23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving an accurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) Has recently filed a lawsuit against XXXX, allegations, systematic issues, such as failing to consumers provided evidence furnishers, accepting unreliable, responses, and failing adequately notify consumers of disputes outcome. These failures align with the experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate correction actions to remove or amend the dispute account, as experience and action, if violated federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

These inaccuracies constitute a violation of the FCRA. I request an immediate investigation and correction of these errors. Please provide written confirmation once these changes have been made. See attached Credit Disputes that were sent to Experian, XXXX and XXXX on several occasions. 


Thank you for your prompt attention to this matter.
Product: Debt collection

I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save XXXX us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX, Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This complaint is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00}. 

Now remove these erroneous items from my credit reports immediately.
Product: Credit card or prepaid card

XX/XX/2023 in the amount of {$3000.00} I made a payment to my credit card bank of America on XX/XX/2023 in the amount of {$3000.00} they took the funds out of my account and shows the payment on my account but they made the payment a charge vice a credit to my account like they should of. I called they refuse to make the {$3000.00} payment I made show as a credit to my account vice a charge and they took the money out of my account. SO they basically XXXX XXXX XXXX from me. I want this payment credited to my account ASAP! i ALSO WANT A CREDIT FOR ANY INTREST CHARGED FROM XX/XX/XXXX UNTIL THE DAY THEY APPLY MY PAYMENT AS A CREDIT VICE A CHARGE.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against ACIMA for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : ACIMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Information : Debt Amount : {$0.00} Original Creditor : ACIMA Account XXXX My Request for Debt Validation : I sent a debt validation request to ACIMA, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that ACIMA has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with ACIMA, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that ACIMA complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Consumer Financial Protection Act gave the CFPB its mission to regulate consumer financial products and services by prohibiting unfair, deceptive, and abusive practices in the financial industry and making rules to prevent these practices Reference Call with Wells Fargo- Date : XX/XX/2022 Contact : XXXX XXXX for agent : XXXX XXXX. Violation of Pre-authorized payment transfer. 
Explanation : My mortgage payments were made to bring my mortgage account current, and well-Fargo without authority, transferred payments from paying my mortgage, over to my escrow account to satisfy a shortage -- However, my mortgage notes or payments were never adjusted or reduced. 
I was not notified or aware of this action until calling on XX/XX/2022 to go over an itemization of several of my payments. I found my payments had not been applied appropriately. 
This non-transparent action of Wells Fargo is unwarranted, excessive and abusive. 

XXXX. Violation of un-authorize " holding of payments '' allowing interest to accrue- Explanation : On XX/XX/XXXX, XXXX XXXX payments were due. ( Payments for XXXX, XXXX, and XXXX ). On XX/XX/2022 I made a full payment to pay for the month of XXXX. 

Wells Fargo FAILED to Apply my XXXX payment but " HELD '' the payment in an " Unapplied '' status until XXXX, allowing interest to build, offering NO explanation of WHY my XXXX payment was never applied immediately. 
This is abusive, deceptive, and unfair practices that wells Fargo blatantly continues to practice. 

Since XX/XX/XXXX, I have paid all payments infull with an overage, that is being held without permission in the XXXX account. I believe Wells Fargo held my payment, hoping that I would not come up with the rest of my mortgage payments, thereby forging a plan to foreclose on my home. There is no other explanation of WHY my payments are being held without my knowledge .... I was on the phone with them today for XXXX and no one gave an explanation, nor could they understand WHY. 

This is more than violating federal requirements, and this can not be allowed to continue to happen continually violating consumers. I am ready to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still inaccuracies on my Credit report, which are 2 XXXX XXXX # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to understand Equifax have a incorrect address on file allowing XXXX XXXX LL to report false information an illegally debt have anything know account number show to different amount XXXX XXXX XXXX paid another not have no knowledge of these accounts not just that I had to correct my date of birth to Equifax now XXXX credit report they allowing the same problem false account information due buying my data my personal information to collect a debt with a written statement an signature document an identification number on file provide by law government law they in violation of credit report agency consumer act requirements I requested everything should be removed an deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Cares Act and the Heroes Act, XXXX XXXX ( Account # XXXX ) has violated my rights, XXXX XXXXXXXX reported 4 late payments on my Consumer Report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The reporting of the late payments are damaging and hurting me from purchasing a home for my family. 

Due to the current in place COVID-19 National Emergency, 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ) of the Cares/Heroes Act, requires creditors to report any account that had a payment accommodation applied to it during the Covered Period as " current '' to the consumer reporting agencies. At the time, I was on an accommodation hardship program with XXXX  XXXX starting XXXX of XXXX until XX/XX/XXXX. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX through 120 days from the date the COVID-19 National Emergency is declared over. The National Emergency has not been declared over as of this date.
Product: Money transfer, virtual currency, or money service

I made a wire transfer for {$3000.00} from my Citi Bank NA account to my Citibank XXXX account on XX/XX/2022. This was to pay for my expense in XXXX. The wired money did not reach my Citi Bank XXXX account. I called Citi Bank XXXX many times and I was told they could not trace the transaction. Citi Bank XXXX told me they had reached Citi Bank NA but were not able to resolve. I could not use the fund when I was in XXXX. I came back to the States on XX/XX/XXXX. I called Citi Bank XXXX and was told there was a problem with the account number. I had fat fingered the account number. I was given two options, 1. Fix the account number which will take 10 - 30 days 2. Cancel the transaction which would take max 10 days. 
I chose to cancel, because I had to pay back the money I had borrowed from my family during my visit. 
It is XX/XX/XXXX today and after several calls to Citi Bank XXXX, I am asked to be patient and I am told it will be resolved soon. 
I spent a lot of time ( more than 10 calls to Citi to check on my wire status ) and I am also told I will be paying currency conversion fee twice for a fund I could not use while I was visiting XXXX. 
Shouldn't the wire be returned back as soon at it was determined that the account number of incorrect. 
When I asked the service desk for an escalation process, I was told they can not do anything about it. when I asked to be transferred to a XXXX, I was transferred to some person in the XXXX office, who was taking a cold call from me. I started all over about the issue with this person. He then read to me the notes from the offshore call center log.
Product: Credit card or prepaid card

Good evening. I had a credit card that I used that was mine an yes I use it often but one day I get a credit card that said XXXX  XXXX which I never applied for but I remember from my last marriage how my ex-wife knew about my personal information containing my social security number I called the company an told them it wasnt me who applied for the card an they couldnt do anything but bill me an now its very bad where its in collections an I dont know what to do can someone please help me
Product: Credit card

I am attempting to add my XXXX credit card to XXXX XXXX. It is highlighted as a feature in all of their advertising and in their app. After many attempts at adding the card to the digital wallet, I called customer service to see what the issue is. They informed me this feature is no longer available.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX  Became endentured to Affirm by XXXX  - over {$5000.00} and over {$200.00} on my XXXX - XXXX XXXX XXXX XXXX of XXXX gave a promse of a complete refund upon request. I did so XX/XX/XXXX  and multiple times since. Each time I was told refund was being processed and will be in my account in days. This was also given in text form. This was weeks ago and still no response. When I inquired of Afffirm they said the merchant is XXXX. When inquiring of XXXX they say they had nothing to do with this transaction. Asked XXXX  of the nature of their relationship with XXXX XXXX and XXXX of XXXX and how they can be listed as the merchant ( recepient of funds ) on the loan from Affirm. Asked also if they profited in any way from my becoming endentured to Affirm and if they endorsed XXXX  to represent XXXX as the recepeint of the funds to Affirm. I also asked Affirm if this has been done before- the merchant being listed as the recepient denying being involved. All the parties involved XXXX ( XXXX XXXX, XXXX ) XXXX and Affirm are slow in their response if at all. They also fail to answer questions asked of them. The evasiveness and delayed repsonse seems to imply a level familiarity if not collusion. Asking XXXX  and Affirm if there is any info they can give me regarding XXXX so as to send them notice by mail as well. Asked Affirm to examine the tracking number and see if addiional information could be acquired so as to follow up with XXXX. Was told there business was in Florida - I was unable to identify a business with this name currently registered in Florida
Product: Credit reporting

Equifax is reporting a 2 month old delinquent mortgage payment when in fact I have not been late on a payment in years.
Product: Debt collection

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Product: Credit card

Subject : Formal Complaint Against Chase Bank for Mismanagement of Debt Assistance Program and Ongoing Harassment To Whom It May Concern, I am filing this complaint against Chase Bank due to their gross mismanagement of my debt repayment plan, which has resulted in severe financial, emotional, and personal distress. Despite following all necessary procedures to enroll in their asset management program, I continue to receive harassing collection calls, inaccurate delinquency notices, and significant credit damage due to their failure to honor their own agreements. 

Background & Timeline of Events : 1. Seeking Assistance & Enrollment in Asset Management Program I proactively reached out to Chase, asking for help with my delinquent accounts.

Chase 's asset management team counseled me, assured me that a repayment plan would be implemented, and had me sign formal documents agreeing to structured payments.

I complied fully, making at least two separate payments as required under the agreement.

2. Chases Repeated Failures & Harassment Despite my compliance, I continue to receive automated collection calls and cash due notices, indicating Chase has not properly applied my payments or processed my enrollment in the plan. 

I have personally called Chase multiple times, only to be told conflicting information and left without any resolution. 

My credit score has dropped by approximately XXXX points, leaving me in the XXXX devastating blow that further limits my ability to rebuild financially. 



XXXX. Severe Personal & Financial Consequences Due to Chases mismanagement, I have had to reduce my college course load, impacting my ability to progress in my education and career. 

The constant stress and uncertainty have taken a significant toll on my mental health and personal well-being. 

My financial future is now in jeopardy because of Chases failure to follow through on the very assistance they promised. 




Concerns & Legal Violations : 1. Potential Violations of the Fair Debt Collection Practices Act ( FDCPA ) Chase has knowingly continued harassing me with collection calls despite my enrollment in their repayment plan.

The persistence of these calls, combined with conflicting information, has led to mental and emotional distress, which could constitute unlawful harassment.

2. Potential Violations of the Fair Credit Reporting Act ( FCRA ) Chases failure to accurately process my payments has led to incorrect reporting of delinquency, severely damaging my credit score. 

If Chase is knowingly misreporting my debt despite acknowledging my repayment plan, this could be a violation of the FCRA. 



3. Breach of Contract / Bad Faith Business Practices Chase counseled me, assured me, had me sign agreements, and accepted my payments, yet they failed to uphold their obligations. 

This reckless mismanagement of my financial situation has directly impacted my livelihood, education, and future opportunities.
Product: Mortgage

My loan got transferred from XXXX to RoundPoint Mortgage Servicing on XX/XX/XXXX. A week or 2 before our mortgage was coming due, I logged into my account on the RoundPoint website and noticed my autopay was showing as not set up and it wouldn't let me set it up. So to make sure I didn't default on my loan, I set up a good faith 1 time payment to cover my mortgage. Unbeknownst to me, my autopay got transferred to my new account at RoundPoint and my mortgage ended up being billed twice, 1 of those payments failed, and I received a letter for a {$30.00} charge for insufficient funds. On XX/XX/XXXX or XXXX, I called to speak to a rep and he said I could not get a waiver for this fee because it wasn't RoundPoint 's fault. BUT IT WAS! I tried to make a payment in good faith so we wouldn't default on the loan and now I have to pay an extra {$30.00} because the RoundPoint website was not correct. 

After getting off the phone with the rep, I then logged on to see if that {$30.00} charge would be included on my next payment and sure enough, there was nothing on the website showing I owed a {$30.00} fee so I AGAIN had to take time out of my day to call and ask if it would be included in my next mortgage payment and the rep confirmed it would. If I didn't do that, I would not have put enough money in my account to cover that fee and would have ANOTHER fee tacked on to my account. 

The RoundPoint is in no way taking responsibility for their website being inaccurate and completely misleading. All we wanted was a 1 time fee waiver and I got told that this was in no way RoundPoints fault.
Product: Debt collection

I asked them to validate and also ask them to show how it was validated and no response
Product: Debt collection

On Friday, XX/XX/XXXX, a process server knocked on my door. She served me with papers saying that I was being sued by XXXX XXXX XXXX The papers said that Midland had purchased my debt from a credit card, and that I owed them {$1000.00}. I paid the credit card company XX/XX/2017. I have the receipt to prove it. The papers said that I needed to file a motion with the court in the next 30 days or I would automatically lose the judgement, and that my wages could be garnished. A copy of my receipt was sent to the court clerk, and I was told that it was being forwarded to the attorney representing Midland. Is it legal for Midland to draw up court papers over a debt that has been paid?