23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a late notice for my mortgage in XX/XX/year> which I always pay in full every month. When I called on XX/XX/year>, to look into what was going on, it turned out the problem originated from my new insurance policy. I had re-done my XXXX insurance policy in the spring or summer of 2024 to account for a new roof I had installed. Shellpoint still had XXXX insurance policies on the books in my account even though the old one was marked expired according to the rep. I was being charged for both policies for the escrow account. The one that ends with XXXX should have been removed. The rep said it could take 30-45 days to re-run the escrow. In the meantime, I should pay my overdue mortgage amount. I told her I couldnt because I didnt have thousands of dollars lying around. 
I asked to speak to a supervisor, who told me his name is XXXX XXXX. He said he would have an expedited run on the escrow, and it would take a week. In the meantime, he recommended that I pay my XXXX mortgage early to prevent getting more threatening letters and calls. He opened up case number XXXX for the matter. He said he also opened up case number XXXX to make sure my credit score wouldnt be affected. 
I called back on XX/XX/year>, more than a week later. It seemed that nothing had been done on my account. I spent a long time on hold with someone in the insurance department who said after a long while that she got the extra insurance removed from my account. They transferred me back to customer service who assured me I have no late charges on my account, but Im not sure its true. I see on my last statement that I have Total Fees and Charges for {$44.00} and Overdue Payment for {$510.00}. 
The rep also said it would take a couple of weeks to re-run the escrow. It should have been done already per the expedited status I was promised on the XX/XX/XXXX call. I asked to speak to a supervisor again, but I was put on hold for a long time. I had been more than an hour on this call, and I had to hang up and do other things. 
Im writing this complaint to make sure : * The escrow and billing accurately reflect what I owe * That no charges or fees stemming from the companys mistakes are charged to my account * That my credit score is not affected by the companys mistakes. 

I acted responsibly by paying my mortgage on time, early paying to cover for their mistake, and spending lots of time on hold and navigating their phone trees. I would like a letter of apology, also.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cashapp ( Block Inc ) due to indadquet customer service and unfair pratices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measure to prevent and dress fruadon their on their platform, leaving my account vulnerableand unprotected.

Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconveniece and fiancal loss and seek appropriate redress for these violations
Product: Debt collection

Subject : Cease and Desist Harassment Regarding False Brinks Debt Collection To Whom It May Concern, I am writing to address a fabricated debt collection from Zion Debt Holdings regarding a purported non-payment related to a BRINKS account. This baseless claim has now escalated to the level of harassment. 

I canceled my XXXX service years ago due to a breach of contract on their part. XXXX failed to meet their contractual obligations by not contacting my home during multiple alarm triggers. As a result, I terminated the contract, as evidenced by the attached confirmation email documenting BRINKS ' receipt of my cancellation. 

I have already communicated with a XXXX representative concerning this matter. The documents confirming my cancellation, which I signed and returned via email, were provided by them. I adhered strictly to XXXX ' protocol for canceling the service. Furthermore, I have attached documentation of a dispute I filed with my credit card company after XXXX continued to charge me post-cancellation, which occurred in May. It took XXXX nearly a month to provide these documents, further demonstrating their incompetence. 

To officially cancel and close an account with Brinks, their protocol requires sending a digital document through XXXX for me to sign. Which of course I did. As you are likely aware, with XXXX, only the sender of the document has access to view or resend the original document. While I do not have access to the original document, I do have a confirmation email on my end verifying that the account was indeed canceled and closed. This confirmation is attached for your reference. 

XXXX was allotted 90 days to respond to my credit card company regarding the dispute, and as evidenced by the attached documentation, they failed to do so. Additionally, you will find a document dated XX/XX/2022, where XXXX attempted to regain my business by offering discounts. This clearly contradicts the assertion that I was a non-paying customer. It is unreasonable to suggest that a company would actively seek to retain a customer who allegedly had outstanding debts. 

I followed all necessary protocols to terminate my service with XXXX, and their continued incompetence in handling this matter is unacceptable. I have notified XXXX, XXXX, XXXX, and our family attorney regarding this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Product: Prepaid card

Card worked fine 3 weeks ago. Then tried again and was declined for transactions under {$1.00}. Went to check balance on their website and receive a message that says system error or card invalid. Called them and they gave me the same information technical difficulties. I asked if I could get a list of transactions and repeated they are having technical difficulties to check back in a few days. Was relying on this card for food for my kids. Card is not working and I'm out money so sad these mega corps can reap these profits and fraud the american consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

( NOTE : I LISTED THE WRONG CREDIT CARD CO. NAME ON MY PREVIOUS COMPLAINT ID XXXX ). CORRECTION BELOW. 
XX/XX/20 : CITICARDS CBNA ( CITIBANK ) IS  REPORTING OUTDATED XX/XX/20 INFORMATION TO XXXX & ALL CREDIT REPORTING AGENCIES. THIS IS THE ONLY CREDIT CARD COMPANY WHO REPORTS OUTDATED INFORMATION. WHY???
Product: Student loan

My granddaughter secured a private student loan from Discover in  XXXX in the amount of {$12000.00}. I am her grandmother and a co-signer. In the spring of XXXX, we started paying back the loan in the amount of {$130.00} monthly. My granddaughter does not make payments in time however, Discover does not charge late fees. I have got her up-to-date a few times but this week, I got a payment stub and began looking at the entire loan history. Loan was for {$12000.00} ; says total paid has been {$6100.00} ; total principal amount is {$2200.00} ; current balance is {$11000.00}. That reflects a decrease of only {$500.00}. How are we ever going to pay off this loan if in a approx. 4 year period, only {$500.00} has ACTUALLY been applied to the principal? I have tried to get Discover to explain how payments are applied but get no satisfaction. I think they are charging interest upon deferred interest upon daily interest, etc. I need to know if what they are doing is perfectly legal and how my granddaughter can get this loan paid off knowing that only pennies are going to decrease the loan amount.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX  XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXXXXXX Account XXXX Balance Owed : {$900.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete from my Credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

In XX/XX/XXXX we requested to be set up on bi-weekly payments and auto draft our mortgage payment. After multiple calls between XXXX and XX/XX/XXXX for the mortgage company to have me fill out the right forms as they kept sending me the wrong forms, we finally received confirmation that our account was set up for bi-weekly payments ( attached ). In XXXX, when a bi-weekly payment was not drafted out of my account we called the bank again and they said that we needed to make a payment before the first of the month so it was paid in full and that it would start drafting in XXXX. We followed these instructions, it did not draft again in XXXX. In XXXX, we called and were told in order to have this draft bi-weekly payments we needed to pay 2 months of payments and if we did this, it would start drafting bi-weekly starting in XX/XX/XXXX. We made a 2 month payment on XX/XX/XXXX. XX/XX/XXXX and still no bi-weekly draft. After three calls to the mortgage company between XX/XX/XXXX-XX/XX/XXXX we have still not been able to get an answer as to why this is not completed, we have bee told it is a drafting issue with the bank, also been told we need to make another 2 month payment again. We have requested to speak with a supervisor on 2 occasions and have been told they are unable to transfer us and will leave a message. We have still yet to receive a call back from a supervisor to have our issue resolved. 

This has not only been a poor customer service experience but we are now approaching 9 months of paying additional interest on our mortgage that would have otherwise not been incurred had we been on bi-weekly drafts. As you can see from the letter they mailed us, we were clearly told that we would be signed up for the program and that payment would be automatically drafted, neither one of which has taken place. We can only assume that this over complex process and conscious decision not to draft the payments as promised is a strategy to collect additional interest from us. 

Our request is to resolve the auto/bi-weekly draft issue and receive a credit for overpayment on interest effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed again in my equifax credit report that I have a formerly name as XXXX XXXX I never had any formerly name my entire life as my my real name so this so called formerly name should be removed from my credit report as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. 

Experian, XXXX, XXXX and their executive branch, the XXXX XXXX XXXX XXXX, which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. 

How XXXX  XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. 

This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. 

WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by Experian. Or XXXX. 

I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. 

So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. 

Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. 

This criminal cartel must be SHUT DOWN!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc . ) due to the inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ) pacifically, cash app fail to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. furthermore of their dispute resolutions process was unfair and deceive as they did not comply with the error resolution requirement under the electronic funds transfer act and reregulation E these actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 was unfeasible. The CFPBs 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 serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also 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 have attempted to contact XXXX XXXX via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company.
Product: Credit card or prepaid card

I paid my full credit card balance on XX/XX/2020. When I pulled my credit report in XX/XX/2020, it was still reflecting that I have a balance of {$140.00}
Product: Checking or savings account

My name is XXXX XXXX. I am baking with M & T bank, with the branch located in XXXX, PA. A month ago on XX/XX/2018 I went to the ATM next door to the banks branch to try to deposit money. After putting a {$50.00} bill inside of the ATM, the ATM spit out a receipt wasting error on it. Without giving me my {$50.00} dollars back. I called the offices of the bank and told them what happen. They on return gave me my money back which appeared on my card on the XX/XX/2018. Now today over a month later XX/XX/2018as I am preparing to go home from college for summer break, I check my account and its the {$50.00} have been taken out. When I called them bank they told me my dispute has been denied stating that they wont investigate any further and how it may be possible that someone could have gotten the {$50.00} on there card if they came into the place after me. After basically agreeing to this the told me they wont investigate no one else card because no one else filed a dispute. I mean of course no one will file a dispute if extra money appeared on there card. They also told me they viewed the cameras and couldnt see what I was doing on the ATM Machine. Which is outrageous because what is the use of the cameras. They told me they wont give me my money back and wont investigate any further. Although {$50.00} May seem like little money to be complaining about losing, I am a student who is struggling and need that money to get home. I am also a customer with this bank and for them to not help with finding my money because it benefits them is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma, XXXX, and XXXX, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or click bait is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from fair-credit karma guarantee, and or outstanding, Good, and Excellent. Example : All XXXX card require that your application for a credit card be your first or second hard hit, if you have two hard hits and apply for any XXXX card you will automatically be denied. I have 5 hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or 4.8/5 stars matched for you? How when I have 5 hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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.

Please remove this account from all my credit reports as soon as possible.