23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We paid our Citi credit card statement balance of {$16000.00}, via the internet, on XX/XX/2020. Citi withdrew the funds on XX/XX/2020 from our XXXX XXXX account. However, they have told us that the funds will not post to our Citi account until XX/XX/2020. 

Why are they allowed to " hold '' funds for 14 days?
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a cfpb complaint against Equifax on XX/XX/2022 the complaint number is XXXX it has been well over the amount of days allowed by law.
Product: Student loan

I recently contacted Sallie Mae and I was told my account is up to date, I do admit to being late because Sallie Mae will not work with me and has made me choose between medication and doctor 's appointments over their payments and has refused to work with me on trying to lower the payment. Well my account is still showing a past due amount on my credit report so I asked XXXX to request updated information from Sallie Mae and Sallie Mae told XXXX that my account still has a past due balance instead of showing that the account was paid up to date last month. Is this not illegal and considered libel if last month, the reported information should show the past due amount was paid yet purposefully refused to fix this when requested.
Product: Debt collection

My identify has been stolen 3 times now last month my bank sent a letter saying that my info was stolen. I Never had anything to do with this company and its getting very stressful. Its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a payment extension for the month of XXXX XXXX XXXX XXXX XXXX  I was granted a approval the resp stated to me I was fine no late payment will be placed on my account because its the XXXX day and she will put a note on the account.I received a message from my credit monitoring service that it was a late payment pending to come on my account for capital one auto for XXXX.i immediately called.how can you report me late if I was approved for the extension for XXXX and the rep stated because it took 24 hours to process iit. I stated to him but I should not have a late payment on my account thats the other point of getting an extension. I cant afford to have that on my report
Product: Vehicle loan or lease

I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/XXXX. As a 30 day late pay. And in XXXX XXXXas a 30 day late. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I discovered that there is an information on my report that is hindering my credit worthiness without my permission. This is in violation of my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I have decided to express my concern on Zelle 's failure to protect payment safety. There have been many times where my payments have gone through to the incorrect person due to discrepancies in phone numbers and Zelle has failed to confirm and double check that the numbers are being put in correctly. The process is so fast that anyone can make this mistake. Despite contacting Zelle and XXXX XXXX numerous times, they have failed to resolve any issue regarding a mistaken payment. There is a lack of accountability for how easily consumers may make mistakes and, additionally, providing no recovery for money mistakenly sent to the incorrect party.
Product: Student loan

I am have trouble with American Education Services ( AES ). On XX/XX/XXXX I received an email stating that my most recent payment is past due. However, the payment was due on Friday, XX/XX/XXXX. I processed the payment around XXXX for the full minimum balance on XX/XX/XXXX which was the due date of the payment. I reviewed the website both on XX/XX/XXXX and XX/XX/XXXX and my payment is listed on their website as scheduled on XX/XX/XXXX but not processed. I contacted their customer service office on XX/XX/XXXX around XXXX and was told that I was three days past due and the rep requested a second payment. When I stated that I made a payment was made on XX/XX/XXXX before XXXX XXXX. I was told that is correct we do have a payment, and we usually clear payments between XXXX and XXXX however, we did not clear yours because 1 % of our customers make payment without having funds in their account. Although you may have never done this we will not show your account as paid until we receive payment from you bank. I said if that is your internal process then you should not send me nor my co-signer late notices. ( Which they did on XX/XX/XXXX ). The rep stated well that 's what we are going to do because some of y'all do n't properly pay your bills. I told him that I would seek legal action. I believe it is improper for AES to list my account as past due when I made a payment on the due date and prior to the close of business time listed on their website. I made the payment directly on their website to ensure something like this would not happen. I believe they are providing misinformation not only to me but to my co-signer by sending her a notice that I am behind on a payment when I am not. Even if they are not sending this information to the credit bureau they are sending incorrect and misleading information to their loan holders and co-signers. Please tell me what I can do.
Product: Credit reporting or other personal consumer reports

DEAR SIR/MADAM, I, XXXX  ] , LIVING SOUL AND EXECUTRIX FOR THE ESTATE OF [ XXXX XXXX XXXX XXXX AM WRITING TO DISPUTE SEVERAL ITEMS ON MY CREDIT REPORT, WHICH I BELIEVE CONTAIN INACCURATE INFORMATION, AND VIOLATIONS OF FEDERAL TRUST LAWS. THESE INACCURACIES ARE CAUSING SIGNIFICANT HARM TO MY FINANCIAL STANDING AND REPUTATION. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO REQUEST THAT THESE INACCURACIES BE CORRECTED PROMPTLY. 
THE ESTATE IN QUESTION WITH ASSOCIATED SOCIAL SECURITY NUMBER IS : [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ] THE ACCOUNTS IN QUESTION ARE : I DISPUTE THE ACCURACY OF ALL ACCOUNTS ON RECORD WITH NEGATIVE, DEFAMATORY OR INACCURATE INFORMATION BECAUSE OF THE FOLLOWING INFORMATION : 1. IT IS THE DUTY OF CREDIT AGENCIES TO ENSURE THAT ONLY ACCURATE INFORMATION IS LISTED ON THE CREDIT REPORTS. IT WAS BROUGHT TO MY ATTENTION BY AN EMPLOYED SUPERVISOR AT ( TRANSUNION ) THAT THEY DO NOT FOLLOW PROPER FCRA AND DEBT COLLECTION PRACTICES FOR PROPER VALIDATION OF ACCOUNTS. THEY ARE MERELY " PAID TO COMPILE AND PLACE ITEMS ON THE CREDIT REPORT. THE PRICES FOR PLACING ACCOUNTS ON THE CREDIT REPORTS VARY AS CRA 'S CREDIT REPORTING AGREEMENTS ARE FINANCIALLY INCENTIVIZED TO REPORT AT HIGH VOLUMES. THIS IS A DIRECT VIOLATION AND CAUSES BLATANT DISCRIMINATION. I AM DEMANDING A COPY OF THE PRICING INFORMATION STATED WITHIN THE CREDIT REPORTING AGENCY AGREEMENT, SETTLEMENT AGREEMENT BETWEEN SAME CALL THAT THE CREDIT REPORT HAS BEEN SOLD WITHOUT MY KNOWLEDGE TO SEVERAL OTHER INSTITUTIONS. ADDITIONALLY, DUE TO THIS NEWFOUND EVIDENCE I ASSERT MY RIGHTS AS THE SURETY OF THESE INDIVIDUAL ACCOUNTS, ANY DEPOSITS, REVENUE, INTERESTS, AS WELL AS ALL OTHER DIVIDENDS EARNED THAT HAVE DERIVED OR WILL DERIVE FROM ITS CREATION. ALL RIGHTS OF THE CREDITOR SHOULD BE ASSIGNED TO THE APPROPRIATE PARTY. 


THE ACCOUNT HAS BEEN VIOLATED AND NOT FOLLOWED FRCA GUIDELINES OR XXXX XXXX COMPLIANCE. 

Last Verified : XX/XX/XXXX = FCRA VIOLATION Date of Last Activity : XXXX FCRA VIOLATION Date Reported : XXXX FCRA VIOLATION Date Opened : XX/XX/XXXX Closed Date : XXXX FCRA VIOLATION Dispute Status : Not Disputed = FCRA VIOLATION This account was sold XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite my previous request to remove these fraudulent items, I regret to inform you that they still remain unresolved. As a result, I am reaching out once again to request your urgent assistance in rectifying this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$380.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, Trans Union and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX  On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XXXX  and Trans Union into its monthly reporting on payments and overall account status. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY CREDIT CARD ACCOUNT IS STILL SHOWING UP ON MY XXXX SCORE AS UNPAID CELTIC BANK/CONTFINCO XXXX XXXXXXXX I HAD SEND THIS XXXX XXXX XXXX.XXXX  I PAID XXXX XXXX OFF IN FULL FOR THIS ACCCOUNT AND THE PAYMENT FOR XXXX XXXX IS SHOWNING THAT THIS WAS PAID BUT FOR THE ACCOUNT IT MARK UNPAID IT IS ON MY CREDIT REPORT 2 TIMES ONE SAY PAID AND THE OTHER SAY UNPAID.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : State Employees Cred Un Address : XXXX XXXX XXXX XXXX, NC XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX Dear State Employees Cred XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Student loan

I am trying to set up a repayment plan based upon my discretionary income and the amount is still much, much too large. I am being asked to pay {$1400.00} per month. This would be in addition to my monthly mortgage of {$2200.00} per month. Student loan repayments of this amount are unsustainable. I can pay about {$450.00} to {$500.00} per month, that 's it. I can not seem to get speak with a human being to negotiate a payment that is reasonable for my family budget. Can you help me with this? Everything in electronic via a website link or e-mail. No human being with decision making authority are available to speak to me about this. Please help. 

My phone number is XXXX, Thank you.
Product: Checking or savings account

Representative, I am writing to formally file a complaint against TD BANK regarding an issue that has significantly impacted my financial situation. Despite my repeated attempts to resolve the matter directly with the bank, I have been unable to reach a satisfactory resolution. 

The primary issue involves an unauthorized transactions FOR {$5000.00}. Specifically, on [ XXXX XXXX, I was notified by the bank of a transaction attempting to take {$4800.00} from my account I denied the transaction a rep called me and told me she shutdown my card and to go get a new one, she explained to me she was able to safely deny the transaction and the money was safe. Two days later the same transaction occurs successfully this time for {$5200.00} I noticed contacted the bank immediately I literally now have no money and no family or support to help me with a XXXX XXXX XXXX. This was all the money I had in my account, I went a weekend without any money. I cant go to work, I cant pay my babysitter by food for my child Im living a nightmare right now, the bank keeps telling me its under investigation and I have to wait 10 days for a provisional credit I can not wait any longer I sent a letter from the merchant explaining they charged me accidentally and they apologize. 

I have attempted to resolve this matter by contacting the bank, getting a new debit card, sending in information via fax, calling numerous times for a refund, and Im still without money because of this fraud charges on my account As a result, I have experienced financial and personal impact, such as overdraft fees, anxiety, stress, professional and personal inconvenience. 

I am requesting that the CFPB investigate this matter and ensure that TD bank takes appropriate action to resolve my complaint. Specifically, I am seeking refund of fees, correction of errors, better transparency. 

I have attached supporting documents, such as transaction records, emails, letters, or statements to provide further evidence of my claims. 

Thank you for your time and assistance in addressing this matter. Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The dates of the fraudulent charges happened are XX/XX/XXXX and XX/XX/2021. The amounts are {$1300.00} and {$1200.00} respectively. I filed claims to XXXX and Bank of America and they did not take any action and have been pushing the responsibilities towards each other. Bank of America has closed my case and XXXX has told me to deal with Bank of America myself. I have nowhere to turn to in order to solve this fraudulent charges
Product: Debt collection

I had outstanding charges from XXXX for an unreturned cable box. That account is now in collections and shows on my credit report although I returned the cable box. I am requesting that the items from XXXX be removed from my credit report as they are not valid.
Product: Credit card or prepaid card

I noticed that there where transaction that i did not authorized. I called Bluebird immediately the customer service said bluebird can not do anything because the transaction is still pending. the customer service advice that i need to call bluebird once the transaction is posted. after 2 days i called bluebird customer service, again i compliant about the fraudulent transaction. Bluebird email me a form to complete. i fill out the form on and upload the form on their website. on the form there was a not that it will take 45 days to investigate. after 8 days i got an email notifying me that my claim was denied because per their investigation it was not fraudulent. And on that email it said that if i need a copy of bluebird investigation i need to write to them. I called multiple time to bluebird and i sent out XXXX mail to them up to now i have not receive any response to them. 
Everytime i called the customer service they said that they can not do anything. 
Please help me.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to this Collection Agency in response to a letter that was sent to me attempting to collect {$820.00} debt. My letter specifically asked that Convergent show me how they calculated what they say I owed and I requested copies of any paperwork that shows I agreed to pay what they say I owed. Convergent 's response was a letter stating that the debt was verified and they sent me a copy of a XXXX bill that that looks as if it was generated by someone inside the office of the collection agency. I specifically asked for validation. So on XX/XX/2020 I sent another certified letter after I talked to XXXX and they had no record of the account number this collection agency has manufactured. Again, I requested documentation showing what agreement I had with Convergent to pay any money. I also believe the statue of limitations has expired. Convergent replied on XX/XX/2020 with another letter stating this debt is verified along with a duplicate copy of a bill that looks like they generated it in their office. Again, there was NO signed contract attached binding me to Convergent to pay them any money. This collection account has now hit my credit report and is damaging my credit. I am insisting that this collection agency be removed from my credit report immediately.
Product: Mortgage

My existing mortgage with Amerisave was refinanced. The closing occurred on XX/XX/2021. Prior to closing I requested Amerisave provide the total amount owned back to me through my escrow account, overpayments, etc. ; the date I would receive the funds ; and the method of the transaction. Amerisave 's VP Customer Services ' response was he had no access to this information and to reach out to their 3rd party XXXX XXXX provider, XXXX. XXXX 's response was they could not provide the amount, said XXXX weeks to receive the funds, and the funds would be sent by snail mail. Followed up with the VP and recently XXXX of Customer Services at Amerisave and requested the amount owed, expediting the timeframe to one week, and overnight delivery. Since XX/XX/XXXX, I have given up on expediting and simply asked Amerisave provide three things : The amount owed to me A date for receipt of funds to be received The Method of delivery It's XX/XX/XXXX and Amerisave has failed to provide answers to these questions. Their consistent response is they are working to get an answer from XXXX. 
Failure to provide this information is unacceptable and while some financial institutions made and continue to make concessions to accommodate the financial strains for their clients during the pandemic, Amerisave has gone out of their way to be evasive on the most basis level of service.