23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX Type of account : credit card Date open : XX/XX/year> Account charged off. {$430.00} breaking the Tax regulations FDCPA and the FDCRA. I have complied with all the information you requested. 
. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
.Except as provided in paragraph ( XXXX ), the term consumer report does not include The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report. 
also is furnishing inaccurate and incorrect information to the consumer reporting agencies ACCURACY AND FAIRNESS OF CREDIT REPORTING Your company 15 usc 1681 congressional finding and statement of purpose 15 usc 1681a ( 2 ) definition rules of construction 2 ) EXCLUSIONS ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
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 consumer reporting agency can not furnish a account with out my writing instruction 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for Any purpose
Product: Credit card or prepaid card

I received a letter from American Express stating that a payment had been returned on XX/XX/XXXX, and I had several easy and free ways to pay. I then received a second letter on XX/XX/XXXX, stating that AMEX canceled both of my accounts just 48 hours later. 

I was of course appalled by the fact that I had not even received the aforementioned notice of the friendly letter when American Express closed my account just 48 hours later since neither letter reached my home as both letters were literally in the mail at the very same time. I of course called American Express to resolve the matter and no one could tell me what happened. 

Then on XX/XX/XXXX, I received a letter stating that my request to be reinstated, based on those calls was denied. 

Since all of this happened over the holiday weekend my bank notified me outside of AMEX and I immediately re sent the payment which was paid before either Amex letter was received at my home. 

From what I could gather I had made a large deposit and the bank had put a hold on part of it and it was just a coincidence that the American Express payment was held up on the XXXX and others went through. 

My purpose for filing this complaint is to make sure this never happens to anyone else. 

I believe that I should have never been canceled. I believe that the added interest that I had to pay was not due to any fault of my own due to what I belie to be the wrongful termination by American Express. 

I have sent two letters. One on XX/XX/XXXX and a second on XX/XX/XXXX. The second letter was sent certified as when I followed up on the first letter the representative said there was no letter in their file. 

As of this complaint I have not been advised by Amex as to why there was only 48 hours between the returned payment letter and the termination letter. As of this complaint I have not been notified how I could have corrected the payment before either letter was received and the account was still terminated on the XXXX of XXXX. 

At the time of this issue I had been an American Express customer since XXXX and am very disappointed as to how this account was handled. 

Since the termination I have been compliant in paying off the entire balance of all my AMEX accounts. 

Most insulting is that I currently receive American Express Credit Card offers all the time due to my outstanding credit rating. 

In my opinion Amex violated their offer to cure the payment issue based on only providing me with 48 hours between letters to cure vs terminate that no reasonable creditor would expect to arrive at my home. Again, I called well before that and AMEX again failed to cure the issue. 

Before making this complaint I have sent two letters requesting re instatement with no reply. 


Thank you in advance for your time and consideration in this matter.
Product: Checking or savings account

I have been a customer of Bank of America for almost 20 years. Today they closed all my business bank accounts checking and savings, personal bank accounts checking and savings, and all credit cards. I was not sent any warning or notification. I found out when I tried to use my card and then called into the bank. They only said the accounts are closed. I went into the bank in person and same result. They only said the accounts are closed, no other information about why or what the shut down procedure is. What about our HELOC. This is outrageous treatment of a law abiding customer.
Product: Credit card

On XX/XX/XXXX I attempted to pay my bill by debit card, it failed with an error that my account doesn't accept payment from debit card, so I attempted another time, attempted a pay through direct debit, cancelled the direct debit, received an email it was cancelled, figured out my card has the wrong expiration date, that went through no problem, now I'm being charged {$30.00} for the ALREADY cancelled direct debit that even though it was cancelled they still took out, sent back to me, and charged me for it, I attempted to talk to a guy named XXXX through their customer service and he talked to me like I was stupid and did everything aside from close chat to avoid answering why I was being charged for a cancelled payment
Product: Credit reporting or other personal consumer reports

When making attempting to complete the final {$34.00} of my monthly minimum payment for my XXXX  XXXX XXXX credit card in XXXX of 2022, the payment had been returned due to insufficient funds in the account attempted, which then lead to my credit card payment becoming 30 days late as a result. This was during a period financially where I was still experiencing hardship* from the COVID-19 pandemic, and continued difficulty obtaining new employment as a result. They then closed* my credit card immediately. I had maintained this credit card account for 10 years up to this point with 0 late payments, and for my account to be closed immediately after 1 late payment is disgusting. The reason being, is I paid not only the amount remaining for the minimum payment off within days of this occurring, I then paid off the entire $ XXXX balance off within the next week or so. My largest issue is that upon the return of the payment due to insufficient funds, I was NOT NOTIFIED of the returned payment. There was NO email communication, NO phone call, NO automated text, and NO notice by mail*. The ONLY communication I had received was that the credit card had been closed, after the fact, via mail. I submitted a complaint through the XXXX, which XXXX  XXXX XXXX did reach out to me to inform me of the reasoning behind the actions, which I still do not agree with. Had I been notified AT ALL of the returned payment, I could have made accommodations quickly to avoid the payment becoming 30 days late, not to mention them taking it upon themselves to CLOSE the credit card ENTIRELY, since both of these actions affect my credit file TREMENDOUSLY. There has to been some regulation or law requiring them to provide a warning of actions taken against me if certain actions aren't taken to remedy an issue with a credit card account when then repercussions are as large as closing a credit line ENTIRELY without* warning.
Product: Payday loan, title loan, or personal loan

I took out a {$450.00} loan. Funds received on XXXX. First payment due XX/XX/XXXX. Too soon. Requested a payment extension but denied. Submitted a Revocation of Voluntary ACH Debits on XX/XX/XXXX. They acknowledged but state agreement says must be within 10 days of due date. This is not fair and was not communicated, only provided in small print of agreement. They also wrote in email " your request will be honored before the following due date ''. XX/XX/XXXX is the following due date but then double speak by stating payment will still come out of my account. I have revoked Voluntary ACH Debits but they are not fully co.mitting to my revocation that is immediate. 

They have also violated my financial privacy by contacting my employer without my clear authorization. 

I prefer not to file this complaint but they are not being direct in my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that my credit report has been negatively affected due to a mistake by my mortgage company ( NewRez ). 

I paid a senseless late fee that I should have never been charged and my account is current, yet this company has failed to remove a negative dispute/flag from my credit report. 

As much as I want my {$75.00} late fee back, which was never warranted, all I really NEED is for this error to be corrected so that my credit score can be normalized. I have always had excellent credit until dealing with this company ( NewRez ). 

In over 10 years of owning homes I have never had a late payment. The NewRez processing department failed me and then put all the blame on me. ( All the proof needed is in my credit history and bank records. ) Getting somebody on the phone at NewRez is impossible and further displays their total disregard and lack of customer service. 

I have called and emailed NewRez for months now trying to get this resolved and to no avail -- I can not get anybody to respond to me regarding this matter. 

It feels extremely troubling that I am essentially a victim to the subpar service from NewRez. 

This matter has been ongoing for several months and it needs to be resolved urgently. Unfortunately, I am unable to move forward with other financial matters until this is resolved. 

I sincerely hope that this message reaches someone who can help me. Thank you
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, false information consists of this account : Account name : XXXXXXXX XXXX XXXX  XXXX Amount : {$5000.00} Account number : XXXX Date opened : XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Today I found out that I had a small balance on my credit card when for the last two months twice a week my credit card company has notified me via text that my current balance is {$0.00}. Knowing I had not used the card in a while, and that the text messages from them backed that up, I was surprised to find out that they had reported me to the credit bureau for being delinquent on a payment. Immiditly I contacted them in regards to this issue. They explained to me that the charge was for their annual fee but they apologized that my notifications showed {$0.00} Since I did not pay the fee ( I did not know they had charged it ) they charged me with a late fee and interest rate. ( We always pay our account before the interest rate ) During my chat with the customer care agent she stated they understood it was not my fault but that they could not refund the fees, I let her know that at this point the fees were not my concerned. I just want this negative hit off my credit. I told them I would contact the AG and the FCRA and they disconnected the chat ( I have it all saved if needed ).
Product: Debt collection

We received a letter from Complete Payment Recovery Services , Inc. out of Alabama, regarding a debt from XXXX we DO not even KNOW who or what this is. Letter sent out XXXX saying it was a payment to a company we do not even use or ever heard of. Also, an amount we have never paid. We wanted to pass this on if this company is doing this to businesses and are they are not paying attention, it could be a issue. I also do not even use those check numbers.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate UPDATE of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/2015 I received a letter saying my escrow was short and needed to pay it so that my monthly payment would not increase at a large amount.  The payment had to be received by XX/XX/2015  On XX/XX/2015 I sent the payment requested with the coupon they provided. On XXXX I received the coupon and check marked no such address, undeliverable.  Called they immediately to explain what happened.  Was informed the wrong address had been put on the coupons by them in error.  They allowed me to pay the amount over the phone, so it would be received by the XXXX  On XXXX, I had sent a monthly payment for XX/XX/XXXX and paid the larger amount because I had not been sent a payment slip with the corrected amount on it.
  During my phone call I was told the escrow payment would be credited to my escrow account and the extra money I had put on my XX/XX/XXXX payment would be put on my principle.  I then received a letter stating I had til XX/XX/XXXX to pay the escrow amount before it would increase due to there error.  
On XX/XX/XXXX I still hadn't heard from them or received a new coupon for my XX/XX/XXXX payment so I called them again.  I was informed my escrow payment had been applied to my XX/XX/XXXX payment with the extra monies going onto my principle.  After talking with them I thought I had gotten everything straightened out as they told be the XX/XX/XXXX payment would be do as the escrow money was put into my escrow account(which now had a overage).  According to the letter sent XX/XX/XXXX my monthly payment would be XX/XX/XXXX  if the deficiency was paid, which I had done.  I paid my payment over the phone, so they would have it immediately.  I was told everything would be straightened out again.  
  On XX/XX/XXXX I received a call threatening to make a hit on my credit score because my XX/XX/XXXX payment was not paid in full.  I explained to the worker she needed to read thru my account.  She said she would get back to me.  On XX/XX/XXXX I hadn't heard anything so I called the mortgage company to make sure everything was corrected.  It wasn't.  The worker after being on hold forever assured me it was taken care of and I would not receive anymore calls, hits on my credit score or penalties.  I also would receive my XX/XX/XXXX payment coupon with the correct amount on it.  She assured me I could send in the correct amount on my XX/XX/XXXX payment(sent XX/XX/XXXX).  I asked to talk to a supervisor who also assured me everything would be ok.  On XX/XX/XXXX I received another call telling me I had not paid my XX/XX/XXXX payment and they would be taking action against me.  I called back to them with the information I had from the previous day.  I was told the calls would continue until I paid my bill or the situation was corrected.  They cannot stop the calls until then.  I would have to send them a letter requesting all calls be stopped, from this point forth. They would not be able to call me for any reason.  This would not stop any action they would be taking.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Letter to remove inaccurate credit information : To Whom It May Concern, After reviewing my credit report, I noticed that these unauthorized inquiries have been made : XXXX XXXX XXXX XXXX  XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 .

If you have no proof immediately of any or one, I would like it removed immediately.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Student loan

My Bank XXXX mistakenly send XXXX to XXXX XXXX , on XXXX.XXXX no longer services my student loans and should immediately refund the amount. I have written to XXXX, I have received no response. Their toll free phone number no longer works.
Product: Credit reporting or other personal consumer reports

Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA. 
I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. 
Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA. 
FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics.

Please ensure that this matter is handled swiftly and in compliance with federal regulations. 
If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matte
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts XXXX XXXX XXXX  balance {$300.00}, XXXX XXXX balance {$19000.00}, XXXX XXXX XXXX {$200.00}, and XXXX XXXX  {$720.00} XXXX
Product: Mortgage

Since origination my loan has been sold to multiple mortgage servicing companies. I don't like the fact I have no control over this but I understand that's just the way it is. I've had a few issues here and there with some servicers but nothing like my experience with Lakeview Loan Servicing.

From the very beginning they have made errors and mistakes processing simple payments. I have had to contact them on a least 5 different occasions generally taking several calls for each issue. They like to give you the run around. " Email this here '', " call this number '', " We will call you back with a resolution '', " We will get it fixed '' then don't. 

The biggest problem has been my escrow account. They have messed that up 3 times now. I pay a shortage, on-time, they apply it to my principal. They fix the misapplication but don't re-adjust the payment correctly. They also don't re-figure the additional interest I was charged because of their mistake. This time it has been a 6 month process with multiple calls. Also being lied to by a very rude and unprofessional manager named XXXX. The issue is still not resolved. 

I've just had it. All I do is make my payments on time every month and respond accordingly and on time when something like a shortage comes up. It's so frustrating and I don't trust them to do anything right and feel like I constantly need to keep them in check or make sure they don't XXXX something up again. 0 % confidence in this servicer, zero!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX,  XXXX XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid off my debt balance. In XXXX there was interest put on to the account that was not communicated via email or mail. I paid it at the end of XXXX ( well within 30 days ).  Capital One has now charged me a late fee and has also put a mark on my credit score. 

I have tried contacting them regarding the charge, they did not offer any assistance or information regarding the late charge. I spoke with a representative and a XXXX, neither of them could even provide me with details of the charge. 
The representatives ID was XXXX and the managers ID was XXXX.