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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXXXX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NOT INCLUDED IN THE DISPUTE XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Checking or savings account

I have a moving company " XXXX XXXX XXXX '' and used XXXX for a couple of years. When I opened a new account with Bank of America ( I had an account before with XXXX XXXX  and never had any issues with the merchant ). It was a suggestion from BofA to work with XXXX as a merchant Service. I agreed, signed papers and continue my business. XXXX XXXX started to freeze the transactions for weeks. My account was passed to a risk department. The person who handled by XXXX XXXX XXXX She never sent me emails all communications were via phone calls, her number is XXXX. So the transaction money kept be frozen. In XX/XX/XXXX I got a call from her ( XXXX XXXX XXXX and she told me that if I want to keep using their merchant service, I had accept their terms or find a new merchant. I was frustrated, because my business was running, and it was a peak of a season, I couldn't stop my business in the middle and find a new merchant. I agreed for the new terms. The new terms were that I have to agree for them XXXX XXXX XXXX department hold a security deposit of Some % of my current transactions, that was {$15000.00}. XXXX XXXX said that XXXX department had to hold that {$15000.00} for ONE year. After ONE year the deposit would be released. It was in XX/XX/XXXX. I agreed. So, in XX/XX/XXXX I contacted BofA to find out when my {$15000.00} would be released. They couldn't find it on their end but connect me with a couple XXXX representative, XXXX XXXX XXXX : XXXX and XXXX XXXX email : XXXX : XXXX. After a long search XXXX finally found out that RISK department hold the deposit, but they don't disclose the amount. Moreover, XXXX told me that ONE year deadline would pass after XX/XX/XXXX. I contacted him by email again on XX/XX/XXXX and he said that he would escalate it to the risk department. He got back to me on XX/XX/XXXX and said that he sent all my information to the risk department and they should contact with me directly. It was XX/XX/XXXX. Since then I sent XXXX a few follow ups and he replied back to me XX/XX/XXXX saying that the request to release the balance was sent to the RISK department and they should contact me directly. Moreover, he said that he contacted with his management to see what the next steps would be. Ok, I agreed that it could take time, but not 3 months! No response from the risk department. They are very ghosty, no emails, no phone numbers, no information about them. XXXX XXXX, who placed the deposit on hold only contacted with me by phone, not emails, no recorder traces of that deposit, but it was hold. Now, I have concern how legit were your actions? I got a call from an XXXX representative, didn't catch his name, he asaid he would resolve it. But since then no him no anyone else. Also, he mentioned that the case was opened by XXXX XXXX was dropped, without notifying me. All of them just disappeared. 
I need the money back and make the bank be responsible for their actions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.XXXX is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX XXXX Account listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matterXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 2 Capitol One credit cards for 5 years. The due date on my Venture One Card was changed from XX/XX/XXXX to XX/XX/XXXX without my consent increasing my minimum payment from XXXX to XXXX. I called and spoke with XXXX the supervisor and requested it be changed back and told him I couldn't afford the increase because my husband is undergoing XXXX and I have critical XXXX and have been in and out of the hospital. I have never been late on a payment and with my family 's current health crisis can not afford a random increase without justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$290.00}
Product: Credit reporting

I have inquiries on my Equifax credit report that I did not authorize. The inquiries are from XXXX, XXXX XXXX, XXXX XXXX, XXXX Credit card, XXXX, XXXX, XXXX, and XXXX. Please have these inquiries removed from my file.
Product: Checking or savings account

I've had a Navy Federal checking & Savings Account and have been a member since XXXX over the years, I've obtained several items of credit, a vehicle ( paid off at maturity ), personal loan ( paid off in full at maturity ). In XXXX I was approved for two credit cards and a personal line of credit. About a year later I was unable to work due to a medical emergency ; therefore, the majority of my bills became past due including my credit accounts with navy federal ; I originally started payment plans until I was no longer able to pay. During this time, my checking account and savings accounts were still in active status and to my understanding in " good standing '' and remained open with the required savings minimum of {$5.00} and sporadic deposits into the checking account. In XXXX, I began receiving settlement offers for the outstanding credit card debt that had accrued. I was advised that Navy federal had either charged off or written off the debt per my credit reporting status ; therefore, I was unsure of paying the debt through the third party XXXX XXXX. I contacted Navy federal directly in their loan/credit recovery department to confirm the validity of the settlement that was being offered and the representative verified the amounts of the settlement. In XXXX I paid the settlement balances that were agreed upon. My savings and checking accounts remained open and active with no issues. In XXXX XXXX I had a checking balance of about {$15.00} and deposited a retirement check of about {$500.00}. several months later, I voluntarily closed my checking account. At the time of closing, my account was in a satisfactory state and I received a full refund of all monies that were in my account at the time of closing which indicated " good standing ''. In XXXX XXXX I received a 1099-c from Navy federal showing the portion of my balance that was not paid in the settlement was to be counted as income, further indicating that the balance has been forgiven. In XXXX XXXX I attempted to reopen my account using my current membership and was advised that I was not eligible to become a member or open an account due to an outstanding balance. When I explained the above information to a representative, I was told that this is policy.. When reading Navy federal disclosures regarding a checking account/membership, it implies that as long as the account was not closed by Navy federal XXXX it could be reopened. My debts were credit related and were paid in settlement. I don't understand why I am being " punished '' twice and why there's still attempts to collect the remaining balance when I'm now required to claim it as income as a forgiven debt. XXXX was beyond my control and I genuinely did my due diligence and paid the settlement as agreed and had only hoped I would be allowed another opportunity with Navy federal to show my credit worthiness and rebuild my banking relationship. I just want understanding in why i am being denied an opportunity to re-open my voluntarily closed checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ally Fin. by phone to report they had not reported my car loan as paid in full to credit bureau. They said they would followup. I contacted them in XX/XX/XXXX. Info on credit report still not showing car loan paid in full. They sent me a letter dated XXXXXX/XX/XXXX showing loan paid in full but have not reported that to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late or past due. This account was paid on time, every time XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Carmax auto finance continues to report a payment on XX/XX/2019 as a late payment, I have contacted the company numerous time but it still remains as a late payment on my credit reports, have also disputed via credit reporting agencies with no positive outcome.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 in ( MONTHS REPORTING LATE ) 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  ) 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letters to all 3 bureaus about my credit report which shows a lot things that are inaccurate. It has been over 90 days and I have not received a response back. 
1. Is this normal for all 3 bureaus to avoid the law that clearly states they have 30 days to investigate and inform me of findings? 
2.Since it has been over 90 days shouldn't these things be removed because the bureaus have violated federal laws?

3. As a XXXX taking care of patients with the coronavirus day in and day out for over 12 hours, this is the last thing that I should have to fight as a US citizen.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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 XXXXXX/XX/XXXX
Product: Debt collection

I was unaware of a {$74.00} medical debt owed from XXXX for dental work performed. I received a call from QAR Collections in XXXX NJ ( XXXX ) stating that I owed this debt and asking me to make arrangements to pay. I advised that I was unaware of the debt until recently when I saw my credit report on XXXX XXXX stating the amount owed was {$86.00} to a XXXX collection agency. I advised QAR that how could I owe XXXX agencies for the same debt and a debt I was unaware of until XXXX/XXXX/XXXX. 

QAR 's XXXX ( no last name provided ) stated possible debt was sold to both agencies. He gave me QAR 's website to make a payment and would not re-send any debt validation. In addition, he re-assured me that no credit bureau reporting had occurred. I disputed the debt on my credit report for XXXX and it was immediately removed by XXXX and XXXX and is still being researched by XXXX 

On XXXX/XXXX/XXXX, I spoke again with XXXX at QAR and advised that the debt was removed from my credit report for XXXX and that in analyzing QAR 's website, I could not pull my account information and their website was unsecure and I would not be willing to make any payments or submit anything on such a site. I again demanded a debt verification letter and he refused. I advised that I wanted something to prove the debt because I was unaware of the debt, had XXXX credit bureau agencies remove the record and their call tactics and website made me leery of paying such debt. He stated that he would have to ask his " director '' if he could re-send the debt validation or other notice. The next day, XXXX/XXXX/XXXX, QAR reported to the credit bureaus. I had it removed from XXXX and have disputed it with XXXX. It was not reported to XXXX
Product: Student loan

This company is violating my privacy under the Privacy Act of 1974. It is illegal to report transaction history. They are also in violation of FERPA
Product: Mortgage

In XXXX, Countrywide sold my mortgage to your company. My payments were extremely high. I called the making home affordable hotline and we talked with a customer service representative with BOA. We discussed my options, and decided that a modification would be a solution. It was explained that documents would be sent to me to apply for permanent XXXX modification. The documents were sent to me via XXXX. The documents required me to get those documents notarized. I took those documents to my local bank XXXX XXXX XXXX and had those documents notarized by their notary. I then sealed those documents in front of the notary inside the return envelope that was sent to me by BOA. This documents was sent back via XXXX. 
Over the years, I have made several requests for BOA to send me the original contract of the first modification from XXXX. I was always told that you had those documents, and would send me a copy to look at the terms. I have never received a copy. I would like to see where the original contract stated that my modification would only be for five years. I was told that my modification was a permanent XXXX modification in the beginning, and that is what me and the XXXX counselor discussed with the customer service representative. 
On XXXX XXXX, XXXX, I received documents form BOA. Those documents did not include the modification loan contract from XXXX. BOA only sent an explanation of what the terms were. They also sent records of my payment history which show consistent payments throughout the life of my mortgage. My mortgage did not get in delinquent until the terms of my modification changed from a XXXX monthly payment to a {$1300.00} payment after a five year period. I applied for a another modification in XXXX XXXX and my payments went up even higher to {$1300.00}. I was told that it was based off my gross income and nothing else. However, back in XXXX ; I had basically the same gross income as I did in XXXX and in XXXX, and under the first modification my payments were {$720.00}. A modification can reduce your monthly payments and help you catch up with payments, because BOA was able to do that with my first modification loan. 
Lastly, I have been calling BOA to speak with the Home retention counselor who is assigned to me, and I have left messages and my call back number. I have not received any response at all. I was following the instructions in the letter that was sent to me from BOA that stated to call the home retention counselor because they had things in place to help ; such forbearance options etc. No one had gotten back with me even though I call daily.
Product: Debt collection

I am submitting this complaint against Source Receivable Management, a debt collection agency, for engaging in unfair and potentially unlawful practices. In XXXX, upon reviewing my credit report, I discovered an alleged debt in your records, which I promptly disputed by sending a validation request letter. 

Despite my attempts to verify the legitimacy of the debt, Source Receivable Management has failed to provide sufficient evidence. Furthermore, the company 's actions have raised concerns : Statute of Limitations : The debt in question appears to be beyond the statute of limitations in New York. 
Lack of Documentation : Despite my request, Source Receivable Management has refused to provide a copy of their bond, necessary for verifying their authorization to conduct business in New York. 
Harassing Communication : I have been subjected to numerous daily phone calls from burner numbers, with representatives exhibiting rude behavior and frequently hanging up when I attempt to engage in conversation. 
These practices not only violate the Fair Debt Collection Practices Act ( FDCPA ) but also cause significant distress. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigates this matter and takes appropriate action against Source Receivable Management to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

OnXX/XX/2020, I notice my social security number don't register with chase bank account.I would like for you to investigate my problem.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

XX/XX/XXXXBalance {$620.00} Updated on XXXX XXXX, 2025 XX/XX/XXXX XXXX Balance {$1100.00}XX/XX/XXXXXXXX Balance {$1700.00} XX/XX/XXXXXXXX Balance {$350.00} XXXXXX/XX/XXXXXXXX Balance {$1500.00} XXXX Balance {$55.00} Updated on
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer reports and observed an account for which is not reporting accurately. There are 2 late payments on this account that were paid on time. As you know, consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on the payments for the account in question : Account name : XXXX XXXX XXXX, Account # : XXXX and, I am including screenshots with this complaint, specifically for the dates XX/XX/year> and XX/XX/year>. I request a thorough investigation into this matter and require proof in the form of statements that validate these alleged late payments. If no proof can be provided, I demand that these payments be corrected to reflect " paid as agreed '' and/or " paid on time '' as they should be. Thank you for your understanding and prompt attention to this matter.
Product: Mortgage

Rushmore Loan management XXXX will not permit applying for loan modification online and direct you to call. However, they do not answer the phone and the phone directs you to go online. 

I have spent hours trying to reach this company to no avail. Many times they tell you to call back during business hours but it is during business hours. 
Rushmore recently bought my loan from XXXX and they are a sham! 

They need to be required to staff appropriately to meet the needs of their customers during this critical time. 

It is unacceptable to just ignore refinancing, loan modification and other needs of customers.