23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to request correction of the error described below regarding the land loan on my property at XXXX XXXX XXXX XXXX, NC XXXX. Per FCI Lending Services records, no payments were received in XX/XX/year> or XX/XX/year>. This is incorrect. The XX/XX/year> payment was sent out XX/XX/year> via online bill payment with an expected delivery date from XXXX. The XX/XX/year> online payment was sent out in XX/XX/year> with an expected delivery date of XXXX. After receiving late notices for these payments, I contacted my back who communicated that the checks were sent, however have not been cashed. I provided bank copies showing where these payments had been sent, but not cashed by FCI lending Services. As the checks were later cashed and cleared, I was charged late fees for those months. 

The payment for XX/XX/scrub>XXXX XXXX  was sent out with a delivery date of XXXX in the amount of {$540.00}. The payment for XX/XX/year> in the of {$540.00} was sent out with an expected delivery date of XXXX. There was an initial late fee charged of {$66.00} in XX/XX/year> charged to my account that was later waived. Recently, the XX/XX/year> payment was sent out with an expected delivery date of XXXX 

As I received my mailed billing statements, I continue to see that for the months of XXXX and XX/XX/year>, there are late fees charged in the amount of {$35.00} for both months. 
The XX/XX/year> statement currently shows that : XXXX  Late Fee : {$35.00} XXXX Late Fee : {$35.00} XXXX  Partial Payment Received ( Even though I paid the full amount ) XXXX Late Fee : {$35.00} XXXX  Late Fee : {$35.00} XXXX Late Fee : {$35.00} XXXX Late Fee : {$35.00} I recently received a billing statement claiming that I now owe {$2400.00} as of XXXX. Communicating with FCI has been a nightmare and they are not willing to correct their issue if was on their end. It looks to me as if FCI blames the consumer for any and all errors and is not very helpful in resolving matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 avoid 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I own 2 properties, a XXXX and a parking spot under 1 mortgage. I refinanced in XX/XX/XXXX. In XXXX of XXXX my servicing and escrow was moved to XXXX 

In early XX/XX/XXXX I received a final notice on unpaid property taxes on my parking spot, and was notified I could lose the property in 30 days if not paid. I paid the tax bill and penalty on my own. Today I saw the property taxes for this property were removed from my account XX/XX/XXXX. When I inquired with XXXX  customer service insisted they were paid correctly. I then got on the phone with the city of XXXX treasurer customer service who confirmed they received my payment but not from XXXX. Then after a second phone call XXXX  customer service agreed they had not made the payment with the funds made from my account. Another payment was made from my escrow XX/XX/XXXX for property taxes due XX/XX/XXXX but I have no way to confirm if its being made correctly until its too late. I found customer service to be evasive and unable to remedy in an appropriate time frame. It is unclear why these payments were not made to begin with but I would guess it has to do with when my account was moved. 

Additionally my monthly payment has moved from XXXX to XXXX dollars this month. Between XX/XX/XXXX and XX/XX/XXXX my XXXX dispersion has moved from XXXX to XXXX, with the additional dispersements in new line items that can not be explained by customer service after I spoke on the phone with them this afternoon. This may be correct ( I don't think so but I'm not certain ) but they are unable to explain the increase and given previous errors i must now insist on full explanations for all these projections There have been other issues with XXXX that I am bringing up now. I have been unable to access tax documents on a computer due to website issues. I've tried multiple computers and tablets and multiple browsers. They insist its not an issue because I can get them on the app.
Product: Credit card

On or about XX/XX/XXXX, I had my Chase Credit cards canceled without warning or notification. Upon calling to determine the reason I was told a letter would be sent explaining why and that no one would be able to inform me over the phone why my cards were closed. When I received said letter, it only informed me that my money market, savings, business account, and credit cards would be cancelled. No explanation given whatsoever, I have attempted to request at a local branch, but again no information is given. I am confused as I have all my accounts in good standing, do not engage in illegal activity, my payments are made on time and my credit score ( is/was ) above XXXX. I am more upset that despite my good standing a card can be cancelled without warning, this would have been extremely dangerous were I traveling abroad or in some medical emergency.
Product: Debt collection

I am a NJ XXXX account holder. Account # : XXXX My vehicle license plate number is : XXXX My account is current, and is enrolled in auto pay. For some reason my tag is not being read in NY, and I've accumulated 32 toll violations. 

I have no idea why my tag is not being read and why I keep getting violated and not recognized under NY XXXX tolls as a NJ XXXX client. 

Please refer all the outstanding tolls ( and subtract the violation amounts ) directly to my NJ XXXX account. 

I see no reason why I should be forced to having to pay toll violation fees in addition to actual toll value, as I am an XXXX account holder. If NY and NJ uses different XXXX facilities, they should be labeled accordingly and not be held under the same umbrella. 

Otherwise, I will be referring these toll violating methods to the Attorney General Office in each respective states, for predatory practices.
Product: Credit card

There are two issues here. One is straight forward : The Capital One online payment system was down for hours, so I unable to pay my bill. When I was able to pay, I was apparently after the payment cutoff time, so they assessed a late fee. I called to have this reversed, citing is was unfair for me to be penalized for their system failure. Their response to me was that I should have paid earlier to avoid the fee, and that they could not reverse it due to it not being an " emergency. '' I don't know how they decide what an " emergency '' is and the agent was not able to explain. They just dogmatically refused to refund me for their technical errors. 

The second is earlier this year I took a cash advance under the impression that there would be a one-time fee for this advance and that the amount of the advance would be added to my credit card balance. When I called about the fees I was seeing on my statement every month, I was told I would be paying cash advance interest on this amount for as long as I had a balance on my credit card. This is extremely confusing, and nowhere did they make clear to me that there would be no delineation between purchases and the cash advance, and that purchases must be paid off FIRST before Capital One would pay off any of my cash advance, and that I would therefore be paying interest on this one-time advance until I could pay off my credit card in full. 

Had I known that I would have NEVER taken out a cash advance. I have now paid {$70.00} on a {$300.00} withdrawal and I will continue to do so until I can pay off a nearly {$4000.00} bill, and there is no way to pay off this cash advance balance other than paying my entire bill. I have read over my statement, where they tell me this language appears, and I have read over their FAQ here : XXXX XXXX XXXXcapitaloneXXXX Pretend for a moment you know nothing of cash advances -- is that clear? Because I knew nothing of cash advances, and that was not clear to me. 

Many consumers don't know how cash advances work, and rely on the information provided by the company to make an informed decision.
Product: Checking or savings account

Today, I also submitted a dispute with CFPB for Chime for my Chime Credit Builder Account. This dispute is for my Chime Debit Checking Account. I have submitted a dispute with Chime for unauthorized transactions and received an email today that they will not be refunding my money. The Dispute # with Chime is : # XXXX I am currently losing money, once again, by losing hours with my job, to fill out all this information. 

The transactions being disputed : Merchant : XXXX  XXXX Card Pymt Amount : {$820.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX Gift Cards Amount : {$310.00} Date : XX/XX/22 Time : XXXX XXXX  Merchant : XXXX XXXX XXXX Amount : {$350.00} Date : XX/XX/22 Time : XXXX XXXX  Someone, once again, hacked into Chime and made fraudulent transactions now on my debit account, totaling {$1400.00}. I was told that I would have to wait 90 days for this dispute to be fully investigated. I was also told they would refund me provisionally on XX/XX/22 if the investigation was still pending completion. Today, just 3 days later, I received an email that they will not be refunding my funds for the {$820.00} and {$310.00} transactions and that I have to wait 10 days for documents to explain why. The other dispute is still pending for {$350.00}. 

I called Chime and the representative informed me that I need to submit new documentation to support my dispute for them to research further. I am submitted this form to the CFPB because I am requesting a full non-provisional refund sent to me by check in the total of {$1400.00} as I no longer trust their investigation process is in my best interest and I do not trust their security to put money in their accounts as two of my accounts were hacked with two weeks.
Product: Debt collection

CFPB, " Rent Recovery Solutions '' is refusing to comply with the law. They have YET to supply me with proof that I owe them money and keep sending me documents that do not have my actual signature on it from ANOTHER COMPANY. Then, the only recent response from them was " The signatures on the contract are electronic and our client holds that they are valid. '' That is literally all that was sent to me in my previous complaint REQUESTING A CONTRACT BETWEEN ME AND " Rent Recovery Solutions ''. Please tell me how in the world this addresses the issue. It doesn't. ACCORDING TO THE FCRA & FDCPA, THIS IS NOT SUFFICIENT OR VALID. A contract between me and " Rent Recovery Solutions '' must be supplied to me, and if it is not, then they MUST DELETE this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my current credit report, on XXXX XXXX, XXXX I contacted Equifax again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX
Product: Credit card

XX/XX/XXXX I called Avant customer service on XXXX to request a letter be emailed to me showing my current balance after a payment was made. 
This one of the three companies that I needed letters from to show my loan officer that I am making payments so I can qualify for my mortgage. A time sensitive issue as we are all aware. 

I was advised that they can not send me a notice but to send a separate email to XXXX and they could take care of that for me. 
I sent the email as requested at XXXX the same day. 

I called back later that day to see if they had processed my request and then was advised that they can only send me an email from the phone center if I had a XXXX balance. Unsatisfied with this answer I asked the representative XXXX to escalate the situation to a supervisor. The supervisor ( XXXX ) was unavailable and I was given the option for a call back. I asked to be called back before XXXX or after XXXX. The supervisor did not call me back until after XXXX when I was unavailable. 

XX/XX/XXXX I still have not received a response from the cardresolutions email so I called back in. I spoke with XXXX, who tried to assist me but provided me the same information advising that they can only send a XXXX balance letter. I tried to explain to him all I needed was an email with that information and I can literally view the information in the portal online but that is not sufficient for my loan officer since it is not underneath the " Avant '' letterhead. XXXX did have me forward the email that I sent to XXXX to another email XXXX. Which auto generated a response advising that they had received my complaint. 

At this point the other 2 companies had already provided me the information I needed in writing. So it can not be a legal issue of providing the information. It is my balance and not being able to provide proof of that balance to me as a customer is an anti customer policy. 

Additionally when I decided that the credit card company was not going to help me I asked who I could file a formal complain to and they were unable to provide me with any information. Since the rep and supervisor " do not know '' I understand that most companies will provide a statement monthly but I am trying to move faster than a monthly pace and every other company I have worked with has been able to assist me in some form. Avant is directly choosing to cause issues for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX approximately XX/XX/2020 and requested information concerning the debt which they claim I owe them. XXXX refused to tell me anything about the alleged debt. I filed several disputes with Equifax concerning XXXX over the past year. each time I file the dispute there was no evidence submitted which proves that I owe the debt but Equifax still closed the dispute without proof that I owe the debt. Equifax kept the debt on my credit report. In retaliation XXXX reported monthly causing my credit score to plummet. Again on XX/XX/2020 I filed another dispute against XXXX. On XXXX XXXX I was notified that Equifax decreased my credit score by 29 points. Equifax cited derogatory remarks from XXXX as the change which caused the drop in my score. I called Equifax to ask them how could they decrease my score based on inaccurate information which is also in the dispute process. I was bounced around from person to person for about an hour. then I was simply hung up on. There has been no resolution to this problem and it has hurt my credit very much. No proof of debt owed has been provided by XXXX. I don't understand how Equifax is allowing this to occur. This is a total violation of FCA.
Product: Credit reporting

i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute in writing of bankruptcy case being inaccurately reported on my credit and consumer reports. This dispute was met with a response from Lexis Nexis stating they could verify my identification and to send documentation for dispute to process. On XX/XX/XXXX I disputed the same two bankruptcies and attached evidence from the court 's website. This was sent via fax, email and mail. On XX/XX/XXXX I received a response attaching url link to view consumer report. It did not mention my dispute in any nature. On XX/XX/XXXX after no response to my two previous disputes I called an did a dispute of every item over the phone. In response dated XX/XX/XXXX to that telephone dispute I received correspondence stating " after a reinvestigation of the data in question, LexisNexis updated bankruptcy case number XXXX listed on your LexisNexis report. '' Although the reference both LexisNexis case numbers in the letter, they fail to mention the both investigations and actions. Further, they can not use a dispute to update clearly inaccurate information. They must delete any and all unverified and inaccurate information per FCRA. They have also failed to respond within the federally granted 30 days. 
They have not deleted any of my inaccurate personal information like name misspellings, incorrect/outdated addresses, and private banking and insurance information. Who my car is insured with is NOT for public record and I prefer to remain private. Who I bank with is NOT for public record and I prefer to remain private. I have not given this agency any authorization to run any form of data purchasing, sharing, selling or storing of my personal and consumer information. In their response dated XX/XX/XXXX they clearly acknowledged they discovered data was unverified. Yet used that time to update my consumer report with inaccurate information again. A criminal case can not be reported under driving record segments per the CRRG. They are simply seeking out information from internet searches of like names and addresses. This does not meet identification verification purposes per FCRA. In closing, the bankruptcies they are reporting are not even reporting in my name.
Product: Credit card or prepaid card

Chase Ink CC issued XX/XX/2020 Credit Limit {$21000.00}. 
Chase closed the account XX/XX/2020 without notice. 
Balance is {$12000.00}. 
Chase voided XXXX points XX/XX/2020 without notice. 
All monthly payments have been made timely. 
Chase refuses to reinstate account and/or points.
Product: Debt collection

0n XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 and counting. I have sent certified mail to Midland Funding LLC requesting that their company validate an alleged debt they are reporting on my credit reports. I do not recall doing any business with them or have any contractual obligation to this company. 

To this date, the company has not taken any actions. Yet, they continue to harass me, mail me, and report this debt after verified delivery of my letters. 

They are in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease-and-desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ).
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report. 

As it pertains to the Bankruptcy report the burden of proof is on you, the credit bureau, to ensure all information reported is 100 % accurate. Since the court has confirmed they do not report to you, I demand that you either verify this bankruptcy with them directly or remove it from my report immediately. If you fail to do so, I will have no choice but to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ), and pursuing legal action for FCRA violations. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds or the U.S. 
Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed Equifax Transunion and Experian Credit Bureau have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third-party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.