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

XX/XX/2018 changed the due date from XXXX to XXXX of each month and it in writing. i paid one month XXXX short and trying charge me almost 1000 they have charged me late fees every month because it not paid at the beginning when not due until the XXXX. See all attached docs.
Product: Vehicle loan or lease

During my loan months Wells Fargo charged me late fees when there wasnt and repossed my vehicle.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I have sent XXXX and Experian as well as XXXX multiple letters challenging these accounts on my account by XXXX ... There are 5 in total ... XXXX, XXXX, XXXX, XXXX, XXXX. XXXX could not validate these accounts and deleted them. Its my understanding that Experian should follow suite as they nor XXXX can validate these debts. This is a clear violation of my rights and i demand that they delete this off my credit report and never report it again.
Product: Credit card or prepaid card

There was a package that was temporarily lost I ordered via XXXX back on or aroundXXXX XXXX  XXXX for XXXX in total, XXXX for the transaction and the remainder for exchange fees. 

The recipient initially told me the package was lost and not delivered to the right location. This was in error. I had reported the package lost to Amex, who dispuited the charge. They reached out to XXXX, who placed a block on the sender, XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX has been unable to conduct business effectively because AMEX claims that their system was not sending automated communication to XXXX the issue is resolved. The dispute was rescinded on or around XX/XX/XXXX. Payment was made to AMEX on the accurate charge back on XX/XX/XXXX. This money is still not sent to XXXX via XXXX. AMEX is either intentionally or unintentionally keeping the funds. 

I have called weekly about this issue and spoken with a supervisor most recently on XX/XX/XXXX saying a technical issue never seen the cancellation to XXXX. 

This is well beyond unacceptable.
Product: Prepaid card

There are multiple transactions on my account that I need to dispute. Bluebird American Express has only disputed some transactions. Regardless of the reason for the merchant not wanting to dispute my transactions they are required to, it's my account. They refuse to move forward and process my disputes. I have plenty more transactions that need to be disputed. I was sent an email stating my credits were transferred per my false request. I then received and email stating that my account was temporarily locked. They had now closed my account permanently after my call telling them they violated my rights. I have had this account for over ten years and this is unacceptable.
Product: Mortgage

Hello, I have a business loan with Wells Fargo Bank which I have had since 2015. The loan has been through automatic draft pay through my commercial checking account with Wells Fargo. When I visited two local branches in XXXX, Florida. I was informed I can not view the account on-line or receive monthly statements. I spoke with both branch managers and had the situation escalated. After waiting 3 days I received a call from both managers and was informed they could not provide access to my account or a printout of the monthly payments I had made over the previous five years. I was told only a screenshot would be mailed to within 7-10 days. I am concerned of fraud and/or not receiving credit for the 5yrs of payments I've made to Wells Fargo. Further more, I need to calculate interest paid for tax purposes.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX XXXX
Product: Debt collection

I pulled a copy of my  XXXX  credit report and learned that  Alliance One sl ammed my credit report  XXXX  different times for the same  XXXX  account. I called them to ascertain what this was about because they have never contacted me, or given me an opportunity to dispute this debt. I was told by the representative that those  XXXX  different accounts actually posting in my credit profile were invoices from the same  XXXX  account. How nefarious can you be? That is like reporting each invoice for a delinquent  XXXX  account. They know better! In addition to that, I do not have any recollection of this debt. They have never attempted to contact me prior to reporting those  XXXX  invoices to my credit profile. I have never been treated by the reporting medical facility. I am insured with   XXXX  . Any medical bills should have been reported to them. This is a serious violation of my rights because this collection agency knowingly slammed my credit report with  XXXX  different entries for  XXXX  account, according to their representative. This was a hideous attempt to hold my  credit score hostage t o collect on a debt. I am requesting that they are severely sanctioned because it is no telling how many other American citizens that have treated the same. When I spoke to  Alliance One, I  adamantly denied responsibility for this debt, and I requested that they not further report this in my credit file. At the time, they were only reporting to  XXXX .  Imagine my surprise w hen I learned that now  XXXX  and  XXXX  have the same manner of reporting in my credit file. This was after they were told to remove it from my   XXXX    profile. Please instruct them to remove this derogatory and erroneous information from all  XXXX  of my credit reports. Furthermore, discipline this collection agency and remove their ability to do business in this industry. Thank you!
Product: Checking or savings account

I had an account with Regions Bank ending with XXXX. I wrote checks to XXXX XXXX in XX/XX/2011and I am requesting copies of those cheeks in the amount of {$1000.00}. I am requesting copies of those checks, because I wrote two for the same amount for two reasons.. 
One was for child support and the other was for bankruptcy. I need copies of those checks sent to me. I also need copies of checks sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Payments were made via wire to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach and subsequent identity theft, which resulted in the unauthorized opening of several fraudulent accounts and credit inquiries under my name. As allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. Bankruptcy XXXX XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$280.00} XXXX. XXXX XXXX XXXX XXXX 
o Account XXXX : XXXX o Date Opened : XXXX o Balance : {$36000.00} XXXX. Bankruptcy Chapter XXXX o Case Number : XXXX o Date Filed : XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Balance : {$2000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX. XXXX XXXX XXXX o Date of XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion.

Please delete the following accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to cancel my subscription but there is not one centralized number. I was directed to some XXXX people not in our country. I gave them my member number and they wanted my full social, full date of birth, credit card number. That is NOT secure and all that info should not be required to cancel my subscription! I had to cancel through my bank. This seems like a phishing scam. I should be able to cancel through my account online and they do not let you. I canceled my bank card to try to cancel and they were able to get into my bank account even though I haven't even received my new card yet. This need to be resolved immediately!
Product: Credit reporting or other personal consumer reports

These collections and charge-offs were all on settlements and after XXXX, they came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App

( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actio
ns have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On Wednesday XX/XX/23 someone stole from my checking account ending in XXXX {$2200.00} to a XXXX XXXX XXXX XXXX. I called filed a dispute, they promised the account would be placed on hold- saying that no more charges could go through. Then the next day, Im assuming the same thief, stole {$730.00} and {$6.00}. I called that day they said it wouldnt actually go through cause the account was on hold. Today it went through. I called again, filed another dispute, and the representative in disputes department said they couldnt actually stop further transactions so she sent me to the checking department where they informed me that it would cost me {$33.00} to stop transactions and place a hold that will stop the thief from stealing my money. This is beyond reprehensible to me that Id pay for someone to stop stealing my money. Do your job, stop all future charges to this account until I can close it after switching my direct deposit from my employer to a different non compromised account. Absurd you guys are making me call in every day for a new dispute. Do your job, protect my money
Product: Credit card or prepaid card

I HAVE BEEN A CITI CARD HOLDER SINCE XXXX. I PURCHASED THE CREDIT PROTECTOR FOR THIS ACCOUNT ALSO IN XXXX. I FILED A XXXX CLAIM XX/XX/XXXX. WHEN I FILED THE CLAIM MY STATEMENT BALANCE WAS {$9400.00}. ACCORDING TO CITI & CITI PAYMENT SAFEGUARD PROGRAM PAYMENTS WERE MADE TOTALING {$5100.00} FOR 24 MONTHS. AT THE END OF THE 24 MONTHS THE PROGRAM IS SUPPOSE TO CREDIT THE ENTIRE BALANCE IN FULL WHICH ACCORDING TO THEM IT WAS {$4300.00}. IF YOU ADD THOSE TWO TOGETHER, THEY DO EQUAL WHAT MY STATEMENT BALANCE WAS {$9400.00}. I RECEIVED A STATEMENT FROM CITI XX/XX/XXXX STATING I STILL OWED A BALANCE OF {$2400.00}. ACCORDING TO CITI PAYMENT SAFEGUARD PROGRAM MY STATEMENT BALANCE DATED XX/XX/XXXX WAS {$4300.00} AND THAT'S WHAT THEY PAID. THIS WAS NOT TRUE. A REPRESENTATIVE TOLD ME MY BALANCE ON XX/XX/XXXX WAS {$6900.00}. I'VE REACHED OUT TO BOTH COMPANIES AND THEY CAN'T GIVE ME AN ANSWER AS TO WHERE THIS EXTRA {$2400.00} CAME FROM OR WHY IT WASN'T PAID IN FULL. BOTH COMPANIES BLAME THE OTHER. MY HUSBAND AND I AFTER YEARS HAVE JUST FINALLY GOTTEN OUR CREDIT IN GOOD STANDINGS BECAUSE OF HIS ILLNESS IN XX/XX/XXXX AND NOW IT'S GOING TO BE RUIN AGAIN. I DON'T FEEL I SHOULD HAVE TO PAY THEM BECAUSE I PAID DEARLY FOR ALL THOSE YEARS FOR THIS PROGRAM.
Product: Mortgage

CFPB online letter XX/XX/XXXX The years since my XXXX XXXX diagnosis and XXXX in XXXX I have lost my career, after which my husband became my primary caregiver. We declared bankruptcy, XXXX the following XXXX, and eventually secured my XXXX federal XXXX benefits this year ( XXXX ). 

As we prepared to sell our home last XXXX ( XXXX ) the head of our church congregation sent a {$700.00} mortgage payment for that month to one of two addresses listed on the bill. He chose the wrong address, and then sent two payments ( {$1400.00} ) on one check the following month ( XX/XX/XXXX ). 

We closed on our home XX/XX/XXXX, paid off the mortage, and moved to XXXX, Mississippi to find more affordable housing, Our latest bid for another home there was accepted last month ( XX/XX/XXXX ). Our closing date was set for XX/XX/XXXX, if I recall correctly. 

On XX/XX/XXXX, and again on XXXX, XXXX XXXX our loan officer called to inform us that he could not proceed with the purchase of our new home ( now still under contract, by the grace of XXXX ) without resolving what was showing my ( XXXX XXXX 's three credit reports as a 30-days late payment from our former lender, Shellpoint Mortgaging Services ( formerly NewRez ). 

Shellpoint asked us to send a letter to resolve the problem. We overnighted that letter the same day ( XX/XX/XXXX ). We have had no word on their decision as yet. We have called at least three times. Anything you can do is appreciated. 

XXXX XXXX XXXX, Formerly XXXX XXXX XXXX until XXXX. 




ID FOR COMPLAINT SENT TO SHELLPOINT MORTGAGE SERVICING XXXX
Product: Checking or savings account

My Checking account with Navy Federal was Fraudulently debited XXXX by XXXX XXXX XXXX XXXX on XX/XX/24 while I was on a Cruise Vacay in XXXX XXXX I did not authorize or make this charge and have reported it to Navy Federal Fraud Dept with no resolution. They have denied my Claim twice and fail to provide me with details of the investgation, contact info of XXXX XXXX XXXX XXXX XXXXXXXX XXXX any receipts of this Transaction. I have repeatly requested this information and Navy Federal refuses to provide this information to me or reimbuse me back my funds.
Product: Student loan

I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.
Product: Vehicle loan or lease

I leased a 2016 XXXX XXXX XXXX ( XXXX : XXXX, Account # XXXX ) from XXXX XXXX XXXX XXXX starting XXXX XXXX, XXXX and maturing XXXX XXXX. I opted to extend the lease. I am ready to turn in the vehicle but I was informed by the leasing company that I can not get the prorated monthly amount back, even if i have returned the car. In other words, to avoid paying the financing company money for days in which I don't have the car, I'd have to return the vehicle on the exact date of the XXXX each month. I ought not have to pay for days in which I no longer posses the vehicle. This is a common sense request, and one that ought to be extended to every consumer of an auto lease.
Product: Credit card

I have a US Bank Platinum Visa Card.

For the last XXXX months- if not more - I have been charged double interest in the amounts of {$37.00} & {$27.00} on XX/XX/year> and again on XX/XX/year> in the amounts of {$33.00} & {$30.00}. 

I have never in my life taken out a cash advance or done anything else that would require me to be charged twice for interest each month. The bank has been of no help solving this either. 

They also are not willing to extend the grace period to help me pay it off as that was another suggestion I had to resolve the issue. The response was a rude " No, if that was the offer - that's the offer. It doesn't change. '' I've has so many issues with US Bank that it's getting out of hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my vehicle loan with KIA MOTORS FINANCE was paid off in full, after the loan was paid off. KIA MOTORS FINANCE decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX XXXX and XXXX the Charge off. 
On XX/XX/2020 I contacted KIA MOTORS FINANCE of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 KIA MOTORS FINANCE again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of KIA MOTORS FINANCE misrepresentation reported to the bureaus.
Product: Debt collection

The Company name is Apelles llc a collection company they calls me everyday about a bill with regions bank which i know about and i told them i was on a fixed income and it also contain overdraft fees which was of supposed to have been taken care of from regions bank i think i owe about XXXX dollars i have made a payment on the account and they calls me everyday at XXXX waking me up they even called today, i want them to stop worrying me everyday i was under the impression that a person is only supposed to be contacted once a month the number they calls me from is XXXX they have called 4 times this week please help mw with this issue the cost of living here in Mississippi is awful and we do not get any help on food i am disable and get a check once a month it is hard to choose between medicine and food and bills i had to stop taking some of my medicine because i could not afford it. 

Thank you XXXX XXXX