and resolution to this matter. Please address all correspondence regarding this dispute to the address listed below. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
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 and address fraud in 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 Electric Fun Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 violates the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraudulent activity on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unsuccessful, unstable and also 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 inconveniences and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am formally disputing inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns about Experians compliance with these legal obligations. The CFPB has alleged that Experian engaged in inadequate investigations, violating consumer protection laws by failing to conduct proper reinvestigations as required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these legal requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : [ List each disputed account or item, including account numbers if available. ] 2. Provide all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any inaccurate, incomplete, or unverifiable information as required by law.

Enclosed, please find copies of my identification and supporting documents to facilitate your investigation. Given the CFPBs recent findings, I expect Experian to handle this dispute with the utmost seriousness and in full compliance with FCRA requirements.

Please respond to this dispute in writing within the legally required timeframe. Should Experian fail to fulfill its obligations, I am prepared to escalate this matter to the appropriate regulatory authorities and consider further legal action if necessary. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Charging me XXXX dollars for not having money on my bank account I recently lost my job and my account dipped below XXXX for a day and I was charged making it hard to make ends meet XXXX they ( TD bank ) are blocking me from using 3rd party apps from accessing my financial information MY INFORMATION
Product: Debt collection

There was a garnishment that was submiited to the XXXX XXXX XXXX XXXX with a balance owed of # XXXX. I submitted a complaint last month that the balance was paid and received a reply that they had not received all of the funds. I get paid weekly at my last paycheck it shows that XXXX has been sent for the garnishments even if the check was delayed by a few checks I still should have paid enough to have this garnishment stopped. I have tried calling and leaving messages to no avail nobody returns my calls. I left inquiries on the website to be contacted and have not heard from anyone. I need for this garnishment to be stopped ASAP! I have paid almost {$2000.00} more that what was owed that is unacceptable. They were quick to run down to the courts to file to start garnishing they need to be that speedy to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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