23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am enrolled in AutoPay with XXXX Mortgage and early in XXXX, I added a replacement bank account for the autodraft. XXXX XXXX 's website, I specifically set the new account as the default account and checked on this more than once in XXXX, way before the draft date of XX/XX/22. XXXX 's site would not allow me to delete the original account. On the draft date of XX/XX/22, they attempted to draft the mortgage payment from my original account which was depleted. My bank charged me an overdraft fee of {$35.00}. I called and talked to the XXXX web services team on XX/XX/22 and they told me that they would need to wait XXXX hours before they could make any adjustments to my draft settings in their system. On XX/XX/22 the XXXX system attempted the draft from the same original account, and due to insufficient funds, I was again charged a {$35.00} overdraft fee. On XX/XX/22 I again called and talked to the web services team multiple times to try to fix this problem and somehow in the process, my online account was deleted. I had to re-register with XXXX 's site. 

I immediately re-registered for XXXX and wanted the mortgage payment to be autodrafted from my bank account on a set date every month. It appears their system is still not working. I use this bank account for multiple autodrafts every month and never have a problem, except with XXXX. I have verified and re-verified my bank information in their system. But the autodraft is still screwed up. And in the meantime i am getting hit with late fees and credit reporting to the reporting agencies. 

Over the last two plus months I have used their message system on their website trying to resolve this and submitted the requested docs. Then all of a sudden they go silent on their message system and start with the threatening letters by mail. I have called multiple times wanting to resolve this and am told i need to speak to a supervisor. One is never available so I request that a supervisor call me so that we can resolve this. Have not received a call yet. Just threatening letters in the mail. 

I owe them 3 months payments which i am more than willing to pay, but need to get these issues resolved. 

I am requesting a phone call from somebody that can research my account history and has the power to make a decision. 

I am also requesting they drop all late charges, and reimbursement of overdraft fees from my bank. 

I am also requesting a withdrawal of any and all credit reporting to any agency that has been reported to. 

Thank you. XXXX
Product: Vehicle loan or lease

The regulatory representative from Mazda Financial Services ( MFS ) included rather crafty language in their responses to CFPB and XXXX to avoid addressing raised concerns, using formalities such as " We realize this may not be the response they desired, but we hope our above reply has resolved this matter amicably. '' I have placed phone calls from my number ( XXXX ) XXXX to Mazda Financial Services ( MFS ) at XXXX prior to raising regulatory complaints with XXXX. XXXX continues to pressure me into " fully [ discussing my ] end of lease options '' more times as a way to evade allowing me to purchase the vehicle and instead to try to sell me a new Mazda vehicle. I have indicated a clear inquiry into the third option of " [ purchasing ] the vehicle [ I am ] currently driving. '' MFS has not provided a detailed payoff quote with accompanying payoff procedures, as is owed to the customer.

Please make no mistake that additional complaint ( s ) will be raised with additional regulatory body ( ies ), including the Attorney General 's Office, if this matter is not expressly resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a letter from National Enterprise Systems stating that I owe XXXX Bank {$150.00}. I did not give authorization for National Enterprise Systems to get information they are a third party and I never received information from XXXX Bank letting me know that they were sending information to third party. When I called National Enterprise Systems to get signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off immediately.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX XXXX added XXXX  new loans to my credit report. They are now stating that I had XXXX  missed payments in XX/XX/XXXX when I have not had a missed payment ever. They even provided a statement on my credit report that customer disputes this information. They are claiming that I made a late payment in XXXX for a loan that was closed in XXXX, XXXX, XXXX then on top of that XXXX has listed a second time claiming that the very same payments were all made late in XXXX. The company is completely inept, I cant even upload my documentation to prove my income and they refused to correct the records
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for Transunion to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and I noticed inaccurate information still reporting inaccurately on my reports. I have sent multiple letters of communication to XXXX, XXXX, XXXX and Goldman Sachs with no response to my requests. On my credit report it shows Apple Card- GS Bank USA is a charge off but has a reporting balance of $ XXXX noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. I have demanded proof of debt showing my signed signature, proof of purchase, It has been over 90 days since the first initial dispute which violates FCRA section 623 ( a ) ( 3 ), which violates the law.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as XXXX  days late in XX/XX/year>, XXXX is reporting me as XXXX  days late in XX/XX/year>, and XXXX is reporting me as XXXX  days delinquent in XXXX and XXXX  days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Bank account or service

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( XXXX ). Per the terms of the promotion, I would receive XXXX XXXX XXXX AAdvantage bonus miles upon completion of {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within 60 days of account opening. A copy of the terms and conditions of the promotion is attached. 
I completed the requirements on XXXX XXXX, 2016 and messaged Citibank on XXXX XXXX, 2016 via their online live chat system to confirm that I had fulfilled the requirements to receive my XXXX AAdvantage miles. A Citibank representative confirmed that the requirements had been met and that I would receive my XXXX AAdvantage miles around XXXX XXXX, 2016, which is in accordance with their terms and conditions that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' A copy of this chat log confirming completion of the requirements is attached. 
I sent a secure message on XXXX XXXX, 2016, 94 calendar days from the date when I completed all offer requirements, to ask about when my bonus miles would be deposited. A representative replied on XXXX XXXX, 2016 that I was not eligible due to not being targeted for the promotion. The original terms and conditions of the offer contained no such language that receiving the bonus miles was contingent on being targeted. It states that the offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who received the communication, are new consumer checking customers XXXX years of age or older, and did not have a consumer checking account with Citibank at the time of applying. I met all of those requirements. 
My application was accepted with the promotional code and a Citibank representative confirmed that I met all requirements. Therefore, I expect Citibank to honor the promotion as well as their promise to deposit my bonus miles 90 days from when I completed all offer requirements ( XXXX XXXX, 2016 ). As of today, 96 calendar days have passed from the date when I completed all offer requirements, and my AAdvantage miles have still not been rewarded. It is apparent that Citibank is deceiving new customers and I advise others to not do business with them unless this can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

Chase bank emailed me on XX/XX/XXXX saying that they were going to close my account and to call them. I called them and they said they were closing the account and going to mail me a check with all of my funds ( over $ XXXX ). 
After 2 weeks I still had not received any checks so I called the bank again and they then told me that they actually never sent the checks. And now my account was under investigation and they are not going to send me anything until the investigation is over. They said the investigation can take up to 2 weeks. They can not tell me why its under investigation or give me any information until the investigation is over.

After 2 weeks I called again and they said actually its still under investigation and we do not know how long it will take.

It has now been over 3 months. They still have all of my funds. They still wont tell me why. No one can give me any information. I have no idea what is even under investigation. I just want the money that is in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the XXXX XXXX XXXX XXXX. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
========================== UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIFTH THIRD XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ====================================== XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have requested in writing on 3 different occasions to not be called at work, as I am NOT allowed to make or receive personal calls at the office. They keep calling, and left a message with my supervisor. I do not wish to be fired because of these practices and have already been warned by my supervisor to not make or receive personal calls.
Product: Debt collection

Was contacted by XXXX XXXX XXXX at phone number XXXX ( XXXX ) XXXX about about a XXXX XXXX XXXXXXXX XXXX XXXX debt. After I already paid them XXXX I contacted a lawyer and found out it was indeed a scam
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block INC ) do you to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA. Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with air resolution requirements under the electronic fund transfer act EFTA and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

A collection for {$13000.00} was reported to my Credit on XX/XX/XXXX that does not belong to me. I contacted the agency to left them know that they need to remove this from my credit profile because this debt does not belong to me and the representative proceeded to tell me that I owed the debt. I informed them that I have never signed any agreements with the company or them and they that are wrongfully reporting on my credit. They have not mailed any proof nor have they removed the information, however they tried to settle the debt with me. I am uploading the lease agreement for said debt and no where on this lease am I listed because the lease does not belong to me or any business that I own
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

In response to a Experian credit report issue, they continue to report XXXX inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XX/XX/XXXX-XX/XX/XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately. This account specifies in the payment status that I was late when I never was and the reporting history does not even reflect it it actually contradicts it. Please delete immediately. Also be advised this is new and material evidence that was suggested. You are bound by FCRA, FTC and HEA laws please follow them.
Product: Credit card or prepaid card

This is in regards to 2 disputes on the XXXX Credit card. XXXX ) I was overbilled on XX/XX/XXXX from XXXX XXXX XXXX and wrote to the credit card company on XX/XX/XXXX with a copy of the invoice showing XXXX. I was billed {$170.00}. 

XXXX ) on XX/XX/XXXX, I ordered a photo calendar from XXXX and downloaded my pictures. I received a blank photo calendar. I will billed {$32.00}. I first contacted XXXX, then wrote to my credit card company on XX/XX/XXXX. 

I've since talked with a representative at the credit card company who told me the disputes were still open although they have printed in their credit card agreement that they will resolve them within 60 days.
Product: Mortgage

I applied for a modification and was approved with payment to begin XX/XX/2022. My payment increased from {$940.00} to {$2300.00}. Since the payment raised so much I was trying to save up the payment to get it in by the last day of the month. I was on track to have the money in to my lender on XX/XX/2022, as the paperwork said I had to get it in during the month. On XX/XX/2022 hurricane Ian hit and I lost electricity, was out of work and could not access my cell phone. I then called my lender in XXXX to explain the situation and I was told to call FEMA and apply for a disaster forbearance. I just needed additional time to pay the modification because of a hurricane that was out of my control.
Product: Debt collection

I disputed the validity of a debt with Portfolio Recovery Associates. I received a letter stating the debt was valid and a credit card statement was attached. The statement was dated XXXX/XXXX/2007 with an amount owed of {$81.00}. This date is over 8 years old and the amount they claim I owe is {$470.00}. There is no explanation of the amount owed and it is over 8 years old.
Product: Debt collection

I think the payments started XXXX 2018. The amount was around {$1200.00}. I am currently set up on a payment plan repay the debt. I have inquired about a settlement to so that i can be relieved of the debt, but one is not being offered.