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

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please adjust the misleading information from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The original loan was in excess of {$50000.00} to XXXX XXXX XXXX, we got caught in a financial crisis and were unable to repay correctly. They merged with or sold the loan to Greentree Financial who then sold the loan to Ditech Financial. During this we have continued to repay the loan to the extent the current balance is around {$12000.00}. We have every intent of repaying this loan completely. Our issue is that all of the compamies involved, XXXX, Greentree and Ditech are reporting the same loan as delinquent, charged off or a collection account. Since Ditech has had the loan we have not missed or been late with a payment. I do n't feel it is fair for all the companies to be reporting the account in a negative fashion when it is obvious we are trying to do the correct thing by paying the loan down and ultimately off. Other than the fact it was originally a collection account when Ditech got the account they should not be reporting as delinquent or in a negative fashion
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 proces- 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: Debt collection

Requests for Verification of debt sent to Credit Corp Solutions XXXX XXXX and XX/XX/XXXX via Mail. None of which have been able to be verified. Account still shows on my credit report and is a detriment.
Product: Checking or savings account

Im XXXX XXXX, I would like make a claim against Wells Fargo bank. On XX/XX/20, they sent me email telling me that they was going close my account on XX/XX/20 due to transfer money into my savings account. I already put {$300.00} in my savings for me to go on vacation as of this year. So I called them back they told me called loss provenction. I called them, and ask why are you closing my account an they said that it was unorize that I had wire to much money, and to be taking money out of my account and putting money in to my account. So thats reason they are closing my account. So I told lady that was fine, that I will be taking my money out of bank, I will be banking some were else. She also said they had put hold on my account. On XX/XX/20, my employer ( XXXX XXXX XXXX  ) did a direct deposit in the amount of {$380.00} in to my checking account. It had posted to my account at XXXX XXXX. I had money in my account when I left work. I paid XXXX auto insurance on that day. In the amount of {$130.00}. Everything went thru and had balanced of {$240.00} left in my checking account. Later on that day I went to Roses express store to used my debit card in the amount of {$23.00}. I also went get food. I also used my debit card there in the amount {$9.00}. On XX/XX/20. I decided to go to bank to get some money out when I notice I had a negative balance of {$140.00}. I call Wells Fargo customers services an I told lady what happened to my money that was in my account she said that were no deposit made in my checking account. I told her there was deposit of {$380.00} that was deposited on Friday, cause I get paid every Friday my money goes into my checking account. She claimed that was no money in my account. I have proffered that money was there. I get text messages on my phone stating when my direct deposit is posted into my checking account, and the time it is in there. I also have copy of my pay stub from my employer deposit money into my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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: Debt collection

A person representing SWBC mortgage payment and negotiate a lower payment. This person provided new program. Requested payment of {$660.00} to active new program. 
Persons name XXXX XXXX with SWBC. Phone number XXXX. Date XXXX. I paid the money and then realize it was a fraud or scam. The money was processed thru XXXX at XXXX and XXXX XXXX XXXX at XXXX. Not SWBC. What do I need to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today regarding my account with BMW Financial Services. It would seem that BMW has a practice of not counting months as 30 days ; thus, use irregular months ( months that are 31 days ) to count from one month to the next ; thus, this unfairly creates 30 day late payments to their customers. For example, at BMW Financial if one pays XXXX the XXXX one month and XXXX the XXXX the next month is not 30 days they count it as 31 days. Ive never done business with a company who does this most companies Ive done business with uses a rolling thirty days no matter the irregular months ( which is wise ). Because of this practice, BMW Financial Services has negatively impacted my credit rating with a 30-day late payment on my credit report. Furthermore, if this is their practice they should inform customers of this fact : I never received any written correspondence that reflects this practice or formal notice of this policy. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies ( XXXX, XXXX & XXXX ). My car payments are due on the XXXX of every month and recently I changed to the XXXX of the month. There seems to be a technicality or a mistake with a late payment of 30 days for the month of XXXX on my credit reports. In the month of XXXX there was 31 days in the month ; thus, making my XXXX payment on XX/XX/18 resulted in being 30 days ; however, paying the same day ( XXXX ) of the month prior in XXXX ( XXXX payment ) resulted in being 29 days. This is an unfair a deceptive practice of credit reporting - especially for someone planning to make a payment on the same day every month. Further, extremely hurtful to customers intentionally or unintentionally.
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

CALIBER HOME LOANS refused to take my payments since XX/XX/2022 and asked for documents for loss mitigation that has been sent multiple times and they would wait 3 weeks to send a letter stating they were incorrect. We have spoken to them many times and they said our loan modification was in underwriting and the foreclosure was cancelled on XX/XX/XXXX. Then yesterday XX/XX/XXXX I get a letter stating I have to pay them $ XXXX or my house is going to be foreclosed on in 11 days. This can't be legal!
Product: Mortgage

These scumbags once again sent mail here to DEAD ENTITIES/LEGAL FICTIONS. They have recieved XXXX insurance money ... now they can get the XXXX out of my life or each month they'll get a XXXX claim/FEE for IDENTITY THEFT, Administrating Property ( XXXX & XXXX ) without Right, Consent or Contract & Loss, Injury and Harm.. EVERY piece of mail sent here ... a {$300000.00} TORT will be filed. WELLS FARGO has committed FRAUD that they want to ignore and multiple CRIMES under 18 USC 242 .... this abuse will not be tolerated.
Product: Vehicle loan or lease

The company asserts that I owe them additional money ; however, whenever I inquire about this, they consistently state that I dont owe anything. Despite their reassurances, the fees continue to appear on my account.
Product: Mortgage

I requested dates and transaction history from the servicer and received no response. This timeline below is approximate. 

Basically, LoanCare paid my mortgage insurance premium check to the wrong address and by the time they made the payment to the correct address, my policy was canceled XX/XX/year> and the insurer refused to reinstate that existing policy. 

The new policy is much more expensive than my prior policy so I am financially harmed the first place ( I received a refund check from the insurer without explanation )
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft! My information was sold to the black market from a compromised data leak from XXXX.
Product: Credit reporting or other personal consumer reports

I believe these accounts were fraudently opened due to identity theft XXXX XXXXXXXX {$110.00}, XXXX  XXXX XXXX {$480.00}, XXXX  XXXX {$540.00}, XXXX XXXX XXXX {$510.00}. I've asked the credit agencies to remove these accounts on several occassions from my consumer report and provide documents validating these accounts at this point the agencies are in violation of williful non compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX  XXXX XX/XX/XXXX {$1000.00} 12.  XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on all three of my credit reports from XXXX XXXX XXXX XXXX XXXX that all show my accounts are managed by a debt management company and that agreement has been done and the accounts paid for 6 months or more and no matter if I dispute it or not and include the letter saying the management is over they will not be removed.
Product: Debt collection

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, MI XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX XXXX Account No. XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

XXXX XXXX XXXX has continued to communicate with me regarding the alleged debt associated with Account XXXX. XXXX, despite my explicit written request that all communication cease. I sent a cease-and-desist letter to XXXX XXXX XXXX on XXXX date you sent the letter ], requesting that they stop all forms of communication with me regarding this matter, except to provide written validation of the debt or to notify me of specific legal remedies they intended to pursue. 

Despite my request, XXXX XXXX XXXX has continued to contact me, violating federal law. In addition, I am disputing the validity of the debt and have requested : 1. Written validation of the alleged debt, including an itemized accounting of the amount claimed. 
XXXX. Documentation proving XXXX XXXXXXXX XXXXXXXX legal authority to collect this debt. 

To date, XXXX XXXX XXXX has failed to provide the requested validation and continues to engage in collection activity. Their actions are causing undue stress and are in direct violation of 15 U.S.C. 1692c ( c ) of the FDCPA.

Requested Resolution : 1. I request that the CFPB investigate XXXX XXXX XXXX practices and ensure compliance with federal law. 
XXXX. XXXX XXXX XXXX should provide the requested written validation of the alleged debt and cease any further communication with me unless it complies with FDCPA requirements. 
XXXX. Any violations of federal law by XXXX XXXX XXXX should be addressed with appropriate penalties or enforcement action. 


Thank you for your assistance in resolving this matter. Please feel free to contact me if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX Submission Instructions : XXXX. Submit the letter via the CFPBs online portal ( https : //www.consumerfinance.gov/complaint/ ) or mail it to their address.

2. Include copies of supporting documents, such as the certified mail receipt of your cease-and-desist letter and any correspondence from XXXX XXXX XXXX. 
3. Retain a copy of the complaint for your records.

Let me know if you need further assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent out a dispute via certified mail receipt : XXXX, regarding inaccurate and unauthorized information being furnished on my consumer report. Till this day I have not gotten any response nor resolution to my disputes, I am being ignored and my rights are being violated. I have contacted them multiple times only to be ignored. they are in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I applied for a Citi Bank CitiGold checking account which provided for a bonus of XXXX ThankYou Points upon meeting certain criteria. That criteria was met and confirmed by Citi no less than 4 times via secure messages and telephone calls. It took approximately a month and a half of repeated calls and e-mails to get Citi to honor this offer and deposit the XXXX ThankYou Points in my account. When the offer was finally honored, I transferred the points to my ThankYou account tied to my Citi Premier credit card and requested that the checking account be closed due to the poor customer service and needing to waste hours of my time following up with them to get Citi to honor their offer. I was explicitly told during the phone call where the checking account was closed and the points were transferred that I would have 90 days to redeem those points. Approximately 70 days after those points were transferred and the checking account was closed, I noticed the points had been deducted from my ThankYou account balance. When I inquired with Citi as to why, I was told that because I closed the checking account, that Citi was only allowing me 60 days to redeem the points. At no time was this ever communicated to me, and if fact this was in direct contravention to what I was explicitly told by Citi 's own representatives when I transferred the points and closed the checking account. The points have a value of ~ {$500.00} when redeemed for flights - which is what I intended on doing with the points. I have made a request that Citi honor the terms of their representative 's statements to me about expiration date of the points, and Citi has denied the claim. I either want the points reinstated with 30 days to use them, or for Citi to compensate me for the ~ {$500.00} in damages Citi has caused by not honoring the terms of their own agreement.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX SUNRISECRED ( Original Creditor : XXXX AT T XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received an SBA loan for my business via chase bank for {$140000.00} on the XXXX of XXXX, I went there withdrew {$5000.00} to make a business purchase which I was allowed to. On Monday I went to the bank to make other payments on my business but was told to come back based on appointment the next day. 

The next day I went to the bank and was told my account and funds had been frozen along with a letter sent by mail that they were taking actions to close my bank account based on suspicious activity on the account. I went to the bank to find out more about this claims and they insisted that if I wanted to retain the account I needed to bring prove of the business along with the loan. I sent in all documents of Incorporation, EIN documents, my loan documents and all documents pertaining to my business. 

Was told within 2 days I would get a response from them. Its been more than a month and some days and all I get from them is a run around, they tell me I need to register the business in Florida but its already a registered business in Washington where the business is actually located and Florida is just my state of residence, yet they insist that I must register it in Florida which I dont find advisable since I do not operate my business in Florida, Secondly I have taken all prove of business to them already which should be sufficient enough but rather I am getting a run around each time I visit the bank or call to check on my account status. 

I have been given the run around over and over, I called the number I was given by the bank manager and after calling and being on hold for over hours they said they were going to hold on to the money in my account without giving any reason to it. 

Please I would like you to assist in getting this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verbally and by written statement that equifax remove these inaccurate and fraudulent accounts and inquiries off of my consumer report according the correct protocols by FCRA.