23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected further more their dispute resolution process was unfair and deceptive as they did not want to comply with error resolution requirements under the electric fund transfer act ( EFTA ). 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

This is my last time sending your company this letter in regards to these accounts I sent a letter XXXX XXXX ago, I noticed these accounts that are fraudulent are still reporting. please check your record of my past dispute letter.
Product: Mortgage

in less that 6 months after closing my home loan the servicer, due to a typographic error, thinks my property taxes have went up XXXX fold. I called and asked for a recalculation, the agent on the phone could see the payment they had sent for the half was only {$150.00} dollars ... not the XXXX thart they were projecting ... so they decided to raise my payment by {$270.00}. I have had this loan less than 7 months. there is NO way that the underwriter, QA department ( as my loan was selected for review ) and the closing title company were all wrong on my taxed by 10 times!!! they now refuse to lower my payment to what it should be, as they claim that I am not getting any type of reduction ... you can clearly go on the auditors page and see that my second parcel is charged XXXX not XXXX now with less that 14 days before my payment is due.. they want me to wait 3 business days for a manager to call me back ... and refuse to recalculate my payment based on fact
Product: Credit card or prepaid card

I ordered an XXXX XXXX XXXX {$530.00} from XXXX on XX/XX/XXXX. The XXXX came completely damaged box console everything and i went to return it. XXXX banned my account and said i could not return it even though it's in my right through policy but with the ban i could not. They told me to contact my Finacial institution, which they did absolutely nothing contacted filed on XX/XX/XXXX same day i received the package and ended in XXXX about the XXXX with them just saying " need proof XXXX issued refund '' which makes no sense i was willing to return it.
Product: Credit card or prepaid card

This is my second complaint against Chase. My original has been closed, the case # for reference is XXXX. In their response which I have attached below, they claimed again that we have not been in communication with them. Which as we proved in that case as untrue. Prior to filing the first complaint, we emailed, mailed and faxed ( from a Chase bank service location ) all of the documentation that said we never provided. That documentation was also in the original complaint which they clearly did not read. Since that original case was closed on XXXX we have called the phone number they provided in the letter twice a week, every week. No one has ever picked up, and no one has ever returned our call. These are DECEPTIVE practices and we want to speak to someone immediately and acknowledge the receipt of the documentation we submitted SIX times ( three times by email, twice by fax, and once by mail )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 XXXX states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get XXXX, Equifax, and XXXX to correct multiple erroneous accounts that they have attributed to my credit file. I recently submitted a FTC Complaint to them in an attempt to resolve this ongoing issue. I've yet to receive a remedy that will correct this issue. Now I am reaching out in order to get this resolved and get these erroneous accounts that are listed on my file removed. I want all these accounts removed from the various reports at XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) regarding an issue with my account. I believe this account has been reported incorrectly and should be investigated and removed. This misinformation is adversely affecting my credit score. The details of my complaint are as follows : XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Hotel reservation for {$700.00} made with my CITI Bank credit card on XX/XX/2020. Several days later cancelled the reservation in accordance with the hotel policy as my travel plans had changed. I initially filed a dispute on the charge with CITI as the hotel said they could not refund my credit card. I subsequently cancelled the dispute as the hotel promised instead to refund the money to a checking account. After a month it was evident they were not going to do this either, so I called CITI to reopen the dispute. CITI told me the dispute could not be reopened since it had been closed. I asked their dispute department to contact me and they have not done so. This dispute should be reopened and investigated by CITI Bank.
Product: Debt collection

The company attempted to sue me without providing proper validation for a debt they claimed I owed to another company. I went to court and there was a judgement filed. The judgement was was Dismissed with Prejudice and I want it removed from my Credit reports as a collection account.
Product: Credit reporting or other personal consumer reports

I went to open a business account with the J.P. Morgan Chase on the date of the reporting and now Ive discovered an inquiry that was definitely unauthorized.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * XXXXXXXX XXXX XXXX Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 70 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 70 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was shopping at XXXX  clothing store. I got a discount that day if I got the company credit card. 
After having this account for only XXXX months they kept charging my account late fees. After calling Comenity Bank on XXXX separate occasions and customer service removed late fees. In fact the late charges were never removed. Instead they kept charging late fee on fees that were supposed to be removed. Please help solve this problem. 
I called Comenity Bank the last time XX/XX/2023 and closed my account with a XXXX balance. Comenity Bank called me XX/XX/XXXX about my account that I closed previously. They said I still have a balance Please stop these scammers and fraudulent charges.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX apt XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Apt XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX XXXX XXXX apt XXXX XXXX Tx XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX Please investigate and remove XXXX from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

these items are on my credit report and are invalid PLEASE DELETE this ITEMS PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My account was disabled when I became behind on payments due to XXXX pandemic which prohibited me the consumer, the natural person to make any payments, this company was opposed to accepting a debit card payment as well. I the consumer did not opt out of having my statements mailed to me, I have not received any statements via mail as requested. I also called several times to let the company Nissan Acceptance and Infiniti Finance Services to ask for assistance with helping me in making the payments to keep the car. I asked Infiniti Finance Services to work with me. Ive called to try to collect my personal belongings from the vehicle after repossession. I also did not give written consent to Associate Asset Recovery nor Nissan Acceptance Corporation nor Infiniti Financial Services to tow my car to any location. I never gave written consent for my personal and private information to be sold by these companies for their personal gain. Federal Violation pursuant to 15 USC 1692 ( 6 ) ( A ) XXXX XXXX XXXX was not given written consent to tow nor reposses the vehicle and they are holding my personal belongings hostage. I have called to make an appointment to collect my personal belongings from XXXX XXXX XXXX, with no answer and results.
Product: Credit reporting or other personal consumer reports

Dear Factor Trust XXXX XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

- Creditor : XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$370.00} I recently received your correspondence dated XX/XX/XXXX. This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 
Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : *Original creditors full name and address *Date your company purchased said debt *Amount you paid for said debt *Date of last activity/payment, if any This is an official request for validation of debt, should you be unable to provide such proof and continue to report negatively against my credit, I will take action. Be advised also, that while an account is in dispute you must place the rating on hold. Continuing to report a disputed debt is a direct violation of the FCRA and will not be tolerated. 
Please provide Awaiting your information. 

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

I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name
Product: Credit card

Case : XXXX XX/XX/XXXX letter to me, thanks for letter Again my gripe is I can not communicate by email to Capital as never is there an email to me, it is only ONE WAY communication ( Capital to me ) so I must go thru cfpb to get to Capital One I have previously sent NOT FIT TO FLY and some hospital and doctor bills I have had treatment of XXXX XXXX XXXX XXXX XXXX  and several doctor comsutations along with meds and all invoices I can send complete full invoices if asked XX/XX/XXXX XXXX XXXX to XXXX has been refunded by XXXX ( platform bought flight going ) XX/XX/XXXX is XXXX to XXXX {$150.00} ) on XXXX for return trip Let me know if you need all documentation to XXXX
Product: Mortgage

SLS Loan XXXX XXXX XXXX XXXX I am reaching out for assistance as my home is in foreclosure. I am diligently trying to sell the house in order to relocate as it has become unaffordable for me on my XXXX income. 

I have owned this home since 1996 and have struggled in years past to keep up with the payments on my reduced income. Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to return to my full time position and had to seek XXXX. 

My property is currently listed for sale with XXXX XXXX XXXX XXXX  XXXX XXXX and is actively being shown, but no offers as of yet. 

I have asked my servicer for hardship assistance but they will not offer any plans as I have equity in my home. So I am forced to liquidate. 

Due to the equity I feel the servicer will try to take the house from me through a foreclosure leaving me penniless and homeless. 

I am just asking for any and all foreclosure proceedings to be halted while I work to get sold. The equity from the property is all I will have to live off of and is needed for me to move forward. 

I am agreeable to a temporary forbearance of 4-6 months and can remit $ {$1700.00} monthly while the house is being marketed. 

Please help take action so that I can properly sell the home, payoff my debt and retain equity proceeds needed to find another place to live. It just wouldnt be right to have this equity stripped from me through a foreclosure sale when I am actively trying to resolve.
Product: Mortgage

Drear sir I am writing this complaint for my margate approval that took few months and finalized and send for my review and spouse to close in two days suddenly on last moment I received a call the bank dont want to do the loan we waited for few months bank review everything the told me everything is fine be ready for close out we finished all inspections paying for insurance selling all off my personal items boxing all the products and giving my notice to my rental landlord then suddenly hearing a disaster news it was very hard broken for us that is not a fair practice before I do any thing I will write a latter to office of bank presidency and explain everything hope fully before everything escalated too big you reconsider to close the loan I already know your already close a loan in that facility I would appreciate if you let me know which way I need to go. 
Thanks XXXX XXXX Loan number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section ) also states a consumer without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a monthly payment to Lending Club on a installment loan for the monthly installment amount of {$190.00}, within the 30 days, and the company reported me 30 days late for a late fee. I think the late fee is {$15.00}. I have made payments to this company for the last 27 months and have never missed a payment, even through some rough months. I was n't aware of being able to be reported 30 days late on a installment loan, as long as you paid the regular monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against FIRST INVESTORS SERVICING regarding an auto loan for a XXXX XXXX XXXX that is erroneously being attributed to me. I firmly believe that I am not financially responsible for this loan, as it was explicitly assigned to my ex-wife as part of our divorce settlement. 

To provide some context, my ex-wife and I finalized our divorce on XX/XX/XXXX. During the divorce proceedings, the division of assets and liabilities was meticulously examined and agreed upon. The auto loan in question was explicitly included in the division of liabilities, with my ex-wife assuming full responsibility for its repayment. 

However, despite our divorce decree clearly outlining the allocation of debts, FIRST INVESTORS SERVICING continues to hold me accountable for the auto loan. I have made multiple attempts to resolve this matter directly with FIRST INVESTORS SERVICING, providing them with the necessary documentation and legal evidence to support my claim of non-liability. Regrettably, these efforts have been met with indifference, resulting in continued demands for payment and negative reporting on my credit history. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation and ensure my rights are protected. Specifically, I am seeking the following actions : Removal of negative credit reporting : I request that any negative information associated with this loan be promptly removed from my credit report, as it inaccurately reflects my financial responsibility. 
Cease and desist all collection activities : I insist that FIRST INVESTORS SERVICING immediately cease all collection attempts related to the auto loan in question, as it is not my liability and continues to cause unnecessary distress and inconvenience. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to rectify the unjust treatment I have endured. I am confident that with your intervention, this issue can be resolved in a fair and just manner, relieving me of any unwarranted financial obligations and protecting my consumer rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my financial integrity. 

Sincerely, XXXX XXXX