23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

{$170.00} Caine Weiner {$110.00} Caine Weiner ( Identity theft accounts ) I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX  breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company. 

This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly. 

If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.
Product: Credit reporting or other personal consumer reports

I previously sent a formal dispute letter regarding an inaccurate late payment reported on my credit file. I have yet to receive a response or any corrective action, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my initial letter, the disputed late payments on my accounts listed below are incorrect, and I have requested verifiable proof of any transaction supporting your claim : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX I am disputing the reporting of a late payment on my XXXX Card account. My records indicate that all payments have been made on time, and I believe this late payment entry is an error. Please investigate and correct this inaccuracy. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Payment Status : Chargeoff I am disputing the charge-off status reported on my XXXX XXXX Services account XXXX I was not properly notified of this action, and I request verification of the accuracy of this reporting. If this information can not be verified, please remove the charge-off from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, XXXX and experian to remove any addresses associated with XXXX XXXX. These companies did not comply with my request.
Product: Mortgage

Company : ServiceMac For XX/XX/XXXX, my mortgage has suddenly increased by {$110.00}. When I called customer service they informed me that it is because my school taxes increased. They did not. 

Then they told me there was an escrow evaluation done in XXXX and they determined that there was an escrow shortage of {$810.00} which I would have to repay in order to get caught up and not face another shortage. They said they sent me a letter in the mail. They did not. I always open mail from ServiceMac. I did not receive an email either. And in fact, when go on their website monthly to check things out and to make a payment, there is NEVER an escrow shortage. 

I got a supervisor on the phone who said he will send me the escrow evaluation to my email so that we can discuss the shortage together. Wherever it says " Escrow Shortage '' the amount is {$0.00}. I told him he is actually making my case for me seeing as there is no, and never was, an escrow shortage. 

He then tells me that my CURRENT escrow account has a shortage for the taxes that will be coming up. I log into my ServiceMac account to find that there is actually a decent surplus in my escrow account. 

He then tells me ( excuse # 3 ) that my taxes must have gone up. While we are on the phone, I log into the XXXX XXXX website and find the taxes paid and projected on my actual house. They increases a teeny bit between XXXX and XXXX. Then he tells me that their escrow projections are based on XXXX taxes. I click on XXXX and my taxes are actually going down next year. 

What this mortgage company is doing is charging bogus fees to hardworking homeowners by tagging on " projected '' escrow fees at the end of the year thinking no one will notice or think to check their taxes. I suspect, that once they do this to a XXXX  XXXX XXXX customers, they'll make interest on the money so they can make their projected budget. 

In my entire adult life, I have never once had an escrow shortage on a mortgage and I have owned a home for 20 years. This practice is shady and they know it. And in fact, they tried to pull this last year by raising my payment more than $ XXXX. They admitted it was an escrow evaluation error. 

Please do something about this. I will be contacting the FTC as well, and any news outlets I can find that will take this story on and bust them for these shady practices.
Product: Checking or savings account

I filed a dispute with my bank sofi in regards to a dispute with XXXX for XXXX $ it was for a unautherised charge that i did not consent to.i opened the dispute and they closed it in less then 24hours they did not even investigate it. 
When i tried to have it reopened they refused to re open it they sai i need new information which i did provide i sent them a police report and they still wont reopen dispute. 
Will attach police report again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX at : XXXX involving case : XXXX is incorrect. The account remains open according to the U.S. Office of Personnel Management.  The account has a {$0.00} balance. The account was closed as satisfied BY ME, THE OWNER, THE ACCOUNT OWNER. Let 's do this again for the third time. The account was open and remains open per OPM on or about XX/XX/2019.
Product: Mortgage

I made payments in the amount of {$8100.00} to be applied towards my principle. Only {$2500.00} of the money I paid to SPS has been applied to my account. I have tried to get this fixed with Sps for over 90 days. The last response they said to me was do what I needed to do because they werent fixing it. Sps has tons of complaints but yet they are still allowed to be in business. I tried to resolve this with ombudsman and still 90 days later where is my {$8100.00} that I paid. This needs to be correctly Immediately but SPS just keeps sending me acknowledgment letters in the mail. Please help I would like my payments made of {$8100.00} to reflect towards my principal. I did send Sps a notice of error to correct the issues, but again my request is ignored. Buyer beware.
Product: Debt collection

Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the Department of Education since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some one took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.
Product: Credit reporting or other personal consumer reports

There are Two collections that are reporting on my account that are not my collections. These COLLECTIONS are also reporting PAST DUE BALANCES. 

XXXX XXXX XXXX XXXX - {$670.00} XXXX  XXXX XXXX XXXX {$390.00} There Are also unauthorized inquiries on my report.
Product: Debt collection

I received an email from the United States Attorney claiming I owe a debt to Ace Cash. They claim that I owe some XXXX dollars and that they will file a criminal charge to IC3. They are offering a settlement of XXXX $ and threatening criminal prosecution in addition to XXXX in fines additional. I dont recall ever having any dealings with them and this is the first communication I have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I owe {$220.00} to XXXX XXXX which was settled back in XXXX for {$520.00}. They are also reporting a late payment for this year starting in XXXX which has significantly dropped my credit score. I have provided the settlement letter and the receipt for which I paid in my documents as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. 1st they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXXXXXX  they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XXXX XXXX XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me two years to get to XXXX and now I'm back at the bottom again
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding their inadequate customer service, failure to address fraudulent activity, and non-compliance with federal consumer protection laws, including the Consumer Financial Protection Act ( CFPB ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

1. Failure to Prevent and Address Fraud Cash App failed to implement sufficient security measures to protect my account from unauthorized transactions, despite industry-standard practices requiring financial institutions to take proactive steps in fraud prevention. When I reported fraudulent activity on my account, the response from Cash App was inadequate and dismissive. This lack of action resulted in financial losses that could have been prevented had they taken reasonable steps to safeguard my funds. 

XXXX. Unfair and Deceptive Dispute Resolution Process In addition to failing to protect my account, Cash Apps dispute resolution process was both unfair and deceptive. The company did not follow proper error resolution procedures under the EFTA and Regulation E, which require financial institutions to investigate disputes within specific time frames, provide provisional credits when applicable, and offer clear explanations regarding claim denials. Instead, I received vague and automated responses that did not adequately address my concerns or provide any reasonable justification for their decisions. 

XXXX. Violations of Consumer Protection Laws The actions of Cash App ( Block, Inc. ) constitute violations of consumer protection laws, including : The Consumer Financial Protection Act, which prohibits unfair, deceptive, or abusive practices in financial services.

The Electronic Fund Transfer Act ( EFTA ) and Regulation E, which set requirements for financial institutions in handling disputes related to unauthorized transactions. 
Cash Apps failure to comply with these regulations has caused me significant inconvenience, financial loss, and undue stress. Their business practices demonstrate a clear lack of commitment to consumer protection, which should be addressed by the CFPB to prevent similar experiences for other users. 

Requested Resolution : I respectfully request the following actions be taken : A full refund of the fraudulent transactions that were improperly handled under Regulation E. 
A thorough review and investigation into Cash Apps dispute resolution process to ensure compliance with federal consumer protection laws. 
Implementation of stronger fraud prevention measures and improved customer service practices to prevent similar issues for other users. 
I am providing all supporting documentation, including transaction records, communications with Cash App, and any relevant case reference numbers for your review. Please let me know if additional information is needed. 

Thank you for your time and prompt attention to this matter. I look forward to your response and a fair resolution.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/25 and XX/XX/25 Company : Action Finance The customer portal of Action Finance that shows the customer 's loan information is very misleading. It lists the current amount due and the total amount due. This leads the customer to believe the total amount due is the full balance of the loan which is a reasonable assumption. However, it does not reflect in any way the balance due of the loan. So, the customer makes the total amount due payment thinking that the loan is paid in full. This allows them to charge and collect more in late fees and interest. Other financial companies List the total balance of the loan, the current amount due, and the amount past due which is a reasonable way to inform the customer of their loan information. I believe the Action Finance portal is deliberately set up to mislead.

I've attached a pdf file showing my payment to Action Finance. I've also attached a screen shot of the only information Action Finance gives regarding my loan. It shows the total of the loan to be {$300.00} and the current amount due as {$140.00}. I paid the {$300.00} and called their office. They said my original loan was {$850.00}. I've made XXXX payments of {$140.00} and XXXX payment of {$300.00} and still owe {$700.00}. This is nowhere reflected on my online account. 

They also put false information in the file notes. Example : My physical file at their office shows that I spoke with a person in their office and said I would bring by a small payment that XXXX. However, I haven't spoke with anyone in their office in XXXX weeks. This causes the personnel in the office to get more aggressive because it looks like I lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid off my entire balance with Green Sky. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with XXXX  and uploaded bank statements showing the account was paid, Green Sky statements showing a XXXX  balance and a letter from Green Sky stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating Green Sky is confirming the balance of XXXX as valid and past due. I have spoken with Green Sky every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to XXXX  5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. XXXX  has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wellsfargo promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX   says they can not help me at all because my credit history says NEGATIVELY that my account with Wellsfargo is in forbearance.

So effectively Wellsfargo lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in XXXX used her XXXX income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but  with this WellsFargo short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.
Product: Money transfer, virtual currency, or money service

I am currently in XXXX due to a family health emergency and will not be able to return to the US before XXXX more months. 
On XX/XX/XXXX, while traveling in Puerto Rico, I made a transaction to purchase ferry tickets to a nearby island. It has come to my attention that my personal information was compromised at the ferry port, leading to an unauthorized wire transfer of {$55000.00} from my savings account to an account at XXXX XXXX XXXX. This has been a shocking discovery, especially since I had not been contacted by Chase regarding such a significant transaction. 

This incident came to light after speaking with a fellow traveler from XXXX, Illinois, who experienced a similar fraudulent activity in XXXX, resulting in the theft of {$69000.00} from their account. 

Due to my focus on an urgent family issue, I failed to notice the transaction in time. Upon discovering the discrepancy, I visited the bank immediately and was advised to report the incident via this communication. 

I submitted affidavit and proof of my travel but they denied refunding the amount saying that I had to report the incident within XXXX XX/XX/2024 but as I was traveling abroad and going through family issues I failed to report within time and I reported the incident a month late on XXXX XXXX. 
I am a post XXXX researcher at XXXX XXXX XXXX XXXX and I saved all those struggling while doing my PhD and paying off my students loan. And now I do not have anything in my bank account as all my savings have been stolen from me.
Product: Vehicle loan or lease

Since I been with Ally Financial I have tried to lower the payments and the late fees are over $ XXXX {$200.00} dollars. Recently I lost a job but borrowed money to pay 3 months payment. They said that once I got caught up I was eligible to put 2 payments at the end of the loan term. I called after making the 3 month payment and they said I was not eligible to put 2 payments at the end of term. Ask to speak with a manager who said the same thing. There is no help from these cruel people who lie about helping people keep their car in difficult times. No help with reduced payments as well. I have never had any financial organization that treats the consumers this way.
Product: Checking or savings account

I submitted a check that I received from a vehicle for a sale of a vehicle XX/XX/XXXX. I went to check on the status of this about a week and half later and they said that this just normally takes longer because of processing. My check cleared XX/XX/XXXX and they closed my account XX/XX/XXXX, without any permission and prior notices. I realize my account is completely closed on XX/XX/XXXX and attempt to reinstate my account. They restricted and closed my account just because they could not verify the issuance with the dealership! Once I showed them how to contact the dealership they verified it, apologized and said they could not reopen my account. I am in good standing and have over 5 accounts with chase so the fact that this happened is baffling.
Product: Debt collection

I received a phone call at work from a XXXX XXXX saying that she was a paralegal and that said that she just had a proposal for garnishment of wages dropped on her desk and legal action needing to be taken for an old medical debt from XXXX of 2015. She said that she wanted to give me a chance to settle the debt of {$1600.00} that was originally the remainder owed that was already settled and paid. She said that they could settle for {$1000.00} if by the end of the day without further legal action or by morning a lawsuit would happen. I was distraught and in tears the way that I was treated so much that my boss took over the phone conversation and offered to pay it. I immediately talked to my husband that confirmed the bill was settled in XXXX of 2015 and had a confirmation letter stating that is was settled in full. Company lies on the phone and when you fax them the cease and desist letter and prove the debt was settled years ago, you keep getting phone calls and threats to take your driver 's license and take you to court at home, to other family members and your workplace. They say illegal phrases and tell other persons private information in your family phone group. No proof of what is owed or what they say and is over 4 years ago! They have XXXX phone numbers that they mainly use XXXX and XXXX. Here is a copy of a message transcribed from answering service to text. This is what our daughter received on her phone and it is identical to the one received on the house phone : " XXXX Depositing new message. Hello this message is solely intended for XXXX. ______, I'm calling in regards to a request of a petition to be filed against you in regards to your involvement in investigation of theft and services. Either you or your attorney must contact your filing party today at XXXX XXXX at XXXX. Failure to comply will result in the issuance of a guilty plea on your behalf as well as the suspension of your state drivers license. You have been notified. Good dat and good well ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a dispute through TransUnion for an item in collection through XXXX XXXX XXXX That debt, assigned XX/XX/XXXX for {$200.00}, is inaccurate. It was paid via XXXX XXXX ending XXXX in the amount of {$130.00} on XX/XX/XXXX. I sent the credit card statement showing that charge, which originated from a XXXX visit on the aforementioned date. Numerous attempts to contact that collection agency via phone and traditional mail have proved unsuccessful, which is precisely why I dispute the transaction. 

Since XX/XX/XXXX, I have received no updates or follow up from TransUnion regarding my dispute. Their " Online Status Checker '' simply states " n/a '' for estimated completion date and status updated. Obviously more than 30 days have elapsed.