23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

REMOVE THIS IMMEDIATELY or UPDATE to PAID/NEVER LATE 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

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 card or prepaid card

Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Product: Credit reporting or other personal consumer reports

My account and my personal information was used by fraudsters to gain access to my checking accounts. They also had access to my debit cards information including my PIN. It was easy for them to compromise my bank accounts. Twice XXXX XXXX XXXX XXXX has closed my checking accounts, and in three occasions they have cancelled and reissued my debit cards this year alone. As a result of this theft and my account being compromised I couldnt meet my obligations to my creditors on my due dates as the money meant to pay my creditors were withdrawn before my monthly payments were processed. So the funds that were meant to take care of my bills had disappeared from my account. This also led to my accounts being late for the first time with a number of creditors reporting late on my credit I have worked very hard to build. I now have a new checking account from XXXX XXXX and I am just now trying to restore my credibility back up. The Creditors affected are : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, My line of credit with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, and my utility bills. 
I contacted each creditor to request that they show understanding, due to the theft that happened to my checking account on XX/XX/2023, with proof from my bank XXXX, not to report any late credit reporting on my credit report as I work hard to catch up with my payments. But as it turned out they still went ahead and reported those late payments. As a result of this terrible incident my credit is now at its lowest best and have dented my hopes of doing business that will bring in revenue for my livelihood and that of my family. I am therefore requesting with immediate effect that these lates be removed immediate from my credit report.
Product: Mortgage

I changed from XXXX XXXX to XXXX XXXX on XX/XX/XXXX. They had already paid XXXX for XX/XX/XXXX to XX/XX/XXXX. I got a refund and repaid them the amount they paid XXXX. They finally paid XXXX XXXX after 3 phone calls. For some reason XXXX refunded me also for the 9 months prior to XX/XX/XXXX. I am trying to work with XXXX with that but they were insuring me for those 9 months. My house insurance for the year is {$800.00} for the whole year with XXXX XXXX. XXXXXXXX XXXX  is trying to take advantage of XXXX mistake and they took {$3300.00} out of my esrcow claiming I wasn't covered for months that had already passed. They paid XXXX out of my escrow for last year so they know I had insurance last year. The clerical error is between me and XXXX not sure why they are taking advantage of this and trying to charge me almost {$400.00} a month for months that have already passed. For those 9 months with XXXX I may owe them {$700.00}. Not sure why Santander took it upon themselves to pay XXXX almost {$3400.00} its 5 times the amount. I called XXXX and they are sticking by their charge. I still don't know how XXXX can make {$3400.00} off of 9 months that were already passed. Its free money to them the 9 months are passed and there will never be a claim on past months. Santander paid XXXX and for those 9 months in question they knew I was covered. Seems to me Santander and XXXX are scamming money.
Product: Checking or savings account

My Wells Fargo account was closed in XXXX XXXX XXXX but on XX/XX/year> I was sent a refund for {$710.00} by XXXX XXXX, the money was sent to the closed Wells Fargo account and has not been returned to XXXXXXXX XXXX  nor has Wells Fargo sent a check out to me for the amount.
Product: Mortgage

On XX/XX/2023, I received my XXXX interest rate change notice, which is mandated due to my home loan being financed on adjustable rate terms that mandate that my current interest rate may be modified every XXXX XXXX for the term of my loan. I noticed that my new interest rate increased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To ensure that my interest rate was accurate, I logged into global-rates.com and noticed that the XXXX XXXX Rate for the XXXX  XXXXXXXX XXXX XXXX - XXXX American dollar XXXX interest rate was different from the interest rate displayed on the letter received from my mortgage company. I noticed that the stated XXXX Interest Rate on the website was a little lower than what my home loan servicing company had mailed to me. So, I contacted Select Portfolio Servicing, Inc. ( SPS ), my home loan servicing company, and talked with a customer service representative to inquire as to why is there a difference in the XXXX XXXX Interest rate displayed on the mailing that I had received from SPS, and the XXXX XXXX rate displayed on the website. 
The Customer Service Representative could not explain the different percentages displayed, so I requested to speak with someone in a management position, a manager or supervisor, to obtain a clearer and adequate understanding of my concern. In discussing my concern with the manager, it was apparent that she was not in agreement with my findings on the website, and after I continued to attempt to explain to her the informational table rates located on global-rates.com, she informed me that a different department would look into my concerns and a reply letter would be mailed to me with further explanations.

While waiting for a response pertaining to my concerns, I received a letter from Select Portfolio Servicing ( SPS ) regarding my Annual Escrow Account Disclosure Statement and my new escrow payment amount. Included in this mailing it displayed that a XXXX XXXX XXXX XXXX is now required in my Escrow Account. I contacted Customer Service once again and was informed by a XXXX that the owner, sometimes also referred to as the investor, Creditor, and or Note Holder of the account may require a two-month reserve to be maintained at any given time frame. I am confused and in disbelief. It has never been a requirement to maintain a two-month reserve in my escrow account, and I don't understand why this is necessary at this point. 
It appears that this requirement was utilized due to my insistence with the management personnel that she explain why the XXXX XXXX XXXX were different and that it appeared that someone had made a mistake. As mentioned earlier it has never been a requirement for me to maintain any type of reserve funds in the XXXX years since my account was serviced by this company. Never late on payments or any type of escrow shortage int the term of my home loan.
Product: Credit reporting or other personal consumer reports

FOR : CFPB XXXX : XXXX OF XXXX XXXX ( XXXX ) XX/XX/year> CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) SUBJECT : : XXXX XXXX XXXXXXXX and CFPB XXXX OFFICIAL VIOLATION FCRA and CFPB XXXX XXXX POLICY REGARDING - FAILURE TO POST COMPANY RESPONCE TO CFPB SECURED PORTOL... 
RE : CFPB COMPLAINT # XXXX..., XXXX XX/XX/year>..., THIS COMPLAINT REPORTS. XXXX violations or conflicts of interest by agency officials, XXXX. INVIOLATION OF AGENCY POLICY AND VIOLATION OF FEDERAL LAW FCRA, VIOLATION CFPB XXXX VIOLATION FTC XXXX XXXX. 
COMPLAINT - XXXX... 
CFPB XXXX OFFICIALS FAILURE ENFORCE CFPB XXXX AND CFPB XXXX XXXX XXXX AND REQUIRING " THE CREDITOR '' SUBJECT OF THE COMPLAINED VIOLATION ( THE COMPANY ) MUST PROVIDE WRITTEN RESPONSE TO MY THE CONSUMER. SPECIFICALLY CFPB OFFICIALS CONTRARY TO AGENCY POLICY AND CONTRARY TO THE FCRA HAVE ( XXXX. ) UNETHICIALLY WITHHELD FROM ME ( THE CONSUMER ) AND ( XXXX. ) FAILED TO PUBLISH TO SECURED CFPB COMPLAINT PORTAL AN ALLEGED COPY OF BANK OF AMERICA ( THE CREDITOR ) OFFICIAL RESPONSE TO MY FILED CFPB COMPLAINT # XXXX DATED XX/XX/year> REGARDING BANK-OF-AMERICA UNETHICAL XXXX AND XXXX XXXX XXXX XXXX FCRA.... CFPB OFFICIAL ACTIONS AS APPLIED TO MY SPECIFIC COMPLAINT IS UNETHICAL AND VIOLATE CFPB XXXX XXXX VIOLATE FCRA AND IS UNLAWFUL... 
FURTHER AS AN XXXX XXXX XXXX XXXX XXXX XXXX UNDER THE WAR POWERS ACT TITLE XXXX UNITED STATES CODE AND CFPB XXXX AND FTC XXXX... AND THE FCRA... THE CFPB " SECURED '' COMPLAINT AND RESPONSE PORTOL IS SPECIFICALLY INSTITUTED TO PROVIDE CONSUMERS TIMELY RESPONSE AND ACTIONS TO PROTECT CONSUMERS FCRA RIGHTS. CONTRARY TO CFPB XXXX OFFICIALS ASSERTIONS IN THIS COMPLAINT... 
No I DID NOT RECEIVE THE REQUIRED WRITTEN RESPONSE TO MY COMPLAINT FROM THE XXXX BANK OF AMERICA... NO response received from XXXX... NO response received from CFPB. No XXXX XXXX  evidence company mailed responses provided by either company or CFPB.... THIS IS VIOLATION OF CFPB XXXX. VIOLATE The CFPB XXXX and VIOLATE the FTC XXXX XXXX XXXX regulations require creditors and consumer credit reporting agencies MUST provide WRITTEN response to the complaint ON THE CFPB complaint Portal. This is to protect consumers ' right to transparency. WHY HAS THE CFPB Broken protocol for this creditor .... The creditor and CFPB actions here as applied to my complaint is UNLAWFUL and violation of the CFPB XXXX and All in violation of my consumer rights under the FCRA...
Product: Debt collection

The company wrote the balance as a charge off on my credit but did not supply me with a 1099C. They now have a 3rd party contacting me about the balance that they reported and received credit for as a charge off.
Product: Money transfer, virtual currency, or money service

I opened a Wise account on XXXX XXXX and everything worked fine until XXXX XXXX when Wise deactivated my account for no reason. 
So I appealed and followed the instructions to make a request. 
My account was blocked from that date and no money came in. However, I still have money in my account. 
After making several calls, sending a complaint directly to Wise and calling customer service several times, I still have no answer. 
After several calls, they haven't been able to tell me the reasons for closing my account, and that with the appeal form I was at least going to be able to transfer the money from this account to another account. 
To date I've had no news, no way of transferring my money and they've given me no solution. 
i'm desperate and don't know what to do, i need this money for my business. 
Normally they have to give a reply within 14 days, and I've still got nothing.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues. Which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a copy of an FTC report to XXXX and transunion and they REFUSED TO remove the inquires. I did not authorize the following companies to pull my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  has me in collections with Enhanced Recovery for equipment and I have my receipt showing I have turned in all equipment. 

XXXX {$720.00} enhanced recovery company This is on my credit report and it needs to be deleted, paid debt.
Product: Debt collection

Dear Sir/Madam, I am writing to formally request the removal of an outdated XXXX collection account from my credit report. The collection account in question, related to a XXXX [ Account Number ], is over five years old, and I believe it should no longer be reflected on my credit report due to federal and state consumer protection laws. 

As a consumer, I am entitled to certain protections under both federal and California state laws. I would like to outline the legal basis for my request : Federal Law : 1. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681c ( a ) ( 4 ), credit reporting agencies are prohibited from including accounts placed for collection that are more than seven years from the date of the first delinquency. As this XXXX collection account is more than five years old, it is approaching the seven-year limit, and I am requesting its removal in anticipation of this deadline.

2. Accuracy of Consumer Reports : According to 15 U.S. Code 1681e ( b ), credit bureaus must ensure the accuracy and completeness of the information they report. I believe this account, which is now outdated and potentially inaccurate, should no longer be reported as it negatively impacts my credit.

California Consumer Laws : 1. California Civil Code 1785.13 ( a ) : This section of the California Consumer Credit Reporting Agencies Act ( CCRAA ) also limits the reporting of collection accounts to seven years from the date of the first delinquency. While this account is over five years old, I am requesting its removal in advance of this limit.

2. California Statute of Limitations on Debt : Under California Code of Civil Procedure 337, the statute of limitations for collecting on most written contracts, including telecommunications debts, is four years. Since this XXXX debt is now over five years old, it is beyond the legal period for debt collection in California, making this information outdated and potentially inaccurate.

3. California Consumer Privacy Act ( CCPA ) : The CCPA gives California residents the right to request the deletion of personal information that is no longer necessary for business purposes. Given that this debt is over five years old and past the statute of limitations for collection, I am exercising my right to request its deletion from my credit report. 

Thanks again for your attention to this matter In light of these protections, I am requesting the immediate removal of this XXXX collection account from my credit report. Please investigate this matter thoroughly and remove the account. Once corrected, can you please send me confirmation that the account has been removed so I can ensure that the update is reflected across all credit bureaus.

If this matter is not resolved within the 30-day period provided by the FCRA for disputes, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Consumer Affairs , or pursue legal action based on both federal and state consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX
Product: Debt collection

I received a call from XXXX with a person claiming to be from Allied Interstate LLC. They asked for me by name and disclosed my SSN. They would not acknowledge why they were calling or what they were calling about. A quick search shows this may be trying to illegally collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 
1. XXXX dated on XXXX XXXX, 2023. 
2. XXXX XXXX  dated on XXXX XXXX, 2023. 
3. XXXX dated on XXXX XXXX, 2023.
Product: Mortgage

I have been trying to facilitate a short sale on my property for a few months, My father passed away and I am trying to get his estate settled asap. I have a buyer and have hired a realtor that got us a great offer. The 1st mortgage is getting a full payoff and the second and third lien holders will be taking less than they are owed. We tried very hard to get enough money to get everyone paid off but the market didnt agree with our pricing. Eventually after months of work we got a bonified offer from a buyer that is paying far more than he is willing to pay at foreclosure. The second mortgage postponed the original sale an entertain my offer but didnt allow for a reasonable amount of time to review and theyre now foreclosing again. I have been struggling for so long and just want to do the right thing. I tried to keep family home after my father passed but he was too far in debt for it to be possible for me. I just want to sell my home and get as much as possible for the bank and avoid a foreclosure in my neighborhood, and community. I need help and will cooperate 100 % with any of the banks requests. Please help me!
Product: Mortgage

My refinancing with bank of america was taking about XXXX months, and was rejected. The paper trail is enormous. They charged me for a home inspection before the mortgage was accepted. I feel that a huge mistake was made by the bank.How do i recoup my loss,
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sent investigation requests to the credit bureaus on XX/XX/XXXX. We were supposed to receive the results within 30 days. She did, but I did not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reporting Under 15 U.S.C. 1666 ( b ) To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and pursuant to Section 1666 ( b ) of the United States Code. Specifically, I believe that the late payment ( s ) reported by [ XXXXXXXX XXXX XXXXXXXX ] for [ XXXX ] are incorrect and do not r

eflect my true payment history. The disputed account details are as follows : Creditor/Servicer Name : XXXX XXXX XXXX  Account Number:XXXX Date ( s ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : Paid Creditor/Servicer Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date ( s ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : {$230.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute that this account was reported as a late payment for the following reasons : According to 15 U.S.C. 1666 ( b ), I am entitled to a resolution of the dispute within 30 days. Under the law, if the reported information is found to be inaccurate or incomplete, the credit reporting agency is required to correct or remove it.

I request that you : Investigate this dispute and correct or remove the inaccurately reported late payment ( s ).

Provide me with written confirmation of the outcome of your investigation, including a copy of my updated credit report reflecting the corrected information.

Notify the creditor that the reported late payment is under dispute and, if necessary, provide them with my dispute information for further clarification.

Please confirm receipt of this letter and inform me of the next steps in the dispute process. If you require additional documentation or clarification from my end, feel free to contact me directly at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I bought 1 car with Kia ( Kia XXXX XXXX Ex ). On or about XXXX XX/XX/XXXX Kia financial sent me a bill that I owed {$490.00} with 60 payments. The first payment was due XX/XX/XXXX. I made a payment to this account on XXXX XX/XX/XXXX. I made a second payment for my next bill on XX/XX/XXXX ( each payment is due on the XXXX of the Month ). I then paid my bill again XX/XX/XXXX. My bank statements show payments made, and I was receiving emails to pay my bill each month. I would log in and the payment that was 'due ' was XXXX. If you look at my credit history, I have never paid a bill late. 

I received a check in the mail yesterday XXXX XX/XX/XXXX for {$490.00} as an 'overage. ' I logged into my account because when I looked at the account, I was surprised to find that while my payments went through ( {$1400.00} so far ) my total amount owed was {$0.00}. I assumed ( which I was correct ) that somehow Kia opened up two accounts in my name. I called Kia on XXXX XX/XX/XXXX to inform them I was paying my bills on time, and they mentioned there was a second account I was not aware of. The issue I am having is that they now report my payments as late because I had no clue of the second account, but I was paying the account as notified. 

I called into KIA about 5-6 times. Their phone kept disconnecting and the number would not work. I am unable to fix the issue with them because there is no way to contact them.