23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

FROM THE DESK OF XXXX XXXX XX/XX/XXXX Credit Card Fraud Dept. 
Barclays BankXXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Credit Card ending XXXX XXXX XXXX SS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX To Whom it May Concern, Respectfully request that you reopen the credit card fraud investigation referenced above due to the following. Also submitting these documents to your CEO office and the Consumer Fraud Protection Bureau and XXXX. 
Initially reported card lost and not in my possession on XXXX XXXX after reviewing account. 
Disputed all charges from XXXX XXXX forward ( agent did not dispute all ) ( agent error ). ( {$2200.00} ) Card was fraudulently used for purchases from XXXX XXXX XXXX. Please note that there was not a Travel Notice placed on account. Your internal anti fraud monitoring should have flagged this activity as suspicious. 
Pattern of spending not inline with previous purchases as massage parlors, liquor stores, etc. Again anti fraud monitoring should have flagged this activity as suspicious at the least. 
Balance and frequency of spending as the card was only previously used for XXXX XXXX in the last year. Other than airline tickets I have never run a balance higher than maybe {$150.00}. 
Submitting documentation that proves that I was not in location where purchases were made. This includes commuter receipts for travel to and from work in New York as well as a trip to Alabama which includes XXXX, XXXX and restaurant expenses that indicate could not have made the referenced charges. 
Have requested a letter from my Corporate HR that will also prove I was in New York at work when these charges were fraudulently made. 
Additional proof and verification can be provided for additional spending during these dates for day to day expenses that would once again prove I was in New York and not in XXXX  or Florida during these dates. 
Sincerely yours, XXXX XXXX XXXX XXXX XXXX # XXXX B BRIARWOOD, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company XXXX XXXX XXXX XXXX mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with Unifund CCR Partbers A XXXX XXXX XXXX prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named Commonwealth Financial Services. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, Commonwealth Financial Services. To date my letter  has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.
Product: Mortgage

The issue in question began back last year when we received a letter from Nationstar stating that our loan was being sold and that we would be contacted by our new provider. However, after a month with no response from any such provider we were finally notified that Nationstar was going to still be our Mortgage provider ( apparently a new investor within Nationstar was going to buy our loan ). This caused us to be ONE MONTH behind in our payments. We made a payment arrangement directly with Nationstar/Mr. Cooper. 
Nationstar agreed to make arrangements and an agreement was reached where we would pay the amount of {$1200.00} for four months which began in XX/XX/XXXX. This would make up the missing payment of {$980.00}. The payment of {$980.00} ( regular  payment ) would then resume in XX/XX/XXXX. This payment was set up completely by the Nationstar Representative. We upheld the agreement and made our payments per the agreement. 
1. The first made on XX/XX/XXXX in the amount of {$1200.00} 2. The Second made on XX/XX/XXXX in the amount of {$1200.00} 3. The Third made on XX/XX/XXXX 4. The fourth and final payment made on XX/XX/XXXX in the amount of {$1200.00} The XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX XXXX for a total of XXXX XX/XX/XXXX Payment was made XX/XX/XXXX {$980.00} Also on XX/XX/XXXX an additional payment was made in the amount of {$980.00} which should have gone for the XX/XX/XXXX payment. HOWEVER, it appears that Mr. Cooper/Nationstar applied it ( XXXX ) completely to principal. This is causing me to be ( 1 ) One month behind On XX/XX/XXXX a payment in the amount of {$980.00} was paid for the XX/XX/XXXX Payment they are claiming it is for XX/XX/XXXX. 
On XX/XX/XXXX a payment in the amount of {$980.00} was made for the XX/XX/XXXX Payment they are claiming it is for XX/XX/XXXX On XX/XX/XXXX a payment in the amount of {$980.00} was made for XX/XX/XXXX payment. they are claiming it is for XX/XX/XXXX On XX/XX/XXXX a payment in the amount of {$980.00} was made for the XX/XX/XXXX Payment. they are claiming it is for XX/XX/XXXX on XX/XX/XXXX a payment in the amount of {$980.00} was made for the XX/XX/XXXX payment. They are claiming it is for XX/XX/XXXX On XX/XX/XXXX I spoke directly with their  customer service representative XXXX XXXX. I was asked to email her my bank statement which I did She claims to have submitted a reversal for the " missing payment '' but She ( XXXX XXXX ) claims in an email received this date XX/XX/XXXX that they will NOT credit me with the payment. 
I have the email correspondence from her. Every payment was made on time as agreed and they even claim to have refunded money back to me which I have not received. The Accounting is wrong on this account and I have sent letters, faxes, and emails attempting to straighten it out. It should be noted that this loan was modified prior to Nationstar/Mr. Cooper acquiring this loan. It is NO LONGER a HELOCK loan it was modified prior to them acquiring it. They made a mistake and will not fix it.
Product: Checking or savings account

On XX/XX/year> I opened a XXXX XXXX XXXX with US Bank with a welcome promotion stating that I would receive a {$400.00} bonus after I had completed a direct deposit of {$5000.00} or more ( paycheck, government benefits etc only ). I signed up with this account along with a colleague of mine. 

I transferred {$5000.00} from my first paycheck after opening to US Bank and it was received on XX/XX/year>. 

I called US Bank around XX/XX/XXXX asking if there were any complications with the promotion as my friend had transferred his paycheck to US Bank and received the promotional offer per the terms in the past couple of days but I hadn't. The representative was very nice, confirming the promotion was attached to my account but remining me that it can take 60 days to pay out the funds from opening the account. 

On XX/XX/XXXX, I am filing this complaint as the bonus funds have not been posted. In my experience previously, the complaint takes about XXXX days to be routed to the financial institution so the 60 day timeframe should be satisfied by the time this complaint is received.
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 dec as they did not comply with or re son XXXX  uirements 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: Student loan

On XX/XX/XXXX, I realized that I needed the due date for my student loan payments to align more efficiently with my monthly paycheck date. The same day, I submitted a request to Aidvantage to update my due date to the XXXX of every month. The same day, I received an automated response stating the loan servicer was experiencing higher than normal volume and that they would be happy to honor your due date change request, provided that your account is current and the payment due date you're requesting is on the XXXX through the XXXX day of the month. This automated response also stated the new payment due date may not take effect until your next monthly billing statement and you may need to make a payment based on your current due date before the new date becomes effective On the date of the request, XX/XX/XXXX, I had made all payments in full and on time. I had even paid more than the amount due on multiple occasions in an effort to reduce my principal amounts. XXXX response is unclear and inefficient. First, they say they will honor the request, but then say the request XXXX not take effect until the next pay period. Is this an acceptance of my offer for new payment terms or not? Regardless, I was unable to make the payment due on XX/XX/XXXX. As a result, the portal stated that my payment was overdue/late. This is concerning as it could impact my credit score by being reflected as a late payment. On XX/XX/XXXX, I made the outstanding payment. On XX/XX/XXXX, I resubmitted the request to change my due date to the XXXX of each month, but received the same automated response. It is now XX/XX/XXXX and aidvantage is still demanding i make payments on the XXXX. This is not feasible for me and could have severe ramifications on my credit score. As a first generation student with a recently deceased father and a chronically ill mother who never owned their own home, I recognize the importance of a good credit score. I am attempting to set mutually beneficial terms with Aidvantage for the repayment of my loans, even if it means I die in debt. However, their lackluster customer service and inability to fully process simple, basic claims puts me, my family and my future plans at risk.
Product: Vehicle loan or lease

On XXXX I was contacted by LGM via text message, informing me about a payment that was past due {$580.00}. I responded asking the person to contact me XXXX so the payment can be made. I did not receive a call however I did receive an e-mail XXXX @ XXXXXXXX XXXX  regarding the payment. I attempted to log into the LGM website which redirects to another website " XXXX  '' which informed me that I did not have an account. I e-mailed the company informing them I was unable to pay via the website due to the system stating that I did not have an account. I felt it was unfair with regards to the late fee due to me not being able to access the account on-line. XXXX I contacted the company and spoke with XXXX. I informed him I was able to pay {$580.00} however not pay the {$27.00} late fee that was placed on the account XXXX. XXXX became combative however took the {$580.00}. He informed me that I must pay the late fee or the vehicle would be up for repossession. I informed him that I will pay the late fee at the time of the next full months payment in XXXX. I was informed that it was not feasible and the late fee must be paid now. Even after speaking to them, They continue to call the same day as well as send e-mails. It is now the XXXX of XXXX I have over XXXX plus e-mails from them. Over XXXX missed calls with at least XXXX text messages. I receive between XXXX call per day along with e-mails, contacting references and job verification. I was informed by the company that they could not wait for the late fee payment and the car would be up for repossession. I've been informed by XXXX XXXX, that he will be sending the information over for repossession, he also that they did not want and could not wait for the money amongst calling me a lair. Due to me not being able to accommodate the demand of pay now this is the consequence. After that conversation I was contacted another XXXX times by XXXX informing me of the same. XXXX XXXX, they did not want the money as the bank was not willing to wait. I informed him as well as XXXX, since they can not accommodate me. Let me know what day they want to retrieve the vehicle, due to I no longer want to receive the XXXX calls a day, harassing, threatening, etc. every day. I've asked them to please stop calling XXXX times a day as it is excessive. I reply back and answer with still receiving a call XXXX minutes- XXXX hour after we have spoke. This is excessive and it's harassment.
Product: Mortgage

The lender UWM has failed in its duty to pay the quarterly property tax/PILOT payments to the town in time although the tax is being escrowed. This has resulted in penalties which, despite UWMs promise, were paid from my account instead of bearing by them. Now the tax for the first quarter was due in XX/XX/2023 but they have failed to make a timely payment and I am receiving reminders from the town. I sent messages on XX/XX/XXXX with a reminder by a secured message and a phone call. 

This has happened previously last year where I had to spent countless number of hours in making them pay the taxes out of my escrow account. I have the supporting messages that I can provide should it be needed.
Product: Credit card or prepaid card

In 2017 I secured a {$1500.00} limit credit card with Chase per the recommendation of XXXX XXXX as a way to improve my credit rating and credit score. Every other week I pay the balance on the card in full. I have set up payments to be sent from my checking account at XXXX XXXX to Chase. I would check to see when funds were deducted from my checking account. Then I would receive notice from Chase the funds had been received and applied to my credit card account. Since day one Chase has arbitrarily placed holds on my card following a payment. There is no pattern to when the hold will be placed. Initially to solve the issue I would call Chase support. They would transfer me to another support person who would then call my bank to see if the funds had been sent. XXXX XXXX confirmed the funds had been sent, then the hold was removed. This scenario occurred the first year. Mid year two when this scenario would occur, I would call Chase costumer support and the initial person I would speak to would remove the hold. During the first two years reason for the hold being placed was : large dollar amount of the payment, payment amount was a certain percentage of my balance, payment amount was a certain percentage of my credit limit, payment amount was more than balance at the time of the payment. Chase could not tell me when holds would be placed. Now in year three the same scenario occurs, followed by the same process to solve the issue a Chase representative tells me they do not know why the hold has been placed on my count, they can not remove the hold, they can not tell me who I can talk with to get hold removed, they tell me they can not tell me policies have changed and they can not tell me where I can go to get information on holds. Thus my credit card has no available credit despite the balance is not at the limit. I can not use the available credit until Chase decides to remove the hold. In the meantime any automatic payments I have will be declined. Excuse me XXXX XXXX and Chase, how is this helping my credit? 
I have attached monthly statements below but they do not show that I pay my balance in full every other week.
Product: Debt collection

I received a text today ( XX/XX/21 ) from a law firm, called MVBA. I did not open the text, fearing it was spam bc my notification window described a law firm in Texas wanting to collect debt I had in XXXX, TX. 
I have never lived in TX, and the last time I was there was 25 years ago when I was XXXX years old. 
I searched online and found MVBA to be recognized as McCreary, Veselka, Bragg, & Allen. 
I believe this is a fraudulent firm. 
The message claimed to be from XXXX XXXX XXXX and the phone number was ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error ... XXXX   XXXX  ( reported duplicate on my credit report ), XXXX XXXX ( reported duplicate on my credit report ), XXXX   XXXX  ( reported multiple times on my credit report )XXXX XXXX XXXX ( reported multiple times on my credit report ), XXXX   XXXX ( reported duplicate on my credit report ) 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

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation.

The following late payment remarks require immediate correction : Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX XXXX  - Account # : XXXX Company Name : XXXX  - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Debt collection

This account, has been removed from my report! However, there saying that they are keeping it in there reports that I still owe this amount! Like I explain before, I would like to have prove that I told anyone to keep me enrolled in a class at XXXX college! If they were not going to remove it all together then they should have left it on my report, due to me just filing bankruptcy! I am trying to go back to school and this is a mess! I guess I have no choice but to contact an attorney to get this handle! Im not paying anything that I know I dont owe! So with that being said I would appreciate if someone from XXXX college, or m & m credit can send me proof that I requested to stay in a class, when I hadnt be attending the school in semesters! They are trying to rip me off! And I refuse to pay something that I know is not right! Also I will be calling the department of education to also report this!
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. Equifax refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted immediately.
Product: Debt collection

I paid the account with XXXX XXXX XXXX in full as everything was due up front before a dental procedure was done because they were out of network with my insurance. I then noticed months later on my credit report there was a listing for Financial Account Services Team for {$670.00} with the original creditor. I disputed it three times through XXXX and XXXX and the third time, I received a call from the company. I asked them to give me dates and to send an itemized statement showing me exactly what it was for. They threatened legal action but refused to send proof of the charges and still refuse to remove from my credit report. Ive attached an itemized statement dated XX/XX/23 showing XXXX balance due, nothing past due and that the {$670.00} is showing as a credit that was applied to the balance putting the account as paid over what was owed in the amount of {$20.00}.