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

XX/XX/2022 SUBJECT : Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. 

Hello CFPB, I have heard great things about your agency and helpful employees. 
Bank of America is intentionally Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. ( meaning pay only " current balance ''. 

As a good citizen, i pay my balance before the due date ( or at least portions of it ). On the due date full statement balance is getting paid ( instead of current balance ). So my balance is always in credit ( negative ) and Bank of America is not refunding this unless asked. They are enjoying customers money ( credit balance ) for free and probably investing it. 

Please help to set it up " current balance '' is paid. At this point, this is not possible online or over phone ( screenshot attached )
Product: Credit card

Thank you for taking a XXXX  of minutes out of your busy day to read this letter. Ive enjoyed my relationship with XXXX  and XXXX  XXXX since XXXXIm writing because I noticed your company reported a XXXX  in XXXX  on my credit reports. I am requesting a goodwill adjustment to remove this XXXX  payment from my XXXX, XXXX and XXXX credit reports. 
Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was without a job and was homeless. Now im trying to get back on my feet I take full responsibility for the mistake and have made sure it wont happen again. 
Im in the process of applying for a XXXX loan to get back in fourth to work and a apartment the negative impact of the XXXX account could result in a denial for my loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 
Sincerely,
Product: Student loan

XXXX XXXX XXXX lied to me about my previous employer, XXXX XXXX being a qualifying company for the loan forgiveness program. I have the paperwork that they sent to prove it, along with the apology letter, stating they made a mistake.I would like those those payments reinstated as qualifying.
Product: Student loan

I am a victim of a student loan assistance program called Total Debt Assistance Group. They got all of my information, I signed a contract, and they charged me {$600.00}. I did n't know they were illegal until after I finished all the paperwork and gave them my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, Experian and XXXX and they have done nothing.
Product: Debt collection

First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an Affidavit requesting Documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on these Debt without validating or even owning the debt.

I found the CFPB filing against this same Collection company in XX/XX/XXXX File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC. Not validating dispute and sending out generic letters saying you own this debt and we will not remove it from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that prove they are the owner of the debt or can even validate the debt.

I sent MCM a affidavit to establish the debt these are generic letter they send out to multiple people and I have proof. I have a friend that received the same letter. She is going to file an complaint also. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are owner of this debt and verify this is my Debt.

Thank you please make them abide by the provision from the case XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 cr
edit 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 EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

***See attached for inaccurate delinquent account status reported by TransUnion for XXXX XXXX
Product: Credit reporting or other personal consumer reports

Principals rights were violated by XXXX XXXX XXXX in conjunction with XXXX, TransUnion, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> The Home Depot Consumer Credit Card Account ending in XXXX Citi Reference Number : XXXX Subject : Opt-Out Notification Dear [ Recipients Name or Department ], I am writing to formally exercise my right to opt out of [ specific term, e.g., arbitration agreements, data sharing, etc. ] as provided under [ applicable law or agreement clause ]. 
Please consider this letter my official notification to remove my participation from [ specific term or program ]. Below are the details related to my account : Account Holder Name : XXXX XXXX Account Number : The Home Depot XXXX Credit Card Account ending in XXXX Citi Reference Number : XXXX Under [ specific law, e.g., the Gramm-Leach-Bliley Act or applicable contract terms ], I request confirmation that my opt-out request has been processed. If additional information or documentation is required, please notify me promptly at the address or email listed below : Email : XXXX Thank you for your prompt attention to this matter. Please provide written confirmation of this opt-out request for my records. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting an investigation into items that I believed were inaccurate and unverifiable. I am in disagreement with the items shown on my credit report, and I requested that these items be re-investigated. 

Since this is my third request, I will also be sending a copy of this letter ( attached below ) to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. According to 15 U.S.C. Sec. 1681i ( a ), you are supposed to complete this investigation within 30 days of receipt of this letter. 

On XX/XX/2021, I once again wrote to the credit bureaus ( XXXX XXXX, Transunion ) requesting they reinvestigate my disputes since I have not heard from them and it has been well over 30 days. I understand that they are required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. As of XX/XX/2021, I have not received and update regarding my disputes nor an updated copy of my credit report. 

The credit bureaus are clearly in violation of 15 USC 1681i ( a ) as well as 15 USC 1681i ( 5 ).
Product: Credit card

I purchased a ticket for middle XXXX for the XXXX XXXX I was charged from two companies 1 charge for {$110.00} and {$55.00}
Product: Debt collection

There is a company listing many collection accounts which I have requested validation and nothing has been received. Is this legal?
Product: Money transfer, virtual currency, or money service

Send at wire from my Credit Union Bank ( see attached document for information ) in the amount of {$50000.00} to a private account at Chase bank, for an investment on a multifamily unit. Chase bank flagged this as unusual activity and did not process the transfer. My bank called me to alert me. I contacted the recipient of the wire and they said that they did not have my funds in their account. 

At this point I called Chase to ask why they flagged the transfer, and they denied that they would do flag an incoming wire. I decided to cancel the transaction completely in case something was wrong with the transfer, since the money has not arrived at the recipient yet ( per the Chase private banker who is associated with the investment account ). On XX/XX/XXXX the wire transfer recall was initiated and I was told by chase that it would take 24 hours or less to return the funds. 

As of XX/XX/XXXX I have not gotten the money yet, and the recipient has not seen the money yet either. I was told by Chase that I could not have any information about the wire or where my money is. My bank told me that the money is at still currently at Chase. 

I have come across a lot of complaints about Chase bank holding onto these funds indefinitely and without urgency to return. I need my money back as soon as possible because I am intending to send it again.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute and Request for Proof Inaccurate Reporting on Consumer Credit Report To Whom It May Concern : I am writing to formally dispute the inaccurate information that American Express has reported to the credit reporting agencies regarding my account. Specifically, the report states that I was late on my credit card payment for the month of XX/XX/year>, with an alleged unpaid amount of {$1100.00}. I assert that this information is false and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and American Express is obligated to correct or remove any inaccuracies. Please consider this letter as my formal dispute and demand for American Express to immediately investigate and correct the inaccurate information reported to the credit reporting agencies. 

Additionally, I demand that American Express provide me with substantial proof that I was indeed late on the aforementioned payment. Statements alone are insufficient evidence. I require detailed proof of the alleged delinquency, including but not limited to : Payment records showing the exact date and amount of payments received. 
Correspondence sent to me regarding the alleged late payment. 
Any internal notes or records indicating attempts to contact me about the delinquency. 
Proof of the actual due date and any grace period provided. 
Confirmation of who is and has been redeeming the coupon bonds/securities in the name of the account holder and who the trustee and beneficiary are of the account. 

Failure to provide the demanded proof will be taken as acknowledgment that the reported information is incorrect and must be promptly removed from my credit report in perpetuity. 

In addition, I want to inform American Express of the potential costs you may incur if this matter is not resolved promptly and I am forced to pursue arbitration and/or legal action. Below is an itemized list of potential costs American Express may face in arbitration/civil suit : Filing Fee : $ XXXX {$500.00} Administrative Fees : {$1500.00} Arbitrators Fees : {$3000.00} ( estimated for a single arbitrator ) Legal Fees : {$5000.00} ( estimated, if representation is required ) Compensation for Damages : $ XXXX {$10000.00} ( potential credit score damage and associated financial losses ) Additional Expenses : {$2000.00} ( estimated travel, accommodation, and other related costs ) Total Potential Cost : {$22000.00} It is in the best interest of American Express to resolve this matter amicably and without the need for arbitration/civil action. I expect a response from you within 30 days of receiving this notice. If the matter is not resolved to my satisfaction within this timeframe, I will have no choice but to proceed with arbitration/civil action to seek redress for the inaccurate reporting and the damages it has caused me. 

Thank you for your prompt attention to this urgent matter.
Product: Credit card or prepaid card

Comenity bank lowered credit limit from XXXX to XXXX. This was on XXXX XXXX when I tried using card and said was suspended. Didnt rec bill for XXXX when bal was XXXX. Said they got credit report and it had changed since I got card. That is incorrect. When I asked for information why wasnt notified or agreement doesnt have that information. This caused my utilization to change and my XXXXredit score lower 4 points. Rep wasnt able to answer why to any questions. Bill has always paid on time and some months no balance. XXXX XXXX has Rewards program and lowering credit limit automatically disqualify me from taking advantage of Rewards and that is discrimination. No letter or email notifying me of any changes. Changing credit limit to XXXX and I charged XXXX before it was lowered is what made marks against my credit.
Product: Credit reporting or other personal consumer reports

Attn : To whom it may concern, Greetings!

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. BC125 15 U.S.C 1681 Section 602 A, States I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than ( 7 ) seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall Not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as XXXX XXXX Experian and XXXX just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.
Product: Credit reporting or other personal consumer reports

I'm writing this XXXX  again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month XX/XX/year> and made it clear which accounts were falsified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three dispute letters to all credit report agencys regarding account XXXX  XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.
Product: Debt collection

This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The  original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service. 

I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress. 

XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged. 

XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to. 

This is RIDICULOUS and I can not afford an attorney to resolve this issue. 

Please help.
Product: Credit reporting

The problem is that the credit card company keeps using my information with some one else who has a car or a mortgage using my name I have been having problems with this force some time the problem is that I know how much credit I have used and I know how much credit I have not used that is a sign that I am responsible enough o know how much credit I have not used the other problem is that company 's should not be allowed to just tthrow any collections on my report the goal is to get the money if the company do not want to goq to couirut and XXXX XXXX the money then why make it easy force them to just throw some frivilouse non payment on my credit I have never bought a car or a house because of the fact that fir so many years in this XXXX company ' s have it to easy to just throw non payment debt on a person credit company 's should be forced to take the matter to court and discpute the claim not let it sit and XXXXDo nothing company 's know how much deceptive trade practicing they are minipulating and using all my life I have not bought a house because of the fact that the laws for credit bureas accountble. Credit reporting have gone unprotected force consumers like me who actually have the money to get a loan and pay it back if I wanted to do that I need to know what an be done by you to fix this or is this just some dumb complaint line going no wear resolving nothing you tell me!!!!!!