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

Subject : Complaint Regarding Charge-Off on Loan for XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally request the CFPBs assistance regarding a charge-off reported on my account for a XXXX  XXXX XXXX. The charge-off, reported on has negatively impacted my credit report and financial well-being. Despite attempts to resolve this matter with the lender, I believe this charge-off may not be accurately reported or may not reflect my efforts to make good faith payments. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate or misleading information on my credit report. Additionally, if a third-party debt collector is involved, I am entitled to fair treatment under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that the lenders handling of this charge-off may not be in compliance with these regulations and may reflect inaccuracies that harm my financial reputation. 

Therefore, I respectfully request that the CFPB review this matter and, if appropriate, seek the deletion of the charge-off from my credit report to reflect a more accurate credit history. Alternatively, I ask for any corrective action necessary to ensure that the lenders reporting practices align with FCRA guidelines. 

Please feel free to contact me for any additional information or documentation needed to proceed with this complaint. Thank you very much for your attention to this matter and for your attention and for helping consumers like myself recieve fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Product: Bank account or service

I am an XXXX in XXXX that works on behalf of XXXX low-income and XXXX clients. One of our client 's contacted us concerning an identity theft issue pertaining to his Direct Express account. The client is XXXX and has difficulty traveling throughout the city. He filed a fraud claim with Direct Express because someone used his Direct Express card without his knowledge or permission and withdrew money from multiple ATMs in neighborhoods where our client never travels. Direct Express responded to our client with a letter stating that they had completed his investigation and found conflicting information and that they could not confirm that fraud occurred. There was no further explanation provided in the letter regarding the alleged conflicting information Direct Express used in making their decision. However, the letter stated that the client could call Direct Express to request a copy of the documents used in making their determination. Our client called Direct Express at XXXX on at least four occasions to request the documents. He has yet to receive the documents. Frustrated that he could not resolve this issue on his own, our client asked that I call Direct Express on his behalf to see if I could get a copy of the documents as his attorney. I called Direct Express and offered to provide them with a signed and notarized authorization form from my client giving me permission to communicate with Direct Express on my client 's behalf. The customer service representative at Direct Express said that I could not speak to Direct Express on behalf of my client and I need not submit an authorization form because I am not the client 's representative payee on his Social Security account. I asked the representative if there was a form that Direct Express could send to me that would allow me to communicate on behalf of my XXXX client and I was told there was no such form and that they could not provide me with the information pertaining to his fraud claim. I was unable to assist the client in getting information from Direct Express. As an attorney that works on behalf of XXXX clients, I imagine that many of my clients will face an issue pertaining to their Direct Express card, and unfortunately, I will not be able to communicate with Direct Express in order to assist these clients.
Product: Mortgage

Bank of America has been my lender since 2006. From the inception of the loan I have never had an escrow account and have always paid the taxes and insurance on my house. Recently, Bank of America created an escrow account, deposited two months of mortgage payments into the escrow account, charged me late fees although they acknowledged receipt of the mortgage payments. Despite repeated requests via telephone and mail, Bank of America has refused to credit my mortgage payments for XXXX and XXXX and they have refused to get rid of the escow account although the taxes and insurance are paid. 
I believe BOA created the escrow account because I was out of town for 6 months and the tax bill was mailed while I was out of town. The bank paid the taxes. I reimbursed the bank for taxes together with the XXXX mortgage payment but BOA has refused to get rid of the escrow account. In addition, BOA has refused to credit my account for XXXX mortgage payment and has charged a late fee. Although the taxes and insurance are current and paid, BOA demands a monthly escrow of {$120.00} in addition to the mortgage where one should not exist.
Product: Mortgage

Due to a series of mistakes and/or misrepresentations made by Citibank employees in XXXX and XXXX, we were presented in XXXX XXXX with an unexpected balloon payment for our Home Equity Line of Credit ( HELOC ). Although we have been making the monthly payments on the HELOC, paying off the balloon payment would be a severe hardship. All we want, really, is the opportunity to continue making monthly payments. However, to date Citi 's employees have not found a way for us to do so. 

In XXXX, we got a HELOC with XXXX. It was set to have a balloon payment due after 15 years. That 's not the issue. The issue is what happened over the following 15 years. 
In XXXX, Citi bought the HELOC from XXXX, as well as our first mortgage from XXXX XXXX. In XXXX, we refinanced the first mortgage, with the understanding, from the Citi employee working with us ( XXXX XXXX, XXXXXXXXXXXX ) that the HELOC would be " replaced '' during the refinance. We were told that the terms of the " replaced '' HELOC would be 10 years as a credit line, followed by 20 years as a fixed-rate standard loan if any balance remained. 
However, contrary to what we were promised, the HELOC was not replaced in XXXX. Instead, it continued under the original XXXX terms. In XXXX, we refinanced our mortgage again. Again, we were told to " not worry about '' the HELOC. Again, it was left unchanged and remained under the initial XXXX terms. 
Someone at Citi failed to adjust ( " replace '' ) the HELOC under Citibank terms in both XXXX and XXXX. We would appreciate it if someone would investigate how it is possible ( allowable ) that our HELOC remained unchanged, and under XXXX terms, through XXXX Citibank refinance processes. 
In XXXX XXXX, we were told that we are in default on an unexpected balloon payment of {$68000.00}. This would be challenging to pay off under any circumstances, but, coincidentally, we are both currently unemployed. 
This interaction has become a comedy of errors and aggravation. We have dealt with at least a dozen Citi employees, none of whom appear to communicate with each other. Citi 's incoming telephone systems seem to be specifically designed to waste the customer 's time. 
Since XXXX XXXX, we have been attempting to work with the Recovery Department. We tried dealing with the " Executive Response '' team for a while, but were told that there was " nothing they could do '' and that they were the " top level of escalation ''. ( We sincerely hope that this is not the case! ) We could withdraw {$68000.00} from a retirement account ( with some tax penalties ), pay off the balloon payment, and move on. However, given that one or more Citibank employees is responsible for this problem occurring in the first place, we are still hoping that Citi can provide us with a better solution.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXX {$320.00} Date Opened : XX/XX/year>
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. 
The name of the original creditor to whom the debt was owed. 
A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. 
Proof of your authorization to collect on behalf of the original creditor. 
A breakdown of any additional fees or interest that have been added to the debt since its origination. 
Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. 

I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period, as required by law. 

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

equifax has been reporting inaccurate personal information on my consumer credit profile for sometime now and all efforts by myself to get this wrong and inaccurate information completely deleted from the information housed by Equifax under my consumer credit profile has proved futile. i demand this inaccurate address information ( XX/XX/2021 CURRENT XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) be deleted immediately but Equifax for some weird reason is adamant on violating my rights guaranteed under the FCRA guidelines passed by the united states house of representatives. Their flagrant violation of the law and blatant refusal to comply with the guidelines set forth under the fair credit reporting act has exposed and made me vulnerable to all forms of fraudulent activities which i have grossly suffered for. i demand that Equifax cease and desist from its continuous and perpetual violation of my guaranteed rights which daily compromises by identity and Delete ( XX/XX/2021 CURRENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) from my credit profile immediately. This information has been disputed, invalidated and deleted by both XXXX AND XXXX. Equifax is yet to live up to the same credibility. i have attached evidence of a screenshot with a highlighted portion of the information in question.
Product: Checking or savings account

I put a mobile order in for XXXX. The charge was for {$11.00}. When I arrived I was told the systems were down and they cant make the order. I was told to get a refund through the app but all they offered me was a coupon. Im not interested in a coupon I just want my money refunded. I contacted Payfare to dispute the transaction but they tell me to contact the store and they cant help me. Ive contacted both Payfare and XXXX regarding my refund and neither are willing to help
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Checking or savings account

So much of my time has been spent on this issue. I have all the correspondence needed that if looked at in chronological order would be sent as evidence with no disputes. 

This was my message to Wellsfargo customer service and then forwarded to the board of directors listed email. 

Please someone help if you can! 

Almost XXXX months of being the liaison between XXXX and Wellsfargo. XXXX years of being a customer. Not a customer with a lot of money or a financial portfolio that would add to your institution but nevertheless a customer. 

How in the world $ XXXX dollars with multiple pieces of hard copy evidence where I was scammed through an electronic payment via wellsfargo debit card but can not get resolution is hard to understand. Im still negative in my checking account since the provisional credit was taken away. I still have all the documentation including the one where XXXX stated the case was won in my favor and credited back per my financial institution and a lot of other hard copy facts to hand in to whoever will be looking into this case. 

The damages of a bad checking account balance are endless. My livelihood, employment background and availability to have standing with another financial institution is being affected. 

Im in XXXX XXXX, XXXX willing will graduate this year, work XXXX jobs and plan to have a very stable financial future ASAP. 

The most sad part about this whole situation is that the amount in question that I was scammed out of was for a deposit on a rental to quietly and safely move to for protection from an abusive living environment. 

I will be reaching out just like I have been to solve this matter. I cant possibly be the only XXXX in the world dealing with an issue like this. I could have easily given the home owner/scammer cash if I wanted to flush money down the toilet but I didnt, I used a debit card linked to a XXXX for safety and a paper trail for validity.
Product: Debt collection

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. These inaccuracies are not just a source of embarrassment ; they are actively sabotaging my efforts to secure the credit I rightfully deserve. We are both well aware of the laws mandating accurate credit reporting, and it is abundantly clear that the inclusion of such false information is either an oversight on your part or a gross mistake by the reporting creditor. XXXX XXXX. The company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit reportXXXX PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.
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 acts 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

I asked this company to update my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I learned Equifax had not deleted an account ( XXXX XXXX XXXX ) that I received notification from the the creditor and the OFR would be deleted. The letter was sent to all three bureaus on XX/XX/2018. I filed a dispute for the umpteenth time with Equifax since they " obviousy '' didn't receive the request. I received a response to dispute today that the account has been verified as accurate by XXXX but they modified status date and balance date. Equifax is playing games and I want it to stop! It is OUTRAGEOUS that after the creditor would respond to the Attorney General and myself that they have sent requests to delete that Equifax is the ONLY bureau that did NOT receive it AND verified the account as accurate FOUR months after the fact. I want this company STOPPED! They do not investigate anything. They barely review your request. I am being fiscally harmed by their inept ability to handle business accordingly.
Product: Debt collection

On XX/XX/22 I submitted a CFPB complaint # XXXX to Penn Credit Corporation to stop communicating with me on all mediums included but not limited to all consumer reporting agencies. Shortly after Penn Credit Corporation responded by stating " We also updated XXXX XXXX file to cease and desist further communication regarding the matter, pursuant to her request. Penn Credit Corporation wants to help bring resolution to this matter. '' As of XX/XX/22, Penn Credit Corporation has continued to communicate via my consumer report. The term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by Penn Credit Corporation will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ). Penn Credit Corporation has been able to continue to abuse me as a consumer with unfair debt collection practices over an alleged debt. They have continued to violate 15 USC 1692c ( c ). Under 15 USC 1692c ( c ) congress mentions invoking a specified remedy due to the injuries that I have incurred due to Penn Credit Corporation not following my instructions and lying and saying that they have honored my wishes, it is still showing up on my consumer report, please see attached consumer report generated on XX/XX/22. Penn Credit Corporation has violated me by communicating with me without my consent after telling them to stop the illegal activities and they have not stopped
Product: Debt collection

I went with company spent alot of money and only one of my debts were cleared, i gave XXXX a month for over a year. I talked a gentleman he said is there any money that they keep on hand, so i called and nothing was done, so i still have alot of debt and thought most of it was handled with freedom debt relief, not sure what has happened but i know i spent a bunch of money, i dont want to get anyone in trouble I just want my credit score back and money what is owed to me thankyou XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the rair Credit Kedoning act. Ine List of accounis below nas violated. my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. XXXX for {$490.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX reported inaccurate late payment