23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I applied online at annual credit report for my free report for all XXXX agencies. I was denied and later XXXX and XXXX sent me a letter in the mail. XXXX provided me with a reference number to enter on their site and I was able to view and print the report. XXXX provided a form to fill out and mail off to along with proof of residency verification. Equifax has n't sent me a letter and it 's almost been a month now. I 've contact customer service and they tried to charge me a fee, which I repeatedly told them no. They told me to go online to Annual or call them and I told them that I already did. The rep help me reset my username and password on their site, and once I was able to login successfully, there was n't a report to available for view.
Product: Credit card or prepaid card

On XXXX XX/XX/2021 there were 5 XXXX charges applied to my Bank of America Prefered Credit Card, all on the same day in the amounts of US {$1.00}, {$41.00}, {$42.00}, {$42.00}, {$43.00}. When I noticed this charges on my online statement I notified BoA on XXXX XX/XX/2021 that they were fraudulent. 
Bank of America confirmed that 3 of these transactions were fraudulent and issued me a letter on XX/XX/XXXX stating that the vendor had confirmed 'delivery to my address ' and denied the claim for charges of US {$43.00} and US {$41.00}. I requested details of the charges, shipping and account ID from BoA 's fraud team and further review ; with the fraud team member conceding that it was strange that 3 of the 5 charges had been confirmed as fraudulent. 
I have now received an additional letter dated XXXX XX/XX/2021 which reconfirms BoA 's position that the US {$84.00} are legitimate charges and that they were reporting the dispute to the credit bureau. 
I have again called BoA 's fraud team to request the full proof of purchase and to also confirm the length of time the applicable XXXX  account had been registered to the address that the orders were shipped to. 
I have indicated to BoA that none of these purchases are mine and I've sought any information they may be able to provide to support their position that they believe the charges are legitimate.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX  emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as XXXX XXXX. 

Reference : 15 USC 1681a ( 2 )  ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like XXXX XXXX. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering XXXXXXXX XXXX, XXXX, and Equifax to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, XXXX, Equifax, and XXXX XXXX  can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.
Product: Debt collection

Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. 

XXXXXXXX XXXX XXXXXXXX, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. 

On the immediate top, left-hand side, the first thing I read was their address : XXXX XXXX XXXX XXXX XXXX. 
ATTORNEYS AT LAW XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. 

However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. 
Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. 
( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does XXXX include " XXXXXXXX XXXX XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. 
Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXXXXXX XXXX  XXXX '' in the address ) on the front page? 

I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. 

Can your office please look into this? I see it as a stumbling block for many consumers. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$36000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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: Mortgage

I have a 6 month Libor rate ...

The reset indicates that the rate is based on the first business date preceding the month of change ....

SPS used the XXXX XXXX  of XXXX ... My contention is they should have used the XXXX  of XXXX..

With that said I don't want to allow them to change my contract so that in the future they might be able to assert I accepted the change when SPS may have bigger financial incentive to do so.

Thank you for your time.

Regards, XX/XX/XXXX
Product: Student loan

I have XXXX student loans with Chase. The monthly payment was around {$500.00}. I made a lump sum payment on XXXX of the loans. I did not request that my monthly deduction/payment be reduced. Chase automatically reduced my monthly deduction/payment from my checking account without my consent and I ( and may be others ) are now having to bear a higher interest cost as a result. The servicer will not increase my amount back up without submitting a signed request. Seems unfair that the reduction in paying towards principal happens automatically but restoring it back to the higher amount so that more is paid against the principal is harder.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request immediate investigation and resolution regarding inaccuracies and fraudulent accounts on my credit report. Despite repeated efforts to resolve these issues through direct communication with the credit bureaus and creditors, the matter remains unresolved. The delays, now exceeding 65 days, are unreasonable and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Complaint Details Fraudulent Accounts The following accounts are fraudulent and must be deleted immediately : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX Inaccurate Reporting of Late Payments Several accounts incorrectly report late payments on XXXX while other bureaus reflect accurate information ( no late payments ). The inaccuracies are as follows : XXXX XXXX XXXX  : XXXX ( Never late ) XXXX XXXX : XXXX ( Never late ) XXXX XXXX XXXX  : XXXX ( Paid in full, never late ) XXXX XXXX : XXXX ( Never late ) These discrepancies violate the FCRA provisions regarding accurate reporting of consumer information, causing significant harm to my creditworthiness and hindering my ability to pursue housing and financial opportunities.

Request for Immediate Action Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : I request that the fraudulent accounts identified above be blocked and deleted within 4 business days, as required by law, following the submission of appropriate documentation.

The credit bureaus must comply by notifying the furnishers of the information that an identity theft report has been filed, a block has been requested, and the effective dates of the block.

Attached Documentation To support this complaint, I have included the following : Affidavit Proof of Identity ( ID ) Social Security Number ( SSN ) Supporting Bills Conclusion I urge the CFPB to expedite this process and ensure compliance with FCRA regulations by both the credit bureaus and creditors. The errors on my credit report are unjust and have caused undue harm. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective action to address my concerns.
Product: Checking or savings account

i asked why im not able to open a account and they wont tell me the reason why
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which vote the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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: Mortgage

I have filed a complaint with CFPB (  XXXX  ) an d Shellpointe ha s responded to you and I have seen the response. I have attempted to contact them but they will not respond to my calls. I would like to know the status of my refund.
Product: Mortgage

I have a XXXX ARM with Chase, beginning inXXXXThe first adjustment was made XXXX, XXXX  My rate went from 3.62 to 8 %. My understanding is the rate can only go up no more than 2 % annually. Chase says the initial adjustment can be up to XXXX points. That is not documented. My payment went up nearly {$600.00} per month.
Product: Credit card

This is a second attempt to request for an opt out of this account from reporting under Consumer Privacy Act and Gramm Leach Bliley Act.

I am requesting an opt out of this account from reporting to any non-affiliated third parties ( including any credit reporting agencies ) under The Gramm Leach Bliley Act and The Privacy Act of 1974. Please provide me with a reasonable opt-out form that can be submitted electronically under Regulation P - Privacy of Consumer Financial Information ; 12 CFR Part 1016 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion have listed professional finance in first point as a collection online reports with them. This information should be removed by now as I have mailed certified letters to the corresponding companies. There are zero collections on my XXXX report therefore there should be zero collections for TransUnion days and XXXX. 

XXXX certified mail numbers XXXX XXXX arrived around XX/XX/2022.
Product: Debt collection

While trying to secure housing, there was a direct negative impact these inaccuracies had on my rental application. I had damages on my credit report because my personal information was exposed in the XXXX data breach.
Product: Credit reporting

I hired XXXX XXXX XXXX in XXXX XXXX to assist me with removing items from my credit report due to age or incorrect information. This account was removed in XXXX XXXX and has now re-appeared on my credit report as an open account and showing the account was opened on XXXX/XXXX/XXXX which is incorrect and reported XXXX XXXX XXXX. I 've disputed this item several times. I believe they are trying to re-start the debt.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : 1STPROGRESS/XXXX  XXXX
Product: Credit card or prepaid card

I paid down my account and was in a good credit standing, then they added over 2600.00 in interest which put me at a negative credit rating and increased my payment. I asked to be removed and was unaware of such a policy. The company gave me 2 weeks to pay the balance which I was unable so now I am trying to pay down again, but it has negatively affected my credit. WElls fargo does this type of accounts with hemisphere and I will not be shopping with them anymore due to this practice of low interest and deceptive practice.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX has ruined our credit by reporting a 30 day late on our credit history, I contacted one of their representatives through email and requested for her to process the XXXX payment in XXXX and XXXX payment in XXXX, 1 day prior to the deadline, each month for both payments, the representative did not process the payments in a timely manner, I disputed the information but they did fix the issue, I am submitting proof of the email and hope this is issue gets resolved. 

Thank you,
Product: Checking or savings account

I tried submitting a check electronically for deposit. I started on XX/XX/XXXX but their website was glitchy & I wasn't able to submit check until next day. The bank, Ally, showed me the images I had submitted, but they were cut off so that critically important info like amount or bank routing & account # s were cut off. 
I tried calling Customer Service -- they took forever even though I was trying to fix errors THEY caused -- called multiple times, sometimes I got perpetual hold & had to hang up. 
The last time I talked to a CS rep I asked if I could submit check a XXXX time so that between the 2 submissions they had all the info like amt & check bank routing & acct # s. She said it would *not* cause a problem because once they saw that it was duplicate submissions they would simply delete one of the entries.

But instead my account was flagged & effectively SHUT DOWN, even though at EVERY stage it was Ally 's fault! Yet I am the one being made to pay by being treated like a criminal, aggravating me, and royally wasting my time by making me jump thu their hoops over & over & over! 

PS : since I am locked out of my own account, I can't even provide CFPB with accurate account #. One I provided might be an old Ally checking acct or the current savings acct.

Ally is an organization run by incompetent XXXX who make their customers pay in aggravation for Ally 's blunders! And the blunders just keep stacking one on top of another and customers have to wait on perpetual hold in order to be mistreated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Sent information disputing validity of debt to XXXX, XXXX and XXXX. All debts still remain on my credit report. It has been well over 30 days, and company has not responded to my communication requesting validity per my rights under the fair debt collection practices act. With this violation being apparent, Finance Systems of Toledo needs to remove this debt from all three of my reports with all three of the credit reporting agencies, and cease contact with me immediately.
Product: Mortgage

My residential mortgage loan number with Flagstar Bank is XXXX. Flagstar requires that I pay them every month and a portion of my monthly payments are placed in escrow to pay property taxes and homeowners insurance. In XX/XX/2019, I changed homeowners insurance carriers. In XX/XX/2019, I contacted Flagstar and instructed them specifically not to pay the renewal of the XXXX XXXX policy and instead to pay the new carrier XXXX XXXX. They acknowledged receipt of my instruction and assured me they would not pay XXXX, and that I had given them more than sufficient notice for them to comply with my instructions. Nevertheless, Flagstar disbursed from my escrow account contrary to my explicit and clear instructions and paid both XXXX and XXXX XXXX, causing a huge shortage in my escrow account. Then Flagstar refused to assist me in getting the money back that they had improperly disbursed and instead placed the burden on me to get the money back from XXXX that Flagstar had improperly disbursed in breach of their fiduciary duty to me. I have since contacted Flagstar several times to find out how and why they disbursed contrary to my escrow instructions, to get some kind of assurance that they will implement corrective procedures and processes in order to avoid doing the same thing in the future to me or any other borrower whose loans they are servicing. My communications with Flagstar have been met with callous indifference and a belligerent attitude that they are above reproach and how dare I complain about the financial and emotional distress they inflicted upon me when they disbursed from my escrow account in violation of my explicit and clear instructions in breach of their fiduciary duties. My contact at Flagstar was XXXX XXXX in the Arizona office. Her phone is XXXX. Ms. XXXX has done nothing for me but offer unctuous prevarications and lies. Ms. XXXX exemplifies Flagstar 's callous, uncaring, inhuman, dishonest, and corrupt conduct. If I miss a payment that is due by even one day, Flagstar has their collectors harass me for payment, but when they willfully and wantonly breach their fiduciary duties to me, they act like they did nothing wrong and they refuse to be accountable or to take any responsibility for their despicable, dishonest, and careless actions.
Product: Debt collection

A medical debt I owed to XXXX XXXX for {$560.00} was put on a monthly payment arrangement directly with XXXX XXXX* for $ XXXX/month. I paid the debt off in full, early, with the final payment being In XX/XX/XXXX. Payments were as follows : XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$57.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$200.00} Total payments : {$560.00} Receipts for all payments have been attached to this complaint. 

No notice of placement with a collection agency had ever been received by me - not by phone, mail, nor email. The only bills I received were directly from XXXX   XXXX. This is confirmed and evidenced by XXXX XXXX setting up the payment arrangement *with me directly* for $ XXXX/month ( see attached evidence ), the debt being paid directly to XXXX  XXXX per their monthly payment arrangement instructions ( see attached payment receipts ). The payment arrangement I made with them had never been late nor past due, and the debt was paid off in full two months prior to the false reporting by Healthcare Collection Inc. 

As of XX/XX/XXXX the debt had been paid in full. On XX/XX/XXXX a new collection appeared on my credit reports with all three credit reporting agencies from 'Healthcare Collection Inc ' and showed ' {$57.00} past due as of XX/XX/XXXX '. There is no past due amount and there never was a late payment. 

After this item appeared on my credit reports, I lodged a dispute with all of the credit reporting agencies ; XXXX has responded stating 'The information you disputed has been verified as accurate. ' confirming that Healthcare Collection Inc is violating the Fair Credit Reporting Act as the information they are reporting is indeed inaccurate and false.
Product: Debt collection

In XXXX, I disputed a credit card debt for XXXX XXXX XXXX. The credit card account was removed from all 3 major Credit Bureaus. However, a collection account from LVNV Funding LLC surfaced on my 3 credit reports in XXXX. I successfully won another case in XXXX with LVNV for a different account with the same creditor and that collection account was removed. I attached a copy of the ruling. I have disputed this account multiple times with XXXX, XXXX, XXXX, as well as, LVNV and all they provide is a statement, but no proof of the account belonging to me. I am requesting you investigate and have this collection account removed from my Credit reports please. 

Account Number : XXXX Collection opened : XX/XX/XXXX Collector : LVNV FUNDING LLC Original Creditor : XXXX  XXXX XXXX  XXXX. 
{$950.00}
Product: Checking or savings account

Since opening a NFCU, theyve charged me outlandish overdraft fees causing negative balances on my checking and savings accounts.