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

This is my formal complaint to XXXX XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card

Bank not responding to original complaint. Refusing to provide any proof of action taken. Refiled my original complaint. Keep telling me I did not file in XXXX they said I did file and XXXX and they don't know why it was taken care of. Refusing to provide any documentation
Product: Money transfer, virtual currency, or money service

CashApp has had my account frozen for 6 months, Ive emailed them 5 times and no response. I am unable to send or transfer the money I have on there.
Product: Credit card

For the second time now Amazon has baited me with payment plan on my credit card and then processed the full amount purchase on my credit card
Product: Money transfer, virtual currency, or money service

Complaint for Moneygram Payment Systems Inc. 

I sent {$10000.00} to my daughters account in the XXXX reference # : XXXX on XX/XX/2022 and on my receipt it says that the money will be in her account on XX/XX/2022 or sooner but until now its already XX/XX/2022 but the money is still not there. Its a payment for the house and I am accumulating fees because of the delay. I called customer service 6 times but none of them could help me. The people I talked to just said that moneygram is doing an investigation and waiting for resolution, case # : XXXX and XXXX. I sent {$100.00} today and it went through no problem. I asked to cancel the transaction for the {$10000.00} but they said that it can not be canceled because the money was sent to the bank already. I told my daughter to check with her bank and she went there personally and asked because moneygram told me that it was her bank who did not processed it. The bank told my daughter that there was no transaction made, because if there is, then it will just go directly into her account. Theres no one to talk to to speed up the process. Moneygram customer service said that the resolution takes 90 days!! I can not wait 90 days as I have to pay my house and I loaned that money myself. Please kindly help me to get a refund or have them deposit the money to my daughters account. Thats a lot of money and I dont know where to get the payment for my house. Your quick response regarding this matter would be very much appreciated. Thank you!!
Product: Mortgage

1 ) New Rez aka Shellpoint 's final mortgage loan payoff statements should be sent to the consumer showing 1 ) breakdown of the principle, interested, taxes and insurance paid. 2 ) the final balance of the mortgage showing as XXXX. Today, no final statement goes to the consumer so I have nothing to data enter into XXXX nor compare to the HUD XXXX form. 


2 ) New Rez aka Shellpoints monthly mortgage statement does not show the break down of interest and principle and impounds for past payments with the last date paid. TOday, a customer has to look at XXXX different places on the statement to put the information together. Fix the statements to show the PITI
Product: Credit reporting or other personal consumer reports

I have sent letters asking to fix or delete the information on my credit report and still comes back the same. I understand there are laws and rules but they are not following them and are harming me from moving on in the future. Experian keeps sending back the same info and haven't changed anything from letters and on websites I even called twice a month trying to fix the problem on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment regarding the continued presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 15th time I have brought this matter to your attention, and yet, it remains unresolved, which is unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a grave threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redress. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX  for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my XXXX  insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of SS # XXXX the inaccurate information on my credit report has caused me alot of stress. I demand all of this unfair inaccurate information be removed from my credit report ASAP. 


XXXX. XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry please remove XXXX. XXXX XXXX XX/XX/XXXX unauthorized inquiry please remove XXXX. XXXX XXXX XX/XX/XXXX unauthorized inquiry please remove XXXX XXXX XXXX unauthorized inquiry please remove XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX acct # XXXX inaccurate remove ASAP XXXX. XXXX XXXX XXXX acct # 32 inaccurate remove ASAP failure to remove these damaging information will result in lawsuit. Consumer law 15 U.S.C 1681n a In general. any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Payday loan, title loan, personal loan, or advance loan

XXXX didnt lend me any money.So what do I owe.I dont owe anything They didnt lend me any moneySo why do they have a charge off on my creditThey didnt lend me any money Im taking this to federal court.This is a violation of my constitutional rights and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did XXXX investigations. 

Inaccuracies : Date opened High Credit Credit limit Last Reported Date Last Active Date of Last payment In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights. 

15.U.S.C. 1681 section 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.
Product: Credit reporting or other personal consumer reports

Credence Resource Management Collection Services is on my XXXX  credit report, while having my account frozen. I canceled my services with att on XX/XX/year> and started making payments in XXXX, XXXX. I am still making payments. Credence Resource Management Collection Services has violated all my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these Fraudulent items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Prepaid card

When I received my income tax with rushcard in XXXX. I had damaged my card and called for a new one, weeks later I notced I stI 'll have n't received my replacement card I called them and asked what was going on. They told me thy had already sent it out and I sold have reicieved it by now. They went on to tell me what address they sent it to wic was not mine. I had been usin the same address for rush card since XXXX. I do n't know how they got the one that they " sent it to ''. The balance of my account gets sent to me everyday via email and txts. I noticed that I had not XXXX a text from this card I never received stating my balance was XXXX cents. And immediantly called rush card to see what had happened. They told me my card had been activated and used. I told them that it was n't me who did it and tmso they hsd me file a dispute report for all transactions made on that card. It has been since XXXX XXXX that I have been dealing with this. Months later I was told by me calling cm rushcard to ask for an update they told me that all the funds I disputed was going to be returned to me wich was {$800.00}. I was happy, they then told me they will send me a new card. I waited and waited for it to show up and nothing came. I called them back and they said for security reasson I needed to send identification. All the documents were faxed to them and I still have n't received anything. Today I got an email saying that {$72.00} was credited to my account. I again immediantly called them to see why is it so low.?? They told me that there were only XXXX disputes that were fon in my favor. But months ago they told me that allll of t he disputed would be credited to me. I feel lied to, scammed, and chested out of my hard earned money. This isnt fair. I do n't trust anything they say. And I demand answers please help me. It 's been since XXXX I have been waiting for all of my money and today I found out that I 'm only getting not even 10 % back. My email is XXXXXXXXXXXX my phone number is XXXX. Thank you
Product: Debt collection

I recently logged into my credit report and discovered that my credit score dropped by XXXX points due to an illegal and unverified collection claim of {$3100.00} from Credence Resource Management. I have never done business with this company, nor have I incurred any debt with them. This collection was never communicated to me prior to its appearance on my credit report, and I have not received any documentation or validation of this debt. I am disputing this claim as it is entirely false and has negatively impacted my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX Please remove this bankruptcy from my public record
Product: Credit card

I saw on my credit report that there was a huge drop in credit score, and investigated to find that some scammer opened 2 lines of credit and one line of personal loan under my name, using my social security and birth date. I contacted the bank that the two credit cards were filed under, capital one, and they were able to show that it was fraud for one of the cards, but not the capital one platinum card. I have provided ample evidence, including the email, phone number, and address of the believed perpetrator, and capital one keeps on saying that they do not see fraud in what I provided. I live in XXXX, CO, and the transactions all took place overseas, and in California, ( where I believe the scammer lives ). I even provided the scammers email, phone, and address, and was hoping for some sort of help but they keep on saying the case is closed and I am responsible. I have a online statement I had to break into the scammers capital one online accoutn ( he used a lot of my information so I was able to guess some security questions ) and saw that he changed all of the information for me to him so I would not catch him, my address is XXXX XXXX XXXX, XXXX, XXXX CO XXXX, and I even provided to capital one that the statement on the e capital one app doesnt even match mine but they didnt care. The address of the perpetrator I believe is XXXX XXXX XXXX, as shown in the pictures below. I never authorized any of those XXXX transactions, and I am a XXXX, who do not have sufficient funds to pay for someone elses charges. Please help me out, thank you. 
Case number is XXXX for reference with capital one
Product: Checking or savings account

sallie mae Made A deposit In My XXXX XXXX XXXXXXXX Account. A Few months go by They Are trying to say the funds they made into my bank account is fraudulent with made my XXXX XXXX XXXXXXXX go into the negative now My XXXX XXXX XXXXXXXX has a debit hold on my account with prevent me to use my account regularly
Product: Debt collection

I received a letter from Resurgent Capital Services on XX/XX/XXXX about a debt on a XXXX XXXX XXXX  issued by XXXX XXXX XXXX XXXX  stating that I owe a balance of {$2900.00}. The current owner of this debt is LVNV Funding LLC.and was placed in Resurgent company for collections. This card was supposedly issued in XXXX. I have never had a credit card from this so-called bank and company and have never been contacted by mail, email, or phone about this issue to dispute it till now. I called, upon receipt of this letter, the Resurgent company and they wanted a plethora of personal information which I refused to submit to. This is a definite fraud situation and I am requesting an inquiry into this matter so it doesn't happen to other unsuspecting people.
Product: Mortgage

My issue is with Green Tree when I was having problems paying my mortgage. I have had issues with them repeatedly threatening me regarding my mortgage payments. Call me at all hours of the day, every hour. They took money from my bank account, when not authorized to do so ( I filed fraud charges with the bank and it was corrected ). They have forced me to pay the XXXX processing fee-in order to keep my house, many times over. They have refused to listen to me, or work with me in any way, called me a liar and threatened to evict me. 
I filed bankruptcy when my loan was still with XXXX XXXX XXXX, and I reaffirmed my mortgage at that time, they refuse to believe that, and have told threatened to evict me if I am 30 days late. They tell me I have to go back to my lawyer or the courts and get new paperwork for them ( it has been 4 yrs since filing ). They refuse to report my payments to the credit bureau, so my credit report shows this account is closed under chapter XXXX-when I am and have been making payments all along.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent in a dispute to transunion about 12 inquires that I didn't give permission to pull my credit. These inquires were not done by me. In my dispute letter I stated I wanted transunion to remove these inquires because they were not authorized by me, and they don't have any documents supporting these inquires. Transunion never responded at all. The Fair Credit Reporting Act clearly states that these 12 inquires must be removed because 1 : One I didn't authorize them, 2 : Transunion didn't response within the 30 days 3 : Transunion don't have any supporting documents proving I authorize these inquires.

The inquires are : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX -XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Excessive Late Payment Fee by Capital One Bank Date : XX/XX/2023 To : Consumer Financial Protection Bureau From : XXXX XXXX Complaint : Excessive Late Payment Fee on Capital One Bank Credit Card Brief Summary of Complaint : On XX/XX/2023, a single payment on my Capital One Bank credit card was inadvertently missed, resulting in a one-day late payment. Despite having a history of on-time payments and an active autopay schedule, Capital One charged me a {$40.00} late payment fee, representing 50 % of the missed payment amount ( {$80.00} ). This exorbitant fee is unconscionable and predatory, especially considering the short duration of the delinquency. 

Details of the Issue : I have consistently made timely payments on my Capital One Bank credit card, as evidenced by my autopay enrollment and past payment history. 
On XX/XX/2023, a single payment inadvertently failed to process, resulting in a one-day late payment for {$80.00}. 
Capital One Bank charged me a {$40.00} late payment fee, amounting to 50 % of the missed payment. 
I contacted Capital One Bank immediately upon discovering the missed payment, demonstrating my proactive approach to resolving the issue. 

Reasons for Complaint : The {$40.00} late payment fee for a single, one-day delinquency is excessive and unfair. No reasonable justification exists for imposing such a substantial penalty for such a minor and unintentional oversight. 
This fee bears no relation to the actual cost incurred by Capital One Bank due to the late payment. It appears to be solely a predatory practice designed to exploit consumers who experience temporary financial difficulties. 
The exorbitant nature of the fee creates a financial burden and discourages responsible financial behavior. Instead of encouraging timely payments, this practice incentivizes consumers to avoid Capital One Bank credit cards altogether. 

Requested Relief : I request the Consumer Financial Protection Bureau to investigate this matter and find Capital One Bank in violation of consumer protection laws. 
I urge the CFPB to order Capital One Bank to : Refund the {$40.00} late payment fee charged to my account. 
Review and revise its late payment fee policy to ensure fees are proportionate to the actual costs incurred and do not exploit consumers facing temporary financial challenges. 
I request the CFPB to take appropriate enforcement action against Capital One Bank to prevent such predatory practices from harming other consumers. 
Supporting Documentation : A copy of my credit card statement reflecting the late payment fee. 
My autopay enrollment confirmation. 
Any other relevant documents or communication with Capital One Bank. 
Thank you for your time and attention to this matter. I look forward to your prompt and thorough investigation. 

Sincerely, XXXX XXXX