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

I am writing to request that you ensure that all information on my credit report is accurate and correct, as required by law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you have a legal obligation to maintain accurate and complete information on my credit report.

Specifically, Section 1681e ( b ) of the FCRA states that : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, Section 1681i of the FCRA states that : " If the completeness or accuracy of any item of information contained in a consumer 's file 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 or incomplete and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) of this subsection, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I request that you take immediate action to ensure that all information on my credit report is accurate and correct. Please investigate and verify the accuracy of all information on my credit report, and remove any inaccurate or incomplete information. 

Please provide a corrected credit report to all parties who have received a copy of the report in the past 6 months
Product: Credit reporting or other personal consumer reports

I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. 

As you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. 

Despite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). 

Provide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. 

Correct my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. 

Ensure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. 

This issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. 

Please acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$500.00} USDEPED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}
Product: Checking or savings account

My name is XXXX XXXX and my address is : XXXX XXXX XXXX XXXX XXXX TN XXXX. I have been your client since 2016 and you have never had any problems with me or my bank account. Because of you Truist Bank, my internet and cable TV were disconnected yesterday. Starting tonight, I will not have electricity, water and gas which will be disconnected because I do not have a bank card, because I pay all these bills automatically online. On XXXX2025 I received a text message about suspicious activity on my bank account. I immediately called Truist Bank, where after a few checks my card was canceled. I was told that I would receive a new bank card in 5-10 business days. On XX/XX/XXXX2025 I woke up without internet and cable TV. I called immediately to see why I did not have a bank card. First I tried to talk to your employee on the phone, who I could not understand. I called again and Finally got someone I understand. The person started apologizing I tried to explain to her that SORRY is not a payment method for XXXX and XXXX tv cable and that XXXX and XXXX do not accept sorry for paying my bills. Let me remind you once again that my electricity, water and gas will be turned off starting midnight tonight XXXX2025. Look at those temperatures today and tomorrow in XXXX, TN. I asked to speak to her supervisor. I was transferred to the line with XXXX XXXX ( I don't know if I spelled her name correctly ) She started with the same story about how sorry she was. She said she would send a new card that would arrive at my address in 5-7 business days. I asked her to stop with the same story I heard SORRY ME. I asked her how she could fix my problem today. Then she tried to tell me that maybe my address was wrong and that maybe the post office made a mistake in delivering the mail to my address. I immediately I interrupted her. I told her that in the 28 years I have lived in the USA, XXXX has never made a mistake and that I live in the USA and not in XXXX. Then she told me that she could send it by express mail but that I would have to pay {$30.00} which would be refunded when I activate the card. I asked her if it was normal for me to pay for Truist Bank errors, regardless of why the money was refunded to me. I immediately told her that it would not happen. She wants to take {$30.00} from me because Truist Bank employees do not know how to do their jobs and I have to pay for their ignorance. I am the owner of a small company and when my employee makes a mistake towards my client, I HAVE to correct it within 24 hours. If my employee lies, as your employee lied to me on XXXX25 that I would get a new card in 5-10 business days, if my employee asks my client for money for ignorance and incompetence in the work he was paid for, as your employee He is asking me for {$30.00}. That same employee of mine would be fired immediately. IS IT NORMAL for Truist Bank to ask for money from a client for their own mistake???????.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item shows inconsistent results in the amount owed I am no longer responsible for this debt the vehicle was repossessed and sold at auction It is illegal to continue to collect on an item that is no longer in my possession and was resold to another party CREDIT ACCEPTANCE CORP 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, We have a complaint against Fay Servicing who filed for forclosure against us in XXXX while we requested Forebearance under the Cares Act. 
We would like to provide a summary on our matter as we understand Fay has a consent order which is set to expire on XX/XX/XXXX referencing many of the same violations which they committed against our family. 
My name is XXXX XXXX. We are a family of XXXX. Myself, my wife of XXXX XXXX ( XXXX XXXX ) and XXXX boys. 
I am fighting a XXXX XXXX and would be blessed to survive the next six months. 
In my condition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has made it challenging as I was forced to represent myself pro-se in the matter. 
It has been difficult to get representation on the matter in XXXX  as it seems all the attorneys we have spoken with are bankruptcy specialists and not familiar with wrongful foreclosure defense. 
I am in the process of filing a motion for dismissal based on several of the violations commited by Fay against us. 
We'd like to know if the XX/XX/XXXX is the deadline for submiting all of our documentations and evidence in suport of our case or if there can be an extension to submit our documentation until the end of XX/XX/XXXXXXXX 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Delayed Payment and Unresponsive Service by Bank of Mellon New York Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Bank of Mellon New York regarding a delayed payment that has caused me significant financial and academic distress. 

I am a XXXX student who paid my tuition fees to XXXX University XXXX on XX/XX/year>. The payment was processed through Bank of Mellon New York. However, the bank has refused to release the funds, citing concerns that the payment might be associated with an individual from XXXX, which is under sanctions. The name of the account holder on my transaction, XXXX XXXX, seems to have triggered this concern. 

Despite providing clear documentation, including my XXXX passport, to prove that I am a XXXX citizen and not Iranian, the bank has not processed the payment. As a result, I have missed the XXXX intake at XXXX XXXX and am facing irreparable losses in terms of my academic progress. Furthermore, without the processed payment, I will not be able to apply for the next intake, which is causing me significant emotional and financial stress. 

Here are the key details of the issue : Payment Date : XX/XX/year> Payment Amount : USD XXXX Recipient : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank of Mellon New York My Name : XXXX XXXX My Nationality : XXXX  ( XXXX passport : XXXX ) Despite the banks claims regarding sanctions, I have provided all required documents verifying my identity, including my passport. However, Bank of Mellon has continued to delay and withhold my payment without any further explanation. The lack of communication and assistance has made it impossible for me to resolve this issue directly with the bank. 

As a result, I respectfully request your assistance in resolving this matter. Specifically, I am seeking the following : XXXX release of my payment to XXXX XXXX XXXXXXXX. 
Full transparency from Bank of Mellon regarding the reasons for the delay and an expedited resolution. 
Appropriate compensation for the damages and academic losses I have incurred due to the bank 's failure to process my payment. 
Attached, please find the relevant documents supporting my case : Proof of payment A copy of my XXXX  passport Correspondence with Bank of Mellon I would greatly appreciate your prompt attention to this matter. If you need any additional information or clarification, please do not hesitate to contact me. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX Number : XXXX Address : XXXX, XXXX, XXXX. 
Email Address : XXXX XXXX
Product: Money transfers

Hi, We will file XXXX complaints, this one is to Paypal, and a XXXX one will go to XXXX XXXX. 

A friend of mine just lost her husband on XXXX/XXXX/2016, and then she and her young daughters ( XXXX ) was ready to sell the piano in the house for financial purpose. They put the ad on line and someone ( named XXXX XXXX ) called in and agreed on buying the piano per asked price. The next day, an email in the title of Paypal, with Paypal logo and email address, came to my friend saying a secured payment has been made but will be on hold until payment of {$600.00} to be paid to the transport company thru XXXX XXXX. My friend sent the money by going to the nearest XXXX counter, and then another email in Paypal title came in saying the transaction is moving forward, but will need to pay government tax in the mount of {$520.00}. My friend felt very odd and get in touch with both Paypal and XXXX XXXX by calling in, and was told this must be an online fraudulence, and the money has been taken leaving the customers of these XXXX companies unprotected. They can not do anything but just gave out a case number. In this case, both Paypal and XXXX XXXX have been used by the criminals, and their creditability and reputation are stained. Paypal and XXXX XXXX must do something to patch the holes in their business model to keep their customers from further losses.
Product: Checking or savings account

Navy federal credit Union logged on my account on XX/XX/XXXX and transferred {$1000.00} Dallors to a credit card that I gave them XXXX Dallors to start already. They wont let me file a claim I did not authorize this i did not give them permission to log on my account from a XXXX web browser.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Product: Debt collection

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Student loan

I have been paying on my student loans for over eight years now. I started out with {$30000.00} of debt and still owe {$30000.00}. My payments were applied 100 % towards the interest and none towards the principal. When I figured out that was what Navient was doing I called and spoke with a customer service representative who told me I had to pay off all the interest first before anything would be applied to the principal. I asked why was I given a choice of how I wanted my payment applied when paying online and then applied differently and I was given the same answer. I told the customer service representative that I would never be able to pay my loans off if that was how they did it and I was told that it was Navients policy. I started off with nine student loans and have paid one off in full and still owe the same amount I did when I started paying ... .how is that even possible or fair??
Product: Credit card or prepaid card

2 Bank accounts were opened in fraud using my identity- XXXX XXXX XXXX XXXX 

Citizens Bank Account : Around the beginning of XXXX, XXXX  an account was opened in my name. 
I did call and report this to the company and so they have all the supporting evidence. ( I can not find this in my archives! 
I received a letter XX/XX/202 about taking further action via the FTC. 

_________________________________________ XXXX XXXX Account : On XX/XX/2022 I received an e-mail from XXXX XXXX  that XXXX XXXX  : Checking Account was open : XXXX Savings Account was open : XXXX The accounts were linked.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XX/XX/XXXX my bank account was put on hold/levy due to a Credit card debt which was bought by another consumer whom pursued the situation to collect the debt. Exact amount that was taken {$320.00} and {$75.00} court fe that was filed against me. Before anything else the total amount I owed came out to be {$1100.00}. I called the office who is handling my case and made an agreement payment of XXXX $ every XX/XX/XXXX of the month. I was told from the office by the secretary that money order is the only payment acceptable and to keep track of my payments because I wouldnt be receiving any type of confirmation receipt for every payment Id be making. On XX/XX/XXXX my bank had called me to notify me that my bank account has been unfroze and Im able to use it. That same day i called the office and ask them for the remaining balance of my debt. The secretary explained and answered, {$1100.00} subtract the {$320.00} from my bank which totals by debt balances of {$830.00} on XXXX. I made a total of 4 money orders to this office in regards to the debt I still owed. From the month of XX/XX/XXXX. to XX/XX/XXXX I made XXXX $ on the XXXX each month and mailed the money order to the address they provided me. Which would bring my debt down to XXXX by XX/XX/XXXX .. on XX/XX/XXXX I called the office and asked the secretary about my case and how much i still owe I was told {$530.00}. I went to XXXX POST OFFICE, NJ, purchased the money order with that amount and mailed it to the one address that they provided me with. A month later, I called the office and asked about my case and as to why I havent received any confirmation letter stating that I already paid the debt so I can dispute it in my credit report and get back on track without the derogatory mark that is to this day still on my credit report.the officer who handles my case responded and told me I still owed {$630.00} I was shocked and confuse considering a month ago his secretary has told me that it was XXXX.. I had asked him to please check and look at all the updated document under my case because I have all the documentation of proof of payments for my debt. The next day he emailed me stating that they havent received any Payments since XXXX, then a week later emails me a notice of late payments. If that was the case why i havent received that notice from the XXXX and XXXX payment that he claimed to not receive any payments of. I dont know who else to contact and what else to do in order to get this derogatory mark off my credit report. I did my part and handled it as fast as I could. I thought I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by Credit Plus. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.