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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Collection Activities Account Number : # XXXX Dear JEFFERSON CAPITAL SYST, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated.

That you may pursue specific legal remedies.

That legal action will be taken against me.

Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office. 

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

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

XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX  Payment Status XXXX Payment History Older Derogatory events More Details 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 XXXXXXXX Pursuant : Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts This is a violation and inaccurate reporting ** 15 USC 1691d** Mandates creditors to provide a written notice of any adverse action taken regarding a credit application Privacy Act Violations : 5 USC 552a : Protects privacy rights concerning the collection and use of personal information without consent.
Product: Checking or savings account

I am a customer of Capital One, and I have encountered an issue with the delayed availability of my direct deposit funds. My employer processed the direct deposit on XX/XX/year>, and these funds should have been made available to me on XX/XX/year>, based on the standard processing times I have experienced in the past. However, as of XX/XX/year>, the funds have not been credited to my account. 

I rely on timely access to my direct deposit for essential expenses, and this delay has caused significant inconvenience and stress. I contacted Capital One 's customer service on XX/XX/year> to address the issue, but I have not received a satisfactory explanation or resolution. 

I believe this delay violates the terms and expectations for direct deposit processing and would like the Consumer Financial Protection Bureau to investigate this matter. I am requesting that Capital One immediately release the funds and provide a clear explanation of the delay to ensure this does not happen again in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my private information and are responsible to safeguard. If Experian properly investigated, they would realize XXXX XXXX XXXX XXXX ( XXXX ) did not have permission to access my report on XX/XX/2017. But instead they play the paper games with their clients. Both companies should fail because they are not professional, honest, nor doing their job. Experian is " taxing '' the US citizens by playing paper games and not safeguarding taxpayers private information.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX Card has been reported on my Transunion credit report as closed with an alleged debt of {$620.00}. The XXXX XXXX has not given me any sworn statement to the validation of any alleged debt according to the FDCPA. The XXXX XXXX also need to produce a document with my written express consent stating that The XXXX XXXX can put anything on my credit report.
Product: Checking or savings account

On XX/XX/XXXX I deposited a retirement check from XXXX XXXX XXXX XXXX ( XXXX ). It was a corporate check and should have cleared immediately. Instead, after I made the deposit, Bank of America informed me they would release some the next day, 1/3 in two days and the rest on the following Monday. They gave me a receipt to this effect. 

Instead they are holding all funds until next Tuesday and didn't release any of it. This is unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, My name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of Identity Theft, and my personal information was used or tried to be used to obtain services and goods without my consent or permission. I request that the following information listed in this report and this statement be removed immediately. 

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

I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX  XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )
Product: Checking or savings account

XXXX has unilaterally changed its XXXX investment program so that members whose XXXX cash was in the existing XXXX XXXX account forcibly had their money transferred to XXXX XXXX inferior proprietary system.
Product: Credit reporting or other personal consumer reports

My account with BMG MONEY was never late! I have had exceptional payment history witH BMG MONEY and all payments were placed on Autopay. 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 XX/XX/XXXX to XX/XX/XXXX 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. 


BMG MONEY 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: Credit reporting or other personal consumer reports

Un authorized 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 XXXXThe Bureaus 5 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

I was 2 business day from closing on an investment property when this mortgage company finally discovered that the investor/ owner ratio was high and they decided to change my down payment percentage from 20 % to 30 % which was unacceptable. The problem is that they ordered an appraisal that cost me {$650.00} and I had to spend another {$350.00} on other costs before they ever ordered the condo review from the HOA. Had they ordered the condo review from the very start ( which I believe is standard procedure ) this deal would have ended before either myself or the seller had incurred any of these costs.
Product: Credit card or prepaid card

My Name is  XXXX   XXXX . I am card member of  Chase Sapphire Reserve  card ending  XXXX . I have an unauthorized charge post on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  for  XXXX   .  I never went to this restaurant. The charge is happened on  XXXX  MO on  XXXX / XXXX /  XXXX   according to the Chase representative, post o on  X/XX/2017 .  However I am at  XXXX   XXXX  all day on   X/XX/2017 .  I have attached my hotel receipt  at   XXXX   XXXX  MO from  XXXX  to  XXXX  as evidence. I file dispute immediately after I found this charge shown on my account, but I do n't only response after the dispute. I sent online message many time for inquiry and each time is just we are working on it and no useful information. I called  Chase t o find out, but the representative is really unprofessional. She just read the outcome that  Chase w ill not refund the fraud charge because the fraudulent restaurant provide you the receipt who know what it is and you can not get money back from the restaurant. And refuse to connect to manager for help me solve this issue after I requested. After file official complaint in BBB, the  Chase executive off ice 's response is even worse and does n't care if I am  Chase 's customer or not. Chase can  not provide any solid evidence such as the restaurant receipt with my signature. I never receive any solid evidence from  Chase by mail indicate this charge is valid, but Chase is  so rude and said its their final decision and if you do n't like you can cancel the card. I paid  XXXX  $ annual fee for this credit card and this is not the customer service I expected. It seems that Chase does n't value their customer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$990.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}
Product: Student loan

My daughter attended XXXX XXXX XXXX XXXXXXXX XXXX in XXXX and graduated in XXXX. When she went to school she was promised that she was going to graduate with a job and that never happened. She never had the opportunity to work on what she study because every job required experience in field. She went back to the school and spoke to them about he promised job and they never helped her find XXXX. We are now on XXXX and and she is still trying to off the loan for a fraudulent school that never help her find a job. As of now she still owes {$26000.00} under my name and she has been struggling to pay the loan on a school that was fraudulent and the school was closed. Navient is not willing to help me and refuses to provide me with the application. My daughters loan under her name was been cleared up but Navient has not cleared up the amount owed under my name.
Product: Money transfer, virtual currency, or money service

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

To Whom it May Concern : I am writing to you with grave concern over a situation involving a solar company, Mosaic, and their unjust and predatory lending practices. I am seeking your immediate assistance to address this matter, as it has caused severe financial and emotional hardship for me. 

In XXXX, I initially contacted Mosaic, a solar company, to explore the possibility of installing solar panels on my home in XXXX XXXX, CA. Subsequently, I submitted some preliminary paperwork. However, the situation took a drastic turn in XX/XX/XXXX when I was informed by an engineer that my home had defects that could result in it being red-tagged. Under this circumstance, I was advised to halt any home improvement projects, including the solar installation. 

Understanding the gravity of the situation, I promptly contacted the solar contractor to inform them of the developments. It is important to note that no permits were pulled, and no solar panels were installed. Despite this, I have shockingly found myself burdened with collections from Mosaic for a service or product that I never received or accepted. 

What compounds the issue is that I live in a homeowners association ( HOA ) community, where any project would require explicit approval and sign-off. In this case, I did not proceed with the project or accept any loan associated with it. To my astonishment, Mosaic is reporting inaccurate and unjust information about a loan I never agreed to or signed for. This is a direct violation of my consumer rights and completely unjustifiable. 

California laws are stringent when it comes to safeguarding consumers against predatory lending practices. In my case, not only has this false reporting damaged my credit, but it has also hindered my ability to secure financial assistance for other vital needs. I have invested months in disputing this erroneous information with all three credit bureaus, yet I have seen no progress in removing it. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and address this issue with Mosaic. Their actions not only defy ethical business practices but also infringe upon my rights as a consumer. I have been unjustly victimized by this situation, and the financial implications have been devastating. 

Your urgent assistance is crucial to rectify this matter and bring Mosaic 's unfair and predatory practices to light. I am counting on the CFPB to uphold the rights and protections of consumers like me and ensure that justice is served. 

Thank you for your immediate attention to this matter. I eagerly await your response and guidance on how we can proceed to rectify this unjust situation. 

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

I am writing to dispute the late payment entries on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S. Code 1666b ). After reviewing my credit report, I have found that certain late payment entries are either inaccurate or unverifiable. I request a thorough investigation into these entries and their removal if they are found to be incorrect or can not be verified. The account ( s ) in question is/are as follows : Creditor Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year>. Under 15 U.S. Code 1666b, creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments, this constitutes a violation of federal law. Therefore, I kindly ask that you investigate these entries, as they may reflect incorrect information or improper billing practices. Additionally, in accordance with 15 U.S. Code 1681i of the Fair Credit Reporting Act, I request that your agency ensure the reported information is accurate, complete, and verifiable. If it is not, I ask that it be promptly removed from my credit report. Failure to correct inaccurate information within the legally mandated time frame could further violate my rights as a consumer under these federal statutes. Please provide written confirmation of any changes made and send me an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter, and I look forward to your response within the 30-day timeframe required by the FCRA.
Product: Credit reporting or other personal consumer reports

Contacted them for XXXX due to account status and charge off/write-off. I have not received it.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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. 
XXXX XXXX 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

I used a payday loan with speedy cash and I stopped using them but I was already paid off and they still took money out my account a while back after I stopped using them so I got a new card and now they are saying I owe them XXXX payment of XXXX when I havent got any money from them in a while
Product: Credit reporting or other personal consumer reports

We lost our home in a XXXX XXXX  days before XXXXXXXX XXXX. We notified the company the following week, due to the XXXX  and XXXX XXXX. We were told not to worry about any payments during this time, that the insurance company would issue the proceeds from the XXXX policy and pay off the loan since the house and everything in it was a total loss. Due to the XXXX and the XXXX XXXX 's policies regarding total loss, they needed to certify what happened to the house, which took well into XXXX. We kept the lender updated as to what was happening and as soon as the investigation was completed, funds were issued and sent to the lender. We waited for over XXXX  months AFTER the lender had the check for them to pay off the loan! As if it wasn't bad enough losing everything, and being told things were good on the lender side, we came to find out that the company was reporting XXXX, XXXX, XXXX and XXXX all as late on the credit report when they told us not to worry about the payments and when THEY HAD THE PAYOFF CHECK!!! To add insult to this whole situation, during this time, they also initiated a foreclosure on the home! We have disputed the credit report several times and received nothing out of it but a form letter response and nothing has changed. This isn't right! We need to get another home and a loan for it, but can't now because of their recent reporting on the credit report. ( We have denial letters stating this is specifically the reason why our application was denied ). Even though this company has lied to us, charged us thousands in unauthorized fees and charges with no explanation, and denied us numerous requests for information and records, we aren't seeking any monetary damages or refunds, we just want this information removed from the credit report immediately so we can move on with our life, part ways from this lender, and never again cross paths with each other or continue to fight this same battle month after month.