23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The first letter I received from XXXX XXXX XXXX. on XX/XX/XXXX stated IMPORTANT LEGAL NOTICE - As of XX/XX/XXXX that the servicing of your loan will be transferred from XXXX XXXX XXXX XXXX. to Planet Home Lending LLC. It also referanced a loan number of XXXX. 

I then received 4 letters each dated - XX/XX/XXXX - XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX a mortgage loan statement with Amount Due ( in bold lettering ) Not Available. 

On XX/XX/XXXX a letter stating- In response to your request for assistance, please find Mortgage Assistance document and instruction form. Options May Be Available, as well as Information on Avoiding Foreclosure - Please note - I at no time requested anything from and/or made no contact with them at any time. 

- XX/XX/XXXX I received another Mortgage Loan Statement - Amount Due - Not Available - Principal Pending - Due Date XX/XX/XXXX - Amount $ XXXX Interest rate 10 %. 
- XX/XX/XXXX I received a letter that states the post maturity of the loan balance is {$30000.00} and to pay on or before XX/XX/XXXX, with... If payment is not received, by that date they will foreclose. 

- XX/XX/XXXX I again received the same letter as previous letters a Mortgage Loan Statement -Amount Due- Not Available XX/XX/XXXX I received a Welcome Letter - they would like to Welcome me to Planet Home Lending and let me know they are very pleased to be servicing my loan. Monthly payment -Due Date XX/XX/XXXX and Amount Due- {$270.00}
Product: Mortgage

I have been dealing with Lennar XXXX? ( home builder and Mortgage company ) since XX/XX/2021. After many offers, I finally got a townhouse that would close on XXXX. I uploaded all documents that were required. On the site there were also documents for me to sign, they had my address and social security number wrong ( since XXXX ). We are 2 weeks from closing and they rip this house right out from under me because they are now saying that my Worker 's comp pay is not considered income. At the very last minute. I contacted everyone and nobody has the decency to respond. They did this to get a lot money, I know they did! This is unfair and unjust. They should have at least given me until my close date to find another loan. I was diligently working on trying to get another loan, they didn't respond at all to my pleas. My son was going to co-sign with me. XXXX XXXX from Lennar Mortgage sent a link for my son on Friday evening ( XXXX ) which would have been approved but on Saturday morning I received an email from XXXX XXXX ( Realtor for Lennar ) telling me that they were in the process of accepting another offer! This was so wrong!! My son didn't get to apply with me! They took MY townhouse from me!!! This is so wrong! And absolutely nobody will respond to an email! I sent everyone on the board and the sales manager, an email letting them know how I was treated, not a single response. I was treated unfair and unjust! I deserved at least until the close date to acquire another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian need to remove this fraudulent account. I file identity theft report, sent letters and call. I requested Mov many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Stepstone Credit- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has agreed to remove all late pays from my credit reporting agencies profiles. Please see attached letter from them stating as such. Please have these removed as soon as possible as its damaging my credit.
Product: Checking or savings account

On XX/XX/XXXX I checked my online account and noticed XXXX was fraudulently withdrawn from my citizens savings account on XX/XX/XXXX. I contacted citizens multiple times and they kept saying they are looking into it and couldn't provide updates. I have spent hours on hold with no luck. I was finally told today they closed and denied it but the rep couldn't say why and guessed it was because I waited to file. I filed the day I found out about the transaction. I have been calling XXXX and the details that show up are " XXXXXXXX XXXX XXXX XXXX' I have tried calling XXXX and they are saying I need to have citizens contact them and can't help me. 

Citizens bought out my account from XXXX. I have done nothing with the account since it was bought out. This is bad banking. There is no way they got the account information from something I did. I have never accessed the account in any capacity or wrote down any banking information. This has to be a citizens internal security issue that someone was able to easily access my funds and transfer such a large amount.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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
Product: Checking or savings account

I signed up for a Citi Bank promotional offer for the checking account. I completed the requirements and this has been confirmed by the bank multiple times. I was supposed to be paid {$300.00} 30 days after completion. It has been almost 3 months since and still no pay out. I have contacted the bank 3 times and I was told it was to be paid in the system no later than today. Its not in my account and in sick of this. 
Contacted Citi and received a ticket number : XXXX XX/XX/XXXX via phone was told 5 business days for payout. 
XX/XX/XXXX by chat since I wasnt paid yet and was told by the end of the month I would be paid. 
Called near the XXXX  of XXXX was told would be paid no later than XXXX of XXXX. 
It is currently XX/XX/XXXX and no pay. 
In this time I was also send a letter from Citi CONFIRMING I hit the requirements for the bonus.
Product: Payday loan, title loan, or personal loan

When I reviewed my credit report, I discovered that some of the information was erroneous. The AFFIRM INC must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : AFFIRM INC XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial compalint. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I never had an account with XXXX XXXX The company, XXXX XXXX XXXX Account XXXX is falsely accusing me of owing debt to
Product: Vehicle loan or lease

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

CFPB lawsuit with the platform zelle. Zelle reported recovering lost funds was impossible. Does not protect consumers. Allowed repeated offenders to exploit and abuse the system.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Bureaus XXXXXXXX and Experian regarding a closed XXXX XXXX XXXX XXXX and Student loan account that contained derogatory informaiont that was affecting my credit score substantially and requested them remove the account because of the inaccurate information. They did not remove the information and had more than 30 days to comply. Then i sent them a follow up letter of a demand to comply with no result. These accounts need to be removed under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act Convergent Account : 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 a consumer reporting agency can not furnish a account without instructions. 
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
Product: Debt collection

Receivables Performance Management is a scam company. This company calls 4-5 times perday looking for my mother who lives 500 miles away. They are rude, and threatening and they didnt even know my mother was female when they first tried to reach her. They do not give any information and sounds like its a scam. I have repeatedly told them to stop calling me and they continue by changing the number. I have told them that I am not who they are looking for and they are rude and hang up on me. When you go to leave a message its classic scam tactics the Voice mail is full and cant accept messages, and they then block a return call. If they don't stop I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited XXXX  days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is Equifax, XXXX, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX and XXXX credit bureaus to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : FRD MOTOR CR XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}
Product: Debt collection

I have requested verbally and through letters debt validation. The debt is past XXXX it was also acquired in the state of XXXX  and I now reside in the state of XXXX. I got a letter in my email on XX/XX/XXXX saying I owed {$6200.00}. I called multiple time in the comings days and weeks to dispute and verify and they have not been able to provide the documents to satisfy the debt validation. They sent me a supposed validation letter on XX/XX/XXXX and didnt have information needed to satisfy. I sent a letter for the to validate/verify the debt on XX/XX/XXXX including the information they need to provide to satisfy it and they could not. They also sent me a letter on XX/XX/XXXX saying they are going to sue me. I sent a letter of notice and demand XX/XX/XXXX if they can not validate/verify I request the forgive the debt.
Product: Credit card

I have an AMEX Platinum Card, which had a promotion for opening the card and using {$3000.00}. The promotion was XXXX AMEX Membership Rewards points. 

I got the card, used it and spent the {$3000.00}, and the promotional points are listed on my account. 

Now I try to use the points with an AMEX airline partner, and they halt the transfer stating that my points are " under review ''. 

Initially, they told me that the review can take 6-8 weeks, so I should try again after 8 weeks. I tried again and again, each time they gave me new timeframes, but now it 's almost 12 weeks and they still say it is under review. I called them today and now they are saying that they can not know how long that 'll take since it depends on in their " corporate office '', and the complaint they opened about it with the corporate office was closed with no explanation or answer!
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. Nevertheless, I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Checking or savings account

On XX/XX/XXXX, A recurring payment in the amount of {$110.00} .00, caused my checking account to be overdrawn and a fee in the amount of {$35.00} was assessed. On XX/XX/XXXX, i deposited the amount of {$560.00} however Wells Fargo only released part of the funds until days later. <P/> On the same day i deposited the amount of {$560.00}, Wells Fargo charged an overdraft fee in the amount of {$170.00}. I understand that a bank may charge the account for over draft fee, however the amount charged was excessive and not in accordance with Federal Laws. The account had only been overdrawn two days when the excessive amount of {$170.00} was debited from my account. <P/> On XX/XX/XXXX, a fraudulent transaction from XXXX was debited from my account twice yet i have not made any purchases. These two transactions are fraudulent in nature, not even XXXX has a history of these purchases.
Product: Debt collection

I have been disputing with a collection agency by the name of I C System. They have reported to all three credit bureaus stating that I owe them in the amount of {$1300.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XXXX 2019 and XXXX 2019. The company REMOVED the account from my XXXX XX/XX/2019 ; however, the company has placed the account back on my report XX/XX/XXXX. 2019. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay I C System and they have not responded to any of my correspondence. 

Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX  ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if I C System can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate in the proper time given the accounts in question .they continue to report inaccurate information and break the laws that protect my rights I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. Despite my efforts to resolve this matter directly with Experian, they have failed to correct the inaccuracies, and I believe their actionsor lack thereofconstitute a violation of my rights under the FCRA.

The details of my complaint are as follows : 1. Nature of the Inaccurate Information : [ accounts reporting with charge offs and balances being incorrect, such accounts not reporting across all three agencies, incorrect payment history,. ] 2. Attempts to Resolve the Issue : I submitted a dispute to Experian on XX/XX/year>, providing all relevant documentation, including [ e.g., account statements, letters from creditors, or other proof showing the information is inaccurate ]. However, Experian failed to conduct a proper investigation and did not correct or remove the inaccurate information within the 30-day timeframe required by law.

3. Impact of the Inaccuracy : The inaccurate information has negatively impacted my credit score, causing financial harm by [ e.g., preventing me from obtaining credit, increasing my interest rates, or damaging my reputation ].

4. Requested Resolution : I request that Experian be held accountable for their failure to comply with the FCRA. I am asking for a thorough investigation into this matter, the immediate correction or removal of the inaccurate information, and any other appropriate remedies under the law. 

I appreciate your attention to this matter and look forward to your assistance in ensuring Experian complies with FCRA