23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have written to Wells Fargo Home Mortgage three times requesting proof that that I was late and properly charged off. The last letter is attached. All they do is to write me and say that I was late and the account was charged off.. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
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 has 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 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 or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. 
Date opened XX/XX/year> 2018
Product: Debt collection

Toyota Motor Credit Corporation ( aka : Toyota Financial Services ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm XXXX XXXX XXXX XXXX XXXX. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.
Product: Credit reporting or other personal consumer reports

I am reaching out to contest the existence of false accounts listed on my credit report. Despite previous attempts and provided evidence of identity theft, these inaccurate entries persist. It is my understanding that failing to rectify this situation violates regulations governing credit reporting. 
I kindly ask for an urgent investigation into these accounts and their removal from my credit report, as mandated by the law. Your swift attention to this issue would be greatly valued. 
XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> Equifax 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Provided payment information for my account XXXX corrected part of my credit report. However failed to explain fees put on account or provide proof of what the fees are for. Also failed to apply an entire payment for my monthly payment but used it for fees XXXX continued to report payment late for XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments was ach withdrawn from my account by the mortgage company but they reported a late payment for that month, XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was purchasing XXXX 's XXXX tickets from a person on XXXX. I was on the phone with him and he fraudulent told me he would place the tickets in my XXXX account, he never followed thru with the tickets and I paid them thru XXXX. I am upset because I contacted Wells Fargo thru email/phone to follow up on their end since the transfer deposited it in a Wells Fargo Account. Wells Fargo was unable to give me any information for this person. I wanted to follow up with my local police since fraud was the intent. I can not believe in this day and age that we can not trace this transaction. I have been a Wells Fargo customer for over 25 years and I am extremely upset that this fraud happened to me. I am looking for reimbursement of {$320.00}, because I believe that Wells Fargo should stand by their customers to help that this matter does not happen over and over again to other devoted customers. I followed up with XXXX thru email and only got a response that someone would contact me, and they never called me. I can not believe that this can happen thru XXXX with no repercussions for the person being fraudulent. Please help me in this serious matter. 

____________________________________________________________ XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$320.00} Details Category : Other Outgoing Transfers ____New recipient added You added XXXX as a new XXXX recipient and can now send them money or requests for money. The email address, XXXX, will be used to notify this recipient of any money or requests you send them. 
To receive money or requests, XXXX must be enrolled in XXXX and have added this email address to their profile settings. 

Transactions typically occur in minutes between registered XXXX users. If your recipient is not yet registered with XXXX, the payment is typically delivered within minutes after the recipient completes registration. 

XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 
XXXX XXXX XXXX XXXX All Rights Reserved XXXX Dear XXXX XXXX XXXX Thank you for contacting XXXX XXXX Support. 
We will get back to you within 2 business days. 
For future reference your case number is : XXXX Regards, XXXX Consumer Support XXXX XXXX XXXX XXXX XXXX XXXX. All rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I tried the Experian on-line tool to FREEZE my credit XXXX XXXX XXXX XXXX times. I have excellent credit. XXXX times I entered the the correct information and thrice it says they are unable to freeze my credit and to send hard copies of information by certified mail to their mailing address in XXXX, Texas. They were charging me {$10.00} and I entered my credit card information for payment. WHY ARE THEY MAKING IT DIFFICULT TO FREEZ MY CREDIT. THERE IS NO REASON FOR ME TO MAIL CERTIFIED FOR FREEZING MY CREDIT IF IT CAN BE DONE ON-LINE. THIS IS ABSURD AND UN-AMERICAN!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems Refuses to remove an item off my credit report after I notified them of identity theft and fraud : I have also reported this with law enforcement and with the federal trade commission. I do not owe National Credit Systems and I am requesting that all information from national credit systems be blocked and or removed from my credit reports. 

This has directly impacted my job and living situation and I will be suing for damages if this is not rectified.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Bank account or service

After filing a formal comlaint with your organization concerning following banks for runing a Hard Inquiy on my credit report, ( 1 ). XXXX, ( 2 ) CitiBank NA, XXXX have failed to ensure permiissible responsibility/ purpose in accord ance with the Fair Credit Reporting Act. Moreover, these antity has failed to provide me with authentic data that I granted the permissions.
Product: Student loan

At the end of XXXX, I reached out to Navients collection department to pay off the balance of a settlement I had been paying off monthly since XX/XX/XXXX. I was informed the remaining balance was {$3400.00}, to which I responded I would like to pay it in full. The payment was authorized electronically during this call and I asked how long would it take before I would receive a letter staying the account had been settled. I was informed it would take about 30 days for the letter to be sent to me. The payment of {$3400.00} was withdrawn from my account on XX/XX/XXXX. Sometime in XXXX I called to follow up on the settlement letter I was informed I would receive during the call in XXXX. At this time, I was told it should take 60 days to receive the settlement letter. At the end of XXXX, I still had not received my letter, which at this time was beyond the 30 then 60 days I was told it would take to receive the settlement letter. It was during this call I was informed that according to their records I had not paid this balance in full and still owed a balance. I asked how this happened seeing as I was informed by a Navient employee of what the balance was. They were unable to provide me an answer to why I was not provided the appropriate balance when I called in XXXX to pay off the loan. I then asked to speak to a manager who informed me that Navient had been changing over their systems and my account seemed to have been one of the accounts that was lost in the transition. He reported he could see there was a payment but it is in limbo because of the system being upgraded and should update within a week. He reported he would put in a ticket to have this issue escalated. I called about a week later and a couple other times in XXXX to follow up and was still being informed the issue was not resolved. At the end of XXXX around the middle of XXXX after having called Navient a few days prior and being informed the issue was still not resolved. I received a letter stating they received the final settlement payment of {$3400.00} on XX/XX/XXXX. This is inaccurate as they should have received the payment on XX/XX/XXXX according to my bank statement. I called to have them update this in their system to align with when the payment was actually made and received the same letter about a week later stating the final payment was received on XX/XX/XXXX. I would like this to be updated to accurately show when the account was actually settled, which is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : BK OF AMER XXXXXXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-C form.
Product: Debt collection

I received several message from XXXX at Clearview Resolution Services asking me to call him back by a certain time regarding case XXXX. I called left a message for him, telling him I am not the named person for whom he was calling ( asking for a XXXX, I am not a XXXX ) and he never called back. Today, I received a message from XXXX from XXXX threatening to serve me at a specific address or the place of work. He continued telling me that I needed to " sign '' for the paperwork or legal action will be taken. I have no clue what they are talking about nor do I care.
Product: Mortgage

I was approved for a modification and had a trial payment for 3 months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. We paid on time and was told that in XX/XX/XXXX it would start new arrangement of a lowe payment and we would be given a XXXX reduction after 3 tears of timely payments We paid we disbursed our tax amount they had asked because it was took much they were charging us double for escrow and so I 'm may we called weekly no documents and in XX/XX/XXXX we called weekly still no documents I was advised to wait and not make any payments to hold it a man named XXXX a manager XXXX and still today XX/XX/XXXX still no documents I paid the trial 3 payments they said they are waiting for lender to sign I am worried they are doing something sneaky we were told we were approved for a hamp tier 2 please help XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Incorrect Personal information on my credit report.
Product: Bank account or service

Issue : 1. On XXXX/XXXX/2016 Bank of America charged me {$35.00} OVERDRAFT ITEM FEE FOR ACTIVITY and 1 week after, on XXXX/XXXX/2016 they charged me a second {$35.00} fee for the same overdraft, and they called it an " Extended Overdrawn Balance Charge. 
2. Bank of America informed me about the 2nd overdraft charged to my email address but they said they did not inform me about the first one. 

Desire resolution : Bank of America is charging twice the same fee in a week, therefore they should reimburse me the second fee. 
I have had this account since the year XXXX and I had never had an overdraft. They refused to waive the fees.
Product: Credit card

I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.LVNV FUNDING LLC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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 process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX XXXX, {$360.00} and XXXX XXXX. The following accounts are lost/stolen and have fraudulent charges listed on the accounts : XXXX XXXX XXXX XXXX Visa credit card account : XXXX, XXXX XXXX  Visa credit card account : XXXX.
Product: Vehicle loan or lease

I informed Chrysler Capital I XXXX XXXX XXXX around mid XXXX, I requested a deferment for my XXXX payment, which they granted. But, due to the nature of the XXXX ; I had to have XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX was done in the second week of XXXX. I am currently in XXXX and remain XXXX, until a doctor signs off and gives me the clearance to return back to work. Chrysler Capital is well aware that I work on a XXXX XXXX Thats how I make my livelihood. Because the nature of my work and the layout of the XXXX and the conditions in which we operate ; it is not feasible for me to use crutches or a wheelchair. I called again nearing the end of XXXX to explain XXXX still currently in XXXX, that I would be unable to make the XXXX payment, if they could defer the payment. I was denied, due to being given one in XXXX. Im grateful for the XXXX deferment. However, Im still dealing with this medical issue, something of this seriousness doesnt go away or resolve itself overnight. I was denied because of my payment history which is a poor excuse ; because I have always made my payments on or before its due date, my payment history is current and is satisfactory. I spoke with a representative today ( XX/XX/ ) who even reiterated my payment history is impeccable, but, I was denied a deferment because of my payment history it doesnt make sense. I was given the option of a promise to pay in which I make a partial payment on my XXXX due date, fine, what else am I to do? What they dont understand is ; I have other financial obligations, more important than a car payment that I have to decide between. I expressed to them that if that be the case, I would voluntarily surrender my car, but they want to avoid that. They know that option would be more expensive on their end. I agreed to the partial payment, so it wouldnt stain my credit history and report. But, Im pushed into a corner. Its still going to be difficult to even fulfill that option. I feel Chrysler Capital disregards customer hardships, because they want their money. By any means necessary.
Product: Credit card or prepaid card

I'm reaching out as a consumer in possession of a {$100.00} promotional prepaid debit card provided issued by XXXX ( on behalf of XXXX ) and which I understand is serviced or otherwise held by Blackhawk Network. The prepaid debit card was first issued to me in or around XX/XX/XXXX. The card expired, without my having used any of the stored value, in or at the end of XX/XX/XXXX. I sought a replacement card on XX/XX/XXXX, by calling XXXX, the number listed on the back of the card. A customer service representative told me that XXXX would issue a replacement card that would arrive in 6 weeks. I  never received a replacement card. I called again on XX/XX/XXXX, and was told to wait an additional 2 weeks. ( I was provided with a Case number : XXXX. ) I never received a replacement card. I called again on XX/XX/XXXX, and was told that some sort of " delay in processing and delivery '' of promotional prepaid gift cards had occurred in XXXX that was preventing issuance and delivery of the replacement card. The representative advised me to wait another 2 weeks to receive the replacement card. At this point, more than two months after I first requested the replacement card, I doubt that XXXX can or will issue a replacement card.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 

I also have been making my regular payments on this account. When i call in and make my payments no one has Ever told me that i was late or had a balance past due. If they simply told me this i could have made the payments to get the account current. how is it legal to NOT tell a customer " Hey XXXX by the way you even if you make the minimum payment you are still behind ''. It would be that simple ... .This is UNACCEPTABLE
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several accounts listed on my credit report from a company called wings financial that I believe is a result of identity theft. I have recently reviewed my credit report and noticed multiple accounts from this company i do not recognize, and I have not authorized any of these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.