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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX. 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 those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 applied for installment loan with Advance America Center, in ohio. I was told my applications was " denied by XXXX. '' It was further communicated that the denial is as a result that " because could not validate my [ legal ] name at POS [ point of sale ] it would not pass Advance America 's MLA validation. '' I am not a military service person and have never served in any branch of the military and my name is what it is. It was further communicated that " in order to be approved for an installment loan a customer must pass MLA validation. '' [ however, from my interpretation of the law, that is not the way the Ohio law reads ]. Additionally, communication states that " if the lending center updates the POS [ point of sale ] to be a valid name [ meaning name other than my legal name and usage ] the customer should pass MLA validation and no longer be denied. '' I spoke w/a XXXX representative on XX/XX/2019, who says that my name is not listed w/MLA and don't know why it should or would be since I have no military status or service. Initially, Advance America claimed to have gotten this information from XXXX and XXXX. I spoke w/representatives from XXXX and XXXX   who both says, " not so. '' and is sending me a copy of my credit report. [ updated from 4 years ago ]. 

Now Advance America is denying me an installment loan because my name is not what they say it should be. 

I have been a customer w/Advance, off and on, for almost 15 years and used no other name than my legal name. Now they tell me they will approve me for a loan " only '' if I apply using an illegal name. I have no outstanding accounts wi/Advance America. 

I feel this denial is discriminatory, suspect and unjust and blatantly a scapegoat for someone's negligence. I explained that all people make mistakes and i'm not upset about that, i'm upset that no one wants to correct it, but spend more time talking attitudinal with me about my name. 

I want to know what recourse I have to get this corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had got a car from Jd by Ryder and the company that handles the loan is CNAC, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. CNAC has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX XXXX  XXXX, and that I Voluntarily surrendered it in XXXX XXXX  XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX XXXX  XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX XXXX  XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. CNAC has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also CNAC is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, XXXX, XXXX and XXXX but of course CNAC is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.
Product: Checking or savings account

I have now, for the second time, made a transfer of funds from my high interest savings account with Goldman Sachs to another financial institution and they have reversed the transaction without approval or consent from me both times. They are not releasing my funds as instructed, and cited insufficient funds the first and second time, while the amount requested by me to be transfer was in my account ( plus some ) and not at all accurate on either occasion. 

At this point I have called them twice about this, have done an authorization phone call with both financial institutions on the line, and they still are not releasing my funds to me as requested and costing me now 2 weeks of interest at a 1 % interest rate difference that I have now lost due to this.
Product: Debt collection

Complaint Regarding Unlawful Reporting of Collection and Charge-Off Account by XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint against XXXX XXXX  and any third-party debt XXXX associated with reporting a charged-off account and/or collections on my consumer credit reports in a manner I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account in Question : * Creditor Name : XXXX XXXX * Original Account Number ( last XXXX digits ) : XXXX * Date of Charge-Off/Collection : XX/XX/year> * Credit Reporting Agencies Impacted : XXXX XXXX XXXX  Alleged XXXX : XXXX. Failure to Provide Accurate and Verifiable Information ( FCRA, 15 U.S. Code 1681i & 1681s-2 ) Under the FCRA, XXXX of information ( including XXXX XXXX  ) must ensure the accuracy and completeness of any information they report to consumer reporting agencies. I have disputed this account directly with the credit bureaus, and no verifiable documentation was provided. Continuing to report unverifiable, outdated, or inaccurate information is a clear violation of 1681s-2 ( b ). 
XXXX. Re-Aging of Debt ( FCRA Violation ) If the date of first delinquency has been altered to make the debt appear more recent than it is, this constitutes re-aginga deceptive practice that violates FCRA reporting rules, particularly the seven-year reporting limit under 1681c ( a ) ( 4 ).

3. Failure to Validate the Debt ( FDCPA, 15 U.S. Code 1692g ) If this debt has been placed with or sold to a third-party collector, I have the right to request a full validation of the debt. If such request was ignored or incomplete, the debt should not be reported or collected upon. 
XXXX. Continued Reporting of a Charged-Off Account with a Balance ( FCRA & FDCPA ) A charged-off account should not continue to accrue interest or reflect an active balance if sold to another entity. Any such reporting is misleading and constitutes inaccurate representation under both FCRA and FDCPA provisions. 

Requested Action : I respectfully request that the CFPB investigate these matters and instruct XXXX XXXX and any associated data furnishers to : * Remove the XXXX XXXX account from all consumer credit reports. 
* Cease and desist from further reporting or collecting on this debt unless full validation is provided and all FCRA/FDCPA requirements are met. 
* Provide written confirmation of the results of your investigation. 
Please consider this a formal complaint and request for relief. I have attached supporting documents, including my credit reports and previous dispute attempts. 
Thank you for your attention and for helping to ensure that creditors and XXXX adhere to consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Payday loan, title loan, personal loan, or advance loan

I was coerced by a scammer to apply for a personal loan from DCU. The entire money was wired to the scammer. I filed a report with fbi as i was duped. I called the bank and informed that this a bad loan. But they are refusing to remove my name as the primary borrower,
Product: Mortgage

Bank of America is still not crediting my principal only payments to the principal remaining on the loan balance. Instead they are applying it to future payments ( and interest ) despite my insistence not to, and their policy not allowing this. I have previously submitted a complaint to CFPB regarding this matter ( case number XXXX ). Despite my efforts BoA continues to violate their written policy regarding application payments, and is in violation of the XXXX XXXX XXXX ( c ), failure to credit a consumer 's periodic payment as of the date received. These payments are instead being used to satisfy future payments - as of my XX/XX/XXXX statement, I am now paid ahead until XX/XX/XXXX - ( approximately {$1600.00} in advance interest payments ). 

I pay my mortgage twice per month. The second payment on the XX/XX/XXXX of the month is supposed to be a principal only payment. I have contacted Bank of America regarding this issue on numerous occasions. Resolution specialist XXXX, replied to the last complaint submitted and corrected payments. Furthermore, in his letter he assured me that if I wanted to pay in advance I would have to submit a letter in writing specifying this desire. 

All mid month payments ( extra payments ) are to be applied to the PRINCIPAL balance of the loan.
Product: Mortgage

I am requesting a one-time 30 day courtesy foreclosure postponement, for the reason that the I was advised I was unable to use my husband 's income, XXXX XXXX XXXX, as a source of income. 

Chase failed to : Ask for my ( husband/contributor ) XXXX XXXX, income documentation. 
Did not request a non-borrower contribution form. 
Did not request for proof of occupancy from the contributor/husband. 
Did not ask for his tax returns or a 4506-T I've faxed in a completed application for a loan modification and/or a repayment plan agreement. 
I am requesting that my family and I be granted a one time foreclosure exception request in order to review our application and forward to the Loss Mitigation department, in order for the account to be assigned to a case manager and forwarded to a team member within Chase 's Underwriting team. 

This account has never been granted a foreclosure postponement in the past. 
I was denied the opportunity apply and use my husbands source of income. 
This account has not been reviewed in the past for a short sale/DIL review, in the event the account is not eligible for retention option. 

Documents Attached to the fax sent to Chase are as follows : Foreclosure Postponement Request Complete Loan Modification and/or Repayment plan application. 
Non-Borrowing Contribution Form ( husband ) 4506T for Note holder 4506T for Non-Borrowing ( husband ) 2018 1099 for Non-Borrowing ( husband ) 3 to 4 month Profit and Loss for Non-Borrowing XXXX husband ) 5 most recent consecutive check stubs from employer for Non-Borrowing ( husband ) Social Security Award Letter for Note holder 1 Bank Statement Cycle reflecting proof of SSI deposit for Note holder 4 Bank Statement Cycles reflecting proof of employment deposit for Non-Borrowing ( husband )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to Equifax and XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Equifax : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DOE XXXX XXXX Balance : {$0.00} 10. DOE XXXX XXXX Balance : {$0.00} XXXX : 1. DPT EDXXXX XXXX Balance : {$0.00} 2. DPT EDXXXX XXXX Balance : {$0.00} 3. DPT EDXXXX XXXX Balance : {$0.00} 4. DPT EDXXXX XXXX Balance : {$0.00} 5. DPT EDXXXX XXXX Balance : {$0.00} 6. DPT EDXXXX XXXX Balance : {$0.00} 7. DPT EDXXXX XXXX Balance : {$0.00} 8. DPT EDXXXX XXXX Balance : {$0.00} 9. DPT EDXXXX XXXX Balance : {$0.00} XXXX0. DPT EDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. XXXX XXXX XXXX Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

One XX/XX/2019 I was sent a check from an Insurance company. I had been in Contact with XXXX XXXX ( if that was his real name ) I was issued a check for {$2100.00}. I was asked to deposited it into my account ( I had Bank of America at the time ) Which I did via my mobile device. Later I notice their was a spot on the back of the check that states " please check if it is a mobile deposit '' which I never marked, those making my deposit invalid. Bank of America still cleared the check the next day. I have never had Check that large clear so fast. I had left the country so I did not have time to ask why. Late that day I was asked to use XXXX  which is promoted through the Bank of America Mobile App to transfer the money. Not thinking anything of it and I did not want to get in trouble for depositing a check for that amount I did. XXXX to XXXX ( XXXX ) who has an account with XXXX XXXX. He was suppose to be the tech to place the decal on my car. They claimed to not receive the money and ask me to send another XXXX. I told them know I sent the money and I wanted to wait to see what would happen with the " missing '' XXXX. I still had some money left over from the initial deposit so they asked me to send another {$500.00} through XXXX again to a XXXX account. Once again In my mind it wasn't my money so I did not want to get in trouble for fraud. The Money was in my account for 4 Business Days. On the 4th Business Day The XXXX check bounced and now I was severely overdrawn. When I got back in the country I called Bank of America, the department I needed was not open until Monday. I called first the first thing Monday morning on XX/XX/19. Bank of America passed me around to 4 departments before I got to the correct person. They were able to see the transfers and what banks they went through. They opened a claim and told me it would take 10 business days. I waited patiently. I called back the they said they could not get the funds back and the claim was closed.

1. Bank of America is promoting the use of XXXX but you are not offered any protection from fraud.

2.Bank of America accepted the deposit of a fraudulent check that was not properly filled out.

3. Bank of America provided no help, just closed claim. Said I can file a police report
Product: Checking or savings account

I have a small side business of XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX. I do 3-4 transaction per year with of avg $ XXXX per transaction. I got a wire from a XXXX XXXX XXXX on XX/XX/XXXX for first time. I dont know the sender, or have any other info about transaction. The amount came and then it was reversed back on XX/XX/XXXX. I called the bank to know what this was, and they replied " user claimed it back by saying it was sent in error ''. Since info came from my bank, I didnt see any reason to do anything else. Per my bank, it was user error so no action needed. On Monday XX/XX/XXXX, my bank closed my business and personnel checking account. They didnt give me any reason except to say " Bank doest see this as good business for them, and they have the right to close my account. '' I opened first complaint in early XXXX through CPFB portal. That complaint was close by CPFB based on BOA standard response that they reserve right to close any account. I am opening new complaint today ( XX/XX/XXXX ) due to lingering account closure. The original transaction was for $ XXXX, and BOA put a hold for $ XXXX. Today ( XX/XX/XXXX ), BOA placed an additional $ XXXX of debit on my account making a total debit of $ XXXX on hold. This whole episode is causing a lot of stress for me. I would like bank to resolve the issue, and close my account and release my pending balance.
Product: Credit card

On XX/XX/2024 I retrieved my XXXX XXXX from XXXX in XXXX, XXXX. having been advised by XXXX  that I would not receive my car unless I paid the repair bill in addition to a rental car fee. This rental car was not issued to me, I did not contract for this car nor was I aware of this contract until a day or two before I was to get my car back. XXXX essentially extorted payment for this rental car from me by threatening not to return my car to me unless I paid {$1200.00} that I did not owe them. I paid, then disputed the charge expecting CITI Visa to investigate and correctly conclude that I was not a party to the rental agreement and therefore did not owe this fee. Unfortunately, CITI did nothing but rubber stamp XXXX  extortion of this fee. Supporting documents are included.
Product: Mortgage

Please see complaint number XXXX which was closed because Caliber Homes responded. They did re-apply the funds that they had applied incorrectly, but they still have not taken the derogatory information off of my credit report and it is currently showing with 10 missed payments and currently 30 days past-due. This is having an extreme impact on my credit score and I need help to make them get it removed.
Product: Credit reporting or other personal consumer reports

I communicated that I'm a victim of identity theft. this collections account is not mines. 
I filed a FTC report number XXXX
Product: Credit card or prepaid card

Chime ( prepaid bank card ) closed my account/card over a month ago with no reason or warning given. I have direct deposits that are missing in limbo due to this action made by Chime and also I can not activate my funds and services offered by Chime that I originally opened the account for in the first place. Chime is unreachable in regards to an explanation or reason as to why this has happened. I understand they apparently have the right to close any account for any or no reason as stated in their account agreement, however, shouldn't they be held accountable for notifying their clients " X '' amount of business days prior to doing so? Therefore, providing consumers with a chance to find another avenue for our financial needs and we don't end up without our payroll checks or access to funds? Only to hit a dead end street? Please help SOMEONE?!?!?