23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Student loan

Inadequate loan payment due date notification. The notice was sent out on XX/XX/2023, for a loan payment expected by XX/XX/2023. The only notice received was the following : In XXXX, I received information about my PSLF certification, and then the bill information on XX/XX/2023. 

I emailed them and tried calling on XX/XX/2023, but was unable to get a hold of them due to a high call volume. I just received a notice today that they are still waiting to answer my request. This is unacceptable. They should be as responsive as they expect you to make your payment.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I first discovered this from a statement from XXXX XXXX / Synchrony Bank dated XX/XX/XXXX for a charge from Belk Reward Card for $ XXXX.I I have never received any form of a bill or statement before this. Then I found out thru my XXXX credit report that the charge was reported as a negative on my credit report. Furthermore XXXX said the original charge was not reflected on my credit report until XX/XX/XXXX for {$74.00}. They said it was charged though back in XX/XX/XXXX. The late charges were being added thru the years to this account when I never once received a notice or bill until XX/XX/XXXX. 
Then to clear my account I made the mistake of paying this in full without my knowledge of these late charges or even who actually charged the original {$74.00}. Synchrony Bank told me if I paid in full it would be removed in 30 to 45 days from my credit report.I paid with a XXXX XXXX debit card in full the {$330.00} XXXX. I am disputing who made the charge and why I never ever received a statement until XX/XX/XXXX.I was then told by them it would be 7 to ten years before it would be removed. I pride myself on my almost perfect credit score and feel this is definitely some type of fraud that I would like to dispute.Please help me with this process Thank you, XXXX
Product: Debt collection

I had a XXXX XXXX account that went into collections with Radius Global Solutions. I entered into a settlement agreement with Radius Global Solutions and made 1st payment fine with no problem received a confirmation letter in mail for payment. Radius sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want XXXX ( XXXX ) made aware of this and this company.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that I am a victim of identity theft, and as such, I have submitted detailed information to the Federal Trade Commission ( FTC ) outlining the unauthorized accounts and inquiries associated with my name. I am writing to request the assistance of the Consumer Financial Protection Bureau in rectifying this situation. 

The unauthorized accounts on my credit report do not reflect my financial activities, and I firmly believe that I should not be held responsible for them. I have diligently followed the prescribed procedures for reporting identity theft to the FTC, providing all necessary documentation and information. In light of this, I kindly request that the Consumer Financial Protection Bureau ensures the prompt removal of these unauthorized accounts and inquiries from my credit report. 

I have attached a copy of the documentation I submitted to the FTC for your reference, including the Identity Theft Report and any supporting evidence. I trust that, with your intervention, we can rectify this situation promptly, protecting my rights and preventing any unwarranted damage to my creditworthiness. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if additional information is required or if there are any further steps I need to take. 

Thank you for your assistance in addressing this identity theft issue.
Product: Credit card

I have a secured credit card through First Progress. I deposited {$400.00} with them so I have a credit limit of {$400.00} with a balance of {$340.00}. That means I had available balance of {$55.00}. I sent XXXX check on XXXX/XXXX/16 in the amount of {$50.00} then proceed to send a XXXX check in the amount of {$400.00} on XXXX/XXXX/16 to over pay my credit card. First Progress received the money for the XXXX check and took the money out of my account and posted it. That means I should have a negative balance of about - {$100.00}. They then proceed to tell me that I have an available balance of {$0.00}. They told me I have to wait 10 days to use my card again because I over paid it. My money is being held hostage and they take my money but will not allow me to use it. They are holding my funds while being in good standing and paying my credit balance before the due date while always paying more than the minimum every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This continuing mortgage issue with XXXX has been a nightmare that has harmed me financially. I have had an FHA loan with XXXX XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. I have never had a late payment on it. I requested in XX/XX/XXXX a loan forbearance through the CARES ACT due to financial difficulties with Covid-19. I am XXXX as is my spouse. In XX/XX/XXXX my spouse suddenly went XXXX after we both had Covid-19 a few months prior and decided to end our forbearance quickly due to our need to possibly try and sell our existing home because having steep stairs became a hazard, and to also give us some time to get back into making house payments again. We were told you must make at least 3 payments to either refinance or purchase another home. I also was desperate to bring my currently reported mortgage balance down to where it should be ( about $ XXXX ) rather than the now over $ XXXX reported balance. Despite being told that my credit would not be harmed during forbearance, XXXX spent over a year adding interest and late fee 's to the balance being reported. That alone caused my credit score to drop over 100 points as balances are supposed to decrease not increase. I asked for assistance throughout XXXX from CFPB and XXXX but XXXX refused and CFPB did nothing to stop them. XXXX knew that what they were doing was purposely harming my credit. I exited my forbearance in XX/XX/XXXX and made a mortgage payment immediately but was not applied to my mortgage. I was given no options by XXXX other than a stand alone claim which was approved but no other options or modification to my mortgage was offered or discussed. I had to log into my online account and print all my documents then I was responsible for providing notorized copies to XXXX and mail them. To date I received nothing pertaining to this stand alone claim was told nothing about the program. rather I waited patiently for my credit scores to rebound once my mortgage balance was brought down to where it should be if no forbearance due to this pandemic disaster had occured. And my scores did rebound only to drop AGAIN in XXXX when XXXX reported my mortgage balance as being OVER $ XXXX AGAIN! I was shocked and angry and confused and contacted XXXX many times only to be told that the " system '' didn't know how to process this $ XXXX payment thus kicked it out again and reported my mortgage balance as increasing $ XXXX causing my scores to plummet once again. XXXX admitted it was their error but has done NOTHING to correct this false information with the credit bureaus telling me that I have to call each one, they will not. I have been victimized yet again and additionally my payment went up ( {$280.00} to {$300.00} ) DESPITE my first payment being applied to my escrow account to insure this DID NOT happen. NOTE : XXXX no longer originates FHA loans. If my scores were not harmed by them I would seek out a cash out XXXX VA loan so that I could find a single story home while renting my existing home out while awaiting its sale. But qualifying might be an issue with my credit scores again.
Product: Checking or savings account

On Saturday, XX/XX/XXXX I went to the XXXX XXXX Wells Fargo branch to deposit {$2000.00} in cash. The line was out the door so I used the in-branch ATM. I ended making about XXXX deposits since the ATM only takes bundles of XXXX. By the time I was on deposit number XXXX, the branch manager closed the branch door since it was XXXX and they closed at XXXX on XXXX. I took out an envelope that had {$250.00} inside to deposit last. By the time I finished the last deposit of {$2000.00}, I forgot about the {$250.00} and left the branch. The manager had to open the door for me because the branch was closed. Once I got home, I ran the books for the deposit and noticed that I was missing the {$250.00} and realized that I left it at the branch. I called customer service for Wells and was told to call back on Monday to speak with the manager or to go in-person on Monday since the branch was closed. On Monday, XX/XX/XXXX, at XXXX I called the customer service line and was told that managers don't answer the phone before the branch opens. They called twice and no one answered. I waited until XXXX and was the first person in the branch. I went to the teller line and asked to speak with the same manager that was there on Saturday. I let him know the situation and he asked his employees if anyone had turned in the {$250.00}. I asked if he could look at the cameras, since the branch was closed, whoever took the money was already inside the branch. They also would have went up to the teller line, so it would not be difficult to pull up their account and retrieve the {$250.00}. The manager told me that managers do not have access to the cameras. I worked at XXXX XXXX  as a teller and know for a fact that managers do have access to cameras. I asked him what could be done and he said that he would see what he could do. I gave him my business card with the assumption that something would be done. I also called customer service for Wells Fargo and filed a complaint against the bank to get the issue escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke to XXXX XXXX. XXXX today and there is NO record of this {$1000.00} loan from 25 YEARS AGO that TransUnion has decided to put on my credit report as of XX/XX/2020!!! THIS IS FRAUD AND I WANT THIS HANDLED NOW
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Product: Mortgage

We refinanced our home with a new lender and the old servicer ( Roundpoint Mortgage ) received the payoff on XX/XX/XXXX. It is XX/XX/XXXX and we have yet to recieve the escrow refund, which 12 CFR Part 1024.34 requires to be returned within 20 business days. 

The first time I called ( XXXX ), they indicated I had to wait until XX/XX/XXXX before stopping payment and requesting a new check, but they would not give me a firm date on when the check got put in the mail. 

The documentation from my account indicates that they processed the refund on XX/XX/XXXX and when I spoke to a customer service representative today, they claim to have mailed the check no later than XX/XX/XXXX. With that information, the took my request to stop payment on the current check and issue a new one ( which is inconsistent with what I heard on my first phone call ). 

They claim to have followed the guidelines, but the song-and-dance seems disingenuous. They've made statements that their check processor is taking longer than normal but would not provide details. They also stated that once written, they take upto a week to get the check in the mail and are pointing to USPS as a potential cause to the problem, but they don't offer any tracking of the check. 5-10 business days is a reasonable waiting period to allow for them to write, mail, and get the check delivered. A month is not. They are well beyond the required 20 days, even allowing for some rational processing and mailing times.
Product: Mortgage

This is an official complaint against State Bridge Company for threatening me with foreclosure action without providing me with requests for full disclosure, validation of debt and opportunity to be considered for a loan modification or a principal reduction.. State Bridge Company has failed to answer my specific questions pertaining to the mortgage transaction. In addition, State Bridge and home Inspection Company has interfered with my contractors by unlawful entry and missing construction equipment. 

Rather than truly discussing options, especially a principal reduction that would be conducive to my current income and financial circumstances, this servicer appears to be only and solely interested in foreclosing against my property on XX/XX/2016, Rather than allowing me to retain the mitigation services of XXXX XXXX XXXX, State Bride Company chooses foreclosure as an ultimate remedy ... 

Even with the recent assignment from XXXX XXXX XXXX, XXXX to a State Bridge Company, there has been no effective follow-up on any of the issues or specific questions addressed in several attached communications. Moreover, this servicer has failed to disclose a valid Power of Attorney to perfect any foreclosure action on the property. Throughout my correspondence experience with State Bridge Company, this servicer responds in vague, fictitious, misleading and deceptive language. Furthermore, State Bridge Company has failed to direct me to a specific person of contact in order to resolve any mortgage issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against a XXXX account appearing on my credit report with a balance of {$24.00}. I have been disputing this account with XXXX and Experian since XXXX and attempting to contact the creditor without success. Despite several attempts to contact XXXX over the phone to resolve this balance, each representative told me they could not locate any matching account in their system. 

This is causing me an immense amount of stress and confusion. I have sent them letters requesting more information about this debt, including a breakdown of the balance and copy of a contract but never received any reply. Further, I have disputed this with XXXX and Experian who have not conducted a proper investigation or supplied me with any results. 

The only response from XXXX was dated XX/XX/XXXX. It had the customer number field blank and stated that it could not find my XXXX XXXX Credit Account . I don't understand how this can be on my credit report if my information can not be matched to any account with XXXX . Additionally, when I called to follow up on XX/XX/XXXX to the number listed on my credit report XXXX there was no way to get a hold of someone other than an automated message.
Product: Debt collection

RE : NRA LLC and XXXX - At XXXX on XX/XX/XXXX I received a call from an unknown number - Caller stated my name and asked me to verify ( no other information was provided by caller ) - I confirmed my name - Caller then stated last XXXX digits of my social security #. I declined and asked him what this was regarding. He told me he was calling from NRA LLC but refused ( despite my question ) to tell me what NRA LLC was. Caller said he would not tell me if I would not confirm my social security and hung up. 
- I was deeply disturbed by this and I assumed this was an attempt to steal information for identity theft. 
- I called back and the same caller answered. I asked what his company did and he replied, " I just talked to you, '' and hung up again. I called 3 more times and the call was deliberately rejected each time. 
- On the fourth attempt a woman answered who this time took the time to explain this was a {$24.00} debt (! ) that I was not even aware of and actually explained what the call was about.