23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/17, XXXX along with ERC is claiming that I owe {$170.00}. Which I believe is FRAUDULENT. I never conducted business with XXXX during 2017.
Product: Credit card or prepaid card

My complaint is regarding the rewards program with XXXX 's XXXX Master Card issued by Synchrony Bank. I have been a customer for approximately 15 years and my rewards check has always been issued on XX/XX/XXXX each year. This year a couple of weeks prior to this, I received a letter stating that : " For your convenience, starting in XXXX, the XXXX XXXX XXXX Mastercard Cash Back Rewards you earned in XXXX will be automatically loaded onto your XXXX XXXX XXXX membership. We will no longer issue you a check. Look for the blue envelope with your Rewards Notification Letter to confirm when your Cash Back Rewards are loaded. Once loaded, you can redeem them at any U.S. or Puerto Rico XXXX XXXX XXXX. '' I waited for the " blue envelope '' delivered in my mail on XX/XX/XXXX. I went to my local XXXX XXXX XXXX and attempted to redeem my points and was told by the customer service agent at the store that the points amount had not been loaded onto my card yet. They called customer service at Synchrony Bank and we were told it could take up to 10 days for the amount to be loaded onto my card and to check back on the XXXX or XXXX. 

I returned to the store on the XXXX to find that the points amount had still not been loaded so we called customer service at Synchrony Bank again and was then told that there was a " glitch '' in the system and some customers funds had not been loaded and I should check back with them in about 14 days from the date of issue of my letter. 

I called again on the XXXX, exactly 14 days after the date of the letter and now they tell me to just keep checking because they don't know when the " glitch '' will be fixed. 

I phoned again today XX/XX/XXXX and was told that the funds are still not loaded to my card and again they tell me to just keep checking. Not that it should matter how big or small, but my reward amount is over {$1400.00}. I asked them if they would be paying me interest ( 25 % ) on my money that they can't seem to release, because this is what they would be charging me on an unpaid balance. I also asked them if they could simply send me the check in the mail as in years past, but they said no they could not do that. 

Surely I am not the only customer this is happening to and I don't care how they resolve it, I just want a resolution soon. Can you please help me?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : SANTANDER CONSUMER USA Account Number : XXXX Reason : I don't recognize this account
Product: Vehicle loan or lease

I purchase the vehicle an i was'nt offered any insurance for this vehicle an i make a down payment. Which is a consumer violation / 15 U.S. CODE 1605 / 15 U.S. CODE 1662 / Truth in Lending Act Regulation Z / 15 U.S CODE 1635
Product: Credit reporting, credit repair services, or other personal consumer reports

on the XX/XX/2020 i asked the 3 bureau ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXto remove the negative items that are being reported because they are unaccurate information on my car payments. Ive never been late .The company that financed my car is Westlake financial services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 5 ). The following account information is inaccurate and needs to be corrected or deleted : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Dispute : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Dispute : XX/XX/XXXX Nature of Dispute : Under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am disputing these 2 accounts on my credit report. These accounts are fraudulent accounts and I have no knowledge of me opening these accounts. This is against consumer law and ask that these fraudulent accounts be removed within 4 days after receiving this by FCRA Consumer Law. 

Sincerely, XXXX XXXX
Product: Mortgage

My mother passed away XXXX XXXX XXXX due to XXXX. She had ACH payment setup to Specialized Loan Servicing to come out on the XXXX or XXXX of every month from her XXXX XXXX XXXX bank account since XXXX. When she passed away her house went into probate and I became the administrator of her account on XX/XX/XXXX. Once I was her administrator for her Estate I received a statement from the lender on XX/XX/XXXX. This statement claimed that she had missed 5 months worth of mortgage payments. 

XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} Total Unpaid Fees : {$6100.00} I made this payment of {$6100.00} on XX/XX/XXXX. Once the late payments were current the lender couldn't continue the foreclosure process. 
As I slowly began gathering more of my mother 's accounts I learned from her bank statements that the payment for XX/XX/XXXX {$1100.00} and XX/XX/XXXX {$1100.00} had been made. 

XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX ACH withdrawal Specialized loan XX/XX/XXXX XXXX ACH withdrawal Specialized loan These payments had been taken out on the provided dates above. The bank account was charged off on XX/XX/XXXX. 

When I informed SLS of their mistake they denied it every time I called excepted once on XX/XX/XXXX I spoke to XXXX who confirmed I was correct but nothing came of it. Even after I provided proof of payment they claimed that the ACH was reversed on XX/XX/XXXX. 

I received an automated email from them giving me a breakdown of my mom 's payment history. On that breakdown there is 2 payment reversals that occurred on XX/XX/XXXX by their own documentation. 

None of these reversals are reflected on any of the XXXX XXXX XXXX bank statements. When calling the representative from XXXX XXXX XXXX it was clear to them that none of these reversed payments happened. The XXXX XXXX XXXX confirmed that the account was charged off without any action on their side in regards to reversing payments on XX/XX/XXXX. 

Therefore this leads me to believe that SLS intentionally reversed XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX to create a foreclosure process. FIVE days after the bank account was charged off by XXXX XXXX XXXX. 

I've provided all the documentation needed to move this case forward. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hors stating the account is accurate, without providing any evidence if a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's Recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

My credit report has accounts I think were added without my approval and are inaccurate. I ask that they be blocked and removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE ACCOUNTS I AM DISPUTING ARE FRAUDULENT AND NOT MINE. MY PLEA IS THAT THE PERSON READING THIS WILL UNDERSTAND THAT I AM CONSUMER AND I AM VICTIM, I BEG YOU TO PUT YOURSELF IN MY SHOES, SOMEONE STOLE MY INFORMATION, I UNDERSTAND THAT XXXX AND XXXX ( XXXX ) ARE BIG COMPANIES AND I UNDERSTAND THAT I AM A XXXX BEING A WOMAN, BUT I AM BEGGING YOU TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. MAYBE MY INFORMATION WAS STOLEN FROM THE EQUIFAX, I DON'T KNOW HOW THE THIEF GOT A HOLD OF MY PERSONAL INFORMATION BUT PLEASE PLEASE REMOVE THESE ACCOUNTS FROM MY EQUIFAX CREDIT REPORT. 

I HAVE NOT RECEIVED AND BENEFIT OR GOODS FROM ANY OF THESE COMPANIES. 

THANK YOU
Product: Mortgage

I purchased my home in XX/XX/XXXX from XXXX XXXX XXXX. Years later XXXX XXXX XXXX purchased XXXX. My loan was paid off with XXXX. We even paid 2 payments in one month to reduce mortgage by 10 or 15 years. 
I started receiving letters from XXXX saying they had my mortgage, years later XXXX company. These people took over the loan around XX/XX/XXXX. They are extremely deceitful. They lie about payments not being made, when you see the payment on my bank statement. They add 2 or 3 different late payments in one month. 
I am sure my home is paid off so I do not know why I am making these payments. On XX/XX/XXXX I received a letter from XXXX saying they transfer my loan to SPS company. This is a Portfolio Company. These people have been harassing me by calling my home at least 12 times a day. When I answer the phone they hang up. I am making payments to them. They are saying that they are going to foreclosure on my home after XX/XX/XXXX if I do not make this ridiculous payment amount. 
First of all, I am not late with any payments. SPS was sending false information to the credit Bureaus regarding late payment status when I was not late and they said even if people were late they wouldn't provide any negative information before 60 days has passed. However, this still did not apply to me.. 
I also found out that XXXX still owns the loan. I XXXX reviews on XXXX and SPS and they both had 1000 's complaints. All of them familial to mine. 
Please help me with this serious issue. 
These people have added over hundreds of thousands of dollars being fraudulent and corrupt. 
Please I beg you in God 's name, help me with this fraud. I need to know what to do. I want to sue them because they have stolen from me and are threatening to take away my family home. I am broken emotionally and physically. 

Why would someone to this to anybody. 
Please help me. 

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

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've filed a FTC Identity theft report and sent it to all three credit bureaus and even the company that's reporting. I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported are : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have even sent copies from XXXX & XXXX   showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting or other personal consumer reports

Accounts showing a balance and ran as a charge off I never received the 1099-c cancellation of the debt and it needs to be removed. It is an accurate.
Product: Checking or savings account

In short, the bank, in this case Chase Bank, continues to charge my personal checking account a $ XXXX XXXX fee even though XXXX ) I have sufficient funds to avoid this XXXX service fee and XXXX ) I have linked my business account with a balance of {$5000.00}, which also means I do not owe this fee. 

I am making this complaint because I have had to call Chase XXXX separate times to have them refund these service fee charges, which they have done, BUT they also informed me that their computer system may so this again because it sometimes does not recognize that its customers have sufficient balance in their account and will charge them anyway! XXXX. I respectfully request that you, the CFPB look into inappropriate service fees charged by Chase to its customers, as you all did with XXXX XXXX recently, which resulted in a large fine to the bank. 

I have attached a snapshot of my account activity as evidence. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the 2nd attempt I am interested in disputing all incorrect information on my credit report with transunion. alot of data is invalid. this is causing alot of delays to my file please correct an remove all information listed.
Product: Checking or savings account

I filed a complaint with the CFPB about this company putting my account in the negatives a few months back for a disputed transaction that was finalized. On XX/XX/2022 I went to the post office and tried using my debit card and the transaction declined. I had the money in my balance and it did not state why the purchase declined. I messaged cashapp through the app to see why. They informed me that my card is deactivated but did not state why. They deactivated my card in retaliation to me filing a complaint about them going back on their word. If I violated the terms of service then my account should have been completely gone but instead they suspended my card causing me embarrassment in the post office.
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 unfairXXXX XXXXXXXX XXXX as the 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, credit repair services, or other personal consumer reports

Equifax makes it extremely difficult to place or temporarily lift a security freeze due their problematic verification process. This is ironic since they created the need for security freezes in the first place. The questions they ask you to answer correctly in order to verify your identity are incorrect or from such old data that each time I have to escalate the call to verify myself. Their online and phone system for this process always fails and there is no expedient way to get help. I have no trouble with XX/XX/XXXX or XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Accounts Due to Identity Theft To Whom It May Concern, I am writing to request the removal of charge-off accounts from my credit report that were obtained through identity theft. I have recently discovered fraudulent activity on my credit report, and I believe that the following accounts have been opened without my consent : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date of Account Opening : XX/XX/XXXX - Amount of Debt : {$18000.00} I am a victim of identity theft, and I have taken the necessary steps to report this crime to the authorities and have filed a police report [ if applicable ]. I have also contacted the affected creditors to inform them of the fraudulent accounts and have provided them with the necessary documentation. I have attached copies of the police report and correspondence with the creditors for your reference. 

I am requesting your assistance in investigating and removing these fraudulent accounts from my credit report as soon as possible. I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or fraudulent information on my credit report. Given the circumstances, I kindly request that you initiate an investigation into the validity of these accounts and remove them from my credit report. 

Enclosed, please find the following documents to support my claim : XXXX. Copy of my government-issued identification. 
XXXX. Copy of the police report. 
XXXX. Copies of correspondence with the creditors. 
XXXX. Any other relevant documentation that you may require. 

Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. I understand that you have 30 days to complete this investigation, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue, and I appreciate your cooperation in rectifying the negative impact of these fraudulent accounts on my credit history. 

Sincerely, XXXX XXXX XXXX Enclosures : LETTER FROM CREDITOR, ID, SSN, FTC REPORT, POLICE REPORT, & BANK STATEMENT.
Product: Vehicle loan or lease

XXXX caused me to get behind, Where I work everytime someone is sick they get tested then everybody else in the office has to go home for 11 days and get a negative test to return. This has seemed to happen numerouse times each time cosyting me 11 day of income. 
Contacted Wells Fargo Auto and made some double payments they keep sending a right to cure default with very limited time to pay. I sent them a letter stating that Wisconsin law states you can not repossess a car if there is a breach of peace and the mere objection constitutes a breach of peace. Hoping they would allow me time to catch up and they said tehy do not care they will go ahead. Wisconsin law only allows for remedies after an illegal repssession not before and I need the vehicle to get to work. 
The last right to cure default only had me two payments behind one late and one very recent Please help me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning persistent inaccuracies and procedural deficiencies in the handling of my credit report by multiple reporting agencies. Upon reviewing my credit report in XX/XX/year>, I identified several discrepancies that misrepresent my financial behavior and creditworthiness. 

Identified Accounts with Discrepancies 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 XXXX XXXX Despite notifying the concerned agencies and requesting a thorough reinvestigation, the responses I received assert that all information is complete and accurate. This conclusion is demonstrably false and contradicts the evidence I have attached with this letter. 

Legal Grounds for the Complaint : 1. Fair Credit Reporting Act ( FCRA ) Requirements : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681e ( b ) ).

2. Duty of Furnishers of Information : Under 15 USC 1681s-2, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

3. Obligations Upon Dispute : As per 15 USC 1681i, if a disputed item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected by the consumer reporting agency, which then must notify the furnisher of the change.

Issues Encountered : 1. Inadequate Investigation : The agencies have failed to perform a proper reinvestigation as mandated by 15 USC 1681i. The evidence I submitted, which highlights discrepancies, was overlooked or ignored.

2. Lack of Communication : Contrary to 15 USC 1681i ( 7 ), I was not provided a detailed description of the reinvestigation process within the stipulated 15-day period following my request.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are addressed by having the disputed accounts deleted from my credit report, in accordance with 15 USC 1681i. This action is justified given the failure of the credit reporting agencies to adhere to the statutory requirements regarding the accuracy and verification of reported information. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX, XXXX.