23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2022 I financed a mortgage to buy a house. The amount was approximately {$320000.00}. My loan servicer was XXXX XXXX. On XX/XX/XXXX I made a payment of {$160000.00} to pay down the principal. Shorty afterwards, I received a letter that they were selling my mortgage to Fifth Third Bank. On XX/XX/XXXX they removed the payment of {$160000.00} citing it as a " misapplication reversal ''. After they sold the mortgage to Fifth Third Bank, they didn't get that {$160000.00} payment to Fifth Third Bank until XX/XX/XXXX. Because of this, when I made my house payment on XX/XX/XXXX, the amount of interest I was charged was based off of a principal of approximately {$320000.00} rather than the approximately {$150000.00} it should have been. Because of this, I am estimating that I lost {$1000.00} in excess interest charges that I should not have had to pay. I've got screenshots from both loan servicers to illustrate my situation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a purchase in the amount of {$2000.00} with an interest-free option. The account was paid off on XX/XX/XXXX in the amount of {$190.00}. 

In XX/XX/XXXX I noticed that the account was still being reported as open on my credit report. I contacted Conns in XX/XX/XXXX and each month thereafter. Each month I was informed to provide the creditor 24-48 hours to close the account and 30 days for my credit report to be updated. 

The last contact was made on XX/XX/XXXX with XXXX ( CSR Manager ) and myself. I was advised that on XX/XX/XXXX a no interest but out reinstatement request was made by management at XXXX XXXX, the payment was made to pay off the account of {$190.00} at that time. The reinstatement request was approved after XXXX XXXX  on said date. Notes were made in Conn 's system XXXX to accept payment and close out the account on XX/XX/XXXX. XXXX placed a ticket to be worked on or before XX/XX/XXXX which has not been reviewed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX  XXXX Bankruptcy
Product: Credit card or prepaid card

I have  XXXX  personal credit cards wit h Chase Bank. One product is the Chase Freedom card and another product is the Chase Sapphire Reserve. The Chase Freedom account I have had open for more than 5 years, meanwhile the Chase Sapphire Reserve account I had opened almost a year ago. I was able to use my Chase Sapphire Reserve fo r almost all of  XXXX  and all of last year. T  he Freedom card I have used sporadically for the last year.
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For the Chase Sapphire Reserve, th  e last transaction was on  XXXX / XXXX / 2017 . I made a purchase using the card in the morning. In the afternoon, the card was declined. When I logged on to my Chase account all of my personal credit card accounts were closed.   <P/> A week later, I got a letter in the mail desc ribing how Chase no longer wants my client services. No explanation was given about what had happened. None of the phone representatives are willing to give me any further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Macy 's Amex credit card on XX/XX/XXXX. I received the card 1-2 weeks later in my mailbox. 

Since the name on the card was not correct ( my first name and last name switched ), I requested a replacement. However, I did not receive this new replacement card. Instead, I was notified by Macy 's in the beginning of XXXX that there seems to be fraudulent activity on my card. I contacted Macy 's immediately and asked them to stop further fraudulent activity. 

Apparently, someone stole the shipped card and used it for purchasing and getting cash while the new card " was not activated ''. Here is the list of these fraudulent activities : ( 1 ) {$200.00} on XX/XX/XXXX ( cash advance ) ( 2 ) XXXX on XX/XX/XXXX ( 3 ) XXXX on XX/XX/XXXX Also, I was charged with cash advance fees ( 4- {$8.00} ) and interest fees on cash advances ( 5- {$2.00} ). 

Although Macy 's claimed that they will remove these charges from my account and investigate the issue within 2 billing cycles, they did not. They only removed charge ( 3 ). All of the remaining charges stayed on my balance and I had to pay them off to prevent interest charges on my account. 

I have contacted Macy 's customer service multiple times in the last 2-3 months. Each time the representatives assured me that the issue will be resolved shortly or even " expedited ''. Today ( XX/XX/XXXX ), I called Macy 's customer service again and learned that they did not even know about charges ( 1 ) and ( 2 ) being fraudulent. The representative claimed that they will start looking into those charges now. 

I think Macy 's and Amex need to look into two problems : ( A ) A credit card that was not activated was used for fraudulent activity and purchasing ( B ) No one at these companies seems to care about removing these charges from my account I appreciate your help in resolving these issues. Thanks! 

( Attachement : Credit card statement containing the charges )
Product: Money transfer, virtual currency, or money service

I Am Filling 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 seek appropriate redress for violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX
Product: Checking or savings account

I have XXXX account ( Health Spending Account # XXXX ) which operate by XXXX at XXXX WI for many years. On XX/XX/XXXX, I requested to transfer my XXXX account balance from this account to my current employer XXXX account which manages by XXXX. XXXXissued the balance transfer check ( Total amount is {$37000.00} ) to XXXX on XXXX XXXX XXXX But after weeks the money did not post to my XXXX account at XXXX. I contacted XXXX and XXXX both site customer services, I was told XXXX never received the check and the XXXX said check sent and been clear by XXXX XXXXXXXX XXXX on XX/XX/XXXX. I also been told XXXX XXXX XXXX is not the bank to operate XXXX accounts for XXXX. This money received at one of account at XXXX XXXXXXXX XXXX no one can tell who is the account holder. That check was been endorsed by an unauthorized without bank proper verification. But XXXX release the fund. After I contacted both site customer services multiple times. I was been asked to fill " Loss Affidavit '' to XXXX for further investigation. After I submitted that form for over XXXX month. I got a letter said denied my " Loss Affidavit '' form and ask to contact XXXX XXXX bank directory. I am not XXXX customer. I was told could not get help to investigate it at XXXX XXXXXXXX XXXX  I don't know how I can trace it and get my money back. I am filing this complain VsXXXX XXXX ( Subdivision of Webster Bank ). This bank is very irresponsible for my money transfer that causes this loss and created fault. I need XXXX to trace it with XXXX XXXXXXXX XXXX and get my money back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX fcra violations remove it : XXXX XXXX
Product: Mortgage

I have been working with the Short Sale Lender for almost 6 months to try to close this short sale. The previous Buyer walked but I recently received an offer from another Buyer around the same time that the Servicer assigned a foreclosure date on the house. The Servicer is refusing to postpone the foreclosure date and will not review the short sale offer despite us sending over all the documents they need to review the file for a short sale. We also requested an updated value to be done to the house but the Servicer responded that they needed an offer first before an updated value could be ordered which was a difficult position they put me through because the property was marketed for a long time and could not get an offer at the amount that the Servicer set the value for. So this was like a catch-22 and when the Servicer assigned a foreclosure date for the house, we could not convince them to order a new value despite the fact that they knew that the property needed many repairs, and that it was on the market for months before a 2nd offer was received.
Product: Debt collection

Being charge for something I didnt use or agree to use was doing a free trail for the company and now they charging me the full price for something I never completed!
Product: Credit reporting or other personal consumer reports

I am writing regarding a dispute I previously submitted concerning inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide a description of the reinvestigation process, including the methods used in their investigation. However, despite my request, TransUnion has failed to provide proper documentation and proof of a reasonable reinvestigation as mandated by the FCRA.

Legal Basis for Deletion of Inaccurate Information 1. Failure to Provide Investigation Methodology Violates FCRA o Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), a consumer has the right to be informed of the procedures used in a reinvestigation. Your failure to provide this violates my rights under federal law. 
XXXX. Lack of Proper Investigation is a Willful Violation o According to XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), a credit reporting agency must conduct an independent investigation beyond simply relying on data furnishers. Your failure to produce proof of such an investigation suggests you did not comply with this requirement. 
XXXX. The Consumer Financial Protection Bureau ( CFPB ) Mandates Fair and Accurate Reporting o As per CFPB XXXX XXXX, credit reporting agencies must have adequate procedures to ensure the accuracy of consumer reports. Given that you have not substantiated the accuracy of the disputed accounts, they must be deleted immediately. 
Formal Request for Deletion of Inaccurate Accounts Since TransUnion has failed to comply with the above legal requirements, I demand that the following disputed accounts be permanently deleted from my credit file within 15 days of receiving this letter : 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 
Failure to delete these accounts will constitute continued noncompliance with the FCRA, which may result in legal action against TransUnion, including complaints to the CFPB and the Federal Trade Commission ( FTC ). Additionally, I am prepared to seek damages for noncompliance as outlined in 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Please provide written confirmation that these accounts have been deleted, along with an updated copy of my credit report. If you do not comply, I will escalate this matter further. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this inaccurate information on my credit report In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

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

Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing. In  XXXX  of   XXXX   XXXX   I was denied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in   XXXX   XXXX  . Still no notification at this time nor to this date (   XXXX   XXXX   ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til   XXXX   XXXX  , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!
Product: Credit reporting or other personal consumer reports

My car was broken into with all my personal information included and has been since used.
Product: Debt collection

Received an email saying I owe Speedy Cash {$1100.00}. Email shows from XXXX XXXX but email address seems bogus. Here is text of email : image Date : XXXX XXXX Creditor : XXXX XXXX XXXX. 



Current Balance : - {$1100.00} Settlement Amount : - {$950.00} Subject : Unpaid loan This Proceeding issued on you Docket No : - # XXXX with one of XXXX XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state. 

We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

Let us know what your intention is by today itself so, we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. 

We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

Customer Notice : Speedy Cash Advance should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. 

Note : To make the payment or settlement you would have to contact at : XXXX ( Legal Department ) Speedy Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I do not owe these scammers!
Product: Debt collection

Republic Finance XXXX a lender on consumer loans, failed to recognized my hardship status and in so doing created for me financing hardships when i co-signed a loan with my son, I am XXXX and already stressed dealing with other priorities such as paying my rent, car and life insurance, medical needs as well has utility cost and the paying of internet as well. So I dont have the money to pay, so now they have threaten me with their lawyers and third party vendor who is now tryin to collect this debt. i have XXXX XXXX now and scared that they will take my small property to use in their pursuit of collecting this debt. I have filed my own pro-se case now pending in the XXXX XXXX XXXX XXXX 's civil division, and I now also may have to resort to filing a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX