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

I am writing to formally lodge a complaint regarding the repeated failures to correct the late-open accounts associated. Despite my previous four attempts to resolve this issue, the problem remains unresolved, causing me significant inconvenience and distress. Each time I have contacted your support team, I have been assured that the matter would be resolved promptly. However, these assurances have not been met, and the issue persists. The continuous delays and lack of resolution are unacceptable. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to address the issue and a plan to prevent such occurrences in the future. I hope to see this matter resolved without further delay. Please help me correct the following accounts : XXXX XXXX XXXX : {$330.00} ; XXXX XXXX XXXX : {$220.00}.
Product: Credit card

I sent the below letter to Bank of America for a resolution, which they denied. I believe their actions are unjust. 

I am writing you with a very heavy heart. I am extremely dishearten and dissatisfied with the level of insensitivity and lack of understanding and communications received from Bank of America 's representatives regarding my closed account, now " charged off ''. I am requesting the charge off be reversed due to miscommunications and technicality. In XX/XX/XXXX, I spoke with a representative, who I notified that I was having hardship ( became unemployed ). She notified me that my account would be charged off on XX/XX/XXXX. Being XX/XX/XXXX was on a Saturday ( weekend ). I paid the bill on Monday, XX/XX/XXXX, which was paid the next business day, XX/XX/XXXX. I had no idea my account would be charged off on a weekend and neither was I explained this information in detailed. 

Additional information : I also was told that I had a cease and desist order on my account, which too was puzzling. I never requested a cease and desist and was never told such an order would be put on my account when requesting not to contacted via telephone. Today, XX/XX/XXXX, the represented mentioned that the cease and desist stopped all phone calls and correspondence, which I would have never agreed to. Requesting not to receive phone calls is totally different then not receiving mail. I never knew there was an issue until now, because I was still receiving my monthly statements. Therefore, I did n't get any reminder notice for the upcoming charge off or notice of the actual charge off or any notice pertaining to this cease and desist order that I did not consent to. 

I have had several hardships during the course of this account from being unemployment several times, XXXX, newborn ( a bundle of joy, nevertheless a financial adversity ), accepting a XXXX " only '' XXXX position, which was insufficient, thus having to move in with my mother, then recently in XX/XX/XXXX, becoming unemployed again. Through it all, I did the best I could. Now, that I have almost completed my payment in full, it is quite unfair and disappointing to receive a charge-off on my account for a difference of XXXX days, of which XXXX were weekend days. Furthermore, I never receive any notification pertaining to this charge-off, due to the above mentioned unauthorized communications disconnect. I thought Bank of America was in the business of helping people and that Bank of America would much rather see me pay my bill and build up my credit vs. damage my credit with a derogatory " charge-off ''. 

I am asking that you have compassion, thereby reversing the charge-off on the aforementioned account, in so doing allowing me to pay my outstanding balance in the amount of {$1200.00} without such a steep penalty. I really like Bank of America and hope to be a customer again, when my financial situation changes for the better. 

Thank you kindly for your consideration, time and immediate attention to this matter. Providing you require additional information, please feel free to contact me.
Product: Credit card

XX/XX/year> - XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} I made this purchase with XXXX XXXX and cancelled this flight within 24 hours. I spoke to a representative with XXXX XXXX and he assured me that I could cancel the flight online and Id receive a full refund back to the original payment method because it's been booked and cancelled within 24 hours and I cancelled it because I was promised a full refund. Turns out XXXX XXXX issued a full e-credit refund and not back to the original payment method. I tried resolving this with XXXX and they refused to take back the e-credits for a full refund. I disputed with American Express and they sided with XXXX XXXX. I don't know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/year>
Product: Debt collection

Portfolio Recovery Associates REPORTING TO XXXX, XXXX, XXXX Acct No : XXXX After receiving improper notice from Portfolio Recovery Associates, I sent written request for validation and Portfolio Recovery sent improper validation. They did not include the Original Creditor 's Address as required by the Fair Debt Collection Act : Section 809 ( see attachment ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the NAME AND ADDRESS of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and ADDRESS of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and ADDRESS of the original creditor.

ALSO, Portfolio Recovery used deceptive practices by putting at the bottom of the letter that that was not an attempt to collect a debt. ( SEE ATTACHMENT ) Section 807 : A debt collector may not use any false, DECEPTIVE, or misleading representation or means in connection with the collection of any debt.

ALSO, Portfolio Recovery used deceptive practices and did not accurately report the last late payment on the original account.
Product: Credit card

I contacted Kohls Card Customer Service on XX/XX/2023 about a duplicate charge. I informed Kohls Customer Service that on XX/XX/2023, I made two payments in error on the due date, XX/XX/2023 and requested the refund to be sent to my credit card. Kohls Customer Service Representatives stated that, they dont have options to cancel the payment on their system. However, Kohls Customer Service Department suggested that I get in touch with my bank to dispute the charge.
Product: Debt collection

I have XXXX medical bills on my credit report that I have spoken to a representative about that I should not be charged for and she said it should be removed within 30 days after I provided the needed documents such as copies of my insurance cards and the bills are still on my credit report.
Product: Mortgage

the company is purposely setting me up to have late fees on my account let me explain as simple as I can state it I have multiple mortgages and they all send me my mortgage statements on time meaning I have at least about XXXX weeks to pay it on time however this company is producing the mortgage statements on the last day of the month and by the time I receive it about XXXX business days have passed and I right away pay my mortgage by sending it back to them with my check which is my legal and lawful right to pay with a check for my personal records well that takes about another couple days to arrive to them so typically they stated that they receive my check by the XXXX however by the time THEY process the payment they are putting me on a late payment status this is obviously wrong of them to do that I have had plenty and I mean plenty of mortgages and no other mortgage company works with these kind of shady business practices. I have tried to talk to them about this but there is never a manager or supervisor on duty or available to help clear this up and they always tell me oh we will have someone call you in next XXXX days and no one ever calls. I tried to avoid getting you guys involved but this is reaching a point of financial abuse in my eyes and I need your help in getting this fixed asap please reach out to me if you can thanks. 

oh and FYI I know I can set up an automatic payment and just go that route but this is how I do my finances and this is how I manage my mortgages and its a legal way to pay so I shouldn't be forced to pick another option
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I started the dispute process with XXXX for the following companies. 
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 I ALSO DID NOT CONSENT INQUIRY FOR THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a correspondence from XXXX dated XX/XX/XXXX indicating that I wanted to challenge fraud on my report, I sent in all identification to prove it was me on XX/XX/XXXX I received a correspondence stating the disputes I want to challenge. 
I called XXXX on XX/XX/XXXX to check the status, and they told me that they hadn't received any of my identifications to move forward. I said that they couldn't send me correspondence of all the collections I was disputing on XX/XX/XXXX. Please understand, that I am in a dire financial crisis as a XXXX veteran. I want to apply for a HELCO loan and my bank told me that I need the following collections removed from my credit report. Now this was the last step of the process when I submitted a letter on XX/XX/XXXX a letter stating Notice of Pending Litigations Seeking Relief and Monetary Compensation Under CFRA 15 U.S Code 1681n Civil Liability for willful Noncompliance And 15 U.S Code 1681 Liability FOr Negligence and Noncompliance And 15 U.S Code1692k Civil Liability. 

After talking to XXXX supervisor, XXXX. He tells me I have to start the dispute process over again. I am asking that XXXX expedite my disputes to have the mentioned items above removed. I did my part, but someone at XXXX dropped the ball. I called each month since XXXX requesting that they move forward with the investigation, and they did not. Your immediate attention is appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date of Birth : XX/XX/XXXX Note : This is an emergency.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Fax : XXXX Subject : Written request to remove non-payment reporting to credit agencies From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX Loan Number : XXXX Dear XXXXXXXX XXXX XXXXXXXX Department : It recently came to my attention that my escrow account was continuing to be below funding as of XX/XX/2023. I was not aware of this, and I continued to make my {$3200.00} mortgage payment as I have over the years ( never late for 6 years ). I received notice that my payment was delinquent for the month of XX/XX/2023, which I paid on XX/XX/XXXX. I was then informed by my credit monitoring system that there was a delinquency reported. 

The reason this happened was that my mortgage payment had gone up by approximately {$44.00} per month which I just learned by calling your customer service. I have since paid any outstanding balance of approximately {$85.00} and would appreciate it if you would remove this notice of non-payment to the credit reporting agencies. This has significantly impacted my credit rating and was not intentional on my part. 
Please feel free to call me at XXXX or email me at XXXX. I am happy to discuss this in person. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

I have written to Rushmore Loan Management Services because they changed the terms of my loan when it transferred to them, which their website states they will not do. 
I am writing to dispute the late fees that I am being charged. My loan was transferred from XXXX in XXXX of 2017 where late fees were not a part of the terms. The Rushmore website states that the terms of your loan, when transferred to Rushmore, will remain the same. Initially the XXXX terms were honored but after the first few months after a false loan modification increasing my payment did not stand, suddenly I began being charged late fees. I pay my mortgage after the XXXX of each month because, as a senior citizen, that is when I receive my social security check. This was never a problem with XXXX. Rushmore not only began charging me late fees which was a departure from the terms of XXXX, but also began sending me letters stating that I was in default and threatening foreclosure before the month during which my payment was due had even ended. 
When I told the last representative about the illegitimate late fees being charged to my account, I was advised that a letter to the company was all that was needed to clear this up. I have written to the company previously but received no response. Here is the information on their website : https : //www.rushmorelm.com/faq/ Generally, the terms of your loan will not change as a result of a transfer of servicing. Rushmore will honor the terms of your loan that were in place with your prior servicer, including any existing repayment plan or loan modification to which you agreed with your prior servicer. Contact Customer Care toll-free at XXXX Monday Thursday from XXXX XXXX  to XXXX XXXX  and Friday XXXX XXXX to XXXX XXXX ( all times PT ) if you have questions. 

I believe I am being discriminated against if late fees are charged to my account. I would like this corrected and the late fees removed. 
Thank you, XXXX XXXX loan # XXXX
Product: Mortgage

I am a short sale negotiator negotiating a short sale. A short sale is when a property is worth less on the market than is owed ( i.e : home is worth $ XXXX and Seller owes $ XXXX ) and the seller is going through financial hardship. The bank will approve to waive the deficiency if the seller can present a buyer. 

My seller owes XXXX to her XXXX mortgage, XXXX and XXXX to her XXXX mortgage, 21st Mortgage. The house is work XXXX. She is behind on payments for almost a year and is well in the foreclosure proceedings. XXXX has just approved the HAFA short sale ( government program ) for XXXX to the buyer we are under contract with now and is giving the MAX amount that the XXXX mortgage is allowed to receive by HAFA regulations : {$8500.00}, which is much more than the general rule of thumb where they receive 6-10 % ( I have never seen a payoff to the XXXX reflecting more than the 10 % ) of the remaining balance ( XXXX-XXXX ). 

21st Mortgage is REFUSING the {$8500.00} and is saying they will not approve short sale unless they receive the XXXX, which XXXX CANT even give, even if they wanted to. The seller is not legally able to give the XXXX ( even if she had it ) because the whole reason a short sale is approved is because she does n't have funds to give to the XXXX mortgage. 

21st Mortgage would RATHER have the Seller go into foreclosure and receive {$0.00} ( all proceeds would go to XXXX NOT 21st Mortgage because the amount owed is much more than the property is worth ) than {$8500.00}. Keep in mind XXXX ca n't even give them the insane amount of funds they are asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with equifax on XX/XX/22 for XXXX account # XXXX. I received an update online on XX/XX/22 stating my account was verified as accurate. I'm confused as to how they were able to investigate this account in only 6 days and make a determination that its accurate. On XX/XX/22 I sent them a letter requesting them to provide me with validation of how they completed the investigation and verified this debt to be accurate. They are saying they did but according to law they didn't do a proper investigation. According to law they violated my consumer rights and these consumer laws. 
15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Violations by SELF INC. Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint against SELF INC. for alleged debt purportedly owed to SELF INC., with the account number XXXXXXXX. I believe that this agency has violated several provisions of federal regulations, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide validation information upon request by the consumer. Despite my repeated requests, SELF INC. has failed to provide any validation information regarding the alleged debt. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This provision ensures that consumers have the opportunity to dispute the accuracy of the debt before it is reported to consumer reporting agencies. However, I have not been given any opportunity to dispute the account with SELF INC. before it was placed on my consumer report. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : These regulations require debt collectors to accurately report information about consumers ' debts and ensure the maximum possible accuracy of the information reported to consumer reporting agencies. By reporting the alleged debt without providing any validation information and without giving me a chance to dispute the account, SELF INC. has violated these regulations. 

Furthermore, I believe that SELF INC. has engaged in false, misleading, and deceptive practices by furnishing inaccurate information to consumer reporting agencies without providing the required disclosures. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against SELF INC. for its violations of federal regulations. Additionally, I request that the collection account associated with account number XXXX be removed from my consumer report immediately, as it is based on inaccurate and unverified information. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

The debt in question was paid by the insurance company ( XXXX ) to the Lean Holder ( Capitol One ). The loan in question is closed. Confirmed by Capitol One and XXXX. The letter from XXXX XXXX XXXX XXXX XXXX XXXX appears to be a scam. It is attached below. They are asking for money that is not owed and threatening to turn this information into the DMV to get my driver 's license suspended. They are stating that the balance owed is {$19000.00} and they are willing to settle for {$12000.00}. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX