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

My account with XXXX XXXX, AND XXXX CARD 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 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, AND 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: Mortgage

Bank of America purchased a mortgage loan on the residential home of my ex-husband. He is now in a XXXX due to XXXX XXXX. Bank of America was notified that he lived in a XXXX that required him to sign over his retirement income, along with Social Security. Bank of America has now foreclosed on the residential property. In all my conversations with Bank of America, it was always told me that I was not responsible for the loan, but because I had Power of Attorney, they could talk to me. I had to file the POA with the State before they would honor it to even discuss the loan with me.. ( We divorced in the 2nd year of the original mortgage and property ownership was granted to my ex-husband by the divorce court. ) I now have POA for his medical and business care because he has no one else to help him. Bank of America knew this information and NEVER attempted to collect or report this loan on my credit report as his ex wife, in over 20 years. I was told they would n't and they did n't, until now that they have foreclosed on the property. They are now reporting it on my credit bureau and have sold the foreclosure to XXXX who is also reporting it. I now have 2 mortgage foreclosures reporting on my credit bureau for the same loan that I had a verbal agreement that I was not responsible for. ( evidenced by NO reporting or collection attempts in over 20 years ) It is NOT right that I was mislead by Bank of America and now 2 Mortgage Companies are exploiting my excellent credit as verified with no late pays or charge offs, on any of my Credit Bureaus. I received a letter from XXXX saying they were working with BOA in foreclosure on the property and the notice was NOT to be deciphered as a collection notice. Since they have NEVER attempted or discussed collecting from me or indicated I was responsible for the loan, please remove the credit reporting from my credit report. This type of exploitation by Financial institutions is crippling to consumers. It ties my hands to having a great credit history. Using unfair methods just because you can get away with it is not what America is about. We are a country of compassion. Bank of America and XXXX are NOT doing the " right thing ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

We got a credit alert that informed us that Trans Union has placed on our credit report a late payment that is not late, its from XXXX who also has charged us with a late fee. According to consumer affairs this can not be done until after 30 days, XXXX XXXX is fraudulently charging my account which has been closed for months therefore, because of this we are filing a major law suit against XXXX and Trans Union and we encourage CFPB and the FTC to whom we will also notify of this fraudulent activity and we are requesting that you fine Trans Union XXXX XXXX XXXX dollars for their part in this.
Product: Student loan

Ive been contacted multiple times regarding student loan payment. Its been 4 years since i graduated and I was told I would not have to repay my loans back. Ive been contacted by mutiple agencies. Saying Ive missed payments and if I dont make payment then I will be reported to the credit agency. Which is false. Please fix these and get your information right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to submit a credit freeze for my daughter. After going onto Transunion website to learn the protocol for how to do so I mailed in all of the necessary information ( XX/XX/2011 ). After not receiving a response from them I then mailed in the necessary information again back in XXXX. I have still yet to hear back from them regarding this issue. 

Thank you, XXXX XXXX
Product: Checking or savings account

Dear CFPB, Citibank had restricted my Checking account XXXX without any legal reason to do so. 

In XX/XX/2022 I initiated a transfer of funds from the Ctibank account and that transaction was blocked by Citibank. A note I received from another bank to which I intended to transfer funds from my Citibank checking account read as follows : Please be advised that for the external Citi Bank checking account ending in XXXX, I did see the initial suspension was triggered by the failed {$45000.00} ACH transfer on XXXX. When viewing the transfer request on your Bank profile, I do show the rejection reason listed as Account Frozen / Entry Returned Per OFAC ( Office of Foreign Assets Control ) Instruction. 

As far as I know there is no legal action by any party that would put my account into XXXX status and I am not subject to any OFAC restrictions. I believe that Citibank restricted my account without any legitimate reason. 

As a result of Citibanks action I lost {$250.00} due to the fact that Citigroup blocked my transaction mentioned above and I am continuing to loose money every month in which I do not have access to the funds in my account. 

I would appreciate that CFPB investigates the practice of Citibank blocking customers accounts without proper legal process or a court decision.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Submitted a dispute to three credit reporting bureaus and company claimed the information has been verified. I have never had or opened an account with this creditor nor have I had an account with XXXX that was opened in XX/XX/2016 ( information which they falsely supplied to the credit bureaus.
Product: Checking or savings account

I went to deposit {$3000.00} cash, 30 {$100.00} bills the highest amount that is taken by this atm services by XXXX  at the chase location XXXX XXXX XXXX XXXX XXXX FL XXXX on XX/XX/2024 Saturday around XXXX XXXX. The machine took all of the money the screen went black it shut down in the middle of my transaction. It restarted, I did not get a receipt, the money was not in my account the bank was closed. I called the police who transferred me to the non emergency line there was no response. The bank/atm stole my money. I immediately called the number on the atm explained the situation got claim number XXXX. This money was to pay my credit card. I got to the branch Monday am told they are not responsible for the drive thru atm XXXX is. They are doing an investigation and I get a temporary XXXX put in my account. On Tuesday XX/XX/XXXX I get a text that my account is over drafted. I check and call chase Im told only {$1400.00} or some extra was found but not the rest of the $ XXXX. I do not know how they came to this conclusion. I am told over the phone to go to the branch and request a recount I go and Im told again the same thing the branch manager XXXX XXXX Tells me that atm is not serviced by chase we call and they claim they will request the manual recount. I call XXXX XXXX they tell me chase is responsible for that atm and money not them. I ultimately need my money that I deposited into my account back without any further issues. How can chase bank steal $ XXXX from a customer. They are stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX refuses to remove the XXXX XXXX XXXX that's on my account. 

Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

I have put in several disputes about them publishing inaccurate information, but they keep stating that XXXX XXXX is verifying the information. 

My account is blocked on XXXX XXXX, so they don't have the ability to verify anything attached to my name. The Bankruptcy Courts stated to me that they don't share that information. 

How can XXXX XXXX verify anything when my account t has been opted out and blocked, so I am stating that XXXX are not verifying and just keeping the information the same without a human person really doing the research to verify the information. 

I will attach the letter from the Bankruptcy XXXX and also my letter from XXXX XXXX.
Product: Credit card or prepaid card

American Express has froze all of my MR points across all of my cards. I was not given notice or a reason why my points are being held for review. Their reps would only tell me they will be held for 6-8 weeks ; reps would n't tell me when the beginning of this 6-8 week " review '' period began so there 's no way to extrapolate when it will end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes against US DEP OF EDUCATION and US DEP OF EDU/XXXX for identity theft and attempting to collect a debt not owed, most recently XX/XX/2021, which in the course of their investigative consumer report the accounts were not removed within four days as it should be under identity theft. I constantly receive the response of the negative accounts being " verified '' but under an investigative consumer report, personal interviews with neighbors, friends or associates of the consumer reported on must be done. I have not gotten any information as to who was spoken to or any other verifiable information, to verify their claim. I also sent a notice to cease and desist on XX/XX/2021 complaint ID : XXXX to not communicate indirectly through any medium and cease and desist reporting the information to my consumer reports which has been violated due to the reporting of these negative accounts still being furnished to my consumer report defaming my character.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with XXXX XXXX XXXX XXXX XXXX. Understanding the importance of accurate credit reporting, I appreciate your attention to this matter and request an update to my credit report accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX VIA DEALER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Rental on behalf of XXXX AT XXXX XXXX. 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

RESIDENT VERIFY Inquired on XX/XX/XXXX Rental on behalf of THE XXXX XXXX. 
This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to FACTUAL DATA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX R
Product: Checking or savings account

I Had deposited a XXXX XXXX  check in to my account last month the check cleared and now all of a sudden they locked my account and wont give a access to my money. they said they are investigating the account and they don't know how long it will take. I read online about many other customers with Capital One debit cards with the same complaints and they can take months to investigate. This company is a complete fraud they purposely locked they account to hold on my money and will not give a clear answer because they want me to wait as long as they can extend it to drag the date of the funds to be released. For every tranaction i was make they kept locking the account even though they funds were available and they approved it in the beginningeginning this bank is a gimmick.
Product: Debt collection

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account still appears after notifying the debt collector and never received any correspondence back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX
Product: Credit card

On XXXX I purchased a set of earrings from XXXX XXXX XXXX XXXX XXXX XXXX and was told wed receive a discount through our catamaran excursion via XXXX. The final price of the earrings was XXXX XXXX ( XXXXXXXX XXXX ) as noted on the sticker on the earrings although I was charged XXXX XXXX. I lost the receipt while traveling back to the XXXX and thus filed a dispute with Chase as I had made the purchase with their Chase Sapphire card. After the incident I found reviews stating that this had happened to other people via the same store, and that it is essentially a scam. If the merchant has a copy of the receipt and a legitimate inventory pricing they should be able to confirm that they overcharged for the product.
Product: Debt collection

RE : previous complaint # XXXX 1. This Complaint is filed pursuant XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX. and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Product: Credit card or prepaid card

Received notice from Chase Bank late penalty would include interest rate going to 29.9 % indefinitely. This is XXXX  and especially during a pandemic!! Where is the government oversite?!!!
Product: Debt collection

i got a call from a number with a partial voice mail i didnt know who it was so i left a voicemail to contacted back and when they called back a couple days later they said they were lincoln XXXX to collect a 10 year old bank debt for US Bank and that they had been sending information to address in another state i lived in which was XXXX Missouri and i believe i paid the debt or was in XXXX already for the debt and i have been having a bank accoumt since 2010 and they threatend to garnish wages and take me to court for the debt and tried to scare me into paying i told het i would pay and made arrangment to pay but after further investgting i realized they were a fraudulent company and i asked to b sent papets in writing about the said debt and she said she will but never asked me for my address but i did text my current identafication with current address and a copy of my debit card but i changed my information to my debit card because i know i should not still owr the debt and it doesnt come up on my credit and US Bank has no record of a debt that i owe them and said i could open an acct with rhem if i wanted to..
Product: Credit card or prepaid card

My name is XXXX XXXX and I have received a letter stating that my claim has been denied because there was a similar claim last year. I do not agree with the decision as I am a victim of identity theft and two of my credit card lost/stolen within past 6 months. I know I had lost my card last year but this isn't the strong base to deny my claim. As you can see that I didn't even use this card as much throughout the year and all of a sudden there are hundreds of transactions charges in only one moth. 

Any and all of the transactions that were made from XX/XX/2018 thru XX/XX/XXXX or XX/XX/2018 are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. ( Totaling {$8800.00} ) I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 

Wells Fargo already have cases against them for not being reliable and I am so disappoint on both incidents. I never received a call or text when all of these fraud charges were made. 

Please contact me for any concern/questions at ( XXXX ) XXXX or via e-mail at XXXX. 

Regards, XXXX XXXX