23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I've recently began applying additional payments to my principal and the servicing company has done a poor job of applying it correctly, without me having to call and reinforce that the payment was sent to the principal. I've used the app/website each time to apply it and chose principal ONLY payment each time. They have either sent it to the suspense account or applied it to my monthly mortgage payment. 
XXXX {$2000.00} to Principal only and they put it in the suspense account. I called XX/XX/XXXX and the agent put in a research to have it moved. XX/XX/XXXX, and XXXX, it still hadn't been moved. On the XXXX, I got the same agent from the 1st time. He researched again. On the XXXX, I got another agent who saw the notes and put in another research. Today, XX/XX/XXXX, still no change. It says next payment due XX/XX/XXXX, with {$220.00}, sitting in my suspense account. This also happened in XXXX when I applied an extra {$1000.00}.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX card that became a XXXX XXXX XXXX card at the end of XXXX. On XX/XX/XXXX, I paid the XXXX balance in full from my credit union. Ive paid my account this way for years. However, the first statement from XXXX ( Barclays ) says Im past due the amount I paid to XXXX! When I called Barclays they first claimed my payment was returned to my credit union. I double checked and no this is not the case. This is a false claim ; there is no money returned to my credit union account. Then I was told to give it a few days to sort out, there was a problem when the accounts were transferred to Barclay. Then I start getting phone calls saying Im past due! Today, XX/XX/XXXX, I called again and after 45 minutes getting the run around with their hardly intelligible representatives they said theyd investigate this as a lost payment. Well thats just crazy and wrong! The balance paid XX/XX/XXXX was not owed to them in the first place! It was the balance owed to XXXX! Please can someone help. 
Ive attached a copy from the Barclays statement. See Payments as this is where their representative tells me my payment to XXXX was returned to me what does that description/ % a on their statement even mean? And, no, my payment to XXXX XXXX has not been returned to my credit union!
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 actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations
Product: Credit card or prepaid card

I applied for a Barclays Credit Card from XXXX to purchase an XXXX last XXXX the total cost was XXXX dollars. I was given a credit limit of XXXX dollars. At that time, I was a member of a XXXX XXXX XXXX XXXX, also a XXXX  for the XXXX XXXX  of a pro sports team in XXXX  XXXX. On XX/XX/XXXX, the XXXX was terminated. My income was severely damaged at that time. I had been divorced for a few months and was trying to restart my life from ground zero. I had an apartment which was XXXX a month and my income went from XXXX a month to XXXX  a month. I called Barclays in XXXX and explained the situation. I explained that I needed a month to resort my finances and that I would resume payment in XXXX. Then, Covid-19 took my job as a XXXX  for the XXXX XXXX  of the sports team ( XXXX XXXX. I again, called Barclays and said, I have been furloughed and was making around XXXX a month. I couldn't renew my lease, so i moved in with a friend and gave them the address. I touched base with them in XXXX and explained that my income was affected by Covid. They explained to me that they have a Covid program and that I was on and not to worry. In XXXX, my account was closed without notice. They said they sent a certified letter. I never received it. However, I couldn't make payments, due to my furlough status. In XXXX, I was rehired back and began making payments. I argued throughout the months that I didn't deserve this treatment because of Covid. It was flat out unjust. In XXXX, my online account was suspended. I called to find out why and they said it was due to the account being closed. I argued because i was unable to make that payment. I explained that I had I tried calling several times about my online account to no answer. As i discussed my situation again, I became angry. My credit score is a disaster because of them. I have two other cards who didn't close my account that knew the situation. Hmmmm, Now, I'm XXXX grand in the hole because i was divorced and let go from one job and was furloughed during Covid 19. The lady at Barclays said it was the credit Bureau policy to close an account after 90 days of inactivity. I called her out and they said there was nothing they could do. I still do not have access to my online account and now, I can't barrow a dime from anyone to pay the account and try to repair my credit. It was completely out of my hands and i explained that several times. They didn't care. I doubt this even goes anywhere, but its worth a shot right.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report a bankruptcy on my credit report that belongs to my ex wife which she filed long after we were divorced. I have sent letter after letter begging them to verify the information is incorrect and they just respond with it being verified. The letter i sent in early XXXX ( XX/XX/XXXX ) requested TransUnion to provide me with copies of all documentation associated with this bankruptcy  and the names and phone numbers of the people they talked too that verified it as accurate. The last letter I sent ( XX/XX/XXXX ) again asked for them to furnish the documentation of the validation and they just continue to send me a report saying it's validated. I just recently found out this is illegal so I'm starting the legal proceedings. I'm attaching the last 2 letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 a account without my written instructions
Product: Credit card

I recently received a notice from Chase Bank informing me that the cash advance APR on my credit card would be raised from 19.24 % to 25.24 % on XXXX/XXXX/16. The notice stated that I could reject this change. I called the company to do so, and they informed me that if I rejected the change, it would automatically close my account. In essence, they told me that I had to accept these new terms, or my account would be closed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$97.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( WELLS FARGO BANK XXXX )
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX XXXX XXXX XXXXXXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : Bridgecrest credt company llc and account number:XXXX  XXXX
Product: Credit card or prepaid card

Capital One does not address the fraudulent items on my card ending in XXXX where over a combined charges from XXXX of {$520.00} and XXXX of {$240.00}. I turned this claim into Capital One I believe in XXXX of XXXX  they found it to be fraudulent charges but only refunded back to the new card I was sent card ending in XXXX a total of less than {$40.00}. The rest was rolled over to the balance on the new card. They changed the statements. My credit was {$350.00}. I now longer had purchases I did use the card after all this. They took my {$200.00} deposit. I made a {$500.00} payment to them. They changed the way their statements read to try to confuse Me and hide the charges. Everytime I file a dispute they only refer to the new card I was issued ending in XXXX. I hope You will see their statements do not make any sense.
Product: Credit reporting or other personal consumer reports

I acknowledge the efforts made to eliminate some fraudulent entries from my file stemming from alleged fraudulent activities, yet there remain items requiring immediate removal. In a renewed effort to dispute these entries in my credit file, I am submitting an Identity Theft Report # XXXX. In accordance with the mandates of FCRA section 605B ( a ) ( 1 ) ( 2 ), the removal of any entries from my file identified as resulting from alleged fraudulent activities is required within 4 business days following receipt, given ( 1 ) suitable proof of my identity; ( 2 ) a copy of the identity theft report. The detailed list of items yet to be removed includes : 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 XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Please be advised of the XXXX deadline for the removal of any entries from my credit file identified as the result of alleged fraudulent activities. I explicitly decline the use of E-OSCAR or any automated verification processes. I request that the results be forwarded to the address provided.
Product: Debt collection

Mountain Land collections is reporting a debt on my file I do not recognize. I sent a letter asking for validation and have received 0 correspondence. I have never received services from the original creditor they are reporting for. This is not mine and must be removed.
Product: Debt collection

My identity w as compromised and an account on my credit report for a XXXX account that I have no knowledge of. I called TRANSWORLD SYSTEM INC at ( XXXX ) XXXX in early XXXX. The representative has a different address that I never resided at, and Ive lived in XXXX since XXXX. On XX/XX/XXXX a direct email, yet ANOTHER email was sent to " XXXX '', who has failed to respond. I included the police report and FTC filing. The name is XXXX XXXX and that email was provided to me by customer service when there is fraud or documentation needed to be sent. This needs to be removed from my credit immediately since it w as not done by me, nor allow ed under any circumstances and I have no prior know ledge of. This is indeed fraud. I have no affiliation with this company, past nor present. This item is in all 3 credit reports that was never authorized, and I had no know ledge of in any capacity.
Product: Debt collection

SYBCB / JCPENNY # XXXX Date Reported Opened : XX/XX/XXXX Dated Reported Closed. XX/XX/XXXX This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$350.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.

7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Product: Vehicle loan or lease

This was a lease I Had back in XXXX XXXX. It was a XXXX XXXX XXXX XXXX, which was repossessed and taken from me involuntarily. I was behind in payments but I was still making payments. I never gave them permission to take my car nor did I ask them to take it because I was having difficulty making the payments at the time. So, one day I'm at XXXX District Family court, XXXX XXXX for a hearing I was scheduled for. The car was suddenly gone from the parking spot I had left it at. I thought it was stolen so I called the police, they quickly told me it might've been repossessed if it wasn't stolen from the Courts parking lot. 

When I make tons of phone calls to see where it might've been. It was at a repo Lot in XXXX XXXX NY, which I wasn't even allowed to get my personal belongings. I tried getting my car back and they said I needed a {$27000.00} loan to get it back. so I had no choice but to leave it there because I couldn't get approved by any bank because of the recent repo. 

Four years later, today. I see this {$11000.00} Derogatory report on my credit history. stating I need to pay this amount from the repo 'd vehicle. I can't even get a car loan because this has been haunting me for years on my credit report. Ive been driving a XXXX XXXX XXXX with tons and tons of hazards issues. 

XXXX XXXX I the company that has this on my credit report. 
Convergent Outsourcing is the one that has me in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid a settlement amount of {$1200.00} to Portfolio Recovery Assoc LLC with the PROMISE of a Full Deletion from All reporting Credit Bureaus. Today I received an ALERT from XXXX  showing an outstanding balance of {$2800.00} owed to Portfolio Recovery. I have DISPUTED this account numerous times with all 3 credit bureaus to NO success. I have open disputes and sent them copies of letters from Portfolio and this account is till showing on my credit profile. I called today and spoke to XXXX XXXX who was no help. I asked for a Supervisor ; I then spoke to XXXX XXXX who said he look at my credit report. He said nothing more.
Product: Debt collection

For several yearsI since XXXX or even earlier i held a XXXX Credit Card. Nevertheless, this account seems to also be owned by XXXX  XXXX XXXX. I made payments to both it seems. 
It looks like XXXX XXXX XXXX sold my debt to a Texas Debt Collector who now claims to be representing XXXX XXXX XXXX in the collection of this debt ... which of course it is not a XXXX XXXX XXXX Debt, but a XXXX XXXX XXXX. 
About 50 % of the balance in that credit account was based on fees. Back on XX/XX/XXXX the last balance showing in the XXXX XXXX monthly statement was {$2500.00} The present balance according to SCOTT & ASSOCIATES IS of {$2700.00} higher than it was 3 years ago when I cancelled the card and stopped paying on it with a letter of complaint and request for reduction of the balance. IN XXXX XXXX XXXX XXXX had the records but by XXXX it looks that XXXX was in charge. Very confusing to say the least! 
Somehow XXXX XXXX XXXX sold this debt ... that was not theirs .... 
to SCOTT & ASSOCIATES. a debt collector based in XXXX, TX I never had a problem withI XXXX XXXX XXXX until XXXX XXXX XXXX began managing the card. 
Now I am facing Scott & Associates in court. They filed against me IN THE NAME OF XXXX XXXX XXXX .... but they actually bought the debt from XXXX XXXX XXXX and are not stating that. 
I think this a gimmick and I am being played. 
I investigated as far as I could but it is all very confusing. Who do I owe this money to? Why is XXXX XXXX XXXX involved and how can they sell a debt that is not theirs? 
They filed the suit.!! at least their name is on the court filed papers. 
Scott & Associates connection to XXXX XXXX XXXX is, to say the least, very dubious. I not illegal. 
There is no mention of XXXX XXXX either, even though they were the account holders and initiators.