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

My account with XXXX XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 me 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 AUTO FINANCE - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 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: Debt collection

I have called XXXX XXXX , XXXX to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.
Product: Credit reporting or other personal consumer reports

I provided XXXX dollars plus in receipts. According to them I've only paid XXXX totals I'm XXXX years. The car note is XXXX a month. The car hasn't been repossessed ever. They are also playing with my payments. Meaning I have missed things
Product: Checking or savings account

From my checking account at Bank of America unauthorized transfers were made as follows : Date Amount XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Total XXXX i contacted Bank of America on XX/XX/2022, and they told me that in nine days they will give a resolution, and a credit will be placed in my account. Nine days passed, and I did not receive a notification or a credit into my account. 

I contacted them again several times, and all they said was that the investigation was concluded, and that all the transactions were made from my phone or my computer. They have not provided any documentation on their investigation, or any reasoning as to why they have denied my claim. 


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Product: Credit reporting or other personal consumer reports

It has recently come to my attention XXXX XXXX is illegally reporting a charge off on all 3 of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with Internal Revenue policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX XXXX reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

Dear Champion Mortgage Customer Support, This office represents XXXX XXXX XXXX, surviving spouse of XXXX XXXX. XXXX XXXX received the enclosed correspondence, implying that she is required to select an offered option in order to retain her home. 
This matter has already been litigated to a Final Judgment in her favor, enclosed. As such, correspondence such as this borders on harassment and unfair and deceptive trade practices. 
You are hereby ordered to cease such threatening contact immediately. If further intimidating correspondence, such as the enclosed options letter, is received by XXXX XXXX, she will proceed with filing a CFPB complaint and all other legal alternatives.
Product: Debt collection

I canceled my XXXX service in XXXX of XXXX. They indicated to me that it would take several weeks for the final bill to be issued. Finally, in XX/XX/XXXX, they issued a billing which included {$250.00} of past-due charges and adding {$240.00} for equipment. However, I was not issued boxes or instructions for returning the equipment. Finally, through a series of frustrating phone calls in the following months, I was provided with information to return the equipment. I have a copy of this return receipt dated XX/XX/XXXX. 

Despite returning the equipment, no adjustments were made to the bill. Therefore, I paid {$110.00} on XX/XX/XXXX, as this was the amount that XXXX indicated to me was needed to reconcile and finalize the account. 

However, this continued to linger. They indicated to me on the phone that it will take a minimum of 45 days for them to update their billing system from the returned equipment. Based on my follow-up calls to XXXX, I confirmed on XX/XX/XXXX, with XXXX at XXXX that the bill had been adjusted, and the balance was now $ XXXX. However, when I requested a paper copy of that, he said that he could not send that out. In addition, he said it was against company policy to provide last names, and they do not have ID numbers for reference of the conversation. 

Beginning XX/XX/XXXX, XXXX, a debt collector, began sending me collection attempts for this erroneous billing. These continued with phone calls, sometimes several times a week. I continued to indicate to them that this was an erroneous bill and indicated that if it was not, they need to demonstrate the line item cost behind the phantom bill and show the adjustment of the returned equipment. Finally, they stopped calling, and they removed it from my credit bureau. Then in XX/XX/XXXX, XXXX  XXXX began calling me with the same abusive tactics. I spent 10+ more hours describing everything to them and reconciling what the corrected amount should be. The representative 's name was XXXX XXXX. She said she would call me back in two weeks, which did not happen. When I returned the call to XXXX  XXXX, they claimed they had no record of the conversation and that their agents can not issue return the calls. Several weeks later, the collection was removed from my credit bureau. 

Last month a 3rd collection agency ( EOS CCA ) began calling me on the same issue. I have mailed out the copies of the payment I made for {$110.00} and highlighted the erroneous charge of {$240.00}. However, this still does not explain why XXXX indicated to me on XX/XX/XXXX, that I had paid everything ( with the return ) in full. When I request that they update their records and show line items of the amount due, they sent a copy of the erroneous bill as of XX/XX/XXXX, with no adjustments/corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX  refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX  credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Student loan

This is the letter I wrote to Navient on XXXX XXXX XXXX. 
Below is my detailed Student Loan Information. I have also enclosed a pay-out history showing the payments that have been made to date, including CAPTIALIZED INTEREST and LATE FEES. 

I do not understand how I can be charged INTEREST in ADVANCE. The first loan was paid in full prior to the original due date, however, based on this CAPITALIZED INTEREST I was charged for interest on this loan for the entire duration of the loan even though I paid it off early. 

I would like detailed explanations for the following charges : 1. I would like an explanation and justification for the charges of Capitalized Interest. The TOTAL in CAPITALIZED INTEREST since XXXX is {$10000.00}. This is in addition to the monthly interest I have been paying. 

2. The TOTAL in LATE FEES since XXXX ( which was a result of the XXXX foreclosure crisis when my husband lost his business ) is {$210.00}. 

3. I would like an explanation of the an AdjustmenXXXX of {$1700.00} made on XX/XX/XXXX. 

4. I would like an explanation of the fees charged on the following payments : Payment of {$250.00} on XX/XX/XXXX - {$210.00} fee Payment of {$240.00} on XX/XX/XXXX - {$22.00} fee Payment of {$380.00} on XX/XX/XXXX - {$11.00} fee Payment of {$190.00} on XX/XX/XXXX - {$11.00} fee 5. I would like an explanation as to why NOTHING was applied to my Principal Balance for payments on the following dates and ALL was applied to interest : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All payments that were made on the XXXX of the month for the entire year of XXXX All payments that were made for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX In summary I have calculated the following : INTEREST PAYMENTS TO DATE : {$15000.00} CAPITALIZED INTEREST TO DATE : {$10000.00} XXXX. FEES {$260.00} LATE FEES {$210.00} UNEXPLAINED ADJUSTMENT {$1700.00} {$28000.00} It seems criminal to me to be charged {$28000.00} in interest and fees on a loan of {$48000.00}. I DEMAND AN EXPLANATION. 
I am wanting to pay the other 2 loans off within the next 30 days. I would appreciate an adjustment of the CAPITALIZED INTEREST as well as all the other interest and fees paid to date on these. 

You can calculate a PAID IN FULL date of XX/XX/XXXX. 

It appears to me that YOU owe money to ME. 

Please be advised I will take this to the highest authorities possible in order to have this type of criminal activity exposed.
Product: Credit card or prepaid card

On XX/XX/2020 I was assessed a late fee on my account # XXXX.Payment was then processed on XX/XX/2020. I have attached proof from my bank my payment was sent on XX/XX/2020 and was received on XX/XX/2020. The bank then held the payment until a late charge would be assessed. This was brought to the attention of the customer service representative. She refused to reverse the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) had pulled my Transunion credit profile without my permission on XX/XX/2022. And their manager also harassed me about they will pull my credit profile at XXXX and XXXX ( at that time I froze those two, but not Transunion ) So I want this credit inquiry should be removed from my credit profile. 

They tried to obtain my credit profile even though I said I had already been approved for an auto loan from the local credit union and they already got my documents. But Dealer tried and also did verbal harassment about I don't want to unfreeze my credit report ( because this is unnecessary )
Product: Money transfer, virtual currency, or money service

I have over 20 years experience with bank transfers of XXXX XXXX XXXXXXXX, escrows, etc. and the discrepancy for lost wire transfer by Wells Fargo Bank USA to bank in the XXXX is simply wrongful. Typically, when funds are sent to a closed account the receiving bank does not accept the funds and are returned within 3 to 5 business days. However, Wells Fargo has not returned the funds and has been evasive in providing any proof the funds have been received by the destination bank and the destination bank indicates no such funds have been received. I believe that Wells Fargo or an insider employee is abusing the XXXX system through undermining or lack of internal controls for the purpose of diverting funds to a holding deposit account. These funds are held for the purpose of their own use or could be an individual inside the bank. In normal case any issues with an executed wire transfer should be resolved in XXXX to 5 days ( e.g., sending funds to a close account or wrong IBAN number ). However, I believe Wells Fargo takes advantage of wire discrepancies with the aim to keep as abandoned funds. To substantiate this suspicion, I discussed the matter with an XXXX employee who confirmed he also had some discomfort with Wells Fargo internal controls or even compliance in this area and that it should be investigated. I have an historic account of the transaction investigation which still has not been resolved after 9+ weeks. Facts : Transaction date : XX/XX/2023 Amount : XXXX XXXX ( USD XXXX ) Several cases have been opened with Wells Fargo Bank each time them closing the case after responding that the funds are with the destination bank. The destination bank has been contacted several times and confirm that any funds sent to a closed account are not accepted and therefore Wells Fargo has the funds never leaving the bank.
Product: Checking or savings account

XXXX They said there helping but there not and I'm getting XXXX by them and I'm not going to allow it. I'm ready to sue them for there fraud actions now.. This is XXXX XXXXXXXX XXXX scams all over again .. ( XXXX ) XXXX new cell #
Product: Mortgage

My husband and I applied for a mortgage loan with Citibank XXXX, CA on XXXX XXXX, 2016. We ca n't afford our rent with our retirement income so we looked to buy a condo in XXXX XXXX, FL where real estate is cheaper. We met all the bank requirements, including paying over a {$1000.00}, and then our loan was approved. After two months of waiting for the loan to close, the loan was denied because the condo 's HOA did not have as much coverage as Citibank was looking for. 

The loan was not completed on the closing date of XXXX XXXX, 2016 because of an issue with the HOA coverage between Citibank and the XXXX, but we hoped it would be done by the extended date of closing of XXXX XXXX, 2016. I tried to contact my loan agent, XXXX XXXX, before the second closing date but he did not respond. On XXXX XXXX, I sent him an email to ask what is going on with our loan. No response again. On XXXX XXXX, 2016, I called Citibank and talked to lady named XXXX. She made a complaint on my behalf and suggest I call XXXX XXXX, XXXX supervisor. I left her a message because she did not work that day. Soon after, XXXX XXXX called me - he was very rude, yelled at me and asked me why I complained to his boss. A couple of days later, on XXXX XXXX, 2016, I went to talk to XXXX XXXX in person. She apologize to me and she promised to return our money in seven to 10 days. After almost two month of waiting we have not received any money from them. My husband went to see XXXX XXXX a couple days ago but her coworker told him she was not in the office, even although he heard them talk behind the closed door. 

Expenses for the loan : {$290.00} - on XXXX/XXXX/2016 for condo inspection {$15.00} - on XXXX/XXXX/16 for an application fee ( bank charged our credit card, we approved ) {$460.00} - on XXXX/XXXX/16 for an appraisal fee ( bank charged our credit card, we approved ) {$260.00} - on XXXX/XXXX/16 for XXXX ( bank charged our card, WE DID NOT APPROVE ) {$1.00} - Total expenses. 
I can prove these payments/charges with my bank statement. 

All I am looking for is my money from the list I included above, although this process has cost me a lot of more. I spent my savings to pay off our car loan and our son 's student loan in full, which was around {$20000.00}, as this was a requirement from the bank. I can provide proof of this. Also, my current rent increased by {$200.00} a month, because I had to give my apartments a notice of vacation, again per Citibank 's request during the process of approving the loan. I can also provide proof of this. 

I do n't have money for lawyer, so you are my only hope to get my money back. 

Thank you!
Product: Money transfer, virtual currency, or money service

Crypto.com emailed me a promotion back on XX/XX/2022. I would receive {$25.00} worth of CRO tokens if I direct deposited {$400.00} or more by XX/XX/2022. Per their terms, payout would occur within 21 days of the posted direct deposit. My paycheck posted on XX/XX/XXXX in the amount of {$400.00}. It has been well over 21 days and I still have not received the promotional payout. Please find attached screenshots of my promotional email.
Product: Payday loan, title loan, or personal loan

Original loan was in XXXX. XX/XX/XXXX received a text saying a warrant for my arrest was being done for non payment. Loan didn't maturectil XX/XX/XXXX so it wasn't even past due as of yet. I have since lost my jonmb so can't pay. They say I owe XXXX, XXXX and something dollars, so balance has increased instead of decreased. I have since learned that my contract is illegal. They are charging 152.08 % annually which is over the 12.5 % cap on pawn transactions. Have relied my truck and said selling. So far, no resolution. They will not budge. Want my truck back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Equifax to investigate and correct inaccurate information on my credit report. I sent a letter to them XX/XX/XXXX and I have not received a response back in over 30 days. I also tried to fix this with the furnisher, but they failed to investigate and failed to validate the information.
Product: Vehicle loan or lease

GAP insurance covered my vehicle in the event my car was stolen, as well as providing an incentive of XXXX. Consumer is not liable for debt and asked BRIDECREST to provide validity of the repossession and debt for consumer. Under GAP insurance contract through Finance Companys Consumer is not liable for repossession or outstanding balance. BRIDECREST failed to provide proof of information/validity via email or Mail. Bridecrest Removed comment-Reinvestigation in progress from account between XX/XX/XXXX of XXXX XXXX but failed to provide supporting documentation after.
Product: Mortgage

I have a current pending RMA with Bank of America. As of XXXX XXXX, XXXX I was told it was still under review. However, BOA has notified their foreclosure attorney to schedule a foreclosure date. The attorney 's office was notified that I have a pending RMA and requested it be postponed until a decision is made. The attorney 's reply was " Please be advised that our client has not elected to postpone the pending foreclosure sale. '' When speaking with an attorney I may need to retain, I was advised that BOA is " dual tracking '' as prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Furthermore, I have learned that BOA was XXXX of the XXXX largest banks involved in a XXXX National Mortgage Settlement which restricted dual tracking, and I would like to report that they are apparently attempting to " dual track '' home owners again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting does not investigate according to law. If you file a dispute, a few hours later the dispute is finished and nothing changes on the report. 
The following negative collection is on my credit, but the reporting company XXXX, does not have this account, and Experian will not fix it. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$2300.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2300.00} {$2300.00} Payment Info Original balance {$2300.00} Balance {$2300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Checking or savings account

BOA states that XXXX XXXX made purchasesXXXX transfers with a debit card with a balance of {$300.00} in it. The purchases were made in a 2 day time frame. 
This is clearly a cloned card being used, the most un real part of this is this : How does BOA allow XXXX and or XXXX to dispense those amounts of money without contacting someone or putting a hold on the account, I did not think XXXX would allow money to be transferred over the amount in the account. And are there no limits/daily on the cards? Mine sure has a limit on it. 

My branch manager has tried to have the case reopened and was declined he said from your fraud dept who clearly are not doing their job correctly allowing something like this to happen and then not even doing a thorough investigation.