23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit card

Capital One fails to send bills each month ( especially when there is no activity on the card for the month ). When they do n't receive payment on the bills they never sent, they claim you are past due and try to charge fees. This is a scam to increase fees and interest for consumers who always pay bills ( that they are actually sent ) on time.
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 to 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 action have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have bern a victim of identity theft and found fraudulent inquaires in my credit report ( XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX ) please remove that frauddulent inquires in my credit reporti
Product: Debt collection

GLA Collection Agency, Inc.called me XX/XX/XXXX in attempt to collect a debt of {$150.00}. I asked for a written notice, as I had never received any original bills, either from the original creditor ( an outsourced anesthesia company ) or from GLA. As it turns out, they did not have my address correct. The representative with GLA was very rude to me, stating that it was my fault the address was wrong, which simply isn't true. ( When I checked in at the hospital, the registrar looked at my drivers license and typed in the address, so if there were any errors made, I didn't make them. ) The GLA representative also attempted to force me to pay immediately over the phone by stating that this would decrease my credit score. I told her I didn't feel comfortable paying until I knew what I was paying, again requesting written information. GLA mailed a written notice dated XX/XX/XXXX to the correct address, which I received about a week later. I then requested more information in writing to dispute the debt. The letter was dated XX/XX/XXXX and postmarked either XX/XX/XXXX or XX/XX/XXXX, within the 30-day time frame stated in their letter. In the meantime, I called the hospital billing department, who referred me to their outsourced XXXX  billing. Both of those companies stated that I did not now nor ever owe a debt to them for {$150.00} on the date of service in question. I also spoke to the XXXX  department at the hospital, and they did not show any debts either. The collection account showed up on my credit report. I disputed this through XXXX, as I hadn't received enough information to make an informed payment decision yet. XXXX  reported on XX/XX/XXXX that the collection account was deleted from my credit report. GLA called again XX/XX/XXXX. I asked the representative to stop calling because the collection account had been deleted from my credit report. She stated that they would continue to put it on my credit report every month until it was paid. When I asked why XXXX  would delete it if the debt was valid, she did not provide an answer. I asked about the status of my request for more information. She stated that they received my letter but that they did not have to respond because I was outside the 30-day window. I recalled the dates ( XXXX ) and noted that they were indeed inside a 30-day window. The representative then stated that the 30 days started in XXXX when they first mailed a written notice ( to the incorrect address ), despite what their letter dated XX/XX/XXXX said. I told the representative that I also contacted the hospital, department, and billing company, and was told I did not have said debt. She again did not respond with any useful information. 

If I had known I had a bill to begin with ( again, not my fault ), it  never would have gone to collections. I don't mind paying a bill when I know it's legitimate. GLA hasn't been able to provide me with any indication that this isn't a total scam.
Product: Debt collection

Hello, Ive been charge the total of {$410.00} from services of NorthShore XXXX XXXX XXXX  on XX/XX/. On this day I had to go XXXX Room with intolerable levels of hardship, due to an accident during my first day of work. The companys insurance was supposed to provide help. I never heard back from them and I dont have the money to pay for it. Im still injured.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me 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 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 XXXXXXXX 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: Debt collection

Acima This debt have been written or charged off I have requested a 1099c from each company To cancel debt by law I have written each company numerous of times my letters have gone unanswered
Product: Credit reporting or other personal consumer reports

Names and addresses are incorrect and not accurate on consumer report spoke with the company to remove names and addresses but was denied by the company because the names and addresses were use to create fraudulent accounts
Product: Mortgage

We have been trying to do a short sell on our home since 2014. We have actually had XXXX offers on the place, but Wells Fargo continues to deny the offers. They have transferred us to different preservation specialist and short sale primary points of contacts several times to no avail. We 've even had our relators call and they 've been given false information. They say one thing and do another. They do n't return phone calls or send out proper documents when stating they would mail things out. I 've asked to speak with a manager several times and the mangers have promised to do an investigation, and still nothing is done. Managers do n't even return phone calls. I am completely fed up with the type of customer service we have received and will never do business or recommend anyone I know to do business with Wells Frgo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX, The actions of XXXX and the actions of our previous attorney XXXX XXXX removing XXXX from the Altaray litigation without our consent or knowledge was a backdoor deal that granted XXXX plausible denial and lack of liability. We were told, " we could not sue everyone it would be a waste of his time and our money ''. The judgment was awarded against XXXX but we know the odds of collection. Three months were wasted due to a gross miscommunication in which XXXX still thought we had legal representation and thus would not communicate with us. We were told we own the loan, the delays have cost us the rebates that would have paid for the panels in full. 

Your erogenous deferment error dropped my credit score by XXXX points and counting overnight! Applied for XXXX in interest-free financing for 12 months and denied by XXXX XXXX XXXX XXXX while just the week prior XXXX in new credit and a XXXX line of credit extended by my bank. Ordered an item from XXXX XXXX that never arrived. Check my credit report and my account is closed and I am now considered " High Risk '' due to the actions of XXXX. Your immediate removal of the " alleged error '' was not the solution this never should have happened XXXX had all of my checking information to automatically pull a XXXX payment and chose not to do so for the third time! This was supposed to be handled by you personally and not by automation for the third time. 

The actions of XXXX were a gross breach of contract not once but three times and each infraction impacted my credit maliciously and adversely. Your lack of immediate communication on this matter further impacted the situation. 

I consider the actions of XXXX to be predatory lending and will require years for credit to be rebuilt. That being said we are holding XXXX liable to the fullest extent of the law in this matter. In one day XXXX changed our lives and you have one day to fix the damage. The creditors affected by the actions of XXXX the credit agencies that received the report from XXXX now consider me high risk due to a XXXX-plus one-day drop in my credit score. 

Your removal was only after you were informed due to me checking the credit report. XXXX had taken no responsibility has not contacted any of the credit entities on my behalf and this is not the first time over the course of two years that this has happened. XXXX failed to properly vet XXXX XXXX resulting in the loss of two federal rebates legal fees for a hollow victory with a deal made against our wishes or knowledge with XXXX. XXXX XXXX leaving us totally liable for over XXXX XXXX dollars. The processes to activate the panels were intentionally stalled Failure to comply will result in complaints to appropriate consumer and financial entities to include legal action if not resolve with resolution and compensation. XXXX due to the actions of XXXX XXXX XXXX denied zero interest on one account and closed an account in good standing due to your misinformation of ninety-day delinquency expect to hear from you on this matter. 

Respectfully,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we began the process to update our bank account information as our bank account changed. On that day, the first attempt was made to update the information. After repeated trips to our new bank to get a letter written from the bank manager with all the information on the form because they would add another stipulation to be added and would never sent a complete list of what we needed. Finally on XX/XX/XXXX our bank account information was successfully added. The last deposit XXXX XXXX XXXX sent to our old bank was on XX/XX/XXXX and received on XX/XX/XXXX. On the XXXX of XXXX our old bank account was closed permanently. On XX/XX/XXXX {$990.00} was allegedly deposited to our old account. On the XXXX {$49.00}. On the XXXX {$380.00}. On the XXXX {$490.00}. On the XXXX {$110.00}. None of these amounts were received. On XX/XX/XXXX the amount of {$510.00} and on XX/XX/XXXX in the amount of {$1600.00} they deposited the funds to their account ending in*XXXX. I have made calls almost every single day asking where are funds are. I am never given a complete reason on why they will not release the funds, different representatives all say different additional excuses each time. Always say they will pay attention to the ticket request and return a call when something has been updated. We are going on 31 days of our funds being held. We are a small business and their credit merchant services is jeopardizing our operations. They can not and will not solve our issue in a timely manner.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX sent a {$570.00} credit to my Chase credit card ending in XXXX. Chase never credited my account for the amount. I contacted both XXXX XXXX and Chase about the missing credit. XXXX XXXX confirmed that they had sent my account the credit and provided me with documentation of the transaction that I then forwarded to Chase by both fax and U.S. Mail as instructed. Chase sent me a letter on XX/XX/XXXX telling me that my request was closed. I have called Chase many times and asked why they will not credit the account for the {$570.00}. They say that they never received the money from XXXX XXXX. I can only assume that XXXX XXXX would not produce false documentation and did send the credit to my account. I am stuck in the middle here without recourse except to file this complaint. I will attach the documentation of the transaction as that is my only proof. I hope you can help. 
Thanks, XXXX XXXX
Product: Credit card or prepaid card

My Capital One credit card had an offer of 0 % for the first 9 months, but now Capital One refuses to honor the full 9 months. This offer was advertised publicly, in communication with me, and during the application process. My account was opened and my card was received on XX/XX/2023, thus the offer should be through XX/XX/2023, however I was only given 0 % interest until XXXX. After I notified Capital One of the discrepancy, a representative communicated to me that the date would be corrected if I sent them a copy of the emails that I received showing that 9 months was offered. I sent this documentation to the address they specified, and I recently learned that this was received by Capital One in XXXX. However, the issue was never corrected. I contacted Capital One again today, and they acknowledged the past communication and that the requested documentation had been provided, but refused to make the correction on the basis that a generated disclosure sent on XX/XX/XXXX also shows the XXXX expiry date. This is a plainly obvious error considering that these dates do not span 9 months. So first of all, Capital One 's own records confirm that there was a mismatch between the offer that I was given and the one that was actually applied. Secondly, I was previously already promised by a Capital One representative that the date WOULD be corrected from XXXX to XXXX, with the only condition being that I send proof of the email stating that the offer was for 9 months, which I have done. Despite this, Capital One still has not made the correction.
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 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. 
XXXX I want the CFPB to publish
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the equifax data breach 1. my name is wrong or exaggerated under all 3 bureaus.

2. there are erroneous mailing addresses ive never lived at.

3. there is a social under XXXX  ive never seen 4. there is a giant list of phone numbers that have never belonged to me. 

there are SEVERAL THOUSAND dollars that i never authorized nor signed to open accounts with : I am not liable for these debts with XXXX. I do not have a contract with XXXX. They did not provide me with the contract as requested for the following XXXX. XXXX acct XXXX with {$6500.00} in unauthorized charges US CODE 1681 I am not liable for these debts with XXXX XXXX XXXX. they do not have a contract with me as i have requested they provide for the following : XXXX. XXXX XXXX  acct XXXX {$5800.00} in unauthorized charges US CODE 1681 i am not liable for these debts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} in unauthorized charges My information was compromised in the equifax data breach XXXX claim number XXXX XXXX  and several of my accounts were sold illegally, and unauthorized charged were charged on my accounts. And my information has been confirmed as being on the dark web thank you for your assistance in this matter as well as your time and patience
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Greetings, On XX/XX/XXXX, Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( XXXX, Transunion, and XXXX ) XXXX need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. 

By XXXX, The FCRA requires the XXXX credit bureaus to complete dispute investigations within XXXX to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. 

TransUnion, XXXX and XXXX does it time and time again! The XXXX major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. 

XXXX let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and XXXX hurt! 

In XXXX, it paid {$3.00} XXXX in restitution to harmed consumers, along with a {$2.00} XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, XXXX settled with the Federal Trade Commission, the CFPB and states for up to {$700.00} XXXX, to resolve allegations that it shared the information of XXXX XXXX consumers. 

With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the Court of Law, where there are several civil penalties that have occurred against myself and estate. 

Please see my XXXX letter attached.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the inaccuracies in my financial records that I had previously reported, yet these errors still persist. I find this concerning and believe it's essential to have these issues rectified promptly.