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

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 in ( MONTHS REPORTING LATE ) 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am unable to access my account when on an airplane. Every time I try, the bank requires two-factor authentication but the only options for authentication are a phone call or XXXX message. When flying, neither of these options are allowed ; I can not receive XXXX or phone calls over the airline Wi-Fi . TD could easily solve this by allowing authentication via email, or a data message ( eg, XXXX ) but they have refused despite my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XX/XX/year> Date of Birth : XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : How are you? I hope well. My name is XXXX XXXX and there is incorrect and fraudulent information reporting on my credit profile. It needs to be removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX  Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Please remove all fraud alerts immediately please and thank you. 

Please remove all outdated addresses. 

My CURRENT and Only address is XXXX XXXX XXXX XXXX XXXX, OHIO XXXX. 

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

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card or prepaid card

{$8500.00} payment made on XX/XX/XXXX, balance reduced but avaliable credit went to {$0.00} and has stayed. Contacted TD multiple times regarding when it was updated and have been told they can't tell when it will be updated. The payment cleared my bank on XX/XX/XXXX. At this point I am not sure what is going on.
Product: Credit card or prepaid card

To whomever it may concern, The excessive junk fees charged to my AMEX cards for an account that is : ( 1 ) in good standing and never missed a payment/had late payment.

( 2 ) only had payments returned because of negligence on the part of XXXX Bank. 

I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX bank said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to one of my XXXX XXXX accounts. XXXX Bank then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. 

Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge THREE FEES for a single payment, amounting to three {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. 

I am currently in XXXX, but before I left the country, I called AMEX on three separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.
Product: Credit reporting or other personal consumer reports

I filed a dispute on information on my report and never got an update about it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Permissible purposes of consumer report. ( A ) ( 2 )
Product: Credit reporting or other personal consumer reports

XXXX and Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LASTLY INCORRECT PERSONAL INFORMATION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The creditor has violated my rights under15 USC 1681sec 602 and sec. 604 ( a ) section2.
Product: Credit reporting or other personal consumer reports

I have filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXX on XX/XX/2020 under the account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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
Product: Debt collection

XXXX XXXX Bank induced me into an unconscionable and fraudulent alleged loan agreement. They have been attempting to collect an alleged debt and making extortionate threats of repossessing my private automobile if I don't pay them something I don't owe to them. I've received multiple threatening phone calls, and letters of harassment and extortionate attempts of debt collection. I've specifically spoken with a XXXX XXXX XXXX ( Customer Advocacy Response XXXX ), and a XXXX Gust Gianakis ( Vice President - Consumer Collections ), both of whom have made explicit attempts at collecting an alleged debt from me verbally over the telephone, as well as XXXX XXXX acting in a retaliatory manner in regard to my current auto accident claim process. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with a credit reporting service known as XXXX XXXX. It seems they are showing inaccurate information. Upon viewing my Transunion report on XXXX XXXX, it shows that I have a missed payment. While your payment history starts at 100 % to represent you are in otherwise good standing, it has dropped to 85 % in just a matter of a couple of months. I have checked with my credit card companies to properly ensure that I have no missed payments and in fact my credit cards ( which there are only two currently ), are still fairly new. I am not sure if this a Transunion problem, or a XXXX XXXX problem being as that XXXX XXXX is supposed to receive its information directly from the credit bureaus otherwise known as Transunion. I have filed a direct dispute with XXXX XXXX and tried contacting Transunion about this problem, however Transunion can not tell me exactly what the issue seems to be. Currently I do not have any missed payments anywhere, however XXXX XXXX says I do which I feel is incorrect. It has also brought my score down significantly.
Product: Credit card

I found about earlier this year that a transaction had been done on my Swiss Colony account. When I found out about the transaction, I was XXXX  at the time. I had started getting emails from XXXX about the account being reported as not paid. I reached out to the company while I was XXXX  and they told me to dispute the charge. I told them I had no way of filing a fraud report via ftc while I was in the XXXX. They still continued to report that I am not paying them. 
They have placed these negative remarks on my credit report stating that I am over 200 days past due. I have since filed the fraud report and had it notarized to send to the company stating that I did not make a purchase on my account nor did anyone on my household. 
This company has ruined my credit and they refuse to remove the charges off the account to even though I have done everything they asked me to do. They are holding me responsible and I have told them multiple times, I did not use the account.
Product: Debt collection

This call came from  XXXX  and  XXXX .When you call they only say " Corporate Office, how may I help you '' they do n't say the name of the company.
I spoke to two gentlemen :   XXXX   XXXX   and   XXXX   XXXX   Before my husband and I were married he accrued a debt to Kay 's Jeweler 's for a small unpaid balance. Year later, we are contacted by a debt collection agency asking for money owed. We asked them not to call, ( they were calling my phone too ), and sent them a written letter asking them to stop calling and to also not call me or his job because we had asked them not too. After the letter was sent, we had a debt collector still contact us and yell on the phone that he was coming to get the money that was owed to them and he was going to send the police to our home.
Fast forward to 2 years now, I received a call on my job and they asked to speak to the Human resources department ( whose desk is next to mine ) they told her that they were coming to serve me papers, and told her I had a debt with Kay Jewelers. She was rattled and gave me the contact information to contact them back. I called them back and they told me that they were going to serve me papers on my job and then start garnishing my check because Kay Jewelers planned to sue me. I informed them that this was pre-marital debt and this had nothing to do with me. The gentlemen informed me that he did n't care and the debt still had to be paid or they were going to serve me papers on my job and sue me.
I spoke with a legal friend and was advised that this was premarital debt and they should not be contacting me, but my husband, and I was also informed that if I had written them a no contact letter then they should not be contacting me nor my employer.
Product: Debt collection

On XX/XX/2019 My mother was contacted by a company DNF Associates? regarding further termination of working with XXXX XXXX? Stating that my PARENTS needed to verify ALL of their information, INCLUDING their social security numbers in attempt to send a notice to ME. 
First of all, my parents NOR me are associated with XXXX XXXX in any way. 
I believe they use this as a tactic to be called back. 
When contacted, the company had MY social, MY address, and MY phone number, and I have NO idea how they got me parents information. I am NOT a minor, and the debt they are claiming to try and claim, is not associated with my parents in ANY way. 
When on the phone, the guy was very rude and abrupt and stated that IF he sent ANY sort of validation, that I could not settle the debt and the attorney would take this to court. I asked was it not my right to see what they said I owed? Very rudely, he said yes, he could mail my a validation but then it was out of his hands and there was no way he could help me and I would be sued. 
In addition, to being rude, and abrupt, he has no legal right to contact my parents, as I am not a minor and he legally had ALL of MY information on file.
Product: Credit card

Between XXXX and XXXX, I applied multiple times for credit limit increases on my existing credit cards with Citi. Despite maintaining a responsible financial profile, my requests were consistently denied. The reasons provided for these denials varied each time, including explanations such as insufficient credit history or inadequate income, which did not align with my financial circumstances. 

In addition to seeking credit limit increases, I also applied for other credit card products offered by Citi during this period. These applications were similarly unsuccessful, with denials accompanied by different, often inconsistent reasons that seemed disproportionate to my financial standing. 

As an XXXX-American residing in XXXX, CA a city with a significant XXXX population the recent findings against Citi for discriminating against XXXX Americans have led me to believe that my ethnicity may have played a role in these repeated denials. Given the nature of Citi 's discriminatory practices, particularly targeting surnames ending in -ian and -yan and individuals in regions like XXXX, I am concerned that my applications were not evaluated based on financial merit alone. 

This realization has prompted me to question the integrity of the application and evaluation processes I underwent and whether they were affected by the biases identified in the CFPB 's findings. The varying and unclear reasoning behind the denials further fuels this concern.
Product: Mortgage

Shellpoint Mortgage assumed responsibility as my new loan servicing company for the first payment due in XX/XX/XXXX. I learned of an issue with my timely made XX/XX/XXXX payment when I went to make payment for XX/XX/XXXX. I immediately called Shellpoint to inquire about the issue and what occurred with the payment made in XX/XX/XXXX, at which time I was provided inconsistent information from two different representatives. Shellpoint reported my payment to the three credit bureaus as having not made a payment timely, although their records clearly show that I did make payment timely in XX/XX/XXXX. Also, in communicating with Shellpoint about this error, I was told that my payment was returned because the banking information did not match and that my banking institution returned the payment, neither of which was true. We confirmed my banking information, confirmed that I had adequate funds to cover the payment, and that the payment was made timely in XXXX. I asked for them to remove the error from the credit bureaus, had made this request more than once, called on the phone multiple times ( once with my banking institution on the line to confirm again for a second time my banking information which matched completely and to confirm that my banking institution did not return any payments ), and I submitted a detailed letter laying out the history and proof of a timely payment. I followed up because well over 30 calendar and business days have passed, and I have heard nothing. So, despite trying to get this resolved in an orderly way and being promised that I would get a response and a return call, none of this has happened. Therefore, I am filing a complaint with the CFPB to assist with rectifying this situation. I have attached my complaint letter and additional proof of the issue and my attempts to resolve it. 

As a secondary issue to note for CFPB to look into, which feels very suspicious in nature given Shellpoint 's history, Shellpoint seems to withhold additional escrow funds unnecessarily and improperly and conducts escrow reports frequently to justify their actions. I have never had this much money withhold in escrow. This issue should be looked into as well to see if other consumers have raised this issue about Shellpoint and also my escrow review and withholding that changed only when Shellpoint took over is suspicious. I have had three prior loan servicers and have never had this issue. Even the representative I was speaking to on the phone noted that this escrow review being conducted multiple times in a short period was highly unusual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a current balance of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. XXXX is reporting correctly. This is a violation of the Fair Debt Report Act. A credit report needs to reflect accurate information. This false reporting of repossession with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to update this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Bank of America Online Services provides false information regarding Inbound ACH Transfers. 

Bank Of America 's Online Banking System provides Inbound Transfer Services from other institutions. In the menu for those transactions there is information detailing the monetary limits of this transactions. And It clearly says that the inbound daily limit is XXXX ( See Attachment ). However such a transaction resulted in an error message indicating that the limit was exceeded and that I should contact Tech Support. 

After reaching out to tech support I was told contradictory information by the 6 people that took my case during a 3 hour period. Which shows uneven training on from the organization. Originally I was told that I was not exceeding the limit and that the limit must have been imposed by the other financial institution. Eventually the last representative dismissed me by telling me that the correct information was on Section 5 Subsection B of the Service Agreement ( see attachment ) which showed a daily limit of XXXX. When I challenged the notion with the information on the webpage. And the fact that I had done a similar transaction in the past. I was told that the other information shown on the same webpage was incorrect and the other tech support members who didn't inform me of this were also incorrect. And that she couldn't do anything about it. 

I had made financial decisions based on the information which unfortunately will nullified based on this incident.