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

This is on a store credit card. I pay the monthly statements via EFT through my bank. In XXXX the payment was due on the XXXX. The payment left my bank on XX/XX/XXXX and for whatever reason it did not post to my store account ( even though it was an EFT ) until the XXXX. This of course resulted in me being charged a late fee and interest of {$29.00} on a total bill of {$73.00} for one day late, which I reluctantly PAID. Then to add insult to injury I was charged again on the next statement a {$1.00} minimum interest charge. When I called customer service to inquire as to why, I was told that once your payment is late it is their policy to continue to charge a minimum fee for two additional months after the late payment. I realize it is only {$1.00} but this just can't be right.
Product: Consumer Loan

CCP XXXX Those are Civil Codes of Procedure for the State of California. 

I have a levy put on my account by a creditor whom I 've never heard of. I 've reached out to Bank of America over the phone, sent supporting documents via e-mail, as well as supporting documents to a branch manager for forwarding to your legal department. Not only did I show proof that all monies that were in my account have been for living expenses because of a XXXX injury / XXXX XXXX, I even forwarded the supporting link as well. I recently had XXXX on XX/XX/2016 and all my XXXX payments were almost exhausted. I was giving a pre settlement loan from XXXX XXXX for living expenses as well. I even showed proof of that. Why did your incompetent legal department tell me that in the State of California XXXX are n't exempt from bank levys? BofA did n't fulfill the laws of California even after they 've double checked. So ... they released my money to the sheriff 's department. Now, I have to go to court to show the judge the supporting documents because your XXXX excuse of a bank levy bench department could n't follow the law. 
Why has bofa lied to me about this CCP for California?
Product: Debt collection

This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the law firm I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
Product: Checking or savings account

I have had multiple problems with Chase bank. A few months ago I opened two business checking accounts with them in their branch, these accounts were closed without warning about 1-2 weeks after opening them. Later against my better judgement I opened a personal checking account with Chase. I transferred in funds from my other account outside of Chase. Again about a week or so after opening this account Chase closed this account unexpectedly. It has now been a month since the account was closed and they have failed to return the funds in the account. I have asked them to both return them to the original bank or send a check to the address on file. The first time I called them shortly after they closed the personal checking account, they said I would need to visit a local branch and verify my ID. I went into the local branch on XXXX XXXX XXXX XXXX XXXX XXXX, the banker at the branch said that a check had been mailed out and should arrive to the address on the account within a few days, two weeks pass and nothing. I call Chase again and they pass me off to their fraud department, the man I spoke to said that no check had been mailed out and that one would be mailed out in a couple days. A week later I call them again, and I get transferred to the fraud department again. The rep this time was at least honest and told me that in fact no check was ever sent out and that I would have to visit the branch once again and the branch would need to call the fraud department and speak to the directly so they could issue a check. Im having to find time during my day to make time if I can even do so to go to the bank to handle this. Im deeply frustrated by the lies they have repeatedly told me, the time that has been wasted
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent letter I received from your office requesting additional information to proceed with my dispute. I would like to bring to your attention that the requested information was already included in my initial submission. I am confident that all necessary documents and verifications have been provided, and therefore, there should be no need for additional information at this time. 
Please note that if I receive further correspondence indicating that you have ceased investigating my dispute due to a lack of informationwhen all necessary details have already been submittedsuch an action would constitute a violation of the Fair Credit Reporting Act ( FCRA ). Delaying the investigation in this manner, thereby extending compliance deadlines by 30-60 days, is unacceptable. 
If such a situation arises, I will have no choice but to pursue all appropriate legal remedies. This serves as formal notice of my expectations regarding your adherence to the FCRA. 
To ensure clarity, I am enclosing both your recent letter and my original submission for reference. My initial dispute letter included all essential details required for verification and the initiation of the investigation process. Under the FCRA, particularly Section 611 ( a ), the timeline for investigating disputed information begins on the date my dispute was received, as indicated in your acknowledgment letter. 
According to the FCRA : 1. The investigation must conclude within 30 days of receipt of my dispute ( acknowledgment date : [ Insert Date ] ). This makes the deadline for resolution [ Insert Date + 30 days ].

2. Extensions to the 30-day investigation period are permitted only under specific circumstances outlined in Section 611 ( 1 ) ( C ), none of which apply to this dispute based on your response.

3. The results of the investigation must be provided to me within five business days of its conclusion, as mandated by Section 611 ( 3 ) ( A ) .I trust that you will address this matter promptly and in compliance with the FCRAs requirements. Any further delays or procedural missteps will leave me no choice but to escalate this matter further. 

Thank you for your attention to this issue. I look forward to your timely response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards XXXX that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that XXXX was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,
Product: Credit reporting or other personal consumer reports

**Subject : ** Formal Dispute Under FCRA & FDCPA Request for Validation and Removal of Inaccurate Information I am disputing the inaccurate reporting of [ Account Edfinancial on my credit report. Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i**, I am exercising my right to dispute inaccurate, incomplete, or unverifiable information.

The following issues require immediate attention : 1. **Incorrect Reporting : ** This account was **paid off and closed**, yet it has been re-reported with a **late payment**.

2. **Verification Request : ** Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, I am requesting documentation showing how this account was verified as accurate.

3. **Investigation Records : ** According to **15 U.S.C. 1681i ( a ) ( 2 ) ( 4 ) **, please provide documentation used to verify the late payment, including communication with the original creditor.

4. **Proof of Investigation : ** Under **15 U.S.C. 1681s-2**, the furnisher of this information must conduct an investigation. If the reported information can not be **verified with documented proof**, it must be removed immediately.

Furthermore, if this debt was sold or transferred, I request full chain-of-title documentation under **15 U.S.C. 1692g** ( FDCPA ), proving ownership and legal authority to report this account.

Failure to correct this inaccurate information within the time frame required by law ( 30 days under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** ) will result in additional complaint filed with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 1681n and 1681o. ** I expect a response with proper documentation within 30 days, as required by federal law. If you can not validate this information, I demand immediate removal of the inaccurate data from my credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out XXXX student loans with XXXX. XX/XX/XXXXand have not made any payments nor am I required to make payments until XX/XX/XXXXalled XXXX and advised of the error of them showing me late ONLY 1 month and the remark for that XXXX month is showing late 90 days. There are no other months showing late so how could it be late 90 days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all three of my credit reports they are showing the following errors for each loan : XXXX. XXXX section shows each loan late XXXX days XXXX. There is only 1 month with a red X that represents XXXX late payment in XXXX of 2020 so how is the loan XXXX days late. 
XXXX. They should not be reporting any late payments at all because XXXX not done with school. 
XXXX. Each loan is on my credit reports are reporting XXXX different balances XXXX # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

XX/XX/XXXXXXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} XXXX # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} XXXX # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

XXXX. Its showing XXXX of the loans as closed which caused my credit score to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.
Product: Credit reporting or other personal consumer reports

After receiving m y credit report, I sent in documents challenging the accuracy of my credit file on XX/XX/XXXX. ( Certified Tracking USPS # XXXX ) TRANSUNION, XXXX, And XXXX reported all info on my credit file as verified, including accounts in collection. On XX/XX/XXXX I sent in for a review of your decision by requesting a reinvestigation. Certified Track USPS # XXXX. I am still waiting on help with these inaccuracies reporting I have not heard back from any CREDIT REPORTING AGENCIES or DEBT collection company. 


Pursuant to USC 15 1681A ( e ), This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 

Verification requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX XXXX XXXX XXXX XXXX XXXX 357 F.3d 426, 431 ( 4th Cir. 2004 ). 

Please update all Late paymenst attached to any accounts that are reporting late on my credit file, pursuant to 15 U.S. Code 1666 - Correction of billing errors. 

The Deceptive information that you are furnishing is causing me much hardship. It is damaging to my reputation and general mode of living I m not get approved for anything I am damaged.
Product: Student loan

On XX/XX/XXXX, I started making additional payments to my student loan with the intention of paying it off faster, but did n't realize that they were just prepaying payments. I discussed it with them when I first started to suspect that the additional payments were not being made to the principle balance and the customer service representative kept going in circles and would n't answer my questions directly. <P/>I have attempted to aggressively pay this loan off by trying to get Nelnet to set these additional payments to the principle, but everything to-date has gone to principle. I made an additional {$1500.00} electronic payment thinking it would credit the principle only, but it paid over {$50.00} to interest. <P/>I sent Nelnet a formal letter explaining what I wanted to do on XX/XX/XXXX, but I have to-date never received a written response. I started to converse with them over email on their website and they finally responded. After two sets of emails, I finally got them to state in writing that there is no way for them to credit/apply additional payments solely to the principle balance. <P/>It is my understanding, after reviewing several online sources including CFPB, that they should be able to credit/apply additional payments to principle when directed to do so. However, I have stopped making any additional payments as of XX/XX/XXXX until I am confident that they will do so. <P/>On a side note, I am an avid listener to a well known national radio financial show and many other listeners have called in complaining about the same problem and some have their loans with the same company.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

5 Q
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Inc . Customer Data Security Breach Litigation ; Case XXXX I am filing CFPB complaint against Equifax for fraudulent accounts that have appeared on my credit report, and I have been stressing to Equifax that these accounts are a result of Identity Theft stemming from Equifax and XXXX XXXX Data Breach. The erroneous, fraudulent accounts consist of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and I demand the fraudulent items listed to be removed, or I will hire an attorney and SUE EQUIFAX. Despite this, Equifax continues to badger, bully, and psychologically harass me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Again, I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ) that Equifax block and remove within 4 days per statutes and request that all written confirmation relating to this CFPB matter be sent to me via email.
Product: Checking or savings account

BANK OF AMERICA. 

XX/XX/XXXX : Got text message asking for my authorization of 3 transactions ( XXXX XXXX - {$1200.00} DECLINED ) XXXX XXXX ( - {$1200.00} DECLINED ) XXXX XXXX ( - {$450.00} APPROVED ), said NO and my card was restricted and will be having to get a new one. Login and see that another unauthorized transaction under XXXX XXXX ( - {$590.00} APPROVED ) has been processing. 

XX/XX/XXXX : The - {$590.00} has officially posted to my bank account so I called Bank of America asking for a status update and would be told that I should receive a resolution to this dispute in 10 days. The - {$450.00} was successfully disputed and I got the money back from it. 

XX/XX/XXXX : Temporary Credit of {$590.00} has been posted while they continue investigating. 

XX/XX/XXXX : Another message that my account has been temporarily credited while my claim is being researched. 

XX/XX/XXXX : Claim is in RESOLVED status and Bank of America is saying that the - {$590.00} was authorized and correctly posted on my account, the money will be taken out of my bank on XX/XX/XXXX, will file a complaint to the CFPB tomorrow and call bank of america again to dispute and ask for the documents they relied on to make the decision. 

XX/XX/XXXX : Calling Bank of America as soon as they're online at XXXX CST, I called and the representative said she will file a claim for reconsideration and it will take about 45 days to hear a response, filing a complaint now, was provided no official proof that she filed a claim for reconsideration and still have not received any documents of how they reached the conclusion that I authorized the XXXX XXXX  $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX