23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Resurgent/LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX  VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Resurgent/LVNV Funding Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Dear Resurgent/LVNV Funding, I have not received a validation response to my request for verification on the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt XXXX validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute, I owe this debt to you and that dispute should be stated in my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX
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 proce 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 2 ) financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received a notice from your company regarding this alleged debt, and I would like to ensure its accuracy before taking any further action. 
Please provide the following information : 1. The name of the original creditor.

2. The full amount of the alleged debt, including any interest or fees.

3. A detailed account history, including all payments made.

4. A copy of the original signed agreement or contract proving I agreed to this debt.

5. Proof that you are legally authorized to collect this debt. 
Until you provide this information, I request that you cease all collection efforts, including reporting this debt to the credit bureaus. If this debt is not validated within 30 days, I expect it to be removed from my credit report per my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the XXXX Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.
Product: Credit reporting

Equifax is the only company that repeatedly says I do not know my own information, therefore refuses to allow me to access my account online to be able to dispute inaccurate information. Disputed information with XXXX zero problems. Equifax asks verification questions I am answering correctly, yet they say it " does n't match their records. '' This is done purposely, and is fraud. XXXX of the questions they asked were about a mortgage I 've never owned. Answered None of the Above. XXXX was about the auto loan I just paid off. Answered that correctly. XXXX was about a credit card opened. Answered it correctly. So you see despite giving the correct information, Equifax refuses to allow you to dispute inaccuracies easily in the same fashion as everyone else. PUT THEM OUT OF BUSINESS!
Product: Prepaid card

I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit.
Product: Debt collection

We wanted a due date changed they never did and put our information on XXXX as a late payment. We have made over 800,00 to this  company Discover.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX  XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Product: Credit card

For years I have had credit cards with Bank of America. When I hit financial issues in 2010, they closed my accounts and began a pay out plan for me at $ XXXX/mo. and $ XXXX/mo. on each card. What I have noticed is that each month they are also charging me an " interest fee on purchases ''. Is this a normal fee? It seems it should have been included in the payment and NOT a separate fee being charged each month. 
Please advise me as to whether this is an acceptable practice. They have already dinged my credit by closing my accounts. They came up with the payment plan so I could get rid of the account balances, which takes forever even when the card is closed! Now I notice the fee when I went in to double check my balances and got curious to check to see if anything is listed on my monthly statements. I would never have discovered this fee otherwise. 
Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

Dailypay has had issues updating daily pay, along with hours of down time on there servers. Customer Service repeats the same thing that is on there website or in the app. Dailypay also failed to update my balance in a timely fasion, Dailypay also chargers a higher fee the other services out there. Per web research 's it seem that this services is set at a {$0.00} - {$1.00}. It also seems that they charge this fee twice, one during the instance transfer and then once again when you get your check.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX has a failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving in accurate or unverifiable accounts unrelieved. The Consumer Financial Protection Bureau. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amen the dispute accounts as XXXX  in action, violates federal law in my rights as a consumer.
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 - XXXX XXXX keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report immediately!!!
Product: Credit card or prepaid card

XXXX XXXX has 5 % off total purchase over {$390.00} if the customer opens a store credit card online at checkout, this discount is also only available with online purchases. I opened the account and was approved for the purchase amount. When attempting to checkout the order would not process. I called XXXX XXXX and was told to call the card issuer. The card issuer is Synchrony Bank. 
After calling the bank I was told to call XXXX XXXX, because newly issued cards do not work with online checkout. 
That makes no sense because that it is clearly advertised that the card can be used immediately upon online approval. This is fake advertisement! This matter lowered my credit score for a card that I am not even able to use for its advertised purpose. The card was immediately closed and I asked for the credit pull to be reversed due to fraudulent and misleading advertisement. The agent then disconnected the call.
Product: Credit reporting or other personal consumer reports

XXXX has allowed in accurate information to remain a consumer credit reports and proper reinsertation sham investigation has failed to follow the Fair credit report act per fcra by not connecting reasonable investigation into consumer disputes after several attempts. 

According to the fair credit act fcra section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report.
Product: Mortgage

M & T Bank is the servicer for a VA  Loan I have for a property located at XXXX XXXX XXXX ; XXXX XXXX, MN XXXX. They assumed this mortgage from XXXX XXXX and have been generally horrible, especially for escrow   related issues. They performed an escrow analysis shortly after assuming this mortgage upon my request, which found a deficit and they subsequently raised my minimum monthly payment, BUT they have refused all of my attempts to try to pay this deficit to try to reduce this payment amount again. I literally sent them {$300.00}, which essentially is the amount of the deficit to try to get them to reverse the payment increase and after being on a phone call today for over 2 hours, and it being escalated all the way from a general employee, to a supervisor, to a manager, I was told there was nothing they could to because their policy does not ever permit customers ( including VA Loan customers ) to pay the amount of a deficit. I am so angry about this policy because XXXX XXXX never did this. Also, M & T Bank actually told me on phone calls on XX/XX/XXXX and XX/XX/XXXX that they they would get it done. I was concerned that I had not received the new analysis and so I called again today and was told that there was nothing they could do. 

I separately contacted the SCRA division of M & T Bank to try to get their help and they refused to do anything. Please make them stop doing this practice. 

A secondary issue is also that they make it very difficult to set up automatic payments to have the mortgage pay early. This is a huge problem for veterans  and their dependents because they can be out of the country on XXXX and so they are taught that it is important to try to be early on your mortgage just to avoid any problems. I have tried so hard to do that with them, and I think it is now in the process of being resolved. First I was told that it was not possible, then I was sent a form to try to make it possible, then I was told that the form was actually the wrong form that I filled out and that a new form would be sent. All of this is extremely antiquated and unacceptable, because it should be something that can easily be done via the website or over the phone like XXXX XXXX would do. Honestly, I think M & T Bank 's ability to assume VA Loan 's should be blocked until they can show that they have the ability to treat veterans and their families properly like other banks already do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXXU S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF EDXXXX : XXXX U S DEPT OF ED/XXXX : XXXX XXXX : XXXX... 
USDOE/GLESI : XXXX... 
XXXX XXXX : XXXX... 
US DEPARTMENT EDU : XXXX US DEPARTMENT EDU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

To Whom It May Concern, I am writing to formally file a complaint regarding fraudulent medical debt collection resulting from identity theft. I have been contacted by your organization about a medical debt that I believe is not mine and was incurred as a result of someone using my personal information without my consent.

Below are the details related to this issue : My Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # Lot : XXXX XXXX, Alabama XXXX Phone Number : ( XXXX ) XXXX Account Number ( if applicable ) Date ( XXXX ) of Service ( if applicable ) XXXX XXXX I have reason to believe that the medical debt in question was incurred through identity theft for the following reasons : 1. Unfamiliar Provider : I do not recognize the healthcare provider ( s ) listed in your communication and have never received services from them.

2. Unfamiliar Medical Procedures/Charges : The specific medical services and charges listed are unfamiliar to me, and I have not authorized or undergone any of the listed procedures.

3. Report of Identity Theft : I have already reported the theft of my personal information to the [ police department, identity theft protection service, or relevant authority ], and a case has been opened to investigate the unauthorized use of my personal details. ( Include police report number if applicable. ) Given this situation, I request the following actions be taken immediately : 1. Immediate Halt to Debt Collection Cease all collection attempts and reporting of this fraudulent debt to any credit reporting agencies until this issue is resolved.

2. Verification of Debt Please provide a complete, detailed account of the debt, including the name of the medical provider, dates of service, and the charges in question. I will need to review this information to confirm whether it is related to my identity theft case.

3. Identity Theft Documentation I request that your organization work with me to resolve this issue by accepting a copy of the police report and/or identity theft affidavit I have filed, to show that the charges are not mine and were incurred fraudulently.

4. Investigation and Resolution I request that you conduct an investigation into the fraudulent nature of this debt and provide me with written confirmation that it will be removed from your records and my credit file if the debt is found to be fraudulent.

Failure to take these actions or to continue collection efforts on this fraudulent debt will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the state Attorney Generals office, and any other relevant agencies.

Please acknowledge receipt of this complaint and provide a response within XXXX business days Thank you for your prompt attention to this matter. 

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

I need to update my personal information to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. Self / Lead Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX Bank Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX
Product: Checking or savings account

On XX/XX/2021, my small business received a wire transfer for some merchandise. I went and purchased the merchandise. On XX/XX/2021, Wells Fargo seized all the remaining funds in my account, because the sender of the wire claimed fraud, then the bank closed my account. Without any contact with me, without my debit authorization, Wells Fargo returned the funds to the customer, saying they received a letter of indemnity from the sending bank, which was XXXX, or XXXX XXXX XXXX. The customer that complained about fraud, will likely receive the merchandise, and a refund of the money that they paid for it. 

Wells Fargo, being fined several XXXX dollars by the Fed because of widespread customer abuse, continues these violations of fiduciary responsibility, and hurts its small business customers and depositors.
Product: Credit card or prepaid card

Attempted to cancel a trip for XXXX 2020 in XXXX XXXX. Due to pandemic and travel restrictions, we were not able to leave USA. XXXX XXXX  XXXX took the deposit of {$2300.00} in XX/XX/2020 for a trip in XX/XX/2020, and refused to refund stating the stay was non refundable. after sending emails for a couple weeks, XXXX XXXX XXXX eventually stoped answering emails after the US banned travel to the XXXX. Credit card company ( capital one ) says that because they did not confirm our cancellation, I can not be refunded. I send all of the email correspondence to capital one but they were no help on the matter.