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

I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, for their blatant disregard of my repeated requests to investigate and remove inaccurate information reported on my credit file. Despite providing substantial evidence, including proof of residence for the past 10 years, a valid driver 's license, utility bills, leasing agreements, and a police report, XXXX has refused to take the necessary steps to rectify the inaccuracies in my credit report. Their dismissive response, in the form of a generic email claiming that they do not believe I submitted a request for investigation, is both unprofessional and unacceptable. 

The following issues that XXXX has refused to investigate are as follows : Inaccurate Address Information : I have provided extensive documentation to establish my residency history over the past decade. This includes leasing agreements, utility bills, and a valid driver 's license. Despite these clear proofs, XXXX has failed to update my address information accurately, leading to discrepancies in my credit file. 

False Delinquency Report : XXXX has erroneously reported a delinquency on one of my accounts, which is completely unfounded. I have provided all relevant evidence, including payment receipts, bank statements, and correspondence with the creditor, demonstrating that the account is in good standing. However, XXXX has chosen to neglect this evidence and maintain the false delinquency entry on my credit report. 

Identity Theft Concerns : I have provided a police report documenting a case of identity theft that resulted in fraudulent accounts being opened in my name. Despite the seriousness of this matter, XXXX has failed to conduct a thorough investigation and remove these fraudulent accounts from my credit report, thereby compromising my financial well-being and creditworthiness. 

I have made numerous attempts to resolve these issues directly with XXXX, providing them with all the necessary evidence and documentation. However, their inadequate response and refusal to take appropriate action have left me with no choice but to escalate this matter to the Federal Trade Commission, the regulatory authority responsible for overseeing credit reporting agencies. 

I kindly request that the Federal Trade Commission thoroughly investigate this matter and hold XXXX accountable for their disregard of my rights as a consumer. Additionally, I urge the Commission to take appropriate measures to ensure that XXXX rectifies the inaccuracies in my credit report promptly and provides me with a written confirmation of the corrections made. 

Enclosed with this letter, please find copies of all correspondence between XXXX and myself, including the generic email response, as well as the extensive evidence I have provided to support my claims. 

Thank you for your attention to this matter. I trust that the Federal Trade Commission will take the necessary steps to address this complaint and ensure a fair resolution.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On the morning of XXXX XXXX, XXXX at XXXX EST I missed a phone call from the number XXXX. At XXXX EST, I returned the call. XXXX answered and did not mention what company he is with. And continued to withhold the company information so that I could understand who was calling. He then stated that I owed a debt from XXXX and the amount owed of roughly {$250.00} from XXXX XXXX. I then stated that I currently did not have the funds but I am however looking to pay off my debts as soon as I get money to do so. He then said " XXXX XXXX is looking to get this handled within the next 2 hours or law enforcement will be sent to arrest you this afternoon ''. I told him that there was nothing that I can do right now. He then stated, " Well if you cant pay it now, I will go ahead and send over your information to have you arrested. Goodbye ''. 
I called XXXX back at XXXX EST. He answered and I said " May i speak to XXXX ''. His response was " Who is this? '' I stated my name. He then said " XXXX XXXX, I dont know why you are calling me back. You said you cant take care of the debt. Please do not call me back if you are not looking to pay. I wish you the best of luck, '' As he is laughing on the phone. I called back once more to simply get the company information so that I can have it for future reference. Another man answered the phone and gave it to me as he also stated that the debt owed was {$130.00}. A completely different number from what XXXX said. I explained to him that I could not pay it and that I would like to speak to XXXX because I feel that he was very rude and unprofessional. He transferred me to XXXX. He answered and stated " Stop calling if your not going to pay. '' Then hung up. 

XXXX violated my rights under the Fair Debt Collection Practices Act numerous times by stating false debt amount owed and also threatening to gave me arrested within the day of XXXX XXXX, XXXX. 

Under the FDCPA, it 's against the law for a debt collector to ( among other things ) : use threats of violence or harm use profane language tell you that you 're subject to arrest or imprisonment if you do n't pay your debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with SYNCB/PPC was never late! I have had exceptional payment history with SYNCB/PPC a

nd 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 Feb 2024 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.

SYNCB/PPC Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Nationstar mortgage refuses to adjust the value of my home that they have on file to match the original appraisal value indicated by the original purchase documents and the original appraisal. I 've provided the original assessment conducted when the home was purchased to show that the home value was appraised at XXXX rather than the incorrect and improper XXXX that they have on file.
Product: Mortgage

WELLS FARGO EXECUTIVE CASE SPECIALIST : " XXXX XXXX SUBMITTED A FALSE LETTER DATED XX/XX/year>, IN VIOLATION OF A CEASE AND DESIST ORDER. THIS LETTER IS LACED WITH FALSE INFORMATION PROVIDED TO THE CFPB ( A GOVERNMENT AGENCY ) OF WHEN MY MONTHLY MORTGAGE IS DUE, ALONG WITH WHEN THE MOST RECENT ELECTRONIC SUBMISSION BY WELLS FARGO FOR THE MONTH OF XXXX XXXX4 OCCURRED. ALL APPLICABLE DOCUMENTATION HAS BEEN INCLUDED WITH THIS COMPLAINT. 

NEXT, EXECUTIVE CASE SPECIALIST, XXXX XXXX ACKNOWLEDGES THAT WELLS FARGO HAS A CEASE AND DESIST ORDER ON FILE, BUT CHOSE TO IGNORE THIS ORDER. WHICH IS ANOTHER VIOLATION. THIS ALONG WITH A PHONE CALL FROM A CASE SPECIALIST NAMED XXXX XXXX XXXX  THAT SAID TO ME THAT BECAUSE I FILED A COMPLAINT WITH THE CFPB, THIS GIVES WELLS FARGO HOME MORTGAGE TO CONTACT ME VIA TELEPHONE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Vehicle loan or lease

I called Thrift Investment Corp. on XX/XX/2019, and spoke with a man by the name of XXXX and explained to him the reason for my call. I told him that the contract states the cost of the loan is {$820.00} for 21 months. I told him that if you divide {$820.00} by 21 months, it should cost me roughly {$39.00} per month in interest. I spoke with another representative earlier in the day and was told I am being charged {$2.00} per day. I told him If you calculate {$2.00} per day for 30 days, that comes up to over {$60.00} per month, and if you multiply {$60.00} per month times 21 months, it will be well over {$820.00}. He said that's not how they calculate interest. He said you start off paying more in interest and then later on you will pay less as the balance of the loan goes down. 

He then told me to XXXX amortization and read about it. I told him I didn't want to XXXX anything. I wanted him to explain to me why the contract does not state that interest would be paid in higher amounts in the beginning and then reduced later on. He then said " I am not here to teach you ''. After being totally shocked at his response -- I asked him to send me a schedule showing how much interest I will be paying each month over the life of the loan so I can know where the money is going to, ( principal v. interest ). He said " I don't have that ''. I then told him I would contact Consumer Affairs and perhaps they can get the information I am seeking. He said in a very sarcastic tone " good luck with that ''. 

I believe I have the right to know the breakdown of my monthly payments over the life of the loan -- how much is going towards the principal, and how much is going towards the interest. I don't know if they take out the majority of the interest within the first few months so that if the loan is paid off early -- they will have collected the majority of their finance charge. I do feel they are obligated to provide me with the breakdown of my payments, ( principal v. interest ), over the life of the loan. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated.
Product: Bank account or service

Navy Federal Credit Union charged me XXXX ( ~ {$15.00} X XXXX ) for a credit report that other mortgage originators provide at no cost.
Product: Checking or savings account

Between the dates of XX/XX/XXXX XXXX 2021 I had a series of XXXX charges, that were not authorized by me. The total of which was {$230.00} My phone had been stolen and someone used my account. I filed the claim with my bank BBVA and showed them how I used XXXX very little before and after these charges. The bank has stated that XXXX provided them with proof that these were intact legitimate charges. When I asked what proof there could be, the bank stated that they could not provide that information.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I am writing to formally complain about a recent unauthorized charge that was placed on my credit card account and the subsequent handling of my claim. I have been a loyal customer of Chase Bank for several years and hold multiple credit cards with their company. 

The details of the fraudulent charge are as follows : Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX XXXX  : {XXXXXXXX Upon discovering the fraudulent charge, I immediately contacted their customer service department and flagged the transaction as fraud. Despite my long-standing relationship with Chase and my prompt action to report the fraud, I was informed that the claim was dismissed on the grounds that I might know the merchant. This reasoning is unfounded as I did not authorize this transaction, nor do I recognize the charge. 

I spoke with a XXXX, XXXX, who assured me that she would look into the matter and get back to me by Tuesday of the following week.. However, that day has come and gone and I have not received any follow-up or resolution. The charge remains on my account, and I am being held responsible for an amount I did not authorize. 

I respectfully request the following actions to be taken : 1. A thorough review and investigation of the fraudulent charge. 2. Immediate removal of the fraudulent charge from my account. 3. A written explanation of the steps taken to address my complaint and prevent future occurrences.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts : XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XXXX To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy. 
If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX : XX/XX/year> Enclosures : FTC, ID, Proof of Address, SSC
Product: Student loan

This is my second complaint against Edfinancial. I changed my bank information, updated my autopay information immediately, and even made a manual payment before the due date for the amount due to make sure all was correct. They attempted to withdraw from my OLD CLOSED ACCOUNT. And told me that I was " overdue '' even though my new bank account reflected the correct charge was taken out and cleared from the bank!! Edfinancial will not respond for months on end, they are impossible to reach via customer service emails, chats and phone calls. I am not the only one with the issues here either. They just don't want anyone having the 0.25 % discount on interest for automatic payments. It has been months and a majority of their borrowers are suffering. I don't think they realize that these supposed " late payments '' hurt our credit scores! And our cosigners ' credit scores! This should be illegal. We have no issues contacting a lawyer if we do not get a timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I learned that my Mortgage note with XXXX XXXXXXXX XXXX  had been sold to Rushmore Loan Management. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called Rushmore to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection to XXXX, XXXX, and Experian that is not valid and is violating my rights as a consumer, 15 USC 1692g
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of the accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX  XXXX XXXX Account # XXXX Account name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 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. Also States A consumer reporting agency can not furnish my 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 record 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 if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Services is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of 2020. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent Ally a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX and XXXX removed the dispute immediately. XXXX stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both XXXX and Ally Financial Services to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.
Product: Debt collection

To whom it may concern, one of the Major Credit Bureaus Equifax exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against Equifax as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX  : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the Equifax data breach.