23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to submit a complaint against [ Company Name ] regarding an issue I encountered with their services. Below, I provide a detailed account of what transpired : On [ Date ], I entered into a contract with [ Company Name ] to purchase [ Product/Service ]. As per the agreed terms, I made a payment of [ Amount ] on [ Date ] through [ Payment Method ]. However, despite fulfilling my obligations, I have encountered several problems : 1. Delivery Delay : The company failed to deliver the product within the promised timeframe of [ Timeframe ]. This delay has caused inconvenience and frustration, as I had made plans based on the expected delivery date. 
2. Product Defects : Upon finally receiving the product on [ Date ], I discovered several defects. [ Describe the specific defects or issues you encountered with the product ]. These defects render the product unusable and fall significantly short of the quality and functionality promised by [ Company Name ]. 
3. Lack of Customer Support : When I contacted their customer support on [ Date ], I experienced extreme difficulty in reaching a representative. The phone lines were consistently busy, and my emails went unanswered for [ Number of Days ]. This lack of responsiveness has added to my frustration and has hindered my ability to resolve these issues in a timely manner.

I have attempted to resolve these matters directly with [ Company Name ] by contacting their customer service department on multiple occasions. However, my attempts have been unsuccessful, and the company has not taken appropriate steps to address my concerns.

I kindly request that the CFPB intervenes in this matter and communicates my grievances to [ Company Name ]. I seek a resolution that includes : 1. Full refund of the purchase amount of [ Amount ]. 
2. Timely replacement of the defective product with a fully functional one. 
3. Improved customer service and responsiveness from [ Company Name ] in order to address future consumer concerns efficiently. 

Attached to this complaint, please find copies of relevant documents, such as receipts, correspondence, and any other evidence supporting my claim. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your assistance. 

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

Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. XXXX  has received 90+ requests for these Nissan records in the past 188 days. Upon phoning XXXX XX/XX/21 XXXX 's agent XXXX employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these Nissan records XXXX verified existed.
Product: Debt collection

On XXXX XXXX Year XXXX, I the consumer initiated a consumer credit transaction with CAPITAL ONE BANK USA, an institution that was given instructions by I the consumer to extend myself the credit line of minimum XXXX USD. 
Throughout the history of the consumer credit transaction I initiated, I called out the violation of my federal protected rights and violations of federal law done through and by this institution through the use of False or Misleading representations, not providing documentary evidence when requested through the agencies of XXXX, XXXX and XXXX of the documents, correspondences, books of accounts with financial and corporate records of the consumer credit transaction initiated by I, the consumer and natural person. 

These violations listed include but are not limited to 15 U.S. Code subsection 1692e, 15 U.S Code Subsection 1692d, 18 U.S. Code subsection 1963.
Product: Checking or savings account

On Saturday XX/XX/2023 XXXX dollars was taken out of my Synovus account without my authorization showing up as if a transaction happened at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX when I had never visited that branch According to them after just using my card once in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ATM someone was able to steal my information The withdrawal was not obvious to me at first since I usually turn off my cell phone on Saturdays but after filing a complaint with synovus they replaced the XXXX dollars XX/XX/2023 I received a call saying they were going to close my account I was never given an explanation as to why the address of their XXXX XXXX XXXX branch reflected on the withdrawal nor why they took measures to close the account they still owe me XXXX cents sent to my account after it was closed I contacted XXXX the branch manager weeks after and she denied being the manager and denied knowing anything about a check
Product: Debt collection

I received a letter from a debt collector in reference to a debt that did not belong to me. I was also never notified of any past due balance with the original company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my experain report and noticed 9 inquiries that do not belong to me, I reached out the the companies as well as the credit bureaus to have these matter addressed and rectified. Not a single action has been taken as if identify theft is not a crime and it should be handled as such! Due to these matters my life has been basically put on pause! If I dont have the money I need I cant even apply for any credit due this! I would like for this matter to be addressed as soon as possible!
Product: Mortgage

My wife & I entered into a ratified contract on XXXX XXXX, 2015 with a seller to purchase our home in a short sale subject to approval of the first XXXX 1st XXXX trust lender, XXXX XXXX and the 2nd trust lender, PNC. 
On XXXX XXXX, 2015 the first ( 1st XXXX trust lender, XXXX XXXX approved the short sale and the 2nd trust lender, PNC, was to be notified of the approval ( see attached " Short Sale Approval by 1st Trust Lender '' ). 
PNC 's approval of the short sale was formally requested shortly thereafter. 
As of today, XXXX XXXX, 2015, XXXX XXXX XXXX XXXX weeks later PNC has not approved the short sale with a {$12000.00} payoff despite the lack of any equity for their 2nd trust loan. 
In fact, PNC has not responded to the calls and emails of the attorney for the seller for over a week ( see attached " Short Sale Status from Law Office of Seller XXXX '' ). 
I believe PNC has an obligation to approve the short sale in an expeditious manner. 
Please help us in any way you can to prod PNC to move forward on the short sale approval.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer services and unfair practice, which violate the consumer financial protection act ( CFPA ) specially, Cash app failed to take timely and effective measures to prevent and to address fraud on there 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: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies. I am writing to formally dispute several inaccurate accounts listed on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions. Specifically, I am referring to the accounts : XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I have previously disputed through XXXX letters without receiving any response. 
Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( 5 ) mandates that if any information is found to be inaccurate or incomplete, it must be corrected or deleted. 

As per these statutes, I assert that the information reported for XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX is not 100 % accurate across all three credit reporting agencies. Therefore, it is my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be addressed within 30-45 days. Should my request not be fulfilled within this timeframe, I will be compelled to initiate litigation to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

Open date on credit report is XX/XX/year> and the date last reported was XX/XX/year>. The amount allegedly owed is {$3400.00}. The collection was added to my credit report and this account is consistently being updated. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit card or prepaid card

Chase offers a XXXX credit card, advertising additional rewards for spend at XXXX hotels  ( 4x vs 1x for all other spend ). In late XXXX, XXXX announced a partnership with XXXX XXXX XXXX  ( XXXX  ). In XXXX of XXXX, Chase updated their credit card terms to include these XXXX properties as eligible for additional 4x rewards. 

From an email sent directly to me on XX/XX/XXXX advertising this : Subject : Cardmembers Earn More in More Destinations Excerpt from body : " As a World of XXXX or XXXX XXXX XXXX, you can now earn even more when you stay at participating XXXX hotels. 
4X World of XXXX Credit Cardmembers can earn 4X points on eligible spend at participating XXXX locations. * '' This matches terms on the current credit card page at https :  //creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card : " Bonus Points : You'll earn 4 World of XXXX Bonus Points for each {$1.00} USD spent on purchases made at XXXX hotels and resorts ( including at participating restaurants and participating locations that are owned, managed, franchised or licensed by XXXX Corporation or its subsidiaries or affiliates ) and at participating XXXX properties. " XXXX XXXX XXXX '' or " XXXX '' means properties affiliated with XXXX XXXX XXXX of the World Limited that participate in the World of XXXX Program. " Participating XXXX  properties '' means any hotel or resort that is affiliated with XXXX and participates in the XXXX of XXXX XXXX. For more information about participating XXXX properties, please https : //hyatt.com/promo/small-luxury-hotels-of-the-world. '' I have stayed at several participating XXXX properties, and based on this advertisement, used my Chase card. 

On XX/XX/XXXX I stayed at XXXX XXXX. {$410.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX  XXXX. {$1100.00} charged on XX/XX/XXXX. 
On XX/XX/XXXX I stayed at XXXX XXXX XXXX. {$300.00} charged on XX/XX/XXXX. 
All three of these charges failed to post the advertised 4x rewards ( only posting as 1x for every day spend ). 

I have tried to contact Chase suppose on XXXX. First response from Senior Service Specialist XXXX just made up an excuse that hotels have to be owned by XXXX to qualify ( nonsensical as XXXX rarely owns any hotels, and contrary to published terms ). Following up, XXXX claimed Chase doesn't have the ability to determine what is a XXXX hotel, and therefore blamed XXXX. Unfortunately the locations listed are listed by XXXX as participating and linked to by the Chase terms ; therefore, failing to meet their advertising and contractual terms of the card.
Product: Credit reporting or other personal consumer reports

XXXX did a XXXXcredit report update on my account as of XX/XX/2024 and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 


They are showing a XXXX XXXX account ending in XXXX with a balance of {$52.00}. And they account was paid in full as of XX/XX/2024
Product: Debt collection

XXXX paid me a quarterly sales bonus based on the revenue I influenced as a Technical Specialist, and later told me that it really was an " advance ''. I never consented to or signed a contract that said I agreed to be compensated in such a bizarre manner. After the money hit the back, I naturally assumed it was my mine and spent it. Since they had a bad year, they claim I owe them {$2800.00}. Neither the creditor, CAINE & WEINER COMPANY INC, or the original creditor, XXXX XXXX XXXX can show I owe them this money contractually. 

They put a collection on my credit report, instantly dropping it by XXXX points. Candidly, what you have here is a XXXX dollar company harassing a former employee under dubious pretenses.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed with Equifax about some accounts on my credit report. I sent them a certified letter that was signed and recieved on XX/XX/2019. 
I then recieved the results to the investigation that is dated XX/XX/2019. 
But I never recieved an updated credit report from Equifax to further examine the changes. It has been a great problem to not get the information that I am allowed to have after the first dispute to follow up with my second dispute, although it is currently in progress without the cooperation of Equifax.
Product: Mortgage

Servis One , Inc., d/b/a BSI Financial Services is a Repeat Offender they have signed a CFPB consent order indicating that they are aware of the problems, but they continue to behave in a way suggesting that they are ignoring the authority of the CFPB and BSIs responsibility to abide by the consent order. 

This document is part of an ongoing complaint I have filed against BSI Financial, wherein BSI has made an error in the accounting of my impound accounts. To summarize, BSI has debited my account three times for {$2500.00} each time, and two of these are legitimate property tax payments, but the third is inexplicable. Therefore, BSI needs to credit me for their {$2500.00} error. However, instead of evaluating the information and reviewing the accounting, BSI keeps fabricating explanations and never provides documentation to support their fictitious claims, because there is no logical explanation for the debit other than an accounting error on BSIs part. 
BSIs most recent fabrication attempts to dismiss the problem by claiming that the extra debit was a back-payment for unpaid XX/XX/XXXX property tax. But BSI provides no supporting documentation to defend this claim. 
Below, is my supporting documentation showing that BSIs claim of back-payment of taxes is clearly wrong. The taxes were paid in XX/XX/XXXX ( on time ) through my impounds held and paid by my mortgage service provider at that time : XXXX XXXX XXXX XXXX. BSI was not even involved with my mortgage until XX/XX/XXXX after I had refinanced my home loan and the new loan was sold to BSI for mortgage servicing. 
My series of documents below shows : 1. A copy of property tax bill indicating {$2500.00} amount due by XX/XX/XXXX ( would be delinquent after that date ) 2. Mortgage statement from my credit union ( which was the loan servicer at that time ) indicating a payment of {$2500.00} for property tax Bill 2 corresponding to the payment due in XX/XX/XXXX. 
3. Copy of property tax statement indicating that the payment was applied on XX/XX/XXXX. 

These documents prove that BSI did not make a {$2500.00} payment toward XX/XX/XXXX taxes, since : 1. The taxes had already been paid on XX/XX/XXXX and were not delinquent 2. BSIs dollar amount does not match the tax amount due ( {$2500.00} vs {$2500.00} ), and the County will not accept tax payments that dont match the amount due 3. The property tax statement shows that payment was collected on XX/XX/XXXX which is ten months prior to when BSI claims to have sent a payment i.e. BSIs claim is patently false In addition, BSI has a history of mismanaging escrow/impound accounts as demonstrated by a {$200000.00} fine levied by the Consumer Financial Protection Bureau ( CFPB ) in XXXX for severe escrow mismanagement. In fact, BSI is currently under a five year consent order associated with the XXXX penalty. But a review of the XXXX XXXX XXXX XXXX information on BSI reveals hundreds of complaints of a similar nature - all clearly demonstrating BSI 's disregard for the consent order.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Flied A Lawsuit Against Me Once I Moved To A New Address Due To Life Circumstances. The Summons Was Sent XX/XX/2023 Regarding A Card with XXXX XXXX XXXX XXXX. I Honestly Don't Know Of Any Debt With Them And Never Recieved Coorespondence Before I Moved. I Also Never Recieved Proof Of Ownership Of The Debt.They Filed The Lawsuit With Superior Court Of New Jersey Law Division ( Civil Glassboro ). They Have Sued Me In The Pass In My Twenties For An Very Old Debt And Had My Pay Docked .They Are Known For Filling Up Court Rooms With Residences Of XXXX XXXX XXXX XXXX And XXXX  XXXX Who Don't Know Their Rights And Getting Money From Ppl Who Don't Have It. I Even Answered The Summoms XX/XX/2023 To Require Proof And They Just Answered Back With Interrogation Documentation. I'm A Single Mom Now Going To Court To Defend Herself Because I Can't Afford Legal Representation Because Of These Preditory Tatics And It's Really Troubling For Me.