23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate costumers 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 the 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 Electronic fund Transfer Act. ( EFTA ) and Regulations E .These actions have caused significant inconvenience and financial loss, and I seek appropriate readiness for there violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out a certified letter and supporting documentation to dispute the chapter XXXX bankruptcy dismissed public record that is reporting on my credit report. This is information wrong and is harming my credit report and my ability to receive financial help for my family and I. I am not in bankruptcy. I have submitted documentation of a court order for this bankruptcy information to be removed from my credit file. 


Covid-19 has stopped my ability to work and provide for my family. I only have my good name and credit to depend on and with this inaccuracy public record information reporting on my Experien credit report only is hindering me from receiving Financial help.
Product: Credit card or prepaid card

I was abused and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA. This have caused my family and I financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( e ). These are the violations that were committed against me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Debt collection

XX/XX/XXXX -Called the Global Credit Union XXXX XXXX XXXX Asked to set up payment arrangement. I was then told that no such account exists. 
Transferred to Collections.They don't know either. 

Good afternoon, XXXX, Thank you for your email. Unfortunately, we are unable to locate an account using the information provided in your email. To ensure security of your account, please contact our XXXX XXXX XXXX at XXXX XXXX for verification and assistance. 



If you have any other questions, please call our XXXX XXXX XXXX at XXXX XXXX and press option XXXX and option XXXX, to speak to a XXXX XXXX Representative. 



Thank you for your cooperation. 

Good afternoon, XXXX, Thank you for your email. Unfortunately, we are unable to locate an account using the information provided in your email. To ensure security of your account, please contact our XXXX XXXX XXXX at XXXX XXXX for verification and assistance. 



If you have any other questions, please call our XXXX XXXX XXXX at XXXX XXXX and press option XXXX and option XXXX, to speak to a XXXX XXXX Representative. 



Thank you for your cooperation. 



Have a great day! 





XXXX XXXX ( XXXX ) Senior Member Service Representative Member Service Center XXXXXXXX XXXX XXXX XXXXXXXX | Fax XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX Thank you for your email. Unfortunately, we are unable to locate an account using the information provided in your email. To ensure security of your account, please contact our XXXX XXXX XXXX at XXXX XXXX for verification and assistance. 



If you have any other questions, please call our XXXX XXXX XXXX at XXXX XXXX and press option XXXX and option XXXX, to speak to a XXXX XXXX Representative. 



Thank you for your cooperation. 



Have a great day! 





XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX | Fax XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX Thank you for taking time to contact XXXX. 
We are in the process of reviewing the matter you contacted us about, and anticipate having a formal response to you within XXXX business hours, ( XXXX, excluding holidays ). 
Thank you for your membership! 

These are the emails sent back. 
No Court Judgement, no paperwork on this NOTHING. 
If found in violation, I demand a full restoration of credit history, along closing this " account '' WITH A FULL REFUND.
Product: Debt collection

Oakridge is the company name. All threats are about legal actio. It 's a male calling someone else and me but wo n't disclose any information he just threatens me. Listed phone number is  (   XXXX   )   XXXX . He never identifies himself. He is extremely rude and says he 's going to do a lien and law suit. Says he will see me in. Putt but had been doing this for a year now and I still do n't have any idea why. It 's ridiculous.
Product: Credit card or prepaid card

In XX/XX/XXXX I retired from the Military and prior to retiring I set up automatic payments from my checking account because I didn't want to forget after being diagnosed XXXX and XXXX from the Military. From XX/XX/XXXX to XX/XX/XXXX there were no payments to Capital One and no one contacted me. I called Capital One in XX/XX/XXXX for a credit line increase, only to discover that they had not received a payment the last 4 months. I quickly made payments to get the account caught up and it has been up to date since. 

I have been with Capital One for about 10 years and have never been late. I contacted Capital One 5 times with goodwill letters and was told they would consider it due to XXXX and XXXX only to be denied. This is really messing up my score due to us trying to purchase a home. If I missed to miss it would be different but I really thought I set up automatic payments. 


I am trying to get the late payments reversed die to the XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The current balance on this loan is {$1900.00}. It needa to be corrected. Additionally they have threatned to send to collections EVEN though i make payments every month. Their rep specifically stated that as long as i pay toward the balance each month of {$20.00} or more it wont be sent to collections. I have been doing this. I have struggled to pay on time since having XXXX XXXXXXXX but im still paying monthly.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters to XXXX  XXXX  company and the companies hasn't responded in the XXXX  days XXXX reached out to the companies and notified them as well with a XXXX follow up letter that they haven't responded in the time allowed and now I'm requesting to have theses items removed from XXXX  XXXX  reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2018 I received an email from my employer stating at letter that was received by their office on XX/XX/2018 claiming it was a second attempt to initiate a garnishment of my wages and if not done would sue the XXXX that I was employed by, after speaking with my HR department no first attempt was received by their office and they were garnishing 15 % of my disposable income each paycheck to avoid being sued, when I contacted XXXX XXXX and the number on the form they first tried to pass it off on someone else and then after 2 hours being transferred to 3 different people all of this while I was at my place of employment there was nothing to be done, except loose 5 payments to come out every other week of 15 % with them  then submitting a signed document which I have still to this day not received have called with no answer to how to have this corrected, I am a single mom that depends completely on my income as well as XXXX children who depend on this income, one of  which is on long term medication and has multiple medical conditions that can cost me a lot of money. I am willing to pay but would like to be discussed and a plan set up not threaten my employer and send a notification like the one they sent that has no balance of owed amount of any alternative to pay, my HR person stated this letter looked very different from others that their office had received for other employees. My concern is when I try to track this said information about my loans and where they are housed to set up arrangements nothing is to be found at the XXXXXXXX XXXX XXXX or NAVIENT! Please I need help in getting this taken care of immediately
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the disputed accounts on my credit report. Despite multiple requests for investigation into the inaccuracies of these accounts, I have yet to receive any resolution or corrective action. These erroneous entries are severely damaging my credit file and significantly impacting my daily life. 

The ongoing issues with these inaccuracies have caused substantial hardship, and I must now request your immediate assistance in resolving this matter. I urge you to conduct a thorough investigation of each disputed account and take prompt action to update and correct my credit report. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial situation. I sincerely ask for your swift attention to this issue and appreciate your cooperation in resolving it as soon as possible. 

Thank you for your understanding and prompt assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 a request for my credit was made by capital one bank. This is an inquiry on my credit report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ Trans Union . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.
Product: Vehicle loan or lease

My name is XXXX XXXX and I purchased a XXXX XXXX from XXXX. The car was a defective car from the beginning. I continued to pay my car payments and also I paid for REPAIRS to the car. The car was under a RECALL/ CUSTOMER SATISFACTION and I was told to bring the car in, this is after I had paid for repairs to be done on the car. I had the first part of my repairs completed and was told to drive the car for 1,000 miles then come back. upon returning to get the other part of the repairs done I was told that I was over the limit of miles! XXXX was refusing to fix the car, foot costs for repairs. The internet was becoming OVERWHELMED with situations dealing with the XXXX XXXX. 
I VOLUNTARILY gave this car back to XXXX because in XXXX there is NO WAY I could continue to drive a car that didn't pick up speed, that would stall in the middle of 6 lane high speed traffic. It was a death trap. I am apart of the class action lawsuit against XXXX and I would like this account to be REMOVED from my credit report. For this car to be causing creditors to second guess my ability or willingness to pay is NOT FAIR! This car was found to be defective. MANY people have filed suits. I would like this account on my credit reports ( ALL THREE BUREAUS ) to be REMOVED! I have paid over {$3000.00} in repairs in which I am pursuing the courts to get reimbursed.
Product: Credit card

Please check the documents that I've sent. There are inaccurate late payment remarks that I want removed and updated to positive.
Product: Payday loan

I borrowed XXXX in 2012, I have already paid back XXXX and I still owe XXXX more payments of XXXX the interest rate is 135 %. My car is broken and I ca n't afford a new one and still make this payment. they take out of my bank every month, I ca n't afford to stop paying and them harass me at work and ruin my credit with negative information. I was told this interest rate is not legal. I need help to learn what my options are?
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX I am writing to formally request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you block fraudulent information appearing on my consumer credit report. This fraudulent information consists of accounts, hard inquiries, and collections that I did not authorize and that are the result of identity theft. 

Specifically, the following accounts are fraudulent and were neither opened nor authorized by me : A personal credit card account opened at XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition to these fraudulent accounts, several hard inquiries and collections have appeared on my consumer credit report, all of which are also the result of identity theft. 

I have attached a list of the fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by you, which reflects the fraudulent accounts, inquiries, and collections. I do not recognize any of these accounts, collections, or hard inquiries, and I affirm that none of these transactions were initiated or authorized by me. 

All of the accounts, collections, and inquiries listed above are the result of identity theft and fraud. For your reference, I have also attached a copy of my FTC Identity Theft Report ( Criminal Complaint # [ private case number ] ), which serves as official proof from the U.S. Federal Trade Commission that these items are fraudulent. 

I request that these fraudulent accounts, inquiries, and collections be blocked from my credit report within 4 business days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent items have been removed from my credit report. 

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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Inquiry XXXX XXXX XXXX
Product: Mortgage

TD Bank received my mortgage payoff on XX/XX/2020. As of XX/XX/2020 - 22 business days later, I have not received a refund of the escrow balance. I attempted to resolve with TD Bank. They initially said a payment was to be sent on XX/XX/2020. Next I was told I would receive funds on XX/XX/2020 ( 20 business days as required by law ). On XX/XX/2020 I was informed " the check is in the mail as of XX/XX/2020 '' and there is no tracking or validation. This appears to exceed my legal rights XXXX " within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. '' They have clearly not returned the funds to me. Stating a check is in the mail is not an excuse.
Product: Credit card

This happened in XXXX or XXXX of XXXX, I had been a Citi Executive Card cardholder for years. In late XXXX  or early XXXX when the pandemic hit I decided to transition from my Executive Card ( that gave access to the XXXX XXXX XXXX XXXX among other card perks with the airline ) to a Rewards Card as at that time I called to inquire if my {$550.00} to {$650.00} annual fee could be mitigated as ALL the XXXX XXXX where closed and I couldn't use that upmost important perk. They offer me the transition to the rewards card which I accepted. Time elapsed, the pandemic was officially through and the XXXX XXXX started opening again. Is then that I call Citi to inquire if I can reopen and migrate my Rewards Card back to my Executive Advantage Card and if I was eligible to receive the XXXXXXXX XXXX XXXX promotion that required an amount to be spent during a specific timeframe. The Supervisor that handled my call then made an exhaustive / thorough check on the history of my account and said that enough time had elapsed for me to be eligible to get the incentive of XXXXXXXX XXXX miles. All of that was recorded and a transcript of that instance and conversation exists as revealed later by the last supervisor handling my situation. I got my card and used it for many purchases to reach the amount required during the specific timeframe in order to be eligible to receive the miles. A number of months transpired and the miles did not hit my account... I recently called back and that's when a supervisor by the name of XXXX was assigned to my case to review it in its entirety. It took XXXX about a week to listen to the recording and transcript of the original conversation to then call me back. At that time and yesterday, XX/XX/XXXX to be precise, he called me to tell me that in fact, I was right, and that the original agent had in fact admitted that I was eligible to receive the miles credit if I transitioned back from the Rewards to the Executive Advantage card, as enough time had elapsed, and that gave me the eligibility. However then he said the other agent was wrong and that he failed and gave me wrong information. This of course benefiting the bank and card as this new card has an annual fee of {$650.00} which the Rewards card don't have. Then XXXX says that providing misleading information isn't a reason to compensate for the XXXX miles at stake. That the only thing Citi would offer is a {$100.00} credit and XXXX miles to settle the dispute. I did not accepted and said will take action with the corresponding governmental body to investigate this case. I believe this practice and event is deceiving myself as a consumer to make a decision that benefits the institution while accepting that they are wrong about such mishandling a deception and offering a minuscular amount as a settlement. I want Consumer Finance to please investigate this event and make Citi install the XXXX miles they owe me for their own admitted mistake and wrongdoing.
Product: Mortgage

I recently refinanced my XXXX XXXXXXXX XXXX XXXX ( loan # XXXX ) with another lender. The closing date was XX/XX/XXXX and the disbursement date was XX/XX/XXXX. Around the time of the refinance transaction, XXXX XXXX transferred servicing rights of this loan to Mr Cooper with the new loan number XXXX. Mr Cooper is now sending me statements for loan # XXXX. The funds ( {$340000.00} ) to close out the loan with XXXX Mortgage were wired to XXXX Mortgage on XX/XX/XXXX and the supporting documentation was previously submitted within a separate complaint ( XXXX ) .Mr Cooper has not allocated these funds to close out loan XXXX. I now am receiving monthly statements from Mr Cooper for a loan that should have been closed out and escrow funds returned to me by Mr Cooper. XXXX XXXX  has supplied the wiring information for the funds paid at closing being transferred to Mr Cooper. I have submitted this information to Mr Cooper and received no response. The wire info from Freedom Mortgage is here : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Re : Your Complaint to the CFPB Complaint XXXX Dear XXXX XXXX, We have reviewed your complaint and researched the issue regarding the payoff wire sent to Freedom Mortgage. After review we have confirmed that we did receive the wire in the amount of {$340000.00} on XX/XX/XXXX. Effective XX/XX/XXXX your loan was service released to Mr. Cooper. Because of this, we wired the funds to Mr. Cooper on XX/XX/XXXX. The wire confirmation for this wire is below for your reference. You can provide this information to your current servicer Mr. Cooper so that they may track the status of the wire for you. XX/XX/XXXX Outgoing Money Transfer Transaction Ref. No. XXXX Fed XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX to Mr. Cooper IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX If you have questions XXXX XXXX feel free to contact us at ( XXXX ) XXXX Monday through XXXX XXXX to XXXX and XXXX XXXXXXXX to XXXX XXXX Time. Very truly yours, XXXX XXXX XXXX XXXX Customer Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX I NEED MR COOPER TO CLOSE THIS LOAN AND RETURN MY ESCROW FUNDS BEFORE DAMAGE OCCURS TO MY CREDIT.