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

Subject : Request for Removal of Late Payments Due to COVID-19 Pandemic Under the CARES Act Dear Dispute Resolution Team, I am writing to formally request the removal or correction of late payments reported on my credit profile during the COVID-19 pandemic. These late payments are reported in violation of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. 
The specific accounts and late payments in question are as follows : XXXX. XXXX XXXX XXXX / XXXX - Late Payment in XX/XX/XXXX and XXXX Closed XXXX XXXX. XXXXXX/XX/XXXX XXXX Late Payment in XX/XX/XXXX, XX/XX/XXXX and Closed XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX Late Payment in XX/XX/XXXX and XX/XX/XXXX The CARES Act, enacted on XX/XX/XXXX, includes provisions to protect consumers from negative credit reporting due to financial hardships caused by the pandemic. Specifically, Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to require that if an account was current and the consumer made an agreement with the lender regarding deferred or modified payments due to the pandemic, the account should be reported as current. 
During the pandemic, I reached out to my creditors and entered into agreements regarding payment deferrals and modifications. Therefore, the late payments reported during this period should not be reflected on my credit report. The continued reporting of these late payments indicates non-compliance with the CARES Act and the FCRA.

I request that you : 1. Investigate the disputed late payments and promptly delete or correct any information that is inaccurate or not in compliance with the CARES Act.

2. Provide me with a copy of my updated credit report.

3. Cease reporting the erroneous late payments to any third parties until the investigation is complete. 
Please consider this letter as formal notice that if these items are not removed from my credit report, I will be forced to take further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 

I appreciate your prompt attention to this urgent matter and expect a response within 30 days of your receipt of this letter, as required by law. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report with
out my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Debt collection

XXXX-XXXX  It starts with that complaint, XXXX abruptly closed my credit card account without warning or cause. Their operator refused to discuss the matter after I had identified myself using their methods but instead did information phishing for XXXX accounts. I had an overpayment and they were refusing to refund and after I filed complaint over it they began daily harassing calls ( More than the " Two as claimed ) making false allegations of my 'Fraudulently contesting charges ' even though there weren't any contested charges involved. I had to continue complaining to you. 

After you made them issue the refund they began making unauthorized payments without my knowledge from the closed account. They interfered with my closing an XXXX account after XXXX refused to let me change the payment method and they abruptly paid them for 3 months. I can only guess this was some revenge action. XXXX said from the beginning the account was closed and that they would not reopen it. Isn't there a penalty for lying in their responses? 

XXXX had previously said they were dropping the matter and making no credit reporting. Now this Firstsource LLC has contacted me. They sound sketchy. But they need to be instructed on the issue of illegal activities by XXXX. XXXX has lied repeatedly, leaving ongoing phone messages from numerous people with the apparent intent of this one denying doing it personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. I think Equifax has 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. The account must be fixed : XXXX XXXX  XXXX Late Date XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed on a car with my husband in XXXX 2011. The car has been since repossessed. It was a XXXX XXXX. Ally Financial is reporting the balance of {$16000.00} as past due every month as well as derogatory. I am not past due on an account that is in collections and closed. Once the car was repossessed, there is no longer an agreement in place. I have worked with ALLY to quit reporting this account as past due as I do not have a current agreement with them but they will not. This is unsatisfactory business practices.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA Credit usage XXXX XXXX Balance {$7900.00} Balance updated XX/XX/2023 Credit limit {$10000.00} This is again, not correct. This Bank Card refuses to update the correct balances monthly and XXXX will not allow me to dispute monthly. There website shows, that they wait until the Creditor provides the information. When you are applying for loans this will not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 sec.602 A. States I have a right to privacy 15 U.S.C. 1681c 2 sec.605 B. a consumer reporting agency shall block any information consumer identifies as information as a result of identity theft.DELETE not later than 4 business days after the day of receipt. It has been 7 days ; You are in violation! XXXX XXXX 15 U.S.C . 1666b : A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose. DELETE LATE payments.
Product: Credit card or prepaid card

I was reviewing my credit card statements for my Best Buy Credit XXXX through CitiBank and I noticed a fee that they were calling a debt protection  fee. I went as far back as i could on the available statements which was XXXX of XXXX and noticed the fee was there. I do not recall ever agreeing to this service or signing up for it. If so I was misinformed of the product. The amount ranged from {$16.00} to {$19.00} each month as far back as the previously mentioned date above. I looked at the overall amounts charged in fees and here is what i found per year : XXXX - {$430.00} ( I had late fees in this so the fees for the service were likely around {$270.00} XXXX - {$280.00} XXXX to date - {$150.00} I checked the internet and saw that CitiBank had been recognized as committing unfair acts and I feel that I was one of those they misrepresented information too and taken advantage of. 

I feel like a fool for not keeping track of my statements and looking over them each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 
15 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX services sent me to collections for {$110.00}, they claimed I never returned my residential account equipment when they installed my business account in the same address. I changed from residential services to business account in XX/XX/XXXX. They waited over 1.5 years to inform me of this un-returned equipment. after they research the equipment and realized I didn't have it they removed the balance they claimed I owe them. Nevertheless, they already had send me to collections. The collections Agency is called IC System and they work for XXXX as their collector. IC system illegally reported erroneous information to my credit which is affecting my ability to obtain new contract in the line of business I work in. 

Now, it has been six months I've asking XXXX to provide me with some type of documentation to proof IC systems I don't own this money. XXXX  have submitted numerous amount of tickets with the intent to inform IC systems i dont owe them this money. However, this tickets have lead to no resolutions. 

XXXX refuses to call IC Systems and IC system say they dont call their clients to confirm the account status. I do have recorded conversations where they acknoledge they cant provide me with written documentation to resolved my dispute ; also, i have recorded my conversation with ic system where they acknowledge that they dont call XXXX. 

If they are doing this to me, i am sure they are doing it to other consumers as well. 

please, help me in getting this resolved and help consumers not having to jump thru hoops to be treated respectfully and fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this on multiple occasions. My XXXX account with XXXX XXXX  has been CLOSED with a {$0.00} balance for over one year. I have written a letter and filed online disputes to have the status changed from OPEN TO CLOSED yet this last time they updated the date of the latest account balance to XX/XX/XXXX and dismissed the issue at hand. My dispute could not have been more clear, yet unresolved. 

A message was added by your agency to my dispute resolution report regarding the XXXX issue. The exact message on my dispute report # XXXX that was supposedly resolved on XX/XX/XXXX was noted as " PLEASE CONTACT CREDIT GRANTOR AT XXXX " Since this phone number was different than the one for XXXX listed on my credit report of ( XXXX ) XXXX and because it looked odd the way it was noted with a minus sign before and after it and no spaces, I looked up the number online and it does NOT appear to be XXXX . I believe there is internal fraud/assistance for possible identity theft being perpetrated by directing me to contact this number which is fraudulent. If I am correct, your agency should be able to identify with audit trails who added this contact number to my dispute report and it will lead you to a criminal within your organization. 

This account is shown as closed at the other 2 credit reporting agencies and I contacted XXXX myself to make sure it is closed with no outstanding balance. I closed ALL my credit cards over 1 year ago. 

It is a simple fix which should only take one call to XXXX, yet for some odd reason, this has not been corrected despite my repeated attempts. 

I believe I am a target for identity theft so it is ODD and concerning this simple request has been dismissed and the unusual phone number I was given to investigate this further on my own. This is internal fraud in your agency, I am almost certain. Please investigate to protect me and the public. Thank you.
Product: Debt collection

To whom it may concern, I'm contacting you with regards to my enter actions via phone with the debt collector and as well as the discussions on how to resolve the debt collection that was first time brought up to my attention via mail.I received a letter from the Iq Data Collection company on XX/XX/2023 .After reviewing the letter I called the Iq Data Collection company and disputed the amount based mentioned in the letter.Despite my respond to the letter before the due date which is XX/XX/2023 I was informed of being reported to the Credit Bureau which has cost me a tremendous damage on my move to my new resident.Up on attempting to resolve the issue of being reported to the Credit Bureau and providing proof of being wrongfully accused of bill collection by the original creditor I spoke to XXXX XXXX who is the representative for the Iq Date Collection who not only consider my concern being reported to the Credit Bureau before the due date on the letter from the Iq Data Collection company I was refused to speaking with a supervisor.Today XX/XX/2023 for the third time I attempted to provide proof of wrong fully accused of bill, reported to the credit bureau XXXX refused to speaking with a supervisor I was also provoked by questions such if I was making threats when clearly I said that the agent was not going to get away with refusing me speaking to a supervisor and the agent getting corrected for violating the policy of Iq Data collection company for the above violations.I 'm asking to please look into this complaints as I'm not able to reach anyone else to address my issue in the Iq Data collection company.Notice please that I have made three attempts and my rights are violated by being reported to the credit bureau before the due date of the letter, refused to speak to a supervisor level and was being provoked for falleselly questioning me of making threats not to mention that I'm being accused of the bill wrongfully and reported to the Iq data collection company which I have proof for being wrong fully accused of bill.I would greatly appreciate your concern and assistance, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX The above company on my record with the amount of {$580.00} does not belong to me. I do not own this account nor the previous creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

By all accounts on all three Credit Reporting companies, my 11 year history has been steady, with an EXCELLENT record of paying on time and reducing credit used as percentage of credit available. Reports were consistently improving and above XXXX " Very Good '' until .... I applied for a competitive mortgage from several lenders. My score and my wife dropped 20 points from Very Good to Good. Therefore reducing my ability to get the best interest rate available. 
These agencies are supposed to report based on credit payment and history, NOT PROJECTION future hypothesis that their algos come up with. I am incensed that they are allowed to hurt my ( and many others ) ability to access credit markets. 
They do not know my Income or Net Worth ( which is substantial ). 
THEY MUST BE REGULATED AND PUT ON NOTICE. HELP FIX THIS!!!! 

I have brought this to the attention of my Congresswoman, and both Senators.
Product: Checking or savings account

I received notification from Chime stating that my account received a mobile deposit return. I have never made any type of non-cash deposit on my account, ever. So I asked to dispute this transaction. They never responded and my balance remained as a negative balance.
Product: Credit card or prepaid card

The credit card company - Chase, keep charging me {$15.00} for when I use my card with a company that does money transfers even though the transaction is a credit card transaction and not a cash advance. This happens even when I use XXXX to pay for services. 

It has happened twice on XXXX where I have paid the fee for a credit card transaction. XXXX has said that even though it is a credit card transaction, and not a cash advance the Chase uses the transaction number to charge a fee. The transaction number is XXXX or XXXX. This is only the category of what the transaction is for and not that it is a cash advance or a charge. It is a description. 

The credit card companies are taking full advantage of this to decide which vendors we can use or not use. That is monopolistic behaviour.
Product: Mortgage

My loan was sold to Shellpoint Mortgage Servicing on XX/XX/XXXX. 
1. I disputed " fees '' and my Escrow Balance on my loan by direct email to two different departments of Shellpoint Mortgage Servicing.

2. I submitted an initial letter in writing on both XX/XX/XXXX and XX/XX/XXXX. 
3. On XX/XX/XXXX I received- by USPS- a letter dated XX/XX/XXXX from Shellpoint Mortgage ; with incomplete, wrong, and no detailed explanation of the " fees '' on my account. There was zero response of the explanation of my escrow account balance. 
4. I then resent my original complaint along with a new dispute letter on XX/XX/XXXX, for my 2nd request for detailed explanation of both my " fees '' and escrow account balance. 
5. It was not until XX/XX/XXXX that I received the written notice they have acknowledged my dispute ( which is beyond the requirement of the Mortgage Servicing Rules. 
6. They have violated this by not responding within the 5 days.

7. They should of originally responded correctly after my first request ( XX/XX/XXXX ) for dispute of notice of error and to also comment- I did not receive a notice of acknowledgement from Shellpoint on the first request for dispute on XX/XX/XXXX. 
8. I did receive a notice from USPS on XX/XX/XXXX from Shellpoint dated XX/XX/XXXX ( which is 43 days after my second request to complete my dispute from the first time I requested notice of error- which has been going on since XX/XX/XXXX ) stating that Shellpoint was " investigating '' my request. 
9. Within the Mortgage Servicing Rules, RESPA, and Regulation X - Shellpoint Mortgage Servicing should meet the requirements for responding to written request and complaints of Errors within the 30-45 days that are outlined and required.

10. Within this time frame of 30-45 days they are to provide me with either : correct the error and also provide me with written notice of correction OR conduct investigation including providing me with written notification of wither or not error occurred.

11. This also falls under the Consumer Protection Statue. Shellpoint Mortgage Servicing is required to provide me with an accurate disclosure of cost to maintain compliance with these statues/laws. 
12. After many request, I am now filing formal complaint for violation of my rights under the RESPA, Regulation X, Mortgage Servicing Rules, and/or the Consumer Protection Statue.
Product: Credit reporting or other personal consumer reports

To whom it may concern, upon further review of my credit report, there appears to be five out of six hard inquiries on my report in which I did not authorize or give permission for nor do I recognize them out of the six the only one I recognize is the XXXX XXXX XXXX  for when I opened my account with them. 

Inquiry details THAT WHERE NOT OF MY KNOWLEDGE OR AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC and XXXX XXXX XXXX are trying to bill me with accrued interests and fees for a debt over 7 years and already written off by the bank and off my credit report per FCRA, and ECOA ( regulation B ). 

The last time they tried to bill me in XX/XX/2017, I filed a police report for fraud because someone had stolen my Drivers License, Social Security and checks from a house I rented at the address where the account was opened.

They took the account of my credit bureau and off my person now almost 2 years later I get this bill from Portfolio Re covery Associates, LLC with a bill from XXXX XXXX XXXX for an account over 7 years old, off my person and off credit report per FCRA & ECOA and already reported as fraud and taken off by the bank.
Product: Mortgage

Refinance my home. During the signing of the paperwork found they made a mistake in the amount of escrow, paying too much. Was told that it would be corrected. It has not and I can not get the company to properly correct it after working with them for about 8 mounts.
Product: Mortgage

We submitted a short sale request to SPS on  XXXX / XXXX /  XXXX  . I have followed up every-other-day since to ensure we are moving along swiftly. Our offer is $  XXXX  and the bank completed a value on  XXXX / XXXX /  XXXX   that came in at $  XXXX . On  XXXX / XXXX /  XXXX   I was advised by  XXXX  at  SPS  that we needed to remove the word HAFA from the HUD and put the sellers name in where the {$10000.00} relocation incentive appeared. I provided that revised HUD to SPS on  XXXX . I continued to follow-up on an every-other-day basis. Due to lack of response I opened a complaint with CFPB on  XXXX / XXXX /  XXXX   case :  XXXX . On  XXXX / XXXX /  XXXX  , I believe in a retaliation move because we filed a complaint, they countered the offer stating they need a NET of {$220000.00}. Since the buyer is already paying {$15000.00} over value we had to remove some items and reduce realtor commission. I submitted a revised HUD to SPS on  XXXX  and requested that they not hold the file for another 30 days like they typically do. I called on  XXXX  and  XXXX  with no updates. I called  XXXX  and was told that the file was noted " today '' and to keep calling that I should have an answer any time now. I called  XXXX ,  XXXX  and  XXXX  all with " no update, still pending review, a decision will be made within 30 days '' response. I called today and was advised that on  XXXX  the file was noted that the relocation incentive had to be removed. Why was n't this told to me in  XXXX  or  XXXX  when I called numerous times? Why was n't I told when I called numerous times on and after  XXXX ? I have a letter from the Ombudsman department simply telling me about a required increased NET, never noting that the incentive has to be removed. Specifically SPS told me on  XXXX  to keep the incentive, just change the wording. Now I am asked to resubmit ANOTHER HUD and wait another 30 days. I asked for a supervisor and when I told him I would n't wait another 30 days and I want my file rushed he replied " That just is n't going to happen ''. Only after I asked for his manager did he reach out and try to get a rush. They still wo n't work my file without a new HUD  (  which I have requested from title ). I thinks SPS has exhibited malicious behavior on this file - purposely being neglectful in what information they are relaying, closing out my last CFPB complaint with a counter offer only to have an oversight on their part with the relocation incentive.
Product: Bank account or service

Hello, I sign up for Citigold Checking account with XXXX thank you bonus points. It was supposed to post on my account on XX/XX/XXXX my bonus. Its already XX/XX/XXXX, I been trying to resolved this problem with them through email for the last 4 months. Can you please help me resolved this issue. I feel like they do n't want to honor there promotional offer to there customers. Thank you very much.