23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

When I opened a XXXX  XXXX  IRA account with Bank of America, N.A. I was assured that I would receive my disbursement on the first of every month unless that day fell on a holiday or on a weekend. 

XX/XX/2020 fell on a weekday, I did not receive my disbursement as was promised by the financial institution. When I called the IRA division of the bank, the B of A agent told me their manager informed THEM that disbursements had not been processed. However, I received no notification of any sort, and suspect that no other depositors with the same type of account ( at minimum - there may have been others with other types of accounts ) were told. 

No explanation was provided by the agent nor any assurance that this would not occur again in future. 

I received disbursement the next day but I don't know if that was true for the others effected by this very questionable, likely illegal, lapse on the part of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please dont close this complaint down this is a real complaint made by me a human being. so i noticed some accounts on my credit that i did not sign up for and i called the creditors and they can not produce a contract with my signature on it and then i reached out to the credit bureaus and they did not remove the identity theft either. so now im doing this complaint with you guys to hopefully get things taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with Elan Financial that was opened XX/XX/XXXX. I used this account while in college and my grandfather was a co-signer on the account. In XXXX, my credit card expired and a new card was never re-activated. Unknowingly to me, there were auto-charges for {$200.00} on the account that were still be executed by XXXX and another company I do not recall. These bills were being sent to my grandfather 's office in XXXX and were being paid. In XXXX, his office was sold after he passed away and a forwarding address was provided for mail that was delivered to that location. These charges were again executed in XX/XX/XXXX and I never received a bill or notice of late payment from XXXX or ELAN financial. I found out about the pending charges via a notification from XXXX XXXX that my credit score had reported. I immediately paid the bill in XX/XX/XXXX and closed the account. I then sent a dispute letter to the ELAN financial regarding the charges that were made on an inactive credit card and explaining that I never received a bill or notice of late payment to the forwarding address for my grandfather 's office. To this day, I still have yet to receive correspondence regarding confirmation that the bill was paid, which I requested the day I paid the bill and an additional time I called to follow up. According to XXXX, XXXX and XXXX they have reported the account was closed but continue to report the account balance at {$270.00} ( principal charges and fees ) which I have confirmed is not true. Further, my dispute letter was sent to ELAN financial in XXXX of XXXX and I have yet to receive any response to my dispute to the address I provided.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts that appear on my credit 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
Product: Consumer Loan

I was financed through Ally Financial for my XX/XX/XXXX auto loan from XX/XX/XXXX-XX/XX/XXXX when my loan was paid off. throughout the agreement I made monthly payments by my due date on the XXXX or by the 10 day grace period which is the XXXX. At one point when I didnt make a payment by the due date or the grace period Ally third party called me over 100 times with in that month at all times of the day. after the 1st call, I made payment arrangements that apparently was not updated into their system because they kept calling. After maybe the 20th call I informed them that I had made payment arrangements and to please stop harassing me with the frequent phone calls. the calls never stopped. I would receive calls as early as XXXX until XXXX at night all throughout the day until eventually I started blocking the multiple numbers the company would call me from. these harassing phone calls from Ally Financial has caused me stress, and paranoia due to the threatening phone calls and letters to seize my car and and the late fees and penalties I incurred while while my financial hardship. Under no circumstances should a customer be harassed and annoyed such as I was with phone calls early enough and late enough to disturb me from my sleep. So nonetheless I worked hard to pay off my debt owed at Ally. A check was sent to Ally Financial on XX/XX/XXXX to complete this payment and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received phone calls from Ally. On XX/XX/XXXX I informed them that a check was sent to them paying my car loan off and that they should update my account reflecting a zero balance. They agreed but I continued to receive calls. I told the same thing again that day and the next two days they called. Finally on the XX/XX/XXXX they called early that morning waking me up out of my sleep and I finally gave them the tracking number and the person who who signed for the check at XXXX XX/XX/XXXX and they hung up on me. I called back and they hung up again. I checked my online account and it finally said XXXX balance. Now that I am no longer a customer I would still like to be refunded for my rights as a consumer. I had to block approximately XXXX different numbers from Ally Financial and third parties calling to collect a debt after I told them they were harassing me and I would no longer like for them to call me. I filed a XXXX complaint which they responded no agreeing to pay me anything because they nver meant to harass me they were just making several attempts to contact me but of course I would n't answer because I already asked them to stop calling and they never did stop until my account was paid off. they charged me over {$10000.00} in late fees, interest and penalties and I am seeking that amount back.My total amount I am asking to be refunded is {$10000.00}. That 's including the late charges and fees, the phone numbers i had to block due to harassment and the mailing costs I incurred when mailing them letters to try and get my complaint resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 XXXX  days before the payment due date. 

XXXX 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an incident of unauthorized hard inquiries on my Experian credit report documented below. 

I did not authorize the five inquiries below, dated XX/XX/2023. I contacted Experian to have them removed, but they have failed to do so. 

I kindly request your assistance in investigating this matter and ensuring that these unauthorized inquiries are promptly removed from my credit report. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I want to bring to your attention that Columbia Debt Recovery , LLC is not registered as a licensed debt collection agency in the state of Florida. Additionally, my wife and I did not receive any prior notice about this collection before it was reported to the XXXX major credit reporting agencies. The report submitted lacks important information such as an account number. According to the information provided by XXXX XXXX, the details are as follows : Creditor : GENESIS CREDIT MANAGEMENT Last reported : XX/XX/year> {$420.00} Open balance Original creditor : GENESIS CREDIT MANAGEMENT Account opened : XXXX XXXX, 2024 ( 2 months ) ; Account Status : Open Type of Responsibility : Joint Remarks : Placed for collection I am confused because I did not receive an itemization date for the debt when the accounts were placed for collection with the three major credit reporting agencies XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Product: Money transfer, virtual currency, or money service

I was scammed into sending money to a person through Cashapp. 

I have reported the issue to Cashapp but they are not providing me with any solution. 

Their process just sent a message to the receiver of the money for a refund but obviously that person is not going to send the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  Wells Fargo  closed my home Equity loan account #  XXXX  on  XXXX / XXXX / XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XXXX / XXXX / XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo r esponse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on  XXXX   XXXX ,  XXXX . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone number   ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo,   no documentation, no payment notice, no account number info or return address?    2 )  Their is no " Active Foreclosure '' as my home was foreclosed on in  XXXX  of  XXXX  by  Wells Fargo  while I was going though their modification process? yet another false statement.    XXXX  ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.    4 ) Wells did not try too hard to reach me as I called their POC   XXXX   XXXX  at the number provided  XXXX   XXXX  ex  XXXX  ) within their canned  XXXX   XXXX   XXXX  letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells  is held responsible for their wrong doings and support of predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote a letter to XXXX, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XX/XX/2018 Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Jefferson Capital Systems , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I am having a problem with a collection agency by name of Convergent Outsourcing which is reporting information on my credit reports that I do not recognize and which I have disputed prior in numerous attempts to get the debt validated. The company has responded numerous times that they have complied under FCRA compliance but has not ever sent documentation to me in a hard copy format that would explain the debt as my own. It is my belief that I am either being confused with someone else or else that an unauthorized usage has occurred. 

Numerous complaints have gone unanswered from my end and the bureaus insist that the collection agency has complied with the law but offer no proof other than the statement. I am asking this agency for assistance in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. XXXX I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, XXXX, and Transunion credit bureau regarding the hard inquires on my credit within the last couple of years. I am submitting this complaint because I have contacted all three credit bureaus dispute department via telephone several times to dispute hard inquires that do not belong to me, nor did I authorize these companies to review my credit report. I have disputed the hard inquires on the website on my account. Nothing gets processed or resolved, I receive dispute resolution within hours after filing the dispute online. On the XXXX website under disputes on the members account, it states " Inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. '' I have attempted to resolve this matter several times by calling the disputes department and I was advised that members are not allowed to remove hard inquires on credit reports. All hard inquires stay on the credit report for two years. I am submitting this complaint because there are hard inquires on my credit report that I did not authorize nor belong to me.
Product: Checking or savings account

I received a promotional email on XX/XX/XXXX for a Citi Accelerate Savings Account. The bonus amount was {$450.00} for a new account opened online, if {$50000.00} was deposited within the 20 day deposit period and held for 60 days. I opened the account on XX/XX/XXXX and funded that same day with {$200000.00} and held it the required time. I was told the bonus would be paid on XX/XX/XXXX, after the 60 days plus 20 days had expired. I did not receive my bonus as I should have. I have called Citibank on multiple occasions to resolve this and was told it would be resolved multiple times, and it has not. The latest attempt was a chat on XX/XX/XXXX where they opened a dispute case for the onus, XXXX. A week later, it is unresolved. I called again and they said them mailed me a letter ( I did not receive it ). They said I was not eligible because the bonus is for targeted customers only and I needed to have an email. I explained I was sent the email invitation on XX/XX/XXXX with invitation code # XXXX. Upon opening the account the promotion code listed was XXXX. Many agents agreed I was entitled to the bonus. Subsequent agents I spoke with don't read the notes and give false information. 

Citibank has committed fraud. I have requested they correct the bonus and credit {$450.00} to my account ending in XXXX. I also requested an ADDITIONAL {$450.00} due to spending several hours trying to resolve their mistake. I had three separate accounts that would have been eligible but understand the promotion was only valid for the account ending in XXXX. 

I called on XX/XX/XXXX and they opened a new dispute case on XXXX. They are stating I need to mail them the email letter. This is absurd.
Product: Money transfer, virtual currency, or money service

Hello, Over {$12000.00} in crypto was stolen and withdrawn into an external wallet via my crypto.com account. They refuse to do anything about it and say that someone had access to my account therefore they can not do anything. I DID NOT make these withdrawals and didnt approve them. 

Please can you help or investigate the matter? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Department, I am writing to formally request the immediate deletion of a XXXX repossession account, which I previously disputed, from my credit report. The disputed account, which was deleted from my XXXX secondary credit report following their investigation completed on XX/XX/year>, is now considered unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy and completeness of all information reported. Since XXXX has deleted this account entirely from my report, I must emphasize that this action serves as confirmation that the account is unverifiable. Therefore, it is now your duty to follow suit and remove the account from my credit file immediately. 

As per FCRA 609 and 611, consumers have the right to dispute any inaccurate or unverifiable information on their credit reports. If the account can not be verified or confirmed with evidence in compliance with these laws, it must be deleted promptly. I am requesting that you conduct your investigation and remove this unverifiable account from my credit report within 30 days of receipt of this letter. 

Additionally, FCRA 616 and 617 provide me the right to pursue legal action against any credit reporting agency that fails to comply with its obligations under the law. If this account is not removed within 30 days, I will have grounds to seek legal remedies, including suing for damages for failing to ensure accurate reporting. 

I have included a copy of my XXXX credit report confirming the deletion of this account for your reference. Please confirm in writing once this account has been removed from my credit file, or provide me with any evidence you have used to verify this accounts validity. 

Failure to address this matter promptly will leave me with no choice but to escalate my concerns with the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal options. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Failure to Reinvestigate and Remove Late Payment under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) Account XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Credit Bureau Name : TransUnion/XXXX  XXXX for failing to properly reinvestigate and remove a late payment that has been inaccurately reported on my credit report, in violation of federal law. 
Details of the Issue : Account Name : ** XXXX Account Number : ** XXXX Date of Incorrect Late Payment Reported : ( XXXX XXXX XXXX EXPERIAN Date of Incorrect Late Payment Reported : ( XXXXXXXX XXXX ) TRANSUNION Credit Bureaus Involved XXXX ** TransUnion, XXXX Under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) ), I am entitled to have any erroneous information removed from my credit report following a proper reinvestigation. I disputed the reported late payment with TransUnion and XXXX on XX/XX/year>, providing all necessary supporting documentation to prove that the payment was not late. Despite this, the late payment remains on my credit report, negatively impacting my credit score.

Steps Taken : 1. I submitted a formal dispute to TransUnion and XXXX on XX/XX/year>, requesting a reinvestigation into the erroneous late payment reporting. 
2. I provided evidence, including bank statements and payment confirmations, showing that the payment was made on time. 
3. I received a response from TransUnion and XXXX in XXXXXXXX XXXX, indicating that the late payment would not be removed without a satisfactory explanation or evidence for their decision. 
4. Adjunto una carta que demuestra que el acreedor no me respondi dentro del plazo de XXXX das, en la cual solicito formalmente que se me proporcione una prueba detallada sobre este artculo especfico. '' [ segn 15 USC 1666 ( b ) ] que ha adoptado para garantizar que cada estado de cuenta peridico se me enva por correo a m ( el consumidor ) a ms tardar 21 das antes de la fecha de vencimiento del pago. Incluya tambin toda la informacin requerida por la seccin 1637 ( b ) del Ttulo 15. 
5.Additionally, I want to inform you that no information about this account appears on XXXX, which constitutes a violation of my rights, since the account must be reported uniformly in the three credit bureaus.