23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Excessive fees phone calls and messages
Product: Credit card or prepaid card

I had an American Express opened since XXXX I used this card than fraudulent case happened and I have filled for fraud and do to XXXX I can not pay the amount. I have filed a fraud case for {$21000.00} my card was stolen oversea and customer service department fraud department in American Express know this. The credit team decided to close my account while I have fraud opened i will not pay a cent until my account is opened. 

Kind regards XXXX XXXX XXXX
Product: Mortgage

The lender in question is : Mr. Cooper and the loan number is : XXXX XXXX County and the State of Texas have deemed me to be property tax exempt. The tax exemption was effective XXXX. I received the tax exempt letter in XX/XX/XXXX. I first notified Mr. Cooper of this situation and asked for them to stop withholding property tax in my escrow account on XXXX, after a phone call with the company informing me I had to submit a copy of the document ( see attached ). I make a 2nd attempt via phone call and letter on XXXX after I received no response from the first request. I called Mr. Cooper again to follow up in XXXX, and then again on XX/XX/XXXX. On this call I had a very helpful lady who said that she could see the documentation had been received and was in my file, and that she was sending a request to some department to stop withholding property tax. She said to call back in 5 business days. I called back on the afternoon of XX/XX/XXXX. Again the lady was very pleasant - I have no issues with the phone reps I dealt with. She also said that she could see the documentation in my file, but no review had been done. Then she said that due the loan balance to value ( initial loan amount ) was over 80 % their policy would not allow them to stop withholding property tax for escrow. She could not grasp the fact that I am property tax exempt - she only spouted the company line of " it's our policy ''. When is it permissible for company policy to override state law? As I am tax exempt, there is no legal basis for Mr. Cooper to continue to withhold property taxes from my monthly payment. 

Please see all attached documentation - to include copies of letters sent to Mr. Cooper, copies of the statement from the XXXX County Tax official granting the XXXX veteran 's homestead exemption making me property tax exempt, the XXXX statement from Mr. Cooper showing the total amount of property tax paid, copies of the monthly statements available for download in the their system showing that the continue to withhold property tax funds in escrow.
Product: Credit reporting or other personal consumer reports

S

ubject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( s ) in question include : * XXXX XXXXAccount Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Consumer Loan

During an extreme financial emergency, including fraud and other unexpected tragedies, we were having difficult making payments on time. Ford Motor Credit Co. called an offered to assist us by putting two payments at the end of the loan. During the call we, my husbands wheelchair had just stopped working while in the yard, and did not understand the terms of this offer, which sounded to him as though it was something to help us ( he was in the middle of trying to get his wheelchair to work ). Later we learned the interest rate not only increased substantially, but now was compounded daily, putting us much further in the rear. I called requesting assistance with the extreme added charges due to not understanding what the penalties were be, the offer was not explained in a matter that was understood. I was told to call back and that they would help, when I called back, I was denied any assistance. It took 7 years to pay off a 5 year loan. I will mail a completed report of the charges, I have requested from Ford. I believe that it was intended to defraud the consumer masked as assistance when needing it was needed the most. This should be illegal to defraud the consumer and should be addressed. We are on a fixed income in the middle of extreme hardship when, Ford called us, and took advantage of our misfortune addeding to our financial hardship.They intentionally mislead us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX
Product: Debt collection

I would Like to file a complaint on XXXX XXXX XXXX at Onemainfinancial company This person or compnay is constance harassing me. They call me as much as 5 to 10 times in one day to collect Payment that IS NOT EVEN 30 DAYS PASSED DUE I made a payment on Friday XXXX to this  company On Saturday XX/XX/XXXX there was a letter in the US MAIL from XXXX XXXX XXXX thanking me for my payment also enclosed in his letter was a message saying your payment is still past due. Just to be clear with XXXX My payments are due on the XXXX of each Month so Therefore you should have not sent out a message like that. Per the FCRA i HAVE 30 days to pay the balance before you can even think about reporting a late On my credit report. I was well In the 30 days deadline. ( I noticed in your letter dated on XX/XX/XXXX You states XX/XX/XXXX That is dead wrong per my contract my payments are due the XXXX of each Month. and I have until The XXXX Of the next before you can report any lates to either of the reporting agencies.. This company have called My Phone so many times in one day That I had to contact My phone carrier to block there Number from calling. Now I 'm getting letters each day from this company. I ask them to please stop contacting me via Phone or US mail or else I will take legal action and File a lawsuit. This is unreal Onemain will get your money stop with the Phone calls and mailing.
Product: Checking or savings account

Hello, my name is XXXX. I am writing to you because Citizen Bank of XXXX, PA in general is committing fraud against citizens. Every time you make a deposit or direct deposit, they freeze your money and tell you that they will not give it to you in 10 days because the account is under investigation without any reason. Given that, customer service is the one that makes the decision, blocking your cards so that you can not use your money. Regardless, you go to the offices and they do not force you to sign a form that states that you can not use your account 's overdraft. 

They took my money from my job and they don't want to give it back. They are supposed to give it back in 3 days if the account is closed. When you call, they say that the money is like the account is under investigation. The sheet they sent me simply says that they closed my account and that they would send me any balance online. When I call customer service, they tell me that the money will not be returned but that when they finish the investigation process, they will make the money available to the bank. I told them that the letter says something else. 

Everything they offer you when you open an account, they don't want you to use overdraft, apple wallet. 


The first office is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Husband and i purchased our first bed for our new home on fXX/XX/2020 from mattress firm, sales associate XXXX XXXX. We laid on the queen size bed at the moment husband was pleased even though we argued over king vs queen. XXXX stated we were getting the black diamond mattress. Being it was the last bed left with adjustable base. My husband was happy with this bed. The bed fit him/us and suited his needs. So i went along with purchase. When the bed was delivered. It was not covered or protected in any plastic. It was placed and they left. This is not the same bed. It cant be. The bed seems smaller. His feet is hanging off. The mattress protector had shrunken after first wash. Waisted XXXX $ there on top of the XXXX. He should have known better if he brought the same quality bed. The expectations were not good. I have not slept a goods night since XX/XX/XXXX. Nothing but back pains. The mattress lumps up, my husband fell out of bed 2 times now. His side is way lower than my side. Bed is not the same as we laid on. The bed has edges on around it? Why did he sell us a dream. The delivery didnt feel right. Now when i called to ask about trading in bed. We are told to wait 3 weeks. To give bed a try. Pandemic started in XXXX so i wasnt able to make a warranty claim until after XX/XX/XXXX. Then they say wait 120 days before making a complaint. Well being it was the last bed and XXXX claim he gave us the best bed it was the floor model and now we cant exchange and i dont feel obligated paying XXXX for an uncomfortable bed. They have had 3 sales since our purchase. We want what we paid for. This was a sham ... .we just want them to pick up bed if we can not get the mattress n frame of choice. Not to be told lies about what to expect.
Product: Credit card

I close a Capital One Account on XX/XX/XXXX On XX/XX/XXXX Capital one add {$110.00} on my Capital One XXXX 's card ending in XXXX. 
On XXXX the XXXX I call Capital One customer service and call to representative and we both went though each charge and the total came to what I owe Capital one XXXX XXXX She said ( hear say ) didn't know where the XXXX came from. 
I ask came that be remove? I was told a investigation had to be done. 
Haven't heard back.
Product: Checking or savings account

My account was put on hold on XX/XX/XXXX. I called every day asking to speak to someone on why theres a hold on my account no one speaks to me. I was given a number for an investigator of bank of America XXXX XXXX. I called him left numerous voicemails and he never returned any of my calls. I have bills that have been due for the past two weeks that are accumulating interest day by day. Everytime I call everyone Ive spoken to says they cant do anything and I am transferred to another line where Im supposed to speak with someone and every time I get transferred Im always on hold for hours without speaking to anyone this has been happening for the past two weeks and Ive called back many times to tell them about my problem but its still the same thing over and over. Me calling customer service, after that Im transferred to another line where Im hold for hours with nobody to speak to. I went to a nearest branch and still the banker I spoke told me the same thing. Prior to my account being on hold I was never contacted or told why my account was on hold or was never told the reason an hold will be on my account
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHRORIZED 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 XXXXXX/XX/XXXX
Product: Credit reporting

XXXX has over charged with their over charge in fee 's and other cost 's, that should not even be legally charged to customers. After ending my services with them they went ahead and continued to over charge in fee 's and other charges.
Product: Mortgage

I closed on my mortgage on XX/XX/2018. USAA Bank received their funds that day. I had an escrow balance of more than {$900.00}. I called after 10 days to inquire where my funds were and was told I should receive them within 20 days of closing. I inquired again today and was told they were disbursed on XXXX-18 ; not mailed, disbursed. 
Mortgage companies should not be allowed to hold my funds without paying interest for that long. The loan account is not like a checking account, all outstanding or pending debits are accounted for on the closing statement and therefore no reason to hold the account open. 

My account # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX, OH XXXX.
Product: Student loan

My loan servicer, the Pennsylvania Higher Education Authority ( PHEA ),  will not approve my request to change to an Income Driven Repayment Plan, even though I have submitted all the required documentation. They have also rejected my request to receive public service loan forgiveness credit for a 17-month period of qualifying employment, even though I have submitted the required paperwork more than once. 

On XXXX XXXX XXXX, I submitted the required forms for changing my loan repayment plan via certified mail. As required, I included a copy of my most recent federal income tax return. 

I still had n't heard anything by XXXX XXXX XXXX, so on that date, I contacted PHEA via phone. I spoke with PHEA Employee XXXX, employee ID # XXXX at approx. XXXX. ( Hawaii Standard Time ). She stated that my income-driven repayment ( IDR ) request was still pending because we receive hundreds of thousands of forms a day and two weeks was not enough time to process my IDR request. Instead, she said it would take 1-2 months or 1-2 billing cycles in order to process the request. This surprised me. I told her that she had not been helpful, but that it did n't sound like she could be helpful, and then I ended the conversation. 

The very next day, PHEA sent me a letter stating that they could not process my IDR request because they had not received a copy of my federal income tax return. Because I actually had submitted a copy of my income tax return, their stated reason did n't seem credible. Rather, it seemed like a reprisal for complaining about slow processing time. 

I have another, separate problem with PHEA. I was employed as a XXXX XXXX for the XXXX XXXX XXXX for a 17-month period in 2013-2014. This counts as qualifying employment for loan forgiveness purposes. Accordingly, I submitted the required forms, signed by my previous employer, in order to receive credit for this period of public service. PHEA continues to reject my application for service credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My credit reports from XXXX, XXXX, and Experian have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

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

Talked with a XXXX representative in XX/XX/XXXX about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my TransUnion Credit Report after 10 years. The XXXX rep. assured me at that time the matter would be investigated and removed. In XX/XX/XXXX I received a latter from XXXX dated XX/XX/XXXX stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and TransUnion ) to remove the reference to Chapter 13 bankruptcy on your credit profile. '' However, TransUnion has failed to comply. I have certainly spoken with both a TransUnion Rep. and XXXX rep. on XX/XX/XXXX about this matter. XXXX instructed me to take this matter up with TransUnion and TransUnion has instructed me to take this up with XXXX.
Product: Checking or savings account

My bank moves my charges around to charge excessive fees. Many times they will move pending charges and keep only the smaller fees pending to charge multiple fees. Also company allowing unauthorized debit of XXXX. And it caused many fees. They will lot reimburse these fees even though its determined to be unauthorized. The fees are very excessive totaling over XXXX in the last few months
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear XXXX Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX