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

I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. 

As you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX  days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. 

Despite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). 

Provide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. 

Correct my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. 

Ensure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. 

This issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. 

Please acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.
Product: Checking or savings account

On XXXX XXXX, XXXX I received a call from one of my banks asking if I was currently in California because someone with driver license just like mine was trying to withdraw money from my checking account. I was not in CA, so the bank stopped the transaction. After the call I immediately checked my other checking account with Bank of America and noticed that on XXXX XXXX and XXXX someone made 2 withdrawals from my checking account for a total amount {$8900.00}. I immediately called BoA and told them they were not my transactions and they initiated a dispute/claim # XXXX. I put an extra security monitoring on all of my accounts. Then I filed a formal identity theft report at FTC XXXX # XXXX XXXX, closed all of my existing checking and saving accounts, as well as credit cards. I also requested an extended 7-years credit monitoring by all three-credit agencies as a victim of identity theft. I requested a new driver license to be re-issued so it now has a new issue date and I have put a low enforcement alert on my driver license so no one can use now in an unauthorized manner. However, I have never received any correspondence from BoA that my claim is being disputed. After more than 68 days now XXXX claim was submitted on XXXX XXXX, XXXX and today is XXXX XXXX, XXXX XXXX, I have not received any resolution of the claim, not even any correspondence of a status of the claim. I have repeatedly called Fraud Department at BoA inquiring about a progress of the investigation of the claim and I was always informed that it is 'in progress ' and still unresolved but they would not allow me to speak to an investigator. I called them repeatedly and they always told me an investigator is going to call me within an hour but it never happened. I sent two formal letters on XXXX inquiring about the status of my claim to BoA headquarters in XXXX, FL as well as my local BoA branch in XXXX, IL, but I never received any response. I included my identity theft report and notice to furnishers in the letters informing BoA that they break the federal low ( claim resolution needs to be delivered within 30 days ). I never received any written confirmation from BoA about the unauthorized charges, I never received any response to my letters that I am not responsible for charges on this account. I have been a valid customer of BoA since XXXX and I have never had any problems/issues of financial nature with the bank. Other banks were able to protect my funds because they were able to recognize an attempt of identity theft. BoA has an extremely poor protection against an identity theft, yet they let their valid customers wait for months to have their stolen funds returned. This is not only scandalous, this is against the federal low.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I sent a letter to Transunion requesting that my personal information ( addresses, employers, phone numbers, social security number, and date of birth ) be updated or deleted on my consumer report. I provided them with what should be updated/deleted and exactly how the section should appear with the correct information provided. The new information was added but under the wrong category ( previous ) while old information remains listed under the wrong category as well ( current ). On XX/XX/XXXX I submitted another letter reiterating my request to have my information corrected. To this day, no action has been taken by Transunion and my information remains incorrect.
Product: Credit reporting or other personal consumer reports

For a couple months now I've been trying to deal with Experian on fixing the error on one of my accounts. I've proved with files and confirmation numbers that I paid XXXX, XXXX XXXX payments on time for armed forces bank. They still haven't fixed the error,
Product: Credit reporting or other personal consumer reports

I have been dealing with a fraudulent account appearing on my credit report, which is managed by Equifax. This account, wrongly attributed to me, is believed to be the result of identity theft. Despite my diligent efforts to resolve this issue directly with Equifax through formal disputes, I have yet to receive adequate or any response, leading me to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ). 

My first dispute letter was sent to Equifax on XX/XX/2024, where I detailed the fraudulent nature of the account linked to XXXX ( XXXX XXXX  XXXX XXXX XXXX ). Alongside the dispute, I provided Equifax with a copy of the FTC Identity Theft Report to corroborate my claim of identity theft and formally requested the immediate removal of the fraudulent account from my credit report. I also asked Equifax for any documents related to the account, especially those bearing signatures, to further demonstrate my non-involvement in its creation. 

Following no acknowledgment or response from Equifax to my initial dispute, I dispatched a second letter on XX/XX/2024. This communication not only reiterated my demand for the fraudulent account 's removal and the supply of related documents but also sought an explanation regarding the method of verification Equifax purportedly used to investigate my claim, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Both letters were sent via certified mail, ensuring Equifax 's receipt of my disputes and requests. However, the absence of any form of communication from XXXX it acknowledgment of my dispute, provision of requested documents, or explanation of their verification processstands in direct violation of the FCRA stipulations, which mandate a reasonable reinvestigation of disputed information within 30 days. 

This ongoing lack of response from Equifax compels me to request assistance from the CFPB. My objective is clear : to ensure the fraudulent account is removed from my credit report since Equifax has not complied with the legal timeframe for response post-dispute. The failure to address and resolve this issue not only impacts my credit score unjustly but also disregards my rights as a consumer to have inaccuracies on my credit report corrected in a timely and transparent manner. 

I am seeking the CFPB 's support to enforce my rights under the FCRA, ensuring that Equifax conducts a thorough investigation into my dispute, removes the fraudulent account as required, and provides a detailed account of the investigative methods used, all of which should have been communicated to me following my initial dispute and subsequent follow-up.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 XXXXXXXX
Product: Credit card or prepaid card

This is a new card, and I have learned that this is a predatory lender taking advantage of people. 
For four months now, the company has tacked on a credit protection fee for {$3.00} when I never requested it. The first month that I noticed it, I asked that it be stopped. It was not. 
This company also generates insane late fees of {$40.00} + when the payment was NOT technically late! My payment was made on the same day it was due, however they did not process the payment until after XXXX XXXX, considered it late and then doubled my payment for the next month! Then after doubling the payment since the full amount was not paid, they added yet another late fee on top of that! I am not the only person upset about this. There are several reviews stating how awful this company is. 
The overseas customer service reps are not helpful, are rude, and do not care.
Product: Mortgage

My yearly taxes were due in XXXX of XXXX in the amount of {$1300.00}. The company states they paid {$440.00} on XX/XX/XXXX which was late cause they are due on the first but the Town is stating that they have not received this payment and I still owe full payment. I asked for the receipt of the {$440.00} to show the town but the company will not provide that to me. I get the run around, as of now I have a lien on my property all kinds of money in my escrow and my taxes aren't getting paid. When I look ahead to XXXX of XXXX the same scenario is going to happen cause they only seem to have XXXX going out for my taxes in my escrow analysis even after talking to them about it. I also just received a letter about my house being foreclosed on by the town on XX/XX/XXXX 2024
Product: Credit card or prepaid card

I have a Barclays XXXX XXXX card and have three unresolved issues.

1. My purchases at XXXX should be generating 4x points for restaurants however some transactions are only generating 2x rewards for online purchases whereas some are posting 4x points correctly. Customer service claims this is a merchant problem however it does not explain how the same exact merchant and transaction type is posting two different tiers of rewards.

2. I qualify for the $ XXXX/year streaming service reward for meeting a spending threshold. This reward is not being given to me - even though I charge several streaming services to this account, none of them are being credited back and the {$50.00} credit remains unused.

3. The transaction for sling should post 2x rewards for being an online streaming service. In fact, the marketing material for this card specifically lists sling as one of the qualifying streaming services. However, customer service is incorrectly claiming that XXXX is a cable tv service and doesn't qualify for 2x rewards.
Product: Bank account or service

On or about XXXX XXXX, 2016 a Complaint was filed against BB & T with Case # XXXX. 
As of today my requests were either delayed, denied and or flat our ignored. There is still a total of XXXX deposits that are " MISSING '' from the account in question. The Deposits total an amount of {$2100.00} and was given to the bank or about XXXX XXXX. As of today the money is still not available and not showing in account, even though Banking Institution have the funds. This banks continues to inflate and or " COOK '' the books. Where is the stolen and or Lost funds?
Product: Debt collection

THIS IS NOT A DUPLICATE REQUEST. Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm responded back stating that they have no record of an inquiry and sent mail asking for more documentation. I find hard to believe they are asking for some that I would have and this is the reason for my compliant. I will attach the inquiry that remains on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( now doing business as XXXX XXXX ) is incorrectly reporting my mortgage payments as late in XXXX. With the 3 major credit bureaus, it is reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX, and as much as 180 days late. XXXX XXXX  modified the mortgage in XX/XX/XXXX and I made all mortgage payments to XXXX, on-time, in XX/XX/XXXX and XX/XX/XXXX ( see the attached PDF, including bank statements, for documentation ). I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, telling me that the servicing of the mortgage was transferred to it and to make all payments after XX/XX/XXXX to XXXX XXXX XXXX XXXX, so that is the company that I paid in XX/XX/XXXX and XX/XX/XXXX. 

XXXX sent email and letters to me and called me in XXXX and XX/XX/XXXX in attempts to collect mortgage payments. I called XXXX several times and told the representatives that I made my payments to XXXX. I later learned that XXXX messed up the loan servicing transfer process and did not actually transfer the servicing of the mortgage until after I made the XX/XX/XXXX mortgage payment to XXXX. However, XXXX neither returned my payments nor notified me that the loan transfer process had not been completed. 

I called XXXX on XX/XX/XXXX and sent email on XX/XX/XXXX, in my attempts to get the company to correctly report my payments to the credit bureaus. On XX/XX/XXXX, XXXX sent a letter to me ( copy attached ), which stated that it found nothing wrong with how my mortgage payments were reported to the credit bureaus. I called XXXX on XX/XX/XXXX, and it said the same thing and refused to correct the problem. 

I am asking for your help in getting XXXX XXXX to make corrections, and report me as paying on-time for January 2017-April 2017, with no late payments.
Product: Debt collection

A certified letter was mailed to AmeriCollect which was dated XX/XX/2021. The letter was a certified letter that was received by AmeriCollect and the request was a FORMAL REQUEST FOR VALIDATION OF THIS ALLEGED DEBT ( see attached copy of letter ).

AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports that were paid by the State of Florida victim 's advocacy. I was a victim of a wrong home invasion and shooting and all medical bills are paid under this program. ( see attached proof ) AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports. One in the amount of $ XXXX and the other for {$150.00} that they refuse to removed. 

AmeriCollect failed to provide proof of the debt as requested in Certified Mail : XXXX ( see attached proof of receipt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I want FIRST NATIONAL BANK OF OMAHA to remove all late payments from my credit report. 

I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. 

I ask that FIRST NATIONAL BANK OF OMAHA remove all information from my credit report, I was never given the opportunity by FNBO to opt of credit reporting.
Product: Credit card or prepaid card

I was directed to call My synchrony bank phone number XXXX from my Venmo card services and once I call a number calls me at the same time this was at XXXX pacific time because my transfer of XXXX didnt show in my account like it said it would in the app
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Introduction : The bank ( America First Credit Union ) block my funds due to I owed them money from a credit card I do have with them which I see no fair. Since last year XXXX XX/XX/XXXX XXXX my husband become unemployed due to a COVID-19 and that cause a big hardship to ours personal assets. Between that time I am the only work at home and I am not able to keep or make the monthly payments to America First Credit Union. Also I remember in more that 2 time call them and ask for payments extension. I have to make some hard or unwanted decisions to keeping stand financially for my family, so I have to apply for one of these programs ( debt relief ) and ask for a consultation. I end to decide for this option and make contract with XXXX XXXX XXXX, they now negotiating with all the accounts under this program and America First Credit Union is one under this program. 
Dispute : Today ( XX/XX/XXXX ) I find out that after IRS deposit the payment of the Child Credit of {$750.00}, the bank retained the whole amount and apply to the credit card debt I have with them. I feel unfair since I am on the middle of negotiation with them and also they should have notes from me on the past about the hard time we across financially, plus the new law about COVID relief between creditors and consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to XXXX & Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items XXXX obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from XXXX dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that XXXX and Experian said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.
Product: Debt collection

I was informed that AD Astra recovery service is appearing on my credit apparently it has been reported to the credit bureaus since XXXX of XXXX. I am currently in the XXXX and never received notice of the debt. I am currently stationed away from home and left my mother in charge of my finances. She is the one who informed me of this negative report on my credit report. My mom has informed them that I am currently unavailable due to my deployment. She also informed them that I fall under the XXXX. She was told there is nothing that they can do for me.
Product: Debt collection

I sent to RMP Services LLC, a debt validation letter on XX/XX/2021, via USPS and email, and requested to be sent, in writing, about the validation of this debt. I have received no information regarding the validation or the correctness of this account. I hearby am requesting an inquiry into this account in hopes of it being removed from my credit report, due to them not responding to the validation letter. I will upload a sent copy of the validation letter that was sent out to XXXX XXXX.
Product: Vehicle loan or lease

A car loan was opened with Credit Acceptance on or about XX/XX/2013 without my authorization. I have sense sent CA a certified letter with my police report and a letter advising them I am victim of identity fraud and requested they block their information my credit report. In turn they referred me to the law office XXXX, XXXX XXXX XXXX - GA XXXX XXXX. XXXX XXXX XXXX, GA XXXX, to complete a fraud package which included my signature 5 times, my identification and the police report. As of today, I have spoken to several people in the legal department at Credit Acceptance, all of which are advising me, they will not block their companies information until they investigate and that process takes up to 60-90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son signed for a private student loan with XXXX XXXX XXXX in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and XXXX XXXX XXXX reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called XXXX XXXX XXXX to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.