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

My account with those creditors 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 those account 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

TD Account # XXXX. This relates to a formal complaint XXXX and an answer is required as it follows a response from the bank which I am not happy about. The issue explained by the bank is that my ex-wife at time of the divorce years ago did not acknowledge the transfer of the deed from ( me and her ) to myself. I do not understand why the bank is aware that the deed was supposed to be transferred to me, this is a mystery. I clearly remember receiving paperwork from the county clerk testifying to the fact that the deed has been transferred to me. It is very late in the game to discover this. If the bank figured this out, how in the world this mistake was not discovered at the time of the incident ( my wife not acknowledging the transfer ). 

Who do I believe? the clerk? TD bank and who is supposed to tell me? How was I supposed to find this out? And, foremost who is responsible?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT XXXX Account XXXX : XXXX
Product: Vehicle loan or lease

The car was paid off back in XXXX and I ask them can they remove it off my credit profile
Product: Mortgage

trustmark bank holds my note as a mortgage, for several months ive ask trust mark to explain why it is why every single month im stuck with a late fee, and no one that works for the bank does not want to explain why my im it with late fees, and my mortgage increases every month.
Product: Credit reporting or other personal consumer reports

An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus. 

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA. 

I have not received a follow up or deletion from my report.
Product: Consumer Loan

I needed to make a auto payment to santander consumer USA. I am forced to pay using XXXX XXXX who charges unfair fee 's just to make a one time payment via the web. The fees are way to high and i wounder if santander is not benefiting from these added fees in some way. It can not cost XXXX to make a payment using a debit card. someone is making money on this and seems to violate some FDCPA or other law. Please look into this consumers once again are getting fleeced by XXXX XXXX.
Product: Mortgage

I attempted to make an advance payment on my mortgage. When I have extra funds, I like to get ahead on my regular mortgage payments. I was already XXXX months ahead and Loan Depot refused to accept any more advance payments. When I called, they said they have a " new billing system '' that can only accept XXXX advance payments on a mortgage. 

This limitation is outrageous. Since when are consumers prevented from making payments at any time toward their financial obligations? Companies complain people are late on their payments and then when people want to pay to get ahead, they refuse to accept the funds. Frankly, it's a criminal manipulation of the consumer. 

And we are in a XXXX XXXX  with advanced AI system on the horizon. Loan Depot 's " system '' is incapable of accepting more than XXXX advance payments? If so they should file bankruptcy and find a new business to entertain themselves. And I NEVER want to hear Loan Depot or any other financial institution whine about how all their customers are in default.
Product: Credit card or prepaid card

I initiated a transfer to my external banking account on XX/XX/2020. I've called multiple times to see when my transfer will be processed but I keep getting the run around. I was told it will take up to 5 days to process. I called on the fifth day and they told me the days did not include the weekends. I called again two days later and was told that the transfer would process later that day. It is now two days later and my money is still " processing ''. They have been holding my money for 9 days now!!! Including weekends! I have rent to pay and children to care for, that is ALL of my money! I need it XXXX!
Product: Debt collection

I received a letter in the mail from XXXX XXXX XXXX XXXX around early XX/XX/XXXX stating that I owed debts to XXXX  and XXXX XXXX XXXX XXXX. I had visited this practice in early XXXX. However, shortly after the visits to this practice, I paid any money owed to them using my insurance provider and private payments via XXXX on XX/XX/XXXX. I have receipts for all transactions, and XXXX confirms these payments went through. 

I requested a verification of said debts. I also called and emailed the practice to determine how this could have possibly happened. The practice is now closed and my email and phone calls went unreturned. XXXX XXXX XXXX XXXX has simply mailed me a printed copy of the bill that I have already paid, and indicated that they will continue to pursue the debt. I am beginning medical leave from work right now. I do not appreciate the stress at all.
Product: Mortgage

On Monday XX/XX/year> I asked my loan XXXX XXXX XXXX if they can help in removing the junk fees listed on section A of my loan estimate, he said those are regular and not to worry. I was a loan XXXX myself for XXXX years so I found this conflicting with my experience. Thinking to myself that he would perhaps need XXXX approval to provide a concession to help remove those so I asked about providing a competing loan estimate which he quickly showed distaste for. Our XXXX XXXX act protects us from predatory lending officers incentivized by the commission of originated loans by letting us shop around. XX/XX/year> XXXX XXXX with the XXXX retail location of Loandepot gave me a loan estimate to compete with another lenders pricing I received that day. His offer was not better so I decided to proceed with the other lender, called and politely asked to withdraw my application and have my appraisal refunded. He then started yelling on the phone which conveniently was on an unrecorded line. Threatened me saying youre going to get it, karma is coming for you, then called my brother who is unaffiliated with my loan to talk about my credit, income, then lied about our closing date in hopes to scare me by having my brother reach out to convince me to stay with them. This is a breach of privacy and I dont think this loan XXXX along with his XXXX are ethical in the practice. The branch XXXX who very quickly ended our call to only provide an email saying they will withdraw my loan and refund my appraisal. I can only imagine what tactics are used in their predatory lending office to keep business flowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate EVERY piece of information '' on the accounts I have listed below. I stated 15 USC 1681 andAlso, I have attached tracking info XXXX 
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on, or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my account was verified nut how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXXXXXX XXXX  -Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX Acct # XXXX XXXX # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX
Product: Debt collection

Beginning XXXX I pulled my credit reports and found a collection I didn't know about. 
On XX/XX/XXXX, I sent a certified letter to GLA Collection Company asking for debt validation. No response was made to letter. 
On XX/XX/XXXX, I received a bill of {$260.00} from GLA which did not match credit reports listed {$220.00}. Amounts owed did not match. 
On XX/XX/XXXX I sent another debt validation letter to GLA. 
No XXXX to letter. 
On XX/XX/XXXX, I sent another debt validation letter to GLA. 
On XX/XX/XXXX, I received an itemized bill. 
On XX/XX/XXXX, I sent another debt validation letter as this collection could not be verified with XXXX or XXXX it was deleted. XXXX still reports the {$220.00} owed. Amounts do not match and the company does not validate the debt.
Product: Mortgage

My mortgage was sold to a mortgage servicing company in XXXX  of 2023. The company is " Newrez Mortgage LLC dba Shellpoint Mortgage Servicing in Arkansas and Texas '' or so it states on their statement. I have consistently had problems making my payment to them to the point that you can't get help until the due date is past and then they assess a late fee and won't take the payment without the fee. When you call them, expect a rude represetative half the time and the other half, they won't be able to help you unless all you are doing is making a payment WITH the late fee. As a customer, I prefer to add additional principle to my payment. However, about 90 % of the time, when I try to access my account online, it says it can not find my loan. However, as soon as the loan is past the grace period and now has a late fee applied, 100 % of the time it will magically be back online BUT won't accept my payment with additional principle payment unless I pay the late fee and then, it will only accept the late fee as the additional amount. As the consumer, I should be able to pay my mortgage without this much hassle. I should not have to call to make my payment with a representative. The automated payment system does not allow to make any amount other than the contracted payment amount. I have paid multiple late fees because they would not allow payment without it and I don't want my credit tainted. However, if you look at my statements, they reflect and report XXXX late fees. This company needs to be investigated. I have no confidence that my payments are beign applied correctly and am concerned that I will pay all these payments and when I pay it off, they will claim it is unpaid and I will not be able to get my security deed released. I am extremely concerned about this company and whether or not I should continue making payments at all. While they have customer service hours posted as XXXX - XXXX Monday through Friday and XXXX - XXXX on Saturday, they do NOT answer the phone always during those hours. I should not be in a situation where I feel the need to get my loan refiananced to get away from this company. However, I fear that is the only solution.
Product: Bank account or service

I came across promotional banner on Citibank website for opening a checking account and a {$400.00} bonus with a qualifying deposit. I decided to apply online using promo code XXXX provided at the start of the application process. Few days later, I reached out to Citibank customer service through online chat. The online agent confirmed my account was opened under the promotional code XXXX. He also confirmed the qualifying terms to receive the {$400.00} bonus : deposit a total of {$1500.00} within 30-calendar days and maintained the {$15000.00} minimum balance for 30-calendar days. Based on the promotional terms, I have met the required {$15000.00} balance within 16-days and have maintained at least {$15000.00} for 58-consecutive days. The {$400.00} bonus should have been deposited to my account by XX/XX/2017. I reached out to Citibank on XX/XX/2017, inquiring about the bonus. The online chat agent verified that I have met all qualifications for the {$400.00} bonus. But then she told me I failed to enroll in the promotion offer. I told her that she was mistaken as the promotional term states we simply need to open a checking account to participate in the offer. the only disqualifying criteria is for an existing Citibank account holders. She was not able to show me the verbiage in the offer, or proof to support her argument. At the end, she submitted my case and Citibank would respond within 5-7 days. Citibank has not gotten back to me and despite it their 90-days promise, I have yet to receive the bonus. This is the first financial service company I have ever had issues with, and I have been very lenient with the timeline. I 've completed their requirements, and I wanted them to honor their promise. Do what they 've promised ... .and do what they should 've done 44-days ago which is to deposit {$400.00} to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   dob   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX    XXXX   and Experian and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my   XXXX   account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a zero balance.
Product: Credit reporting or other personal consumer reports

The late payment reported on my credit report is incorrect. The payment was made on time, and I believe there has been an error in how the payment was processed or reported. Despite providing the credit bureaus with relevant documentation, the late payment continues to appear on my credit report. This inaccuracy is negatively impacting my credit score and financial standing. I am requesting that this error be corrected as soon as possible. Additionally, there is an unauthorized inquiry listed on my credit report from [ Company Name ], which I did not consent to. This inquiry was made without my knowledge or permission, violating the Fair Credit Reporting Act ( FCRA ). I have contacted the credit bureaus to dispute this inquiry, but they remain unresolved. XXXX XXXX XXXX : {$93.00}, XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordane with the Fair Credit Reporting act. The account on this list below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is in inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violated the consumer financial protection ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent and address on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirement under the electronic fund transfer act efta and regulations E these actions had caused significant inconvenience and financial losses and I seek appropriate for those violations
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On  accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days.  I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX