23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I initiated an electronic payment for {$1000.00} through my checking account at XXXX XXXX for payment on my Citi XXXX XXXX XXXX XXXX - the total balance on the Citi credit card was {$3000.00}. I then used a balance transfer check for {$2000.00} from my XXXX XXXX XXXX account, ( check # XXXX ) to pay the remaining balance on the Citi XXXX XXXX. This was mailed via usps priority mail with a payment coupon from the Citi credit card on XX/XX/23. The tracking # from the usps priority mail is XXXX XXXX XXXX XXXX XXXX XXXX. On Saturday XX/XX/2023 I checked the status of the usps tracking and it showed the letter was delivered to Citi 's XXXX AZ address on Thursday XX/XX/2023 but when checking the Citi account on line they have only credited the electronic payment of {$1000.00} from XXXX XXXX and not the {$2000.00} check. This presents a problem because the Citi XXXX XXXX account is on a 0 % interest deal which ends XX/XX/2023. These pieces of filth from Citi are withholding this payment so as to show I have a balance of {$2000.00} and subjecting me to interest. They have pulled similar fraudulent acts on me with a mortgage account I had with them a few years ago - they are nothing but filthy liars and theives.
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 U.S.C 1681.

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. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXX MORTGAGE XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX number # XXXX has violated my rights. 
XXXX XXXX CFPB violation.
Product: Prepaid card

This is the letter I had to send to the disputed department. 
XX/XX/XXXX Case id # XXXX Card # XXXX To whom it may concern, On XX/XX/XXXX I checked the balance on my card ending in XXXX and I was shocked to see that my available balance was {$3.00}. The last time I used my card was on XX/XX/XXXX at the XXXX ATM at XXXX XXXX XXXX XXXX, Ga XXXX at XXXX. I withdrew {$300.00} and had an available balance of {$990.00}. I immediately called Money Network customer service and was advised that on XXXX at XXXX {$300.00} was withdrawn from my account. On XX/XX/XXXX XXXX {$300.00} withdrawals were taken from my account at XXXX which equals to {$600.00} and on XX/XX/XXXX {$90.00} was withdrawn at XXXX am. Those transactions were not made by me. My card is currently in my possession and has been since my last transaction on XX/XX/XXXX. I did not authorize those withdrawal transactions. Please investigate this matter ASAP and provide me with a provisional credit in the amount that was stolen {$990.00} This is the response I received about the dispute : My dispute was supposed to be completed today. I called because I haven't received my {$990.00} provisional credit. I was told my claim of fraud was denied. I asked why and I was told that the transactions looked the same as previous. I stated how was that possible when the card has a daily withdrawal limit of {$300.00}. The hacker took out $ XXXX which is {$600.00}. XXXX asked for a copy sent to me of the investigation. I was told that my card that ends in XXXX. I said WHAT, did you investigate the brand new card you sent me and not the one that ends in XXXX that the fraud was on. I believe that money network stole my money off my card. This company needs to be investigated. I couldn't pay my rent or utilities because of this matter. Please investigate and prosecute. 

I see that you have investigated the same issue. https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 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. XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Ink. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX  ). 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 cased significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 card

Account name BANK OF AMERICA Account number XXXX  Account type Secured Card I'm reaching out in hopes of settling this debt in order to restore my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
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  Experian, Equifax and Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Dismissed Bankruptcy Dear Sir/Madam, I am writing to formally request the removal of a dismissed bankruptcy from my credit report. According to my records, the bankruptcy # Ref Reference Number XXXX, filed on XXXX XXXX, XXXX, was dismissed more than XXXX years ago and did not result in a discharge of any debts. 
Since this bankruptcy was not completed and has had no financial impact on creditors, I believe it is unfair for it to continue appearing on my credit report. Additionally, considering the amount of time that has passed, I respectfully request that it be removed to more accurately reflect my current financial situation. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all reported information is accurate, complete, and relevant. Given that dismissed bankruptcies hold far less weight over time and that this record is now over XXXX years old, I kindly request its removal from my credit file. 
I have attached copies of relevant documents confirming the dismissal of the case, along with a copy of my identification for verification purposes. I appreciate your prompt attention to this request and look forward to your confirmation of the update to my credit report. 
If you require any additional information or documentation, please let me know. I expect your response within the legally required XXXX period as mandated by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX
Product: Debt collection

This letter is being sent to you in response to a account appearing on my credit report. Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.

This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

I made a payment of {$590.00} on XX/XX/year>, but it was returned because I sold my vehicle on XX/XX/year>. The full balance of {$20000.00} was paid off shortly after. XXXX XXXX XXXX is stating that they did not receive the final payoff check until XX/XX/year>, and as a result, they are marking me as 30 days late on my credit report and have not reported that the Vehichle is paid in full when they already have received payment amount in full.

However, this is inaccurate because : 1. I no longer had possession of the vehicle after XX/XX/year>. 
2. The delay in processing the final payment was on XXXX end, not mine. 
3. I acted in good faith to ensure my loan was paid off in full. 

Despite contacting XXXX XXXX XXXX, they refuse to remove the incorrect late payment. This has negatively impacted my credit score, and I am requesting that the CFPB investigate and have XXXX correct the reporting error.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should eliminate any incorrect accounts from my credit report. Could you verify the documents? Some accounts listed have errors in reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with 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 XXXXXXXX. Account name : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Equifax ) XXXX Account name : XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : US DEPT ED XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 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 {$0.00}. 
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, XXXX U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXX. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, 2019 with a balance of {$0.00} -This is not my account.
Product: Debt collection

My Loans are all very old and the schools I went to one dissolved, and one I did not attend for greater than a month but I was charged as if I completed the program.

These Federal student loans are incorrect and you are forced to repay incorrect information with zero chance to be heard.

This caused my family to become homeless because we could not even qualify for a low income rural loan for poor people.
Product: Mortgage

I had a loan that was previously owned by XXXX but was purchased by Well Fargo earlier this year. In my original loan, all balances including escrow were current and there were no deficits at time of transfer to Wells Fargo. Wells Fargo has a policy to contain a higher escrow reserve than what the previous company required. As a result, I am being required to pay more in escrow to accommodate the policy. It appears to me that Wells Fargo is essentially modifying the original loan terms without my consent I would like to file a formal complaint
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 did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 27 : financial loss, and I seek appropriate redress. ( 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: Mortgage

Was told needed XXXX items ( conditions ) then after given to me they turned me down from original information not of the conditions. They drug me along for 90 days
Product: Mortgage

I have an impound account with my mortgage and a debt collector on a credit card from years ago attached the payment to my impound. I have tried to cancel my impound but they have told me that I do not have that option. 
Please contact me if you have further questions. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is from XXXX XXXX the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX XXXXXXXX once XXXXXXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on XXXX by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on XXXX there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with XXXX and this account being reported wrong
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a transfer request to XXXX to move money from my XXXX account to my XXXX XXXX account with XXXX. 
They took a week to take the money out of my XXXX account, on XX/XX/XXXX. 
It's now XX/XX/XXXX and still this requested transfer has not shown up in my XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned a Medical/Healthcare account to KEYNOTE CONSULTING INC in the amount of {$1100.00} on or around XX/XX/2023. This is not my account, and I'm the victim of Identity Theft.
Product: Mortgage

My fiance injured himself at work and we had a reduction of income. I proactively reached out to Flagstar Bank to inquire on payment assistance and was told my account must go into default to explore payment options. I did just that and was offered a partial claim option contingent on making my next 3 monthly payments on time- which I did and have continued to do since XX/XX/XXXX. I received partial claim documents to sign to close the case in XX/XX/XXXX and the amount on the documents were wrong. I called in to question this amount on multiple occasions with each loss mitigation rep/supervisor giving me a different explanation and action I needed to take, which I did and nothing was done on Flagstars side. Therefore, I have continued almost weekly calls attempting to escalate or attempt some type of resolution to validate the actual amount of the partial claim to ensure I am signing important documents with the accurate amount listed. I have since spoken with 2 supervisors ( XXXX & XXXX ) in loss mitigation and 2 escalation specialists ( XXXX - ID : XXXX and XXXX - ID : XXXX ) and was told I would receive papers at my door within XXXX business days with the corrected amount and they would both call me within 24 hours to confirm. Both which did not honor their commitments and I still have not received any new paperwork to sign. Therefore as a consumer, I have been trying to close this partial claim since XX/XX/XXXX ( if not sooner when my monthly payments resumed in XX/XX/XXXX ) with no steps forward whatsoever by Flagstar bank. As a result, I have continued to receive past due collections mail and telephone calls due to the 'delinquency ' that does not exist because i have an active loss mitigation application open and have made the payments as outlined for my partial claim consistently. This has been an absolutely absurd experience from a customer experience when I initially proactively reached out before any type of delinquency occurred to seek help and try to do the right thing by letting my mortgage company know I was going through a temporary rough time and needed help for a short period of time. I have taken every step I have been requested to do as the customer and have made each monthly payment as instructed with XXXX taking no action to move my account towards resolution. I have also been instructed on recorded lines to not make March 2024 monthly payment as their process is to calculate into the final closure of the partial claim and if I made the payment it would mess up the paperwork final numbers I had to sign. I am writing this complaint on XXXX XXXX and I still have not received the paperwork after being told by XXXX in XXXX it would be sent in XXXX business days, and XXXX within XXXX hours. Now this is going to impact my credit AGAIN when i have done everything right since the start and I continue to get punished as the customer for Flagstars incompetent knowledge of their own processes, missed customer commitments and lack of urgency to resolve customers concerns
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX