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

I opened a Checking account # XXXX and Savings account # XXXX with Citizen 's Bank and I have been doing all my transactions online or using debit card over the course of 2 years. I never received emails, text messages, or phone calls from Citizen Bank regarding my account balance and I have been responsible and current in all my banking transactions. On XXXX XXXX, 2016 I received a letter dated XXXX/XXXX/2016 from Citizens bank indicating that my account was overdrawn by {$180.00} urging me to make a deposit. I looked online to see why I was assessed an overdraft charge, assuming a fraudulent activity had occurred to make my account balance excessively overdue. It showed that my account was overdrawn by {$25.00}. The bank charged an overdraft fee, and then XXXX additional sustained overdraft fees within 5 days of the initial overdraft charge, without notifying me of the first overdraft charge or giving me the opportunity to rectify the matter. Another deposit and charge was automatically debited to my checking account two weeks later which then triggered another overdraft fee. A total of {$160.00} was charged to my account without letting me know by phone, text message, or email that my account was overdrawn. I visited a branch and was told that my account is only eligible for a one time overdraft reversal so the initial overdraft fee no longer applied and I just have to pay the 2nd overdraft fee and XXXX sustained overdrafts ( {$120.00} total ) to bring my account current. If the bank had informed me of the original overdraft right away, I would not have had to to pay any overdraft or sustained overdraft fees, but the bank did not call, text message or email me and kept charging sustained overdraft fees over and over again within a period of 5 days. The only letter I received is dated XXXX XXXX, and arrived on XXXX XXXX, 2016 ( 3 weeks after the initial overdraft charge ) which did not allow me the proper time or consideration to rectify my account before all the sustained overdraft fees occurred. I feel victimized as a result of the banks improper notification procedures. I also feel that the overdraft charges and sustained overdraft charges were excessive considering my previous flawless record and history of banking with Citizen 's Bank.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Ally Financial [ Address for Ally Financial Customer Service or Legal Department ] Subject : Request for Clarification and Formal Dispute Regarding Loan Assignment and Repossession To Whom It May Concern, My name is XXXX XXXX, and I am writing in connection with my auto loan for a XXXX XXXX XXXX Sportback ( VIN : XXXX ). This vehicle was repossessed on XX/XX/XXXX, by XXXX XXXX, XXXX, the dealership where I originally purchased the car. I am seeking clarification regarding the circumstances of this repossession and the potential return or reassignment of my loan to the dealership. 

I have maintained current payments on my loans with both Ally Financial and XXXX XXXX XXXX XXXX XXXX. While my loan with Ally did experience a slight delay, I can provide proof that it never reached repossession status. Despite this, XXXX XXXX, XXXX repossessed my vehicle without proper justification. I believe this action was taken based on an improper return or reassignment of my loan. 

My Requests : XXXX. Confirmation of XXXX XXXX : Please confirm whether my account with Ally Financial was ever in repossession status as of XX/XX/XXXX. 
If it was not, please explain why this loan was reassigned or sold back to XXXX XXXX, XXXX. 
XXXX. Documentation Regarding Loan Assignment : If the loan was returned or reassigned to the dealership, please provide : The date of the reassignment. 
The specific reason or clause invoked to justify this reassignment. 
XXXX. Reversal of Repossession : If the repossession was improper, I request that Ally Financial assist in rectifying the situation by coordinating the immediate return of my vehicle. 

I believe my rights under both state and federal laws may have been violated, as I have not breached the terms of my agreement in a manner that justifies repossession or reassignment. If I do not receive a satisfactory response within XXXX business days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Please contact me at ( XXXX ) XXXX or XXXX if you require additional information or supporting documentation. I look forward to your prompt response to resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account 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 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.

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, credit repair services, or other personal consumer reports

Original I sent this to the CFPB : On XX/XX/XXXX XXXX XXXX was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. XXXX XXXX never responded to my letter. XXXX XXXX was stating that I owe XXXX. After the letter was sent, I checked my credit report onXX/XX/XXXXand the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today XX/XX/XXXX XXXX  XXXX jumped the loan amount back to {$50000.00}. Experian responded : Thank you for submitting your complaint on XX/XX/XXXX  through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB  portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX  Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. This is quite concerning knowing that Experian is not doing their job with handling complaints and lying saying they have n't received information from me. Attached are the documentations proving that I 've sent in the information verifying my identity. I also called Experian and verified that they received my information to which the representative told me yes and my new information was updated on my credit profile. I will also include a copy of my report with my updated address on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance Fair Credit Reporting Act XXXX XXXX XXXX account reference number XXXX has violated my rights. 
15 U.S.C 1681section 602. A. states I have the right to privacy.

15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to dispute the necessary steps to rectify this issue. If isn't completed within 10 days, I'll file a complaint with the FTC. You must respond within 15 days, as required by law, to avoid violation. Failure to comply may result in fines of up to {$1000.00}. Please remove the inaccurate information reported for XXXX XXXX  XXXX within 10 days to prevent further escalation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Access to My Credit Score and Report To Whom It May Concern, I am writing to request immediate access to my credit score and full credit report, as I have been unable to view this information. Under the Fair Credit Reporting Act ( FCRA ), I understand that I am entitled to access my credit report and related information to monitor my financial standing. 
Despite my efforts, I have been unable to obtain or view my credit score through [ specific source, if applicable ]. I kindly ask that you investigate this issue and provide me with access to my credit information immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 or other personal consumer reports

I am sending correspondence to make a complaint against the adverse credit reporting from Midland Credit Managment, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX for the consumer account opened on XXXX. Pursuant to the Consumer Credit Protection Act under TITLE VICONSUMER CREDIT REPORTING, Sec. 603. [ 15 U.S.C. 1681a ] The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. According to Sec. 604. [ 15 U.S.C. 1681b ] ( a ) of the Consumer credit protection actSubject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Product: Checking or savings account

Wells Fargo opened three different accounts in my name in XXXX. I only had two ( checking & savings ), but three were opened. I lost a total of {$3300.00}. I've been complaining to them from the moment I found out about those accounts. Over the years, Wells Fargo has reimbursed {$1200.00}. I'm still waiting on the balance to be paid.
Product: Mortgage

BMO Bank from XXXX acquired Bank of the West, with whom we had a perfect track record of we make payments and they sent monthly statements. 

Since the acquisition of Bank of the West, BMO Bank assigned a new loan number XXXX but has failed to send us any monthly statements. SinceXX/XX/2023. We have dutifully made payments at the Branch office, we have records of those payments, but BMO refuses to send us monthly statements and today we received a notice of Breach -- our Breach??? 

I went to the XXXX, CA Branch on XXXX, seeking our overdue monthly statements. They could not provide them, after much consultation with BMO office. I went to the XXXX branch on XX/XX/XXXX. They still could not print or acquire any present or past ( long overdue ) monthly statements. 

I want BMO to immediately cure their BREACH by providing all past statements that reflect all of our payments. We think they are possibly criminals masquerading as bank officials. Loan sharks who want to steal our property or invent reasons to quit servicing our loan and wrongfully demand fees and forfeitures.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information regarding the XXXX account ( Account # XXXX ) that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate, complete, and verifiable. Upon reviewing this account, I have identified multiple discrepancies that require immediate investigation and correction. 

Details of Discrepancies 1. Incomplete Reporting Across Credit Bureaus : The account is reported only to TransUnion, with no information appearing on XXXX or XXXX. This inconsistency raises questions about the accuracy and completeness of the reporting process. 
Action Requested : Verify whether this account should be reported to all three bureaus or remove the account if it can not be validated.

2. Missing Payment History : TransUnions report does not include any payment history for this account, despite showing a last payment date of XX/XX/XXXX. Payment history is an essential component of accurate reporting and should reflect all payments made ( or missed ). 
Action Requested : Verify and provide a complete payment history for this account or confirm if no payments were ever made.

3. Credit Limit Listed as {$0.00} : The credit limit for this account is reported as {$0.00}, which is highly unusual for a lease or personal loan account. The credit limit should reflect the loan amount or lease value.

Action Requested : Update the credit limit to accurately reflect the original loan or lease terms.

4. Term Length and Charge-Off Timeline : The account was opened on XX/XX/XXXX, with a term length of 12 months, yet it was charged off by XX/XX/XXXX. This accelerated charge-off timeline raises concerns about whether proper notice or grace periods were followed before the account was closed. 
Action Requested : Verify the timeline for delinquency and charge-off to ensure compliance with industry standards and creditor policies. 
5. Balance Owed vs. Past Due Amount : The balance owed is listed as {$610.00}, while the past due amount is reported as {$550.00}, with no explanation for the discrepancy.

Action Requested : Confirm and clarify the discrepancy between the balance owed and the past due amount. Provide supporting documentation.

Requested Actions I respectfully request that you : 1. Investigate and verify the accuracy of the discrepancies outlined above.

2. Update my credit report to reflect accurate and complete information or remove this account if the creditor can not provide sufficient documentation to validate the data.

3. Provide me with a corrected credit report after your investigation.

4. Notify me of the results of your investigation within 30 days as required by law.

I have attatched a copy of my identification, proof of address, and the relevant section of my credit report for your reference. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received another statement from Mortgage Company that wasn't belong to us. Old account is part of Bankcruptcy recording..
Product: Debt collection

Debt collector keep calling asking me to verify home address and last four digits of social security number. Debt is over 15 years old and not even on my credit report. Have told them numerous times to not contact me any further!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a car loan for a XXXX XXXX XXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXX XXXX pl XXXX, Tx XXXX Account : XXXX XXXX
Product: Credit card or prepaid card

bought a tv from conn 's XXXX XXXX in XXXX nc around XX/XX/XXXX XXXX it hasnt been 30 days XXXX the item is already having issues. i tried to fix this with the store XXXX headquarters. the store is not willing to refund me the money right now
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has gone over the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " delete all information that can not be verified. '' I need your help. Thank you.
Product: Checking or savings account

I have a business checking account at Bank 0f America which was opened in XX/XX/XXXX. As a business owner of XXXX XXXX XXXX XXXX I have clients with established history of monthly payments to my business, in which I make frequent monthly deposits into the account. I made a deposit on XX/XX/XXXX from one of my clients, that I make monthly deposits from. A hold was put on the funds even though, there was never a problem with checks from this individual. This resulted in my business account being overdrawn, and two fees of {$35.00} each was charged to my account.

I called on XX/XX/XXXX to get the funds released, and the Agent was a bit surprised, and said he did not know why the funds were put on hold, and released the funds.

I asked to have the fees in the amount of {$70.00} credited to my account, it was done. However, it was added again to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


I have also Filed a claim with the federal Courts and Served Equifax, They have yet to respond its been over 10 days since being served
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this account not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX  # XXXX Date Opened : XX/XX/XXXX Balance : {$46000.00}
Product: Student loan

I was supposed to have 4 continuous years of student loan. They were processed as yearly. The fourth year was supposed to be exactly as the previous ones. In XXXX received a bill for interest only. I called and told it was a mistake and the payment was to be deferred and to ignore the bill. This happened again in XXXX and XXXX. I kept getting told it was deferred because the student was still in school. After countless trips to the bank and phone calls I was told that I was supposed to being paying the interest. Now my credit score has been negatively. My score hovered around XXXX and is now around XXXX with delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

________________________________________ XXXX EQUIFAX/ XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ...

THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.