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

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment.

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.
Product: Checking or savings account

I setup XXXX to move money around XX/XX/XXXX or XXXX and put through a transaction to my nephew, who uses the same bank I do. Instead of his receiving the money right away, as advertised, it took three days. 

I called TD Customer service and was told when first setting it up, that's their policy. 

Today, Thursday, XX/XX/XXXX, I went to send money to my daughter-in-law, and found out she will not get the funds until Tuesday, XX/XX/XXXX. Making the service useless to me, and also not as advertised. 

Now, a person at the branch told me that the first transaction to a new recipient takes 3 days. That's not as advertised. Not as promised. And makes no sense at all.
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 ( Equifax ) 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.

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ) appearing on my Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year> under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Product: Debt collection

-Received collection notice on XX/XX/XXXX2023 for {$4000.00} -Debt is connected to a PayPal account that was opened fraudulently in my name -Contacted PayPal on XX/XX/XXXX23 who opened a case and put hold on account. PayPal claimed they would contact me back within 72 hours and have yet to do so -Contacted XXXX XXXX XXXX ( debt collector ) who returned debt back to PayPal XXXX 
-Filed police report with local Police Department on XX/XX/XXXX23 -Contacted PayPal on XX/XX/XXXX23 who refused to share information on who at PayPal was handing the fraud case, and turned me towards local police department for investigation. 
Contacted local police department on XX/XX/XXXX23 who said they would not investigate and no ability to contact PayPal PayPal allowed someone to open an account in my name without checking my identity or credit. PayPal then allowed banking transactions to flow in and out of the account and will not provide any detail to investigate or allow me to access their investigation teams to resolve.
Product: Debt collection

I was contacted in regards to this debt that is clearly listed in my credit report as a result of identity theft. Every time I clear it up it gets sold to anther company and they typically look at the notes and see all of the documentation and remove it. When I explained it to the debt collector, XXXX XXXX from XXXX, he told me that I could dispute it with the credit reporting agencies but that they are not like all of the others and they would not just remove it. He said that I had to do a police report, which I already have several, but that they had to prove it wasn't me through detectives/handwriting analysis, etc. I went and filed another police report and that was the extent of it. They do not utilize their resources in the manner that XXXX is requiring. When we were on the phone, I was upset because I knew that they wouldn't he threatened to hang up and send it to collections and tag my report anyway. The documentation that he sent me regarding this fraudulent account even had an alert stating that there was a substantial difference found between the inquiry address and the existing file address. In addition to that, there is no social security number listed nor confirmed on this application and XXXX was not my last name at the time of this application. The fraudulent account was opened in Texas. I have lived in the state of Pennsylvania my entire life. The account was opened with a temporary check as a deposit. There is nothing linking this account to me. I explained all of this to him and also asked him to review all of the notes, alerts, statements, and even a freeze on my credit account but he refused. Now it is back on my credit report and has dropped my score.
Product: Debt collection

There is a debt collection of my XXXX credit report that does not belong to me, and is the result of identity theft
Product: Mortgage

This is my XXXX complaint against this company since they took over my loan servicing from XXXX which was modified after a Predatory Loan Settlement was reached and the new company Shellpoint added an ilegal P.M.I coverage that was never agreed upon by me and hidden from me until I discovered they had taken money out of my property tax escrow account to add their own insurance at my expense. This company stopped sending me my monthly statements ( Emailed, or Hard Copy ) and their website only show statements from 2015 for just XXXX months nothing further. They stopped being sent to me when I filled my complaint in 2015 most likely to keep me from discovering further discrepancies on their part. I am requesting your assistance as I called Shellpoint and spoke to a customer service rep there named XXXX or XXXX as well as her supervisor XXXX XXXX who refused to send me my monthly due statements. I am asking you please get involved as I have never heard of any company refusing to send their customers statements nor allowing them to be seen on the website as well. They as well tried to tell me they do n't provide statements which is a total lie as they did before my last complaint to the XXXX.
Product: Checking or savings account

I opened a checking account on XX/XX/year> with Bank of America using the following link https : //promotions.bankofamerica.com/offers/chooseyourchecking200 I've met the requirement ( {$1500.00} direct deposit ) but never got bonus from them. 

I called them 2 times, their rep agreed I should get the bonus and submitted inquiries on my behalf, but still no progress. 

Most recently, I called them again, a rep ( based in Alabama ) checked for the responses for me, she admitted that in addition to having met the direct deposit requirement, I also was not a signer on or owner of a Bank of America personal checking account within the last 12 months. However, she said I had signed on for BOA checking bonuses in the past so they can not give the bonus to me. 

I have attached their offer term ( screenshot ) below, or you can review their still ongoing offer ( link above ), there is absolutely no such restriction such that offer is good only once life-time etc, so I believe BoA is not being honest here.
Product: Debt collection

XXXX I purchased a dishwasher from Best Buy on XXXX. It was to be delivered XXXX but because of a miscommunication with a third party delivery service it was finally delivered on XXXX, badly dented. I refused it and cancelled the purchase and credit card with Best Buy onXXXX 
The purchase was made by opening a no interest card issued by Citi card. Since I had already been billed, I contacted best buy to make sure the purchase and card were cancelled. A fellow named XXXX with the XXXX XXXX assured me that everything was closed. Then I started receiving phone calls from Citi card requesting payment, and that I as accruing late payments on a {$200.00} debt. 
When I contacted Best buy to figure out if a had this debt I was referred to Citi card, and was told that they couldn't find my account and to contact Best buy. A lady named XXXX ( XXXX XXXX  member ) finally figured out by listening that I was being scammed and didn't owe anything and the account was closed. 
The scammer calls and asks the same questions that Best buy customer service members ask, except that they push to get the first four digits of your credit card, not the last four. The accent of calls are foreign sounding and callers are male and female.
Product: Mortgage

Summary : Loancare was reporting I have a 60 day late payment for a month that was 6 months after I sold my home. I disputed it and they updated it to show that I have a 60 day late payment 14 months after I sold my home. 

I was 60 days late on my mortgage in XXXX. I decided to request deferred payment under the COVID relief tools. I then sold my home and completed the sell on XX/XX/XXXX. I used the proceeds to pay off my debts and waited a year to rebuild credit so I could apply for a new loan. In XX/XX/XXXX I applied for a new loan and found that Loancare was reporting I had a 60 day late payment for XX/XX/XXXX ( 6 months after sell of home ). I sent a formal dispute to the fax number they provided on XX/XX/XXXX. Loancare sent me a formal letter stating there was no error in their reporting. 

I proceeded to have my lender pull a fresh credit report to see if the error was corrected. We found that Loancare removed the XX/XX/XXXX 60 day late payment record but added a XX/XX/XXXX 60 day late payment ( this credit report was pulled in XX/XX/XXXX so it was for the same month as the dispute resolution letter ) I contacted a supervisor at Loancare to have them review. She told me to just go around the error and submit proof it was paid to obtain a new loan. She provided an email I could resubmit my new dispute. 

On XX/XX/XXXX I resubmitted my new dispute of the XX/XX/XXXX 60 day late payment via email and contacted my lender to see if we could get approved providing the proof that the loan was paid off. My lender contacted the underwriter manager who denied my loan due to the " recent '' late even with proof provided. 

On XX/XX/XXXX I received a letter from Loancare acknowledging that they had reported XX/XX/XXXX as a late payment and corrected it but still did not acknowledge the XX/XX/XXXX late payment. 

At this point I have too many hard credit pulls trying to get this resolved and Loancare is still no closer to resolving the " floating '' 60 day late payment. 

I started this process in XX/XX/XXXX with a goal of purchasing a home in XX/XX/XXXX so I would have adequate time to relocate before my rental lease expired. My rental lease is now expiring with XXXX and I have an option to be homeless or pay a higher premium to stay where I am at currently. Loancare 's actions are having a direct impact on my inability to find housing and having impacted my XXXX XXXX negatively with additional hard inquires. As of XXXX they will have a direct negative impact on my finances with the lease expiring and inability to have found housing timely. 

I should also note that I have disputed this will all credit bureaus and have had no success. 

My assumption is that Loancare did not properly close out my forbearance as the original " 60 day late '' was 60 days following the month my forbearance would have ended. Then, instead of figuring that out they updated it the current month of the last dispute.
Product: Checking or savings account

Hello, I opened a Huntington 25 Checking account on XX/XX/2021. 

I attached a promotion offer to my account opening for : " Get {$500.00} when you open a Huntington 25 Checking account and make cumulative deposits of at least {$15000.00} into the new checking account within 60 days. 

This offer is only available to : New checking customers. All existing Huntington checking customers, including those with any relationship ( including fiduciary ) to any other Huntington consumer checking account, or those who closed a checking account within the last six months, are not eligible. '' I have fulfilled the requirements stated and have not received the promotion as guaranteed in the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX - Partial Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Partial Account # XXXX XXXX XXXX XXXX  - Partial Account # XXXX XXXX XXXX XXXX Partial Account # XXXX has violated my rights in more ways then one. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C. 1681 section 604 A Sec 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681i states that XXXX, XXXX  & Trans Union shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0400.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

My account with " transfer wise '' was close by wise team on XXXX and it has XXXX USD in it. 
I have appeal to send me back but never received back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with XXXX. After speaking with XXXX, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My Name is XXXX XXXX XXXX I Live at XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX. Transunion, Insist on Listing My Name As : XXXX " XXXX '' XXXX XXXX This Name is Fraudulent. I Have Mailed Them ( 3 or 4 Times ) Copies of My Birth Certificate, Social Security Card and My Drivers License. Along With This Information, I Asked Them to Correct My Name. They Refuse. Please Help Me With This Matter. Thank-You, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a personal loan through XXXX XXXX. I called them on XX/XX/XXXX to get an address to send a check to payoff the account. On XX/XX/XXXX I sent the check XXXX to the address I was given over the phone. On XX/XX/XXXX it came to my attention that the loan balance had not been paid off. I contacted XX/XX/XXXX who told me that the address I sent it to was an old service provider. I was told to contact First Associates to see if they had received my check. I called and was told that they hadn't received the check. I then contacted the bank that wrote the check and received a copy of the canceled check with First Associates bank information on it dated XX/XX/XXXX. I called Loan Depot back and asked them to contact First Associates to get their funds ; I also faxed them a copy of the canceled check. On XX/XX/XXXX, XXXX  from XXXX XXXX called and told me that First Associates would not return their calls. I called First Associates again. I asked to speak with the president, XXXX XXXX, or the manager, XXXX XXXX but was denied that request. I first spoke with XXXX who repeatedly transferred my call to XXXX XXXX. Through conversations with XXXX, XXXX, and supervisor XXXX XXXX, we received several different stories of what had happened to the check. They mailed it back to the bank before they cashed it. Sometimes they cash it first. And finally they put a stop payment in and were mailing a new check. However with each story we were denied any documentation or check numbers to support the claim. Each call to resolve the issue I seem to just receive the run around.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that 3 credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this XXXX complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$270.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX XXXX : {$7500.00} XXXX XXXX XXXXXXXX Balance Owed : {$54.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian 's data breach exposed my PII to companies and individuals which has adversely affected my ability to earn a living and secure my identity from further theft and fraud. There are late payments, false accounts and inaccurate information that need to be removed immediately to prevent further harm and to reinstate compliance with federal regulations.