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

In accordance with the fail credit XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.7K 15 USC 1666B : A creditor may treat a payment on a credit XXXX account under an open end consumer credit plan as late for XXXX copy it and put it in that box ( a " and purpose.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$210.00} ] XXXX XXXX XXXX XXXX. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. The name of the original creditor. An explanation of how to obtain verification of the debt. A statement that I have the right to dispute the debt in writing within 30 days. I further demand that you issue me a Form 1099-C within 14 days of the date of this letter. A Form 1099-C is required by the IRS to report the cancellation of debt income, which may have tax implications for me. Failure to comply with my requests and the requirements of the FDCPA within 14 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws.
Product: Credit card or prepaid card

On XX/XX/2017, I was advertised an offer by Amex on my user portal to upgrade my Premier Rewards Gold card to a Platinum card with a XXXX point bonus after spending {$5000.00} in the first three months. I was approved for the card and spent {$5000.00} in the first three months without receiving the bonus points. Thus, I called American Express in early XX/XX/2017 to inquire about the lack of points showing in my account. The sale representative put me on hold and then confirmed that I did meet the spending requirements for the bonus points. She escalated the issue to the marketing team to investigate. I called 6 times in XXXX and XXXX to check in and, eventually, the marketing team said that I was never targeted with the promotion which is fraudulent and untrue. The promotion is not a targeted promotion and a sales rep confirmed that anyone who applies online for this card is eligible for the promotion. I was scammed out of XXXX points with American Express when I met all of the guidelines to receive this general promotion. I continued to contact the company for months afterward with no resolution. The company misled me and representatives lied about why I didn't receive the points. Different sales representatives would give different excuses - eventually leading to completely ridiculous and invalid explanations. The offer is a general offer for anyone who applies online - an Amex representative confirmed this - there is no reason why I shouldn't have received the bonus offer.
Product: Credit card

I am a XXXX and do most of my purchasing and credit card management on the web. In XX/XX/XXXX I made a XXXX present purchase for my daughter using HSN ( Home Shopping Network ) online using their " Flexpay '' feature of 2 payments. The credit I used was the HSN credit card which is apparently managed by Comenity Bank. Although I pay substantially in excess of the minimum due each month, which I have set up electronically, apparently there was a problem with payment # 2. At this writing, although I have available balance on this card, Comenity has sent this second payment to collection. In the past the ability to view " Flexpay '' s online has not been available but since this absurd problem started they have improved their website. That is how I come to know the issue. I spoke with HSN today multiple times and they say there is nothing they can do. Apparently Comenity has been sending emails which unfortunately I can not pick up when I am out of the country. Still the last email was XX/XX/XXXX and since I am home at present, when I use the link to attempt payment manually I still can not get this resolved and now I am being harassed by a collection agent for Comenity Bank. How can a flex payment go to collections when there is available balance on the account?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed 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 payment due date. 

XXXX XXXX OF XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/2022 at XXXX EST I spoke with XXXX XXXX XXXX National Credit Systems . The collector failed to verify my identity via an address, SSN or other personally identifiable information, a potential third party disclosure violation. I mentioned to the agent that I wanted to dispute the debt and XXXX proceeded to talk over me and refused to allow me to ask any questions about the debt. He wouldn't allow me to give any reason for disputing the debt or offer any means to resolve the debt other than paying such debt that I do not owe. After promptly hanging up while I was asking how else I could resolve the debt, XXXX XXXX forwarded 4 phone calls to voicemail. 

I may have updated my mailing address or email had the collector allowed me to know what address and email they had on file. Instead XXXX XXXX refused to provide me witht that information. 

This company is using the threat of damaging credit as a means to force consumers to pay debts which they may not owe and refusing to communicate ways to resolve disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a response from Bridgecrest for my complaint with CFPB XXXX about my total loss claim on my XXXX XXXX XXXX XXXX in the complaint Bridgecrest agreed to omit the days pass do because of my Insurance company had not sent them the last XXXX but, Bridgecrest did get pretty much 99 % of the payment. This was not my fault, as that last payment was supposed to go to me for registration that I paid on the car, but instead, it was somehow added to the payment to the lien holder. I thought after the complaint Bridgecrest and, I came to a resolution they would omit the days pass due to 0 30 days late 0 60 days late 0 90 late. They even sent me a letter while the CFPB complaint was still open saying that is what they were going to do, and they also responded to CFPB complaint and, the complaint with XXXX  stating that is what they were going to do upon both complaints being closed they waited to tell XX/XX/XXXX and, sent me another letter stating they where changing it to 91 days late. even though they got payments in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and, XX/XX/XXXX. This is insane how this company can lie to both me CFPB AND, XXXX and get away with this. I also sent a certified letter out requesting proof of contract, and all payments, and checks that were made because I never got reimbursed for my warranty, no response other then the letter stating they were changing the late dates from 0 to 91 days although the account was never 91 days past due.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account under my credit file, listed as an authorized user account with the partial account number XXXX. Please be advised that I was never added as an authorized user on this or any similar account, and I have no family members or friends whom I personally asked to add me to their credit accounts. This account was opened without my knowledge or consent. 

It is likely that my personal information was compromised as a result of a data breach, which has led to this unauthorized account being inaccurately associated with me. I have attached supporting documents showing the breach incident for your review. 

Since I have no legal or financial responsibility for this account and was never involved in its creation or use, I am requesting that this account be removed from my credit report entirely. The inaccurate reporting of this account is causing harm to my credit profile, and its removal is necessary to restore the accuracy of my report.
Product: Student loan

I have had the same student Loan for over 23 years. It is was through XXXX XXXX and now is with Navient. 

The original loan amount was for {$16000.00}. Since being sold to Navient my loan is now at ove {$30000.00} due to Navients fees and interest during an ongoing reduced payment plan which started roughly 4 years ago. 

When they put me on this new payment plan,. at no time was it explained to me that the adjusted payment wasn't even covering my interest ... not even by half! Now they have tacked on over {$10000.00} to my original loan and are telling me my adjusted payment iwill be in the {$300.00} 's per month which I can't afford. 

Either way I feel their lack of disclosure is predatory and I will be paying on these loans for decades to come. 

Doesn't seem right, Regards XXXX XXXX
Product: Debt collection

They are reporting a collection account in the amount of {$7800.00} on my credit report. This is not my account. I have disputed this several times with the credit bureau.
Product: Money transfer, virtual currency, or money service

They said they were closing my account the last time i spoke to them two weeks ago and still nothing. They are playing around to make money off my transfer. They already know that transfer was not Fradulant. Thats why they are not communicating with me. The bank in XXXX XXXX, CA has already cleared that transfer so they have nothing to loose but gain off their transfer. Wicked
Product: Debt collection

I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for Midland Funding ( A subsidiary of Encore Financial Group ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2013. Please delete this item immediately.
Product: Credit reporting or other personal consumer reports

About XX/XX/2024 I got alerts from XXXX XXXX about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX  nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX  did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I review my report regularly, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiry remained. I am extremely frustrated by this issue and need it resolved immediately. Please review the documents I have provided carefully so I can have peace of mind and never face this problem again.
Product: Credit reporting

My husband and I filed for bankruptcy in XX/XX/XXXX to avoid a lawsuit by XXXX XXXX XXXX, our mortgage servicer. After the independent foreclosure review findings in XX/XX/XXXX of fraud and wrongdoing of many banks, we received a {$3000.00} payment, but were still paying on our bankruptcy. We successfully completed our bankruptcy in XXXX of XXXX, but are now facing credit issues because of the bankruptcy. We would never have filed bankruptcy if XXXX XXXX XXXX, who bought our mortgage from XXXX, had worked with us on repayment, as XXXX had done. My husband and I would like our bankruptcy removed from our credit reports, as it was obtained under duress and under false pretenses. We need help with how to dispute this on our credit report. 
Thank you, XXXX and XXXX XXXX XXXX XXXX, NC
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According

to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

My father died on XX/XX/2018. When he died he had an IRA account with Bank of America with a value of about {$3800.00}. I am handling my father 's estate and the amount in the IRA is to be shared equally between my father 's XXXX children. 

I have contact Bank of America ( BOA ) to begin the process of providing the necessary documents to enable BOA to transfer the account 's value to the new owners. Each time I contact BOA I am told that someone will contact me in 24-48 hours but no one from BOA ever call me. 

I believe BOA is currently understaffed and unable to respond to their customers at this time. This has been confirmed by the numerous staff that I have spoken to at BOA, but unfortunately the people I speak to are only there to answer calls but not actually help customers. 

I believe this is a systemic problem at BOA and is worthy of being looked into by the CFPB. 

To provide some specifics and to give you a better idea of my problem here are some facts : 1. XX/XX/XXXX - mailed death certificates, small estate affidavit and letter to BOA XXXX XXXX in XXXX, Florida 2. XX/XX/XXXX - XXXX in XXXX AZ says no one had looked at the documents I sent in and call back in a few days. 
3. XX/XX/XXXX - XXXX was not available. XXXX took my name and number and said someone would call me back. 
4. XX/XX/XXXX - I call and reached XXXX. XXXX says a new Estate Unit will handle my case. 
5. XX/XX/XXXX - I called and reached XXXX who said I should call back on XX/XX/XXXX. 
6. XX/XX/XXXX - I call and reached XXXX who said a case manager would call me. 
7. XX/XX/XXXX - XXXX called me and said that a case manager should be assigned on XX/XX/XXXX. 
8. XX/XX/XXXX - I called and was told that XXXX XXXX was now my case manager and that she will call me. 
9. XX/XX/XXXX - I called XXXX 's extension but reached XXXX. XXXX said a manager would call me in 72 hours. 
10. XX/XX/XXXX - I called and reached XXXX XXXX who said that someone will call me 11. XX/XX/XXXX - I called and reached XXXX who would try to transfer me to a case manager. When he put me on hold I was disconnected. 
12. XX/XX/XXXX - Called back after XXXX disconnected me, was told to call during East Coast hours since that is where all the case managers are. 
13. Called at XXXX Pacific and reached XXXX who said she would leave a message for XXXX XXXX, XXXX 's manager to call me. 

As you can see, I've tried to resolve this many times without response from BOA. I should also note that my father had three other IRA accounts at the time of his death, one each at XXXX, XXXX, and XXXX. Since my father 's death I have been able to successfully close those accounts and get the funds to the appropriate individuals.
Product: Checking or savings account

Huntington Bank... 

The app told me that I had money in the account. 

1. They allowed me to use debit card with the money, then said I now have a negative balance. This was for several transactions. I want every fee as a result of this waived. Additionally, monthly checking fee, waived. I will close this checking account out and pay them the balance, within 60 days, if possible, without impact to credit. 

App does not work. Tried to call customer service today about my issues, it said they are having issues and can not take calls. 

LOCK my card. Do NOT process any transactions, especially with a debit card like you have done. Close this acocunt out. 

How long do I have to pay off line of credit and balance owed once any fees are remoevd?
Product: Payday loan, title loan, personal loan, or advance loan

I placed an order for merchandise and returned the merchandise to the merchant. The companies policy states that refunds will be processed back to the original payment method used to make the installments. XXXX instead proceeded the refund back to a card on the account not associated with the order. The card they processed the refund back to has been charged off and sold as it was inactive and closed prior to making the purchase. XXXX is now refusing to process the refund to the correct payment method and telling me that I have to use an XXXX  to locate the funds
Product: Debt collection

Bay Area credit services account # XXXX creditor pens XXXX XXXX XXXX XXXX just Recently Started sending me a bill for XXXX and Ive called and told them I dont have a bill and I dont know that place and they it was from a doctor visit back in XX/XX/2018 my kids and I have Medicaid and have had Medicaid for over a year. And the only doctor or hospital we have been to we dont owe anything Ive called and this place cant tell me what doctor and they were getting mad when I wouldnt pay and said they would freeze my ssn Ive never heard of that before.
Product: Credit card

Client is trying to close account and cut ties with provider. Provider refuses to eliminate unnecessary charges. Client has offered a 92 % payment and intends to have this issue resolved. Provider is stonewalling and will not progress in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing   XXXX   XXXX   XXXX   XXXX   since   XXXX   2015 informing them that this is not my account. I 've disputed with all   XXXX   credit bureaus and every time   XXXX   XXXX   XXXX   XXXX    confirms that this account belongs to me. I 've asked  XXXX ,  XXXX , and Transunion for method of verification but never received one. I then disputed it directly with   XXXX   XXXX   XXXX   XXXX   and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the  XXXX  bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I sent {$8000.00} to an individual. PayPal charged me {$230.00} fee. So the individual that I sent the money to sent the money back to me immediately and cancelled the transfer. PayPal did not deposit the money back to my account and Paypal took the money from my account and charged me another {$8000.00}. The individual that I sent the money to made a statement to PayPal with verification of this but PayPal refused to credit my account the money owed. It took me this long to submit a claim because I didnt know we could submit a claim against them. I still have not received the {$8000.00} that I owe and I have a balance owed for {$8000.00} still on my PayPal account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, US Bank made an unauthorized " hard inquiry '' from all XXXX major credit reporting agencies. I asked that the hard inquiry be removed from credit report.
Product: Debt collection

I filed Chapter XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The bankruptcy included at least one credit card account from Barclays Bank. Since the discharge, I have received numerous phone calls from different debt collection agencies trying to collect on behalf of Barclays. I always notify them verbally that I filed bankruptcy and that they are not legally allowed to contact me, but then it seems the collection agency changes and someone else tries again. The most recent company calling me is XXXX XXXX XXXX. It called from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today XX/XX/XXXX. In XXXX, it was a company called XXXX XXXX calling from XXXX, which called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke to XXXX from that company on XX/XX/XXXX and spoke to XXXX on XX/XX/XXXX. There have been other collection agencies and other dates, but those are the ones I have close to hand. Please help me get Barclay to rescind all collection actions because they are illegally harassing me at this point.