23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company, XXXX XXXX, reported an account to the credit agency 's, XXXX XXXX and XXXX, on XXXX XXXX that an amount of {$440.00} was owed, but was paid and satisfied from XXXX XXXX I disputed this account with the credit agency stating that this account is not mine nor was I an authorize user on it. I do however have 4 XXXX XXXX accounts that have been in good standing for years now. The credit card account number that is being reported is not connected to any of of my current accounts., but for some reason when they last updated their information XXXX XXXX, XXXX, they did not verify it properly. I contacted the company and requested documentation proving this account belong to me, along with the information of how the account was paid off, but as of today, I still have not received it. Furthermore, I contacted XXXX XXXX, and they said this account number, last four digits, was never associated to me or any of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.
Product: Checking or savings account

XX/XX/2022 I was sent mail stating an attempt to open an account in my name was unsuccessful. 

XX/XX/2022 I contacted US Bank and they confirmed the fraud and directed me to place a fraud alert with the credit bureaus and the FTC
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, Navy Federal seized an IRS refund deposit of {$2300.00} and applied it to a charged off XXXX account that had not received payment in almost 24 months. 

Navy Federal can not enforce a pseudo-debtor prison scenario by forcing me to pay on a closed charged off account by seizing money from a pending deposit and applying it to the balance of the charged off account - which is exactly what they did. 

After I filed a CFPB complaint detailing that action ( XXXX ), Navy Federal decided to honor a 23 month-old request to close all of my banking products ; but not before issuing me a cashier 's check for the pending IRS stimulus deposit. 

Navy Federal returned the 2nd IRS deposit, but not the 1st one from XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and adress 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 ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with 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 in 60 days 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.

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 XXXX
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 prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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.

( 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 proce 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 and43 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Jefferson capital shows up on my credit report and I know nothing about this debt. Last reported XX/XX/year> in the amount of {$7400.00}. The report states it was opened on XX/XX/year>. Thank you.
Product: Vehicle loan or lease

I took the vehicle loan from Westlake Financials Services and before one month I tried to make my pay off amount. I gave my ACH details to customer service in order to make the payment and maintained the sufficient balance as well into my account. However after 5 days westlake mentioned that my payment is declined due to insufficient balance and they charged me extra fee for that and interest as well. Then I checked with my bank and bank mentioned that there was no payment request from westlake at all.

I told the same thing to westlake but they had no resolution and then I tried to make the full payoff again with extra charges and gave my ACH details to customer service again but again the payment got declined saying that insufficient balance. I checked again with my bank XXXX and they again mentioned that there was no payment request from westlake. 

Now Westlake is not giving me any solution and just charging me lot of extra fees Kindly provide me the resolution please.

Note : Westlake have been doing the same thing with lot of customers as per the reviews at XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX}
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect addresses on my credit report. XXXX XXXX XXXX are reporting my correct addresses. 

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

I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every 6 months. That is not fair. I want the information correct and my name and address
Product: Credit reporting or other personal consumer reports

According to federal law, specifically, Title 15 of the United States Code, it is a requirement that this information be removed from my reports. Reporting this information appears to be a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and if these accounts are not removed and personal information is not updated within 30 days, you will be liable for 30 days.

Per 15 U.S. Code 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. 

By the provisions of the FCRA, I am demanding the removal of these accounts and that if you fail to remove these remarks and accounts you respond with federal and constitutional measures that allow you to violate the privacy of my Estate, named XXXX XXXX XXXX XXXX. 

Please remove all information as you will not be able to verify since I did not supply you with written consent to report these accounts. Failure to remove the following also subjects you to liability
Product: Debt collection

Wakefield Associates continues to contact me after I have given them my attorney number to verify that this debt they are trying to collect is still pending and the amount isn't correct as well. Pending lawsuit for auto accident.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns and frustration regarding the multiple unsuccessful attempts to remove the late closed and charge-off accounts on my credit report. These inaccuracies have persisted, despite previous disputes, and continue to have a detrimental effect on my creditworthiness. I hereby request an immediate and thorough investigation to finally resolve this matter. 

Despite multiple prior attempts to rectify these inaccuracies, they persist on my credit report, negatively affecting my credit score and financial standing. I have provided documentary evidence and information in each previous dispute to support my claims. 

I kindly request that you conduct an immediate and thorough investigation into these late closed and charge-off accounts, ensuring that my true financial history is accurately reflected on my credit report. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request a written explanation of the steps you have taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and has hampered my ability to secure credit, loans, and financial services. It is imperative that these issues are resolved promptly to restore my creditworthiness and financial stability. I am asking for your immediate assistance to remove the following accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXX XXXX XXXX XXXX Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

I am being penalized and harass for making monthly mortgage pre-payments to XXXX XXXX XXXX XXXX XXXX which have sold to Shellpoint/Newrez with incorrect payment information. According to my XXXX XXXX XXXX XXXXXXXX, there's no penalty for pre-payments. XXXX XXXX XXXX, XXXX start receiving my pre-payments in XXXX. Those pre-payments ranged from 2-5 months in advanced. Newrez, LLC c/o Shellpoint Mortgage Servicing purchased the loan. They started servicing my loan on XX/XX/XXXX. By XX/XX/XXXX my twelve months mortgage pre-payments were made to XXXX XXXX XXXX XXXX XXXX XXXX These business dealings does not happen on a whim. XXXX XXXX XXXX, XXXX should have accrual my pre-payments, then apply to the correct month. All my ACH pre-payments and mortgage coupon slip indicted which month the pre-payment was for. I don't owe Newrez/Shellpoint any past due payments. The most recent correspondance from Shellpoint is attached along with my most recent reponses sent by certified mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX The card is still reporting on my credit report but now as a closed account
Product: Debt collection

This company Credit Adjustments was hired by The Department of Education to collect a debt that was discharged in a Bankruptcy due to medical reasons. It was filed in XX/XX/2003. Docket # : XXXX. 

I have sent numerous letters requesting that they stop attempting to collect this debt. The Depart of Ed is intercepting my tax returns, even though they have collected over {$XXXX}, XXXX through wage garnishment. 
When I call Credit Adjustment, they refer me to the Depart of Ed,  and vise versa. 

It took over four years before the debt was removed from my credit reports. Now I recently discovered I my name is on a CAVIRS list.
Product: Credit card

On XX/XX/2023, I checked into XXXX XXXX in XXXX. 

The hotel incorrectly charged me for my full room stay during check in and assured me the charge would be cancelled. 

When I checked out on XX/XX/XXXX, I paid for the full room stay + incidentals. 

The following 2 transactions were charged to my Chase credit card account by XXXX XXXX XX/XX/XXXX XXXX {$2300.00} XX/XX/XXXX -> {$2500.00} Attached is documented evidence of the hotel reservation, initial XX/XX/XXXX charge, failed cancellation attempt, final charge, and final invoice. Documents from the hotel are in local currency. 

When asked by Chase to remove the initial charge, they agreed with the hotel that both charges are valid and reference the single invoice as evidence to justify both charges. They are unwilling to credit me the original {$2300.00}.
Product: Credit reporting or other personal consumer reports

[ Your Name ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Violation of 15 U.S.C. 1692g ( Debt Validation ) by Equifax Dear Sir/Madam, I am filing this complaint against Equifax for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) as outlined under 15 U.S.C. 1692g. This issue pertains to an entry reported on my credit report, which lists XXXX XXXX XXXX as the original lender for a debt account. 

Upon review of my credit report dated XX/XX/year>, obtained through myFICO, it came to my attention that XXXX XXXX XXXX has been incorrectly listed as the original lender for the referenced account. This entry violates 15 U.S.C. 1692g, as it misrepresents the original creditor 's information and fails to validate the debt adequately. 

Details of the account in question : - Account Name : XXXX XXXX XXXX- Reported by : Equifax - Original Lender : Misrepresented as XXXX XXXX XXXX - Date Assigned : XX/XX/year> - Balance : {$700.00} In accordance with 15 U.S.C. 1692g, I requested verification and validation of the debt, including accurate disclosure of the original creditor. However, Equifax has failed to provide the necessary documentation to validate the debt and correct the inaccurate information. 

This misrepresentation has caused harm to my creditworthiness and financial standing, and I am requesting the following actions : 1. Immediate removal of the inaccurate account information reported by Equifax.

2. Full compliance with 15 U.S.C. 1692g, including proper validation of the debt and accurate disclosure of the original creditor.

3. Confirmation of the correction in writing.

I have attached a copy of my credit report highlighting the erroneous entry, as well as correspondence related to my dispute for your reference. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly to ensure compliance with federal laws protecting consumers. 

Thank you for your attention to this matter. 

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

XXXX, Experian and XXXX are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit.

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Please see definition of a consumer ( c ) The term consumer means an individual.

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Please see listed accounts reporting late payments 1. XXXX LATE PAYMENTS REPORTED XXXX. XXXX XXXXXXXX LATE PAYMENT XXXX. XXXX XXXXXXXX LATE PAYMENTS XXXXXXXX XXXX XXXXNO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS
Product: Checking or savings account

I disputed a transaction for my son 's Cash App account. Cash App calls my son 's account a sponsorship account because its connected to my Cash App account. We ordered clothing items from a website called XXXX on XX/XX/year> but we never received the items. On the statement the transaction appeared as " XXXX XXXX '' which was I found odd from the beginning. When inquired with the website 's customer support they sent my son fake shipment information, that's when I knew the website was fake. I've disputed this transaction three times of which Cash App has denied the dispute. One of the disputes was submitted XX/XX/year>, I provided documentation of the transaction, the inquiry to the websites support and the email of them sending us fake shipment tracking information. I received an email from Cash App on XX/XX/year> stating that the dispute was denied. On XX/XX/year> I requested that they send me whatever documents they used to make the denial determination. They responded stating that there wasn't such dispute submitted so they couldn't send me anything. I just want the {$33.00} refunded back to his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX  account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Midland credit management on a matter that pertains to my credit. I have been a victim of fraud. I sent Midland credit management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked to remove Midland credit management the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Midland credit management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Midland credit management. You can not because this is not my debt nor do I owe Midland credit management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM MIDLAND CREDIT MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Mortgage

I refinanced with Axos Bank at the end of 2020. Since then they have failed to contact my home insurance company to set up annual payment ( this has since been corrected ), they incorrectly calculated my city property tax and had no interest in contacting the city to correct it. I had to have multiple email exchanges with them and multiple calls with the city to rectify this. The auto debit system will not allow me to pay the actual amount I owe. It is still set to the old amount with no option of changing it. I suspect this is why the system won't transfer the funds to my mortgage account. I've asked multiple time for them to rectify this to no avail. Every time I think they've corrected it, I get a notice saying my mortgage is late.