23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX credit card transactions totaling {$1300.00} was reported to Chase immediately as unauthorized transactions because I received automated notification of suspicious activity. Today, XX/XX/XXXX I received a letter from Chase saying these are valid charges even though these were unauthorized transactions in which I never benefited or received anything from these two transactions. I also never authorized these transaction and promptly reported my card and identification stolen to Chase. Chase has not provided any signature receipts or any type of evidence to back up their flawed conclusion, only a letter which is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX
Product: Mortgage

I went to Waterstone Mortgage Company to get a loan for a house through the FHA assistance program at the end of XX/XX/2019. I found a home I was interested in purchasing mid XX/XX/2019, put in an offer, and paid {$500.00} to get the home inspection. The loan officer then said it was okay to proceed with the appraisal which cost {$500.00}. The loan was approved by the Underwriter. The loan officer did not make sure that all the Seller 's paperwork was in order for the FHA portion of the loan before proceeding with inspection or the appraisal. I was not aware. She was aware. In mid XXXX of 2019 the lender told me that there was an issue that Waterstone Mortgage company could not handle. Therefore, I would not be able to finance this house. I however found another lender from a different mortgage company who could possibly work out the issue and continue the process. When the loan officer from Waterstone found this out, she proceeded to send out the bad information to the FHA to insure that no other mortgage company could finance the loan. Her actions cost me {$1000.00} in losses and prevents the seller from being able to sell the house in the future. This action at the very least is unprofessional and other consumers should be aware of this predatory practice.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> OPP Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Request for Form 1099-C Dear OPP Loan, I hope this message finds you well. I am writing to formally request a copy of Form 1099-C for the account referenced below, which has been charged off. 
Account Information : Account Number : XXXX Account Holder Name : XXXX XXXX As you are aware, the IRS requires that Form 1099-C be issued for debts that have been canceled or discharged, and I would appreciate your assistance in providing this document for my records and tax purposes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payments on the Mr Copper website for XX/XX/XXXX and XX/XX/XXXX and its was reported 30 days delinquent both months. The payments are made before the end of the payment due month. I notice the payment amount had change in payment due for XX/XX/XXXX later on. I dont think that if the payment was made before the end of the month that I should be reported 30 day past due. Also, I dont believe I should be 30 day past due for XX/XX/XXXX if I made the payment on there website and the amount was for that month due was made. I believe there was a computer glitch that did not reflect the true amount due once the month amount changed.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma offered a credit card offer from XXXX and many other credit card companies seeking payments before being approved for credit card. I was notified to apply due to good chances based on my qualifications. I was immediately denied and this put a negative report on my credit. I was not seeking XXXX Card or other companies they promoted. Credit was being offered based on Credit Karmas credit monitoring which had negative affects on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 


I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 


I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 



I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to Transunion, XXXX, and XXXX to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the FCA to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud
Product: Vehicle loan or lease

During the middle of XXXX of 2019 I logged into kmfusa.com and  moved my monthly vehicle loan due date forward by 19 days or so. So my previous due date was XXXX and my new due date would be XXXX and all other payments from that moment forward would also be made on the XXXX of the month. Everything goes as expected, on XXXX I get a confirmation letter stating the updated due date is now changed, along with this statement " If you purchased a policy or policies of Credit Life and/or Disability Insurance, said policy or policies might not cover this extended term. '' So as you can even read this my new due date has also extended the final loan payment out by 19 days. XXXX Kia Motors Fiance gets the monthly balance of XXXX paid in full. XXXX another monthly statement is generated saying I owe the usual XXXX on XXXX, XXXX payment is made in full for XXXX. XXXX another statement is generated stating I owe the usual XXXX on XXXX. On XXXX I get a phone call stating I am a month behind on my vehicle payment, the rep has to go through the information and states I did not make a payment in XXXX and I said yes I moved my payments forward and changed the due date on the website. He basically says that is not how that works and I am a month behind. The website was very clear about me only being able to move my due date forward 19 days and this was a onetime option that I could do. Why did it take 3 months to even bring this up, there website shows that I was in good standing making on time payments for 3 months and randomly on XXXX I am now a month behind because of a date change 3 months ago. I have all the statements to back this up also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.
Product: Credit card or prepaid card

I refinanced my home in mid XXXX. I was given a series of checks by my title company, XXXX XXXX XXXX XXXX to pay off ALL of my credit cards. ALL have credited EXCEPT US BANK, which has become a DISASTER!

I've been a LOYAL, RESPONSIBLE US BANK customer for over 12 years!

I sent US BANK, VIA OVERNIGHT EXPRESS MAIL ( label attached, Tracking # XXXX ), a check for {$6700.00} ( copy of stub attached ), written by XXXX XXXX, on XX/XX/2019 to US BANK, XXXX North XXXX XXXX, XXXX XXXX, MO, XXXX ( contact address page attached ) AS DIRECTED TWICE by Customer Service and the address was verified EACH TIME. The envelope was accepted and SIGNED FOR By XXXX XXXX at XXXX ( tracking details attached ). 

The check was ILLEGALLY sent back to XXXX XXXX  instead of the RETURN ADDRESS on the envelope with a letter ( attached ), unsigned, stating the " account number to apply the payment to is missing or invalid ''. I TRIPLE CHECKED the account number and it IS VALID! I was called by the title company on XX/XX/XXXX and told they had just that day received the check and asked me to retrieve the check so it could be resent which I did on XX/XX/XXXX. My payment was due on XX/XX/XXXX so IIMMEDIATELY went to the USPS and AGAIN SENT VIA OVERNIGHT the check to US BANK a SECOND TIME ( USPS LABEL ATTACHED, Tracking # XXXX ). It was received AGAIN on XX/XX/2019 and again received and signed for by XXXX XXXX at XXXX, AGAIN, at the XXXX XXXX address. 

I called the USPS in XXXX XXXX and actually spoke the the VERY CARRIER who told me that these envelopes were in fact delivered and ON TIME! Apparently the Convention Plaza address is a central receiving point and subsequently distributed to the proper building in the complex for crediting accounts. THIS HAS NOT HAPPENED IN EITHER CASE. 

I have called no less than 8 times and spoken to representatives, supervisors, etc but to NO AVAIL. I have spoken and messaged " XXXX '' on US BANK 'S instant messenger page and have been told they are " working on it ''. I have emailed the CEO Of US Bank, XXXX XXXX XXXX, and have been told they are " working on it ''. I even left a message on one of the Vice President 's voice mails and have yet to hear anything on this DEBACLE!

In the meantime, MY ACCOUNT HAS BEEN SUSPENDED. INTEREST AND LATE FEES HAVE BEEN APPLIED ( US BANK STATEMENT ATTACHED ). And NOBODY seems to have ANY desire to rectify this horrific display of disregard, ineptness and incompetence!
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash A

pp ( 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 proce 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 | XXXX financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage was " sold '' to loancare by another company. Based on getting paid monthly, we always paid our mortgage on the XXXX before late fees accrued and paid online. After the mortgage was changed to loancare, we have had to pay " late fees '' based on when it is paid. Ex. 1-5 days {$5.00} extra, 10-15 and 15-30 {$10.00} extra. Not to mention, IF for whatever reason we get paid late, we have to pay the mortgage later and then there is a real late fee ... so we are paying DOUBLE late fees. Again, I stress, we have NEVER had to pay late fees with our previous arrangement. We do not have a ton of money so every little bit counts in this day and age. I called loan care to explain the fees and they said it is a fee to USE the online payment option. Being the technology age, this is the ONLY company that CHARGES to pay a bill. It is also very odd that a fee would change amounts based on when a bill is paid. I called numerous times to ask for the due date to be changed so I can avoid these charges and they said " no, the due date is based on your last company 's agreement, therefore, we will not change the due date. '' They do not even try to work with you. One lady even said, this is how we make our money. I am so appalled that they do not work with and it is frustrating to pay extra every month for no reason. To my understanding, this is a management company that works for financial institutes. It is not fair to the customer to pay extra on top of what we agreed upon.
Product: Checking or savings account

Wells Fargo put the few XXXX dollars form payroll deductions for an XXXX XXXX  XXXX  into an unsuitable 'managed ' account, which lost much of its value. They " managed ' to lose hundreds, and took the rest of my money with high fees. Since I was not notified, this was illegal. Calling them was a waste of time. 

Compare this to my experience with my main plan, from a small non-union XXXX XXXX, which also had to liquidate their fund. 

A single XXXX  person helped about XXXX former employees transfer to no cost XXXX XXXX  online account, into FDIC insured, money market fund, with no fees paying a little interest too. Fully liquid, I could then buy stock, bonds with great online app, at my own pace. 

Link to XXXX XXXX XXXX Wells Fargo Agrees to Pay {$1.00} Billion to Settle Pension-Led Lawsuit XX/XX/2023 '' Wells Fargo Agrees to Pay {$1.00} XXXX to Settle Pension-Led Lawsuit Mississippis public employees ' fund, a Louisiana sheriffs fund and the state of Rhode Island were among the lead XXXX XXXX 

XXXX XXXX XXXXXXXX? XXXX This EMAIL is to serve as a demand letter. If I do not get my original balance restored, then dispersed as a XXXX payout in a check, with a proper 1099 I will pursue this matter in court.

I called Well Fargo about 10 years ago to complain about management fees totaling 26 % of the value DECLINING fund. One hour on the phone got me nothing. I asked why wasn't it all in a XXXX XXXX, and can you do that? I was told they didn't have that. But there is some in a XXXX, with a 3 % fee, which is usually no cost, because there is NOTHING to manage. 

I asked them if they thought it was fair to XXXX XXXX, a poor performing fund with a small amount of money.. They just told me about thinking long term and it might come back. Since the fund had less than {$1000.00} to begin with, I decided to let it roll, just to see if they would take it all. How could it come back with Wells taking 26 % in fees?

Now they are saying they need a " contract number '' to verify. In addition to my account number, just to access, or to ask questions. Then, they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX am filing a complaint against the CRAs for reporting information on my consumer report that was obtain illegally. I have contacted the clerk, XXXX XXXX, at the XXXX Bankruptcy Court to confirm if they shared a discharged bankruptcy on my name with any of the CRAs. The clerk 's office confirmed that they do not share such information with the consumer reporting agencies. I contacted XXXX, they confirmed that this reporting is no longer in their system, I reached out to all three XXXX, Equifax, and XXXX to confirm where they are getting information of such bankruptcy that is being reported on my consumer report they all stated that it has been verified. I have no idea where they are confirming this information with, they are reporting information that was obtained legally because I did not consent of such reporting on my consumer reports and the court confirmed that they did not share any information with the CRAs. The CRAs are ruing consumers lives by violating the laws that are in place to be followed, they are intentionally reporting negative information. That is outrageous and something needs to be done about this.
Product: Debt collection

A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted paypal and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one paypal account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed paypal about the issue so I would have written documentation of the issue at hand. I finally got Paypal 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from Paypal ) called from XXXX, XXXX XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though Paypal says it's not.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 1637 ( 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 XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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