23daVinci/CFPB_Complaints huggingface dataset:
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 not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial redress for these violations.
Product: Checking or savings account

I can appreciate the bank letting me overdraft at times to cover some of my bills but I think double and triple fees on the same over draft can be over charging a consumer I
Product: Mortgage

I am trying to cancel PMI as I have paid my Mortgage down early to an 80 % level and I 've never had a late payment. My Mortgage company ( US Bank ) wo n't let my cancel it as I 'm advised I need a BPO to prove my home value has n't decreased since I bought it. The BPO is n't a requirement of the Federal Government, but US Bank is telling me it is. This is my problem, I know they can unfairly do this to me so I am forced to keep PMI or pay them more money. They probably know that the value of my home has dropped since I bought in in 2008 and since then have never had a late payment. However, if I pay XXXX dollars for a BPO they can then show I 'm not really at the 80 % value they want AND they are trying to advise it 's the Government that is making this decision when it is their choice. This is unfair and deceptive practice.
Product: Debt collection

Dispute Letter to Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Fair Debt Collection Practices Act ( FDCPA ) Violation by [ Collection Agency Name ] Dear CFPB, I am writing to file a complaint against LJ Ross Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). 
Account Details : Account Name : XXXX XXXX Date of Last Payment : no payment ( statute of limitations in New Jersey ) Nature of Complaint : LJ Ross Associates has placed a collection account on my credit report without following the proper procedures outlined in the FDCPA. Specifically, they have violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : I have not received any written validation notice detailing the debt and my rights to dispute it.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given a chance to dispute the validity of the debt before it was reported to a credit reporting agency.

12 CFR 1006.34 ( d ) & 15 USC 1681-s-2 ( 7 ) ( A ) : The collection agency has furnished an account to a credit reporting agency without providing the required disclosures by law.

These actions by LJ Ross associates constitute a violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means.

Request for Relief : I request that the CFPB investigate this matter and take appropriate action against LJ Ross Associates. This action should include : A requirement for LJ Ross Associates to remove the negative information from my credit report.

A requirement for LJ Ross Associates to cease all communication regarding this debt until they comply with the FDCPA.

I have attached copies of any relevant documentation, such as communications from the collection agency or my credit report ( with the disputed information highlighted ).

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX Enclosures : Communications from Collection Agency Credit Report ( with disputed information ) Collections : L J ROSS ASSOC Details Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Amount Owed {$1200.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date N/A Closed Date N/A Resolution -- Current Status Account information disputed by consumer Action History No Actions Taken L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am requesting for the company to do what is equitable to me as the consumer that is the result of identity theft by removing the following information reporting to my credit file : XXXX XXXX XXXX XXXX on XXXXXXXX XXXX
Product: Debt collection

I have sent several request requesting Validation of an account on my consumer report. National Recovery Act XXXX, XXXX,XXXX. I've sent letters requesting Validation to XXXX XXXX, XXXX and XXXX. XXXX and XXXX could not validate the account pursuant to 15 usc 1692g therefore accounts were removed/deleted from XXXX and XXXX reports . National Recovery could not send validation pursuant to 15c usc 1692g so accounts are still reporting on XXXX. How is it that the accounts could not be validated via the other Repositories but yet XXXX is still reporting this false and misleading information on my consumer reports. 

XXXX Is in fact in violation of 15 use 1681b-Permissible Purposes on consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, the Consumer never gave XXXX consent to report National Recovery Agency on my consumer reports. 

In fact, since failure to comply with the validity of this account. Account needs to be XXXX XXXX  and removed from my consumer report. 


XXXX also is in violation of 15 usc 6802-OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. The sharing of my information and communication with any person other than the consumer, without consent of the consumer is a violation and infringement on consumers right to privacy.
Product: Payday loan, title loan, or personal loan

Requests for company to cancel installment loan for merchandise/product not received. 
Numberous requests via phone and email without resolution
Product: Credit card

On XX/XX/year>, I made three transactions on my U.S. Bank Smartly Visa Signature card. One was to VA for {$1600.00} ; One was to XXXX for {$6.00}. On XX/XX/year>, I made a purchase with XXXX for {$160.00}. All transactions were linked to a statement dated XX/XX/year>. 

Despite all other transactions on the same statement earning at the correct 4 % ( 2 % base, 2 % bonus ) level, these three only earned 3 % ( 2 % base, 1 % bonus ). A picture of the three transactions and rewards earned is attached. 

{$36.00} is missing in credit that needs to be added to my account to reflect the 4 % rewards level for the three transactions in question. 

I qualify for the 4 % rewards level as I have the required assets ( XXXX ) in a linked brokerage along with savings and checking accounts. All transactions preceding and following these three earned at the correct rate ( 4 %, or 2 % base and 2 % bonus for the assets ). 

I called U.S. Bank 5-6x in total over several weeks trying to resolve the issue by getting the missing rewards credited to my account. For the initial first call or two, I was simply transferred to a person who filed a report requesting an appropriate department research the three transactions with the incorrect rewards earning amount. U.S. Bank said the research and resolution would take a month. After following up, I was told a letter was dispatched with an answer on XX/XX/year>. No change in rewards was ever made. 

On XX/XX/XXXX, I received the letter. It was a generic boilerplate letter letting me know about the U.S. Bank Smartly Visa Signature 's rewards structure. It is attached as a picture. 

NOTHING was mentioned about my three transactions, any research findings, nor results. I was not told why these three transactions in particular only earned at 3 % when everything else earned correctly at the 4 % level. 

I'm quite disappointed in U.S. Bank, having to take this course of action. Their system is incapable of resolving this matter to my satisfaction. They are incapable of addressing an error nor telling me why the error occurred.
Product: Payday loan, title loan, personal loan, or advance loan

I called about my account showing past due. I have made a full payment every 2 weeks and skipped one payment and was advised my account is 39 days past due, from XXXX. I have paid 3 more payment since that time and was told that it did not matter, if I did not pay 2 payments by the XXXX XXXX  XXXX my account is delinquent and would be reported as such to my credit report. I asked about how payments were being applied and was told this is just how the product work. I asked where I could find where I agreed to this and was told in the lending docs. I have review them all and nothing about not applying payments to the oldest balance. This loan is occurring interest every day. This just does not make sense. I asked to speak with a complaint depth or management, and was told I could email the company and maybe would get a call back.
Product: Credit card

I received multiple messages about receiving a credit card. I requested to be unsubscribed ( even waiting the requested 10 days ), wrote them a letter requesting to be unsubscribed, yet continue to receive emails.
Product: Student loan

I am disputing the past due amount that has been calculated for a private loan. Despite multiple attempts, Navient has declined to explain how they initially calculated the past due amount which now stands at XXXX ( I have brought the amount down with continued payments. ) I am also disputing the recent delinquency placed on the loan. I have continued to make payments on the disputed loan amount due. At no point have I stopped making payments. 

I have not been able to get answers to my direct inquiries to Navient. Rather than answer my requests for verification of debt and clarity of how past due amount was calculated, Navient has harassed me with phone calls and other letters with threats of delinquency and credit reporting to maliciously harm me financially. This is reprehensible behavior given my consistent payment record and the recent events ( weather disaster in state/pandemic ) that have so greatly impacted many individuals like myself. 

I have made consistent and accurate payments on my loans yet Navient has sought to exploit the debt owed on this particular private loan. I have made every attempt to pay, but also have the right to verify that what I am being asked to pay is fair and accurate. 

In an attempt to communicate my desire to resolve the issues with this private loan, I responded to a request in XXXX sent concerning settling the loan for an agreed amount. The letter ended up being false and deceptive. Navient did not respond to my attempt to settle the loan via phone. They then placed the loan in delinquency. 

Due to the deceptive, predatory, and hostile customer service of Navient it is nearly impossible to communicate with them directly. Every attempt that I have made to engage with them directly has always resulted in a negative confrontation. My goal is to pay my loan debt off under reasonable and fair terms based on my loan agreements. Navient is a hinderance to this process. Logging that attempts to contact someone was made is not sufficient evidence to justify Navient 's actions but a way to give cover for their abuse of borrowers by the use of delinquency and credit reporting.
Product: Credit card

On XX/XX/2023 I called this company made the payoff amount of XXXX to pay off this credit card and requested that this account be closed. I was given a confirmation number as well a verbal confirmation that I did not owe this company any more money and my account would be closed. I continue to get up 5-6 phones calls per day from this company trying to collect on a balance of now XXXX dollars of late fees. They are now saying that because I did not close my account on a certain day of the month Im responsible for service fees. Ive tried to explain my situation to several supervisors but no one is be reasonable. Or no one will resceach my conversation back on XXXX XXXX XXXX XXXX in which this company stated they record all calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 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. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous workarounds I was able to retrieve my credit score currently XXXX and even after a number of debts paid. I find this alarming! My score in my opinion should have increased significantly considering unanswered disputes, disputes refuses by credit reporting agency and payments made. XXXX  balances.
Product: Mortgage

On XX/XX/2023 I received a letter from Freedom mortgage informing me that the PMI would be cancelled/terminated. As of now it still hasn't been cancelled. When I contact them they have different people call me back at a later date and i have to explain what happened and they were all able to view the letter they sent me and told me that someone would contact me to clear it up. The next time someone contacted me they no longer had a copy of the letter so I sent them a copy of my letter. I have talked to eight different people and i'm not getting anywhere instead they sent me a letter telling me that I have to pay an appraiser in order for them to evaluate. I am attaching letter from mortgage company informing me that they are dropping PMI, copies of statements showing the charges and the letter telling me i don't qualify when My property value has increased to more then double of what I owe. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT IS BEIND PURSUANT TO 605B OR 15 USC SUBCTION 1681 C2 THAT RAUDULENT AND INA THE ACCOUNTS ARE : CCURATE INFORMATION BE BLOCKED FROMY CREDIT FILE.THE ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROCOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card

I was charged double for rent for the month of XXXX, using my XXXX rewards credit card. One came out of my checking account, and the other was charged to my WF XXXX Credit Card. The total was {$1600.00}. 

After realizing this, I contact Wells Fargo / XXXX to receive a refund to one of the purchase sources, and they stated that they resolved the dispute and would refund the extra {$1600.00} to my XXXXXXXX XXXX checking account. They said it would take about 3-7 business days, and that came and went. After reaching back out, they could not tell me where the refund was sent, and Wells Fargo would send me to contact XXXX, who would then tell me to contact Wells Fargo. 

It was a back and forth for a few days, but ultimately nobody would tell me where the money was sent, and was not of any help. Due to this, I am out {$1600.00}, and XXXX and Wells Fargo refuse to be of any help.
Product: Money transfer, virtual currency, or money service

I sent {$5000.00} on XXXX XXXX, XXXX  they promised to deliver the money on XXXX XXXX, XXXX. But they failed to do so. 
I contacted them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX to deliver the money or refund me the money but they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking to be removed from my credit reports, because they received my personal information fraudulently. They received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Most companies find the last 4 S.S.N. numbers, and full legal name is precise enough information to locate a person in your database. I am not comfortable giving you information that you fraudulently obtain from a company. That suppose to protect my personal information under U. S. Code 15 Commence and Trade 6801. If I am not in your database, then you fraudulently reported me to the consumer report.
Product: Student loan

On XX/XX/2022, Navient called both my father-in-law and my sister-in-law. I don't even know how they got theirs names or information. My name is still legally XXXX and do not go by XXXX. It is 100 % inappropriate for them to be calling any of my family let alone my in-laws. I have made the request for them to stop and that I am reporting them.
Product: Credit card

The company allowed me to make purchases far beyond on my credit limit which have drastically affected my credit score and credit worthiness. I thought my credit limit was more and wouldn't have intentionally spent over my limit if I was notified as I have plenty of other cards to use. No notice was sent to me to notify me that I was over my limit. I was using this card because I have a XXXX interest and was trying to take advantage of that. This has significantly affected my recent credit transactions.
Product: Student loan

I attended   XXXX   XXXX   XXXX   XXXX   campus from    XXXX   XXXX  -  XXXX   XXXX  . The school had me take out a Genesis Loan. When the campus clos ed i was still paying on my  Genesis lo an, when genesis closed down they changed to another company that i cant remember the name of and then changed again to   XXXX   XXXX   XXXX   (  XXXX  ). My g enesis Loan  was approximately {$4900.00}. Currently through  XXXX  i owe {$4300.00}. I tried explaining to  XXXX  that a school made me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do defferments so i was going to have to find a way to pay for the loan. I currently get  3-4  calls per day from this company.
Product: Credit reporting or other personal consumer reports

They published Sezzle on my credit report and it reported late payments when they said it never will. They removed it off my XXXX and XXXX but left it on my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting that there was a missed payment in XXXX 2017. I have made all payments on my account on time, and have email confirmation for this payment. I have submitted a dispute through Equifax four times, yet they have never proceeded to correct their error.
Product: Checking or savings account

I normally get my SSA check through SoFi every month but during the month of XXXX i did not receive a payment. When the XXXX of this month made it and I did not have a payment in my account I begin to make contact with the bank. The bank rep. advised me that my payment transaction codes were off and that the payment was sent back to SSA. SSA stated that they never received a payment back. I need someone to look into this matter because this has never happened to me since I have been receiving payments from SSA. I have been without this payment for too long and now we are currently on the XXXX of the month. Below I will have the correspondence attached that I received from SoFi.
Product: Credit card

XXXX at Citi is familiar with my case. She can be reached at XXXXXXXX XXXX XXXXXXXX Citi never communicated with me about a negative balance of XXXX miles from XXXX  years ago ( XXXX ) on my Citi AAdvantage credit card, so I was unaware of it. Due to this negative balance, my credit card purchases in XXXX - XX/XX/XXXX did not earn AAdvantage  base miles. Therefore, I was disqualified from a XXXX AAdvantage bonus mile offer.