23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My rental company ( XXXX XXXX ) is saying that I paid rent late on XX/XX/XXXX. I was moving out that month and had a prorated amount of {$530.00} due in XXXX. On XX/XX/XXXX, the day rent was due, I went online to the portal and paid. I found a couple days later that I had a demand for rent letter on my door and a late fee for {$120.00}. 

I contacted the property on Saturday and talked to an employee named XXXX. I told him that I had indeed paid my rent on time, as you can see every other payment was on time, but that the portal must have been down/broken. He did acknowledge that the portal had been down that day and said that other residents had called in about that problem as well. He said I did not have to pay the late fee and to reach out to the property manager as well I then followed up with XXXX XXXX, who was the Assistant property manager at the time, and she confirmed that I did pay on time and the notice was just in case I didn't move on our agreed date, XX/XX/XXXX. 

I should not have a Late fee for XX/XX/XXXX rent. I did pay my rent on XX/XX/XXXX, and the property acknowledged the fault had been on their end and that I would not owe any additional money.
Product: Checking or savings account

On XXXX XXXX, my savings account with XXXX  was suddenly locked without any prior notice or explanation. This has caused me significant inconvenience and concern.

Actions Taken : I contacted XXXX  customer service immediately after discovering the issue. 
The representative informed me that no process could move forward at this time and that I would need to wait for 2 to 3 weeks for any updates. 
Concerns : I have reviewed online feedback from other customers, which suggests that this waiting period often leads to no meaningful resolution. This has further heightened my concerns about the handling of this matter.

Request : I urgently request XXXX  to : Provide a clear explanation for why my account was locked. 
Specify any information or documentation required from me to resolve this issue. 
Expedite the resolution process and avoid indefinite delays. 
It is not acceptable to lock a customers account and leave them waiting without a clear path forward.
Product: Money transfer, virtual currency, or money service

{$500.00} was sent to the wrong person at one point. I never was able to get that money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Product: Student loan

On XX/XX/18, I completely paid off my student loans. XXXX ( XXXX ) has yet to put my payment paid in full, except for two of the loans. Stop dragging your feet and send me my letter. We are done!!

If I am not completely severed from your company within one more week, I am filing the biggest lawsuit against you!!!! 

Enough is enough!!!! It's been over a month XXXX XXXX XXXX  XXXX!!! 

I want this account closed!!!! Now!!!!!!! 

You have been paid in full now stop this and show I am paid in full!!!!! 

My patience is wearing extremely thin.
Product: Debt collection

I do not know what this is I am requesting documentation that I owe this debt. I do not know who this company is. I am requesting a contract baring my signature and any other documentation saying that I open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX I went into my credit karma account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS. 

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was XXXX XXXX in XXXX and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with XXXX XXXX after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault. 

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXXXXXX XXXX XXXX XXXX and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact XXXX XXXX, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.
Product: Debt collection

This debt was placed for collection on my credit report. I never received communication from the company or collection agency. I became aware of the debt through my credit report and was not aware of either business. I filed disputes to remove the information from my report. I contacted the collection agency to obtain the documents. The documents held multiple handwriting samples. The information was not completely accurate. I have been victim of multiple data breeches. The documents do not hold my signature. I was not sure what to really do about it. I keep filing disputes on XXXX. XX/XX/2019 two collection accounts now appear for different amounts from the same company. I research find the FTC. I file a report with the FTC and follow the instructions. I have now had other issues affecting my accounts not just McNeil and Meyers. My first contact with McNeil and Meyers was good. I was advised to file a police report. I attempted to file the police report and the officer was not very helpful. I called and spoke with a different office the police officer spoke to and was treated unkindly. The representative XXXX XXXX would threaten me knowing I filed a police report for Identity theft - it is a felony and I only have to call the officer and let him know. It is not my signature on the document. XXXX XXXX would later agree it is not my signature ; want me to commit fraud by paying {$1200.00} and she would write it up I paid over {$3000.00} so I could sue the individual who signed the document. I had until XXXX to pay or she would send it to processing. They would review my assets and go after my house. I called back on XX/XX/XXXX at noon. I would not do this. XXXX XXXX was very angry and became more threatening to me on the phone. She would hang up. Before she did I would request information she stated she had and she denied giving it to me. I stated it was my right to have a copy of this and she stated I would see it when it was in processing. I called back and she put her supervisor on the phone. I told him about what she wanted me to do. The supervisor told me it would not ever come off my credit report and never call them again. 
I recorded all phone calls with McNeil and Meyers to demonstrate the accuracy of what was actually stated.
Product: Checking or savings account

Subject : Complaint Against Chase Bank for Account Closure Without Explanation Dear CFPB, I am writing to formally file a complaint against Chase Bank regarding the unexpected closure of my bank account without any prior notice or explanation.

I discovered my account closed without notification from Chase. I've not received any communication explaining the reason for this action, nor have I been provided with an opportunity to address any issues that may have led to the closure. 
The lack of communication and transparency is concerning, as it has caused me significant inconvenience and disruption to my financial activities. I rely on my account for my daily transactions, and the sudden closure left me without access to my funds. 
I attempted to contact Chase 's customer service to seek clarification, but I have not received a satisfactory response. I have the right to understand the reasons behind such actions and to have my concerns addressed in a timely manner.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Chase Bank adheres to fair banking practices and provides clear communication to its customers regarding account management. 
Thank you for your time
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Bank of America regarding their failure to respond to my dispute. On XX/XX/2023, I mailed a dispute letter to Bank of America, addressing inaccuracies they are furnishing to the credit bureaus. Despite the statutory requirement for furnishers to investigate consumer disputes and provide a response within 30 days of receiving the dispute, I have not received any communication from Bank of America regarding the outcome of their investigation. 

As per the Fair Credit Reporting Act ( FCRA ), it is imperative for furnishers like Bank of America to promptly address consumer disputes to ensure the accuracy of credit information. However, Bank of America has failed to fulfill their obligations under the FCRA by not responding to my dispute within the stipulated timeframe. 

I am including a copy of my dispute letter sent to Bank of America to demonstrate the efforts I have made to resolve the errors on my credit report. Despite my attempts to engage with them, Bank of America has not provided any response or taken appropriate action.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was completely blindsided by seeing inaccurate accounts listed. Ive been diligent about checking my report, and this time, I was confronted with errors that seemed to appear out of nowhere. I even tried refreshing the browser, thinking it might be a glitch, but the errors remained. Im requesting a careful review of the documents Ive sent so this wont be a concern for me anymore.
Product: Vehicle loan or lease

I was charged a higher interest rate than others.Not sure why despite my credit score being the good category
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report these remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

IBERIABANK Accountnumber XXXX .... failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all  notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, IBERIABANK " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and  the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) IBERIABANK failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve IBERIABANK is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX. ) citing XXXX XXXX XXXX XXXX XXXX XXXX ( TXXXX XXXX XXXX XXXX XXXX XXXX. )
Product: Credit card or prepaid card

I was issued a Credit card by Steinmart with a limit of {$750.00} they upped it to {$1700.00} we paid {$250.00} on the balance which was above the minimum on a balance of {$650.00} and again paid another {$100.00} to bring balance down. Then the next we got a letter reducing credit limit to {$670.00} from {$1700.00} making my usage go fro 30 % to 98 % and reported that to XXXX XXXX which dropped my credit score from XXXX to XXXX because I paid too much of my balance. This is a crime! If I cancel the card it will further impact my score. I DID NOTHING WRONG! This a a bank that need to have a class action law suite brought against them for fraud!
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet Chexsytems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsytems and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

15th complaint today same issue and a variety of absurd explanations that make absolutely no sense and have nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2020 I have been trying to dispute false inquiries on my Trans Union. Trans Union refuses to start a dispute which is a violation of my rights They never started the dispute They never updated the dispute They never gave me any results from the dispute it is now been two calendar years fighting the same 15 false inquiries Even after multiple CFPB complaints
Product: Mortgage

Today @ XXXX, I called Mr. Cooper . I spoke with XXXX and I requested to make payment of {$400.00} today. I told her I would call in to make additional payments. She placed me on hold stating that she had to speak with her supervisor. 
After holding, XXXX ( Mr. Cooper ) came on the phone. He stated that payments could not accepted as I would need to set up 5 payments now. I told him that I could not do that today and that I can set up 2 payments for today. He stated that 5 payments would have to be made by Monday XX/XX/XXXX. I told him I could not do that. He asked, Maam do you want your house to go into foreclosure ...? I asked him if he was trying to instill fear in me by threatening me with foreclosure. XXXX stated that a demand letter was sent on XX/XX/XXXX. I informed him I did not receive a demand letter. XXXX stated that a total of {$3400.00} would have to be made by XX/XX/XXXX and he will not accept any payment. I asked him to identify himself. He stated that he is the Foreclosure Loss Litigation Specialist. XXXX mentioned a demand letter was sent on XX/XX/XXXX, I informed him that I did not receive a demand letter on both dates he mentioned.
Product: Credit reporting or other personal consumer reports

My file is merged with another XXXX XXXX XXXX social XXXX. I have provided proof of this as well as my Social Security Card, Drivers License, Utility Bill, Police Report, FTC report and a letter from the creditor stating this accounts should not be reporting under my information. The creditor in question XXXX XXXX stated that they have attempted to correct the issue with Equifax and was told by Equifax that the information was NOT being reported under my social and clearly it is. 

Secondly There is an XXXX XXXX account that has NOT updated on my report since XX/XX/year>. XXXX months ago. I have asked to have this updated and it is still not been done. The balance is significantly lower than in XX/XX/year> by XXXX % this is causing a dramatic drop in my XXXX score and is also inaccurate. They have ignored this request. 


They have ignored me and FCRA law. This is unacceptable.
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 : DPT EDXXXX Account number : XXXX Account name : DPT ED/XXXX Account number : XXXX Account name : DPT EDXXXX Account number : XXXX Account name : DPT EDXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Inquiries : 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 XXXXXX/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, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Equifax to have some hard inquiries remove that I did not authorize Equifax told me to call the creditors so I proceeded to call the creditors they told me to call Equifax so I contact Equifax second Time Equifax They told me to give a police report so I got a police report and all of the supporting documents and fax them in on XX/XX/2020 I never got a response I called to talk to a representative and they told me that they receive my police report and all my documents These are the Fraudulent hard inquiries XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX