23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased a grill on XX/XX/2020 from XXXX, when I purchased it, the return policy stated that I have 30 days to return. The grill is broken and can not be used and I tried to return it within the 30 days and they said they are not accepting returns. I disputed the charge Witt suntrust because that is false advertising and misleading and lying to people so they buy stuff. Suntrust said there was no errors in that transaction and that it is valid. How did they come to that conclusion? Was my original dispute with them even read? Suntrust failed to investigate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The charges on my XXXX XXXX card were made by a dishonest employee at the store. The store manager stated that he would credit the charges and never did. I have been making the payments to protect my credit but the charges are fraud and are not mine and the company has failed to correct this issue
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, AND XXXX 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 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
Product: Debt collection

1. Portfolio Recovery will not give me a record of my payment history with the balances. I am beginning to become suspicious about how much they have taken out and I requested a payment history with balances and instead got a letter with only the dates and the monthly amount taken out and the current balance but no balance history.

2. When I call, I am told " that is the way the letter is, '' as if they can't simply just print out a transaction history with balances.

3. I was also told, " I mean, I could SEE if there is a way we can pull up your balances. '' As if I don't know that their business depends upon keeping track of client balances. Their responses are becoming very shady.

4. I was told I would be able to access my balance history on the Portfolio Recovery website. I got off the phone and logged in to discover this was a lie.

5. I called back again and after a second offer for the representative to out me on hold while they speak with their manager, I was only offered for another of the same useless letter to be sent out.

6. I agreed to {$10.00} per month but after two months, they started taking out {$10.00} and have done so since then.
Product: Credit reporting

These inquiries in attachment should not be on credit report. i have attached an email I sent to a local ford dealer disputing this as well and advising them they should not have submitted my credit report to XXXX banks without my approval. 

Have you guys submitted my application to any banks today? I noticed you have pulled my credit. I hope you guys did not do a mass credit submit, if so I want those inquiries removed. Getting me approved by XXXX banks is not a good process. 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I have spoke with other personnel in the management team to resolve your case. We have authorization and are currently working on it. 

When would be able to come in if it is possible? 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX did n't forward my credit information? If I came in could I drive it home tonight? I know with my credit issues you would need a day to try to get me approved. I could come in the next 30 minutes but not to sit around. 
Do you need any info from me, did you get paystubs and ID theft statement? 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, Thank you for the reply. I will get with management about the vehicle, but if you could do me a favor. We are currently not authorized to look at your credit. We would need you to fill out our online credit application. The link is HERE. Unless you just wanted to come in and sign off on it. 

Please put my name as the Sales Associate. 

I look forward to helping you get into this truck! 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX, I would do truck below if your still offering $ XXXX off. With $ XXXX down only would be financing like $ XXXX. 

VIN : XXXX XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I apologize for not answering, my phone must have been receiving a call at the same time. I am getting with management to see if we need anything else and how we can help. I will get back to you as soon as have more information. 

Best, XXXX XXXX XXXX Cities XXXX XXXX Sales Consultant M : XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX AM To : XXXX XXXX Subject : XXXX : FMCC Information XXXX XXXX tried to call you back. I am still in the market and working on my ID theft has been slow on Experian and XXXX. 

Have about $ XXXX down and can get A-plan price. Based on FMCC info can you guys help? 


XXXX XXXX. 
Sent from my XXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Product: Credit card

In XXXX  2024 I contacted Comenity bank about a past due balance, to inquire on options. A representative set me up on a zero interest program. I agreed to all terms and conditions presented to me and let the bank set up a years worth of payments debited directly from my checking account. The program agreed to was {$240.00} for the first payment and {$73.00} per month until paid off. The representative set up the first payment and the next 11 payments. I was transferred to another team that read all disclaimers and the call ended. Since then payments have successfully cleared my checking account each month. In XXXX I received a notification from a credit monitoring service that my account charged off. I have called Comenity on 4 occasions trying to resolve to no avail. Meanwhile, the payments continue to debit from my account. No one can explain why they did not uphold the agreement and they keep saying they are escalating.
Product: Credit reporting

XXXX account and XXXX card accounts were deleted last month and readied at the end of the month. The XXXX balance was wrong also and creditor agreed to remove from report. XXXX card account is Fruad.
Product: Payday loan, title loan, personal loan, or advance loan

I reported a dispute to my bank stating that my account was hacked and compromised through online activities, including transactions related to this lending or loan company. My account was overdrawn due to unauthorized transactions. My bank acknowledged that I was a victim of online fraud through a phishing scam. My account has been closed as a result. I have attached a screenshot of this lending company threatening to garnish my paycheck. Please see the attached document for details regarding these threats.
Product: Credit reporting, credit repair services, 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 Balance : {$120.00} XXXX XXXXXXXX Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX XXXX, PA XXXX refuses to send my credit report and crdit score for a loan with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX concerning a loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix the names and addresses on my credit. XXXX and Equifax and XXXX won't delete these wrong names and addeeas off my credit report. 

Can someone please help me remove these wrong addresses and alias names that are not me from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to Equifax, made two disputes and Equifax refused to remove the item. The collection agency XXXX XXXX in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months Equifax continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.
Product: Checking or savings account

I am a new customer with Bank of America mortgage. I originally setup an auto-payment for my mortgage to take out an additional principal payment each month. Recently I decided to switch back to just the required payment. In changing my auto-payment, I apparently created a second payment for the month of XX/XX/2019. My normal payment went through, but then an additional unwanted payment also was attempted. As I direct deposit only the amount of money needed for my monthly payment each month into my required Bank of America checking account, this resulted in an insufficient funds situation. When I contacted the bank, they advised me they saw what happened and told me I would receive a refund for two {$35.00} NSF fees charged in this error. This has not occurred. As Bank of America 's system did not alert me to the two scheduled payments, and I was told I would receive refunds for these fees, I request a refund for the two {$35.00} NSF fees.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, waterfall revenue grou Account # XXXX date opened XXXX {$1100.00}, affirm XXXX Account # XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX I saw some hard inquiries that did not have permissible purpose. I also attached evidence This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Investigation of unauthorized inquiries While checking my credit report, I noticed an unauthorized inquiry had been made from XXXXXXXX XXXX XXXX XXXX on XX/XX/year> I have tried to contact the concerned organization, that conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than 30 business days ago, they have failed to respond to and honor my request. I am forced to request your help in resolving this matter. By the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within 15 business days of the completion of the re-investigation.
Product: Credit reporting or other personal consumer reports

On my Credit report it states XXXX different dates that this credit card was used and i'm unaware of that and also it has the different dates that the account has open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of Equifax, XXXX and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.
Product: Checking or savings account

I use online bill pay to mail checks to my landlord. My check that was due on XX/XX/XXXX was not received by my landlord. I contacted Bank of America shortly after the check went missing and they started an investigation. They contacted my landlord who signed an affidavit that he did not receive the check, then they sent it to the XXXX XXXX XXXX XXXX  so they could investigate what happened to the check. This all took place in XXXX of XXXX. I was told the matter should be resolved in a couple of months at most. It has now been over a year. This XXXX I started documenting all my attempts to find out more information about the claim. 

XX/XX/XXXX BofA Message Center Our records show the payment continues to be researched by the XXXX  XXXX XXXX XXXX. 
As of XX/XX/XXXX, we have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

XX/XX/XXXX BofA Message Center This issue is currently being researched under the Case ID number XXXX. We will be contacting you with an update or resolution. We apologize, however we are unable to provide when the funds will be returned. 

XX/XX/XXXX BofA XXXX XXXX Federal Reserve, due diligence on both sides, min 90 days, stolen funds, check was cashed, XXXX verified he didnt do it XX/XX/XXXX XXXX - Federal Reserve XXXX we reply to the bank, replies have an expiration date Call BofA and if they still don't have any answers call Consumer Financial Protection Bureau XXXX XX/XX/XXXX BofA -XXXX in Arizona offered to send the claim to the back office for an update, I told her we had already done that, she said I needed to wait to hear from them directly. I asked to speak to a supervisor. 
BofA - XXXX, XXXX Supervisor Last follow up request was back in XXXX, sent another one over Advanced Services Research - Will call me back today with an update. I did not receive a call back. 

XX/XX/XXXX BofA - XXXX Call was dropped twice. 
Sees the open task to Advance Services, looking for a timeline. 
Sending it to leadership to get a timeframe. 
Tuesday next week. 

XX/XX/XXXX Online Bill Pay Message Our records show the payment continues to be researched by the XXXX XXXX XXXX XXXX. We have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

We appreciate your patience.
Product: Money transfers

On XXXX XXXX 2016, I had {$86000.00} stolen from me via wire instructions emailed to me by Attorney XXXX XXXX from her business email XXXXXXXXXXXX and her business XXXX in XXXX XXXX, Florida. These funds were the balance to close on my purchase of a condominium and I had hired XXXX XXXX and XXXX XXXX to handle the closing. From XXXX XXXX 2016 through XXXX XXXX 2016 XXXX and I and others in her office exchanged more that 30 emails regarding the closing via the email address she shares with her employees, XXXXXXXXXXXX. 

As arranged with XXXX, I arrived at her office on XXXX XXXX 2016 to complete the closing. XXXX met me at the door and asked if I had wired the funds. When I informed her I had, XXXX told me right away she 'd been hacked by some foreign criminal in XXXX, XXXX, or XXXX and that this happens all the time. I was in shock. 

On XXXX 's advice I went with her to the XXXX XXXX Police Department, where she described herself as the victim. I made it clear to the police that it was my funds that were stolen not hers. On XXXX XXXX 2016, I submitted a wire recovery with USAA to the receiving bank, XXXX XXXX XXXX, but as of today there is no reply to this. 

On XXXX XXXX 2016, when I asked XXXX about reporting this to her insurance, XXXX stated to me that her insurance will not cover wire fraud so she will not report it. I know that if she had reported it, there is at least some likelihood the insurance would have helped to resolve the issue, but XXXX stated she would not report it. 

Also on XX/XX/XXXX, XXXX, advised me she was willing to resolve the issue and offered me XXXX % of the lost funds and to take a XXXX % ownership in the property. Alternatively she offered me a loan for XXXX % of the balance so that I could close. She also offered me the funds to close but stated that any valuation in the property value when I sell would go to her. She refused to put any of these offers in writing. When I told her that I felt incapable of negotiating with her, a real estate attorney, she told me if I get an attorney to negotiate for me, then she will get an attorney and implied that she will not cooperate in resolving the issue. 

On XXXX XXXX, My attorney demanded a copy of her malpractice insurance which her attorney delivered today ( XXXX XXXX ). I understand that the malpractice insurance has an effective date of XXXX XXXX 2016 indicating XXXX may have been uninsured while she was assisting me on XXXX XXXX 2016. This is grossly negligent and puts her clients at risk. 

I was acting in good faith dealing with a title agency owned my a Florida Real Estate Attorney who should have protections so customers do n't sloe their life savings like I have. It does n't seem fair that this title agency can just walk away from this failure of hers and that I suffer the loss. I need your help. Thank you. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XXXX Email : XXXXXXXXXXXX