23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made principal-only payments to Mr Cooper via their online portal with enough funds to payoff my mortgage in advance of the monthly payment date. One of my payments ( transaction 173 ) was mis-processed by Mr Cooper 's system as a monthly payment, split between principal and interest, leading to my loan not being paid off. I have spoken with countless agents at Mr Cooper, requesting transfer of the interest payment of {$140.00} in transaction 173 to principal and have been run in circles with no resolution for several days. Once the {$140.00} is transferred to principal, the loan should be paid off and closed. Agents and management have deflected responsibility, hung up, redirected my call back to the automated system, and generally exhibited no concern for what would seem to be a simple request. My request has supposedly been escalated for management intervention for several days, but nothing appears to be moving forward and no one will take ownership to keep me apprised on status. Not only is there gross negligence in customer support, it appears there is systemic resistance to assisting with loan payoff.
Product: Checking or savings account

I have a business savings and checking account at Huntington Bank. I had email alerts established so that If a transfer was made a received an email notification, if my accounts went below {$1000.00} I received a notification etc. 

My account was hacked. Someone transferred the money from my savings to the checking - I was not notified. They then sent {$46000.00} to a XXXX XXXX bank - I was not notified. My savings balance was low - I was not notified. I logged into my account saw the low amount and the transfer made. I immediately contacted the bank and they started an investigation. My accounts were then frozen. However at this point I started getting email notifications again. Per the banker someone was able to access my account and override the notifications. They should have been able to see who did this when they went and restored the notifications back to my email. Further proof of hacking. 

The bank has denied my claim for fraud. They say it comes from an Ip address that is common to me. I have never transferred sums of money like this in the history of my account. This should have been a huge alert for a sum of money like this going out of my account. The largest transfer ever from my account was a one time {$9500.00}, so this was way above normal activity. When I talked with the banker they said there is fraud all the time and this happens. I have not received the details. I feel they should have traced where the money went to, the account etc. There are no ties or relations ships that I have with XXXX XXXX. My account was hacked and this is fraud. The bank will do nothing to restore this. I am appalled at their lack of concern for their clients.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion XXXX XXXX XXXX XXXX late payments XXXXXXXX XXXX XXXX XXXXXXXX XXXX potentially negative months XXXX XXXX XXXX XXXXXXXX negative months XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law.

Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA.

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 
Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies.

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XX/XX/XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Product: Credit card

My credit card with PNC was closed without notice. I just saw it disappeared from my app and I didnt have any unpaid balance.
Product: Credit card or prepaid card

Bank of America sent me a past due notice today XX/XX/19. The full amount due was {$1400.00}. I immediately made a payment of {$1200.00}. I had the funds, just forgot to make the payment.I then wanted the {$25.00}. late fee reversed. In the past due notice was a message that said, " We're here to help, we appreciate the opportunity to serve your financial needs. Please call us at XXXX '', which I then did. I received a recorded message that said, '' We appreciate your business '' and then menu choices. At XXXX XXXX   they gave me a call back from the Virginia Office of BofA. I explained why i didn't make the payment, told them I had just made almost the entire payment, and would they please reverse the $ XXXX.fee. First person said no, I was not eligible to have the fee reversed, I asked why, she said, We don't need to give you a reason, you just aren't eligible. '' I asked to be connected to her supervisor, she connected me to her supervisor named XXXX from Virginia office, she said " it doesn't matter how long you have been a customer with us, and that you wiped out almost the entire balance, you are not eligible for a fee reversal, because you have not lived up to the terms of the agreement you made with BofA to make a timely payment '' ( paraphrase here ) I asked to be connected with the supervisors supervisor who word for word echoed the same statement as # 2 supervisor. All from the Virginia office of BofA. No regard for the fact that I have been a long-standing BofA customer, am XXXX years old, and on a fixed income. {$25.00}. means alot to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is negatively reporting on my credit when the account was closed on XXXX. I made my last Payment on XXXX but after they closed it they reopened this account. The balance i owed should have reported {$1200.00} but instead is showing {$1500.00} & they are report late payments. They are also reporting an address of XXXX XXXX XXXX & i do not stay at this address. 
under 15 U.S. Code 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I should have a right to privacy.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased two Airline tickets of XXXX XXXX with the amount {$470.00} through my Citi Card Credit. Then I found out the XXXX XXXX offered the cheaper ticket, as a result, I cancel the trip with XXXX XXXX. On XXXX XXXX I did call Representative Customer service of my Citi Card Credit to cancel the trip with XXXX XXXX and request to refund {$470.00} back to my account then they referred me to Dispute Charge Center to do that. On XXXX XXXX I did called the Representative customer service of XXXX XXXX to request the refund {$47000.00} to me then they referred me to their Refund request website to do that. Finally, Both refused to refund to me with the reason I didn't call them to cancel the trip while I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charged-off account and updating it every month. If the account is charged-off it should not be reported every month. In addition the account is reported 120 days late XX/XX/2018 and XX/XX/2018. This account is inaccurate. PLEASE DELETE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Credit card or prepaid card

Your company is reporting several accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been ruthlessly targeted by identity thieves, and I am filing this formal complaint to address the outrageously fraudulent information infesting my credit reports. It is important to note that the following items have absolutely no connection to me, and I vehemently declare that I have neither benefited from nor authorized any transactions involving them. The TransUnion, XXXX, and XXXX Credit Bureaus have displayed a shocking disregard for the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by recklessly perpetuating unverified information without presenting any semblance of proof within the legally stipulated timeframe. This relentless and unauthorized reporting is an intolerable violation. Provided below are the specific items currently polluting my credit reports : XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. As an afflicted consumer, I assert my unequivocal entitlement to accurate and just credit reporting. Regrettably, it is abundantly clear that the credit bureaus have flagrantly failed to fulfill their obligations in this crucial matter. The presence of fraudulent items on my credit report not only tarnishes my credit score but also severely hampers my ability to secure much-needed credit opportunities.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  XXXX on XX/XX/year> XXXX
Product: Credit card or prepaid card

Fraudulent charge of {$900.00} after being hacked. Tried resolving with Goldman Sachs since XX/XX/24 and keep charging me the {$900.00}. Keep declining the fraudulent charge claim telling me it was legit. 

Its now 120 days and they keep charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with TransUnion and get the same response. TransUnion responds In the same manner in every response. However, no investigation takes place and no follow up is done. It had been well over 90 days from first initial dispute. Its almost been a year and nothing has been done. I have filed numerous complaints with the CFPB and Trans give the same response every time. After not doing an investigation on the first time I want all Inquires removed on all 3 complaints. 

Complaint # XXXX on XX/XX/XXXX Complaint # XXXX on XX/XX/XXXX Complaint # XXXX on XX/XX/XXXX If these are not removed its time to move forward with class action because Im sure this happens a LOT!!
Product: Prepaid card

Stolen money from my account in 3 day with a set up limit of XXXX total of XXXX after the investigation they said there no problem and 2 transactions made on different county 's at the same time no results of investigation and also happening to 3 my XXXX coworkers the payroll card company name is wisely by adp baked by XXXX XXXX XXXX
Product: Debt collection

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$360.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, XXXX XXXX XXXX has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX does not have any way to contact them to dispute. They keep reporting my account in collection when I have already paid them in full. This inaccurate negative reporting has gone on for several months now and is affecting my credit privileges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15U.S.C. 1681.

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : i have the right to privacy and i did not give Equifax written permission to furnish these accounts : XXXX. XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXXXXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EXTRA AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove these account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX with CU Recovery called my work and started harassing me. I told him to call my cell phone and he state '' if you ask me nicely ''. I have been called by him before and he threaten me, telling me that he was taking me to court and several other threats. I called and spoke to someone else that help me work out what I needed to do. I have gotten on line and paid, which I'm paying every two weeks, that I set up not the company. I will pay my bill, I had messed up my account. He tried to tell me I couldn't I had no one to complain about him to. I was out of work for a while and now working two jobs to get everything cleared away.

Company : CU Recovery , Inc. & The Loan Service Center , Inc . 
XXXX XXXX XXXX XXXX, MN XXXX Get Directions Phone : 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 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 have caused significant inconvenience and financial loss, and I seek appropriate redress Of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a client of Plaza Home Loans for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, Plaza Home Loans decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. Plaza States they haven't recieved it. State Farm Mailed back a check in XXXX to refund the amount they sent. Plaza says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. Plaza has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at PLAZA and still no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.