23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I previously filed a complaint with CFPB Case No. XXXX, and XXXX. I received a letter from Key Bank Operations Manager XXXX XXXX, please see attached document. I placed multiple calls to her only to every time get her voice mail. She never returned my calls. Even though I feel I did n't owe the {$47.00} I paid it anyway, please see attached receipt. I paid the {$47.00} at Key Bank Branch on XXXX XXXX XXXX XXXX. XXXX XXXX, N.Y. The bank officer XXXX XXXX kept calling Key Bank home office and XXXX to report I paid the {$47.00} and to release me so I may open a checking account at another bank. XXXX XXXX became frustrated because he was n't getting anywhere and advised me to call Key Bank XXXX and ask for overdraft recovery or collections which I did. No one was able to any longer locate this account and told me to go back to the local branch. I said I was at the local branch and they told me to contact the Key Bank XXXX number. Nobody at Key bank knows how to release a customer from derogatory complaints they made against them to XXXX. Consequently I have not been able to open a checking account anywhere since last year when Key Bank closed the branch I did business with for over 20 YEARS.. I it apparent Key Bank increases their value by not closing accounts when the customer requests and not releasing customers from XXXX when the customer paid it off. Note in the letter they reported {$87.00} to XXXX when I only owed {$47.00} they claim. The operations manager admits it in her letter, never bothering to correct the amount with XXXX. We all know now how they were able to purchase First Niagara Bank. Please let me go on with my life and release me from XXXX, they got my money they did n't deserve and permanently close checking account number XXXX as it is obvious this bank does whatever it takes to gain assets. Thank you.
Product: Debt collection

Portfolio Recovery called me on XXXX. I requested they do not contact me. I submitted something in writing requesting this. I received another call on XXXX and today XXXX, again reiterating that I have requested them to cease and desist contact with me.
Product: Mortgage

Dear XXXX, I have been under review for a loan modification with Wells Fargo since XX/XX/XXXX and have sent in all requested documents. In XX/XX/XXXX I sent in by fax and mail ( what I always do ) what i thought was the last set of documents, received a letter stating they received them. A couple weeks later they sent another letter stating that documents are supposedly missing and asked if I 's still like to be under review. I asked them by phone and fax to let me know which documents were missing and they never did. I also stated that I would like to still be under review. Next thing I know they have assigned another person to my review and have started the process all over again disregarding all documents I sent in previously. They said my previous review has been kicked out of the system. I have copies of everything I sent in by fax and email and this does n't make any sense. I would like them to continue where we left off on the XXXX review and for them to let me know what was missing because they are not telling the truth. I am qualified for a loan modification or forbearance and for some reason they do n't want to approve XXXX and it has to do with an investor behind my subprime loan with a 10 year interest only ARM that a mortgage broker and Wells Fargo we trusted got us into. We had a large down payment and very high credit scores and there was no need for a subprime loan with an 10 year interest only ARM. My loan has not moved since XX/XX/XXXX. It has actually increased in amount and now due to the ARM and the payments increasing a year and half ago significantly, I owe about {$31000.00} more on the mortgage. I was not told the truth in the beginning and now they continue this way. Please help with the resolution of a loan modification or forbearance. Please. I paid my payments fine from XXXX with no problems. Then the mortgage went up almost {$700.00}. 
Thank you so much for whatever you can do to help me. 
XXXX XXXX ( XXXX ) XXXXXXXXLoan # XXXX
Product: Credit reporting or other personal consumer reports

I viewed my credit report and noticed that there are incorrect accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX  XXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am a university professor who spends each summer abroad doing research in XXXX for his next book. During the summer, I always sublet my apartment, and have my tenant forward all my email on the first of each month. My tenant last year complied with my request and sent me my mail on the XXXX XX/XX/XXXX, the XXXX XX/XX/XXXX and the XXXX of XX/XX/XXXX. 

Although I got each and every piece of mail, I never received Macy 's monthly bill ; payment for it was due on XXXX XX/XX/XXXX as I understand it. 

I returned to the US from XXXX on XXXX XX/XX/XXXX. On the XXXX XXXX I discovered that the Macy ' card had not been paid. That same day I paid the full amount ( XXXX ), thus bringing the balance to 0. 

I called Macy 's to explain the situation. They instructed me to get a letter from the Post Office. I went to the Posti Office and they told me they can not prove or disprove that Macy sent me the bill any time during the summer. I explained all this to Macy 's Credit Office, but they have been most uncooperative and refuse to reconsider my case.

For the past several years, my credit score has been well  above 800 ; due to a clerical error on the part of the Post Office, my credit rating has now dropped to XXXX. This is having a very negative impact on my family finances. I am requesting that this be corrected immediately.
Product: Debt collection

I received an alert from XXXX XXXX stating that I had received a derogatory collection account from Eastern Account Collections in CT. I immediately called the Company using the phone number provided by XXXX XXXX. The Collection Company confirmed that the account was paid in full and promised to remove the collection account from my credit report. More than a month has gone by and there has been no action to remove this derogatory account from my credit report. This account has caused my credit score to drop by 25 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from Portfolio Recovery in the amount of {$2400.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, Portfolio Recovery is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an dispute to the bureaus 30days ago about XXXX  bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX report as of last XXXX for an account that has been paid off. This dropped my XXXX score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX  credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Product: Credit reporting or other personal consumer reports

XXXX, Experian XXXX XXXX XXXX are reporting several late payments that are not correct neither consumer agency can lawfully verify any late payment because it would be a violation of my privacy rights. XXXX Account # XXXX should be updated immediately. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

BBVA facilitated negligence, permitting a 12 month no activity credit card account to be compromised. A transfer of {$600.00} permitted willingingly by BBVA financial institution to commit Fraud, allowing a foreign Philippine currency transactions of {$18.00} transactions # XXXX from unknown foreign entity labled : XXXX-XXXX  on XX/XX/2020. Company is aware of dispute yet additionally charged interest of {$5.00} on known fraudulent charges.
Product: Credit card or prepaid card

Ikea Projekt card through Comenity Bank / Bread Financial. Have been trying to make a payment for two weeks, but each time get a message saying " We're experiencing technical difficulties '' tried to use the online help, but it goes no where.
Product: Credit card

I filed a dispute with Chase XXXX about a contractor who did not and would not complete work that I paid him for. After filing the dispute, with photographic evidence, detailed descriptions of work not completed, letters from the subcontractors who were working on the job confirming the work was not done and invoices from other contractors we had to hire to complete the work, Chase XXXX still sided with the merchant on the matter. Chase sited that the merchant, with NO EVIDENCE, stated that they completed the work and I was satisfied with it, that is it. that is all they had to say to win the dispute. Needless to say, if this is the way Chase backs their customers, NO ONE should do business with Chase, ever. It is pretty much a CC with no protections for their consumers and customers.
Product: Credit reporting or other personal consumer reports

The response to my previous complaint did not resolve my issue. I complained that your website had issues that seemed to remove my scheduled payment, resulting in me getting a late payment on my credit reporting. You responded by confirming that your website had issues due to a breach, and also confirming that my payment was not processed until a month later, therefore the late payment was valid. 

So, again, your website had issues, which I had reached out to you via email about several times, including before I ever received this late payment. I was under the impression the payment was scheduled, because the website mislead me due to the error code which is presumably related to the breach. When I discovered the issue, I was able to make a manual payment, but at that point it was over 30 days late. Because you caused this, however, and because you promised there would be no penalty for any payments caused by your website issues, this is unacceptable. I would like my credit reports fixed.
Product: Debt collection

On XX/XX/XXXX I reached out to Midland Credit Management regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. 
Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. 
I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my XXXX account that was closed to suspicious illegal activity. I have not used my XXXX account since XX/XX/XXXX. 
I have never heard from this company so I do not have an account number and my XXXX account has since been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX XXXX  CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX  REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX should not be reporting to XX/XX/XXXX and Transunion that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXXagain when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX. When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXXagain and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well asXX/XX/XXXX to fix this however, I have not been successful.
Product: Debt collection

On XX/XX/20 I made a payment on NRS website as I have done previously. The total amount I agreed to pay was {$40.00} when I received my receipt the total amount charged to my card was {$46.00}. The receipt stated that there was a {$5.00} processing fee included but nowhere on their website or during the payment process does it tell you that they are charging you this fee. When I look at my payment history the totals do not include this fee or show the actually amount paid anywhere. I contacted the company and spoke with 2 people who stated that the consumer has to check a box agreeing to the fee, which is false. There is no box to check and it is not stated. Consumers can not pay multiple debts on the site at one time therefore they would be charged {$5.00} unknowingly for each payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2019 it was brought to our attention by XXXX that our bill was delinquent and that we owed {$120.00} which was promptly paid. The account was set up on direct withdrawl and the card had expired which we were never contacted. The amount was promptly paid in XX/XX/2019 with no monies owed aside from our monthly bill from that date until now. I provided the information to XXXX and XXXX  where it appeared, screenshots and account status, XXXX has removed the inaccurate reporting however XXXX replied that the account has been verified which is not possible, my account evidences this. This is keeping myself and my wife from being able to refinance our home due to the score this is hurting. I can provide statements to show the discrepancy was paid on XX/XX/2019, I can provide a copy of my account evidencing, I can also provide the proof that XXXX   removed this from my account.
Product: Vehicle loan or lease

My husband and I had a loan through Nissan Finance that does not show up on my XXXX or XXXX credit reports. It only shows up on my XXXX XXXX report. It was paid off completely XX/XX/2018 account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a certified letter to AES stating : RE : Account # XXXX Pursuant to Section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.10 ( a ) ( 1 ) ( i ) ( iv ) ( b ) and ( c ) there are requirements that must be met when informing consumers of their rights and the limits on disclosure of nonpublic personal information to nonaffiliated third parties. Your companys failure to comply with mandated laws has resulted in unlawful reporting of information to my consumer reports. 
12CFR 1016.10 states : ( a ) 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 1016.4 of this part ; ( ii ) You have provided to the consumer an opt out notice as required in 1016.7 of this part ; ( iii ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt out. 
( b ) Application of opt out to all consumers and all nonpublic personal information. 
( 1 ) You must comply with this section, regardless of whether you and the consumer have established a customer relationship.

( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer.

( c ) Partial opt out. You may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.

Furthermore, pursuant to FCRA 623 ( a ) ( 7 ) ( G ) ( i ) You must provide the notice either before you furnish the negative information or within 30 days of furnishing it. You may include the notice with a notice of default, a billing statement, or another item sent to the consumer, but you can not send it with a Truth In Lending Act notification. The notices must be clear and conspicuous. Your company has failed to comply with FCRA 623 ( a ) ( 7 ) ( G ) ( i ) as well. 

Your companys failure to comply with the laws referenced above are an egregious violation of my rights as a consumer. Promptly remove any accounts and any information associated with said accounts from any nonaffiliated third party data bases including but not limited to XXXX, XXXX and XXXX. Failure to do so will require me to seek alternative remedies. 

They sent a response letter stating they received my letter but they need more information to allow them to investigate. Both letters are attached. My letter was clear, they violated my rights and they have all the information they need.
Product: Debt collection

I have received calls and the company has left voicemails saying that I would have police come to my door if I didn't pay the debt.
Product: Checking or savings account

see attached : 1. letter sent my me to wells fargo, dated XX/XX/XXXX, DIRECTING them to remove me from any XXXX  all accounts. 

2. notice sent to me by wells fargo , received XX/XX/XXXX, stating they had updated my address for an account they have in my name. 

*** WHAT THE XXXX???? 

This is BANK FRAUD!!!! They have NO RIGHT to maintain an account IN MY NAME WITHOUT MY PERMISSION!!!