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

Dear XXXX, XXXX am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : aCCONTS NAME : XXXX Accounts number XXXX [ enter late payment date XXXX XXXX [ enter late payment date XX/XX/XXXX [ enter late payment date XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have XXXX  days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX Transunion or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely,
Product: Credit card or prepaid card

Ok I pay bank of America XXXX a month on auto pay so i never forget to pay it. its been XXXX a month I can't remember how long, but they raised the fee XXXX dollars a month. they said they sent me emails, I only received XXXX email and that said i had to pay XXXX because I haven't made a payment in 2 months making the email i opened 3 months. So, I called them up and spoke to a woman i think her name was XXXX. She was rude and told me when make the payment she will go over the acct, so I ask her for a supervisor which a guy named XXXX came on the phone. i ask him to help me and look at my acct I have never been late and if you would of called me i would of had no problem paying the extra XXXX a month. he would not help me and i have never seen a credit card company not wanting to get to the bottom of a problem. I was AL reading having problems with an old checking account that was never getting resolved. All I wanted was to know how I owed XXXX for 3 months when I was paying XXXX a month. and i wanted the later charges removed since auto pay paid it on time. I'm not receiving any help. CFPB sent my banking problem to XXXX and i was telling her about the bank of America credit card. how unprofessionally and nasty they were. she said she would look into it and get back to me. So, I still haven't heard back from her so i am filing my complaint. I received a letter in the mail today XX/XX/2023. It has my name and my husband 's name and address on it and bank of America at the top, the date, my last XXXX of my credit cards. no name who sent it, who it's from. I don't know if someone hacked my acct or my name, I will send this to you. i am taking it to a lawyer because I don't know who sent this. I'm scared bank of America gave out my info. On a letter it is supposed to have who its from and contact information. i don't know who sent this. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 3 STUDENT LOANS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME I HAVE REACHED OUT TO EQUIFAX BUT HAVE RECEIEVED NOTHING BACK FROM THEM I NEED THESE OFF MY CREDIT ASAP Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I sold and paid off my mortgage loan and have not ( after almost 90 days ) received the return on my unused escrow funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit my complaint to SYNCB/XXXX XXXX regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XXXX XXXX XXXX The associated FTC complaint report number for this issue is XXXX. I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.
Product: Credit card

I was contacted by telephone XXXX XXXX, 2014 to setup a home business with a website to get income from click referrals to the XXXX site. The next day they called and I charged {$10000.00} on my credit cards to them for the following services : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. The charge appeared on my credit cards from XXXX XXXX XXXX, XXXX. Which they said was their financial arm of their company. They then referred me to another company, XXXX XXXX, to get business credit. I had to pay XXXX {$2200.00} for the credit. Therefore XXXX did not provide the business credit the promised. On XXXX XXXX, XXXX I was contacted by them again saying there was a mistake in the charges and they would give me {$500.00} off if I helped them correct it. They wanted me to charge {$9500.00} to XXXX where it should be and tell my credit card company that XXXX XXXX XXXX did not provide any services did not provide any services so the charge would be reversed. I did this and they fought it with the credit card companies in order to get double payment. I was finally successful in getting the original charge reversed. XXXX XXXX XXXX XXXX has {$9500.00} of my money and I did not receive any services for the money. I have contacted credit card companies to remedy the dispute. They simply refuse to even allow me the opportunity to dispute. These companies drag you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. Please ensure that they open an investigation and remedy this situation. There should be an exception made for me as it is fraudulent in nature. I am already in connection with the Attorney General 's office, and they are assisting me on their end. Please help me advise the credit card company that for this purpose allow they should open the investigation.
Product: Credit reporting or other personal consumer reports

Equifax is violating my consumer rights per consumer laws 15USC 1666B and 15USC1681b, 15USC6802. I request deletion of these items.
Product: Credit card or prepaid card

Due to Covid-19. I was placed on bed rest. That related in me lost my job and forced me to fall behind on all my bills and all other payments. The following accounts below are effecting my Credit report.

Reported Late and Closed. Account number XXXX Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX
Product: Mortgage

I have just successfully completed Chapter XXXX to save my home. The case was discharged XXXX 2016 with all payments made and a signed workout agreement in place with the mortgage company. I even received a refund from the Trustee. I made a payment in full of the amount due for the monthly payment on XXXX XXXX, 2016. On a statement dated XXXX XXXX, 2016, Wells Fargo stated " Your loan has been referred to foreclosure. The amount to bring the account current may vary daily ; prior to sending funds, call us for a reinstatement or payoff quote .... '' This statement shows a payment for the full monthly amount due was received on XXXX XXXX, 2016. The Trustee paid the XXXX payment. The XXXX XXXX payment I made was for XXXX. 

I called Wells Fargo at XXXX the number listed on the statement. I spoke with XXXX in XXXX XXXX. She said she could not access the loan and would transfer me. I then spoke with XXXX in XXXX. He said that he did not see any foreclosure notice on my account and that my payments appeared to be current. 

I asked him to provide that information to me in writing. He declined. He said he had to get his supervisor to do that. I then spoke with his supervisor, XXXX XXXX who told me he could not provide any written documentation to me and that he would transfer me again. He assured me that the person he was transferring me to COULD provide the written documentation I requested. 

I then spoke with a rude, argumentative person XXXX XXXX who refused to tell me what city she was in because " it is n't relevant '' and who then proceeded to badger me for calling and having the audacity to ask for " written documentation. '' As I explained for the FOURTH time, I had documentation ( via the Federal Court ) that I had paid up to date and all I wanted was a written statement that my account was up to date and perhaps a note that the " Your loan has been referred to foreclosure ... '' was a mistake. She then sniped that she would have to investigate and would open a case ; that she would absolutely not send me anything in writing and completely refused to tell me when I might ( no guarantee that it would ever happen ) receive the simple, one sentence letter that I requested confirming that " As of today, XXXX XXXX, 2016, we show your account is current and we do not show your account being referred for foreclosure. '' That 's all I wanted. 

And after XXXX people and 45 minutes on the phone, all I got was a rude person who is " going to open a case. ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX has been harrassing my husband, brother in law, and my mother. They claim they need to get in touch with me, yet don't have my number, but say they have personal information on me. I have never been contacted by mail from them. My family has asked them numerous times to leave them alone. They call using different numbers and area codes. XXXX XXXX claims that Capital One is taking me to court over unpaid debt that was discharged in a bankruptcy in 2003. I have never been contacted by Capital One themselves. I also have a current Capital One card that I use and payoff every month. I have never received a notice stating any amount unpaid. XXXX XXXX is rude, hangs up on myself and family members. They refuse to disclose their address to me. I have spoken with XXXX XXXX, XXXX, XXXX, and XXXX. The last three names refuse to give me their last name when I talk to them. I am tired of them harrassing my family and myself.
Product: Mortgage

Statebridge Company has and continues to not send my monthly mortgage statement on time, as of today, XX/XX/19, no statement has been received by me even though the payment is due XX/XX/19. This has been a common practice of Statebridge Company in order to assess late fees for payments not received on time.
Product: Debt collection

XX/XX/2020 - I received a message from Prime Recovery stating that I had a complaint being filed / pending against by their client. The debt collector specifically intended the message to seem like a " lawsuit '' was being filed and he had been hired by an attorney on behalf of this payday loan client. 

The message also stated that they wanted to allow me an opportunity to, '' provide a statement in my defense '' or that I should have my personal attorney call them back. 

The same message was left on 2 family member voicemails within the same hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I tried to apply for a home loan because myself and my kids were displaced because of Covid19.Upon pulling my credit report, I was denied because I was informed of information in my report that was either misreported or didn't belong to me. I have been writing XXXX over and over to let them know that they have been reporting inaccurate information on my credit profile. Every time I have submitted a dispute, XXXX has either not responded to my letter or they have sent me a " cookie cut '' letter with basic information saying that my dispute has been received. The accounts in question were closed accounts that belong to someone else or either was reporting the wrong information. I also called in to their company and was told that I could not investigate a " closed account '' by one of their rude representatives. I have enclosed a copy of each letter I wrote to them and also a copy of my report were the misinformation is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting on my credit report, this account is XXXX XXXX XXXX. I have settled this account and its over 7 years old. I am trying to purchase a home and I need this deleted off all my credit reports. 

Thank you
Product: Debt collection

This is with XXXX XXXX XXXX in XXXX XXXX California. 
I 've been with Hyundai for over 6 years and I 'm leasing a second car now through XXXX XXXX. On my first lease I had over millage and I was told that I would receive by mail an itemized breakdown of the over millage, which I never received. Hyundai claimed they sent a letter and called me, and I never received either. Unfortunately, I found out through my credit score notifications I was past due on a payment. After I notified Hyundai to dispute payment about not receiving the bill they were rude with poor customer service. I 've wrote letters to all credit bureaus and Hyundai. I 've payed the bill and now my credit score and report is ruined. Im always on time with my car payments and never missed a payment so this is clearly an error on their end. Hyundai was sending the over mileage bill to the wrong address so therefore they should provide a Good Will letter to say I 'm in good standing with payments so it 's removed from my credit report. I also checked my online account and billing address, which had the correct address. I will never lease or purchase another car from Hyundai again due to what they did to my credit report.
Product: Student loan

After XXXX XXXX in XXXX, I've been handling my student loans for years. I've gone from XXXX XXXX to XXXX to XXXX and now Mohela. Currently, after transferring my loans to Mohela in XX/XX/XXXX, they have seemingly gone crazy with my balance. It took about 8 weeks after consolidating my loans to them to see any balance ( {$29000.00} ). And that balance is where it stay for about 7 months. As someone who has a fear of debts, I had been checking my balance between once a week and once a day since I got them, and on XX/XX/XXXX, I login to a change in balance. The balance went to XXXX. I have a capture of my account on XX/XX/XXXX, showing a XXXX balance as well as their trademark " Your account is in good standing. '' This, with a simple search on some forums, is what they always show to be when you owe them no money. After a conversation later that day with Mohela, they didn't honestly explain what happened to my account, besides the word " reracking '' my loan. They didn't actually explain what that was, but by XX/XX/XXXX, the balance had returned. After that, I started checking the balance of my account daily. It stayed where it was until suddenly it shifted to {$53000.00}. I have issue with this, as my repayment plan is based around the amount of {$29000.00}, and if the balance is suddenly over $ XXXX, then I'm not sure how this will affect actually paying off my loans. Additionally, I'm not sure I trust them to be truthful with my balance, if I were to pay the loan off, as I've been doing in the past. Attempts to contact the company have gotten me put into one of two situations, where either ( a ) I get stuck in a loop pressing buttons and having to start over or ( b ) thinking I'm going to get ahold of someone only to be hung up on. I've not been able to get anyone on the phone since XXXX, and I'm genuinely worried they'll continue abusing me, as withholding the amount I may have owed has already messed with things, as being under no specialized payment plan, a XXXX XXXX  loan would not be able to beat interest by having {$220.00} payments, never mind be paid off in 20 years as it claims in supporting documents. Also, I'm incapable of actually giving them money right now, as it say I have {$0.00} due. Please advise and help any way you can. 

Thank you.
Product: Debt collection

I am a XXXX XXXX XXXX and XXXX XXXX  Veteran. I had an XXXX XXXX visit that resulted in admission and XXXX XXXX. I advised the VA of my admission immediately. I was admitted in XXXX of XXXX and now I am receiving collection from Ability Recovery Services for over {$1800.00}. I've notified VA Community Care National Office with this information. The collection is now on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Account is result of an identity theft, I have no knowledge about the account filed with Bank of America with the amount of {$310.00}, XXXX listed under my credit report. Issue was brought up with the bank 4 times already without any solution.
Product: Mortgage

Applied for a loan twice with rocket mortgage The first time office didnt even look at proof of income so we were denied *Debt to Income : Non-self Employed Income not supported So I the second time I called to complain about issue and loan officer said no you shouldnt have problem I have done plenty of loan like this we could try one more time so I got convince it would work we evening put an offer on a property he assured realtors that everything was fine and approve by underwriting. Working and submitted docs for 21 days he even extending closing date thinking we were going to close on house. Before I knew it the loan was denied for same reason : *Debt to Income : Non-self Employed Income not supported. Everything was submitted we said no playing around before putting an offer we wanted to make sure we were 100 percent approve but I guess not its a joke. We lost house and inspections fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the rights to privacy.

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

I bank with capital one and I haven't been able to access my funds in 3 days due to their technology issues.
Product: Credit reporting or other personal consumer reports

Report number XXXX for dispute experian XXXX XXXX I am submitting this complaint against Experian for failing to comply with federal laws governing the accuracy of consumer credit reports. I have evidence that they have violated the Fair Credit Reporting Act ( FCRA ) as follows : 1. Background : On XX/XX/XXXX, I submitted a dispute regarding inaccurate information on my credit report. XXXX XXXX XXXX card account XXXX I waited the legally required 35 days for their investigation and response. 
Experian credit report responded, stating that my accounts had been updated. However, after comparing my credit reports from XX/XX/XXXX and XXXX XXXX I found no modifications were made by experian, incorrect balance dates and monthly payments showing on each credit bureaus no contract with my signature that im obligated to pay {$510.00} 15 USC 1681i ( 5 ) : Failure to delete or modify inaccurate, incomplete, or unverifiable information following a proper dispute.

15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information in my credit file. 15 USC 1681i ( c ) : Failure to notify me about the reinsertion of disputed information or include a statement of dispute in my report. 15 USC 1681s-2 and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) : Failure to conduct a reasonable investigation of disputed information and report accurate data to
credit bureaus 15 USC 1681i ( a ) ( 1 ) ( A ) : Failure to conduct an adequate investigation of my dispute in a timely matter