23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

To my surprise, on XXXX XXXX, XXXX, I received a credit score alert stating that my account with Popular Community Bank was delinquent and that my payment was 90 days late. I have never made a late payment on my account with Popular Community Bank, actually, I usually pay off the balance on my account at the end of each billing statement. I have endorsed checks as proof that my payment was received by Popular Community Bank and processed by them on time. As a matter of fact, I sent 2 separate checks during the month of XXXX for my XXXX payment- the above account is in reference to this payment. I sent the first check in the amount {$3200.00} to pay the balance in full and the second check was a {$10.00} payment to avoid any additional fees. Although my first check was received on time, Popular Community Bank did not post it until weeks later and this mistake has drastically affected my credit score. I have spent more than 5 hours on the phone with Popular Community Bank trying to correct their mistake. I have been given the run around, and then told I need to speak with a bank supervisor, who is conveniently not available at the moment. I also emailed 2 different representatives during the months of XXXX and XXXX, and after speaking with them- with a copy of an endorsed check, nothing was done until XXXX XXXX, when in my XXXX Credit stated that the payment was received, but this check was endorsed by Popular Community Bank on XXXX XXXX, XXXX, ( please see attachment from bank ). This mistake has not been reversed with the credit bureau and is presently affecting my score, which I have always striven to keep impeccable. Every time I have called customer service I am spoken to in XXXX ; although, I have continually asked to be addressed in XXXX, the bank representatives still speak to me as if I am an ignorant immigrant. I believe if they address me in this matter, they are also taking advantage of other XXXX customers that may not have the same understanding/education as I have. I am fluent in XXXX and XXXX and I 'm perfectly able to understand the difference between customer service and plain disregard for important information. It is now, XXXX XXXX, and despite many phone calls and emails, this is still inaccurate on my credit report which has greatly affected my credit score. I have copies of all the emails, statements, checks, and reports. I have filed a complaint with XXXX because Popular Community Bank has failed to help me. Popular Community Bank needs to correct my credit score with XXXX, XXXX and XXXX I have attempted many times and spent countless, unnecessary hours trying to correct Popular Community Bank 's mistake- and yet they have failed to reverse it and restore my original credit score.
Product: Credit card

Applied for XXXX credit card twice, Despite good credit history and no good credit score, Goldman Sachs did not register any complain, I believe its discrimination
Product: Debt collection

I have asked pro collect for the following but they refuse to send me any information. I have never done any business with this company and should not have items placed on my credit report.

That the debt belongs to you That the debt is still active ( i.e., the debt is within your states statute of limitations ) That theyve been given authorization by the original creditor to collect on the debt
Product: Debt collection

Failure to provide a satisfaction letter I am filing this complaint because Capital One ( through a law firm representing them ) has failed to provide me with a satisfaction letter after I fully paid off a debt. Despite my multiple attempts to contact both the law firm and Capital One, I have not received any confirmation that my debt has been paid in full. 

Details of the Debt : Account Holder Name : XXXX XXXX XXXX SS Number ( last 4 digits ) : XXXX Final Payment Amount : {$4200.00} Payment Date : XX/XX/year> Law Firm Handling the Debt : XXXX XXXX XXXX , XXXX. 

This debt has been settled, and I have complied with all requirements. However, Capital Ones representative ( the law firm ) is refusing to provide the satisfaction letter that I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

What I Have Done to Resolve the Issue : I have called the law firm repeatedly and asked for the satisfaction letter, but they refuse to provide it. 

I have requested the satisfaction letter multiple times.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, California XXXX Re : Cease and Desist from Reporting to Credit Bureaus and All Communication Dear MIDLAND CREDIT MANAGEMENT Representative : I am writing to demand that MIDLAND CREDIT MANAGEMENT, immediately cease and desist from reporting any information related to the alleged debt XXXX to any credit reporting agency. I also demand that you cease and desist from any further communication with me, except as required by law. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), reporting information to credit bureaus constitutes communication. As such, I demand that you immediately remove any existing reports and refrain from making any future reports.

Furthermore, I demand that you cease and desist from any further communication with me, except as required by law. This includes, but is not limited to, phone calls, letters, emails, and text messages. 

Please confirm in writing within 14 days of receipt of this letter that you have ceased reporting to credit bureaus and will cease all further communication with me. 

Sincerely, XXXX XXXX
Product: Debt collection

I am just being made aware today of a lawsuit in which a judgment was entered in favor of the Creditor XX/XX/XXXX. The case was filed in District Court XX/XX/XXXX by Lendmark Financial Inc in XXXX XXXX MD and represented by Attorney XXXX XXXX XXXX, XXXX. On XX/XX/XXXX they filed to have my wages garnished. However, I was never, ever served with a summons even notifying me of this lawsuit, and never received any documentation thereafter until being notified TODAY by my Employer that the are attempting to garnish my wages. I called both the Attorney and the Creditor to obtain to get proof of Service and to get my payment history and have not received any response or help with this matter. This case has been sitting here for 8 YEARS and I was never notified, never properly served or given the fair chance to resolve a debt that was opened 11 years ago. I now run the risk of losing my pay when I feel like I was never given the chance to resolve this to begin with. I can not even tell if they filed the lawsuit within statutes because no one will provide the date I was in default.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : 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 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 or other personal consumer reports

I HAVE DISPUTED WITH PROOF THAT I AM PROTECTED WITH THE ADDRESS CONFIDETIAL PROGRAM FROM THE STATE OF XXXX  FOR XXXX  XXXX  YEARS YEARS THEY REFUSE TO REMOVE.
THEY HAVE NOT REMOVED ONLY ADDING THE PO BOXED USED TO RECEIVE MAIL MY DRIVERS LICENSE IS THE PO BOX AND THIS HAS CAUSED A BIG MOVE AND MISPLACEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries are not authorised by mtself. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper took over as loan servicer for my mortgage beginning XXXX of 2022. Since then, they have been fraudulently withdrawing money from my checking account through XXXX transfers. I have never authorized any XXXX transfers to Mr. Cooper. They said they " transferred '' the XXXX I had established with the previous loan servicer but charged me a different amount. On XXXX they withdrew {$1500.00} from my checking account and applied it to the mortgage payment. They also withdrew an additional {$620.00} and applied it as additional principal. I never authorized this amount, with Mr. Cooper or with my previous loan servicer. 
On XX/XX/XXXX they made an additional XXXX transfer from my checking account in the amount of {$2100.00}. {$530.00} of that payment was applied to interest which did not accrue on the account as it was just paid in full 10 days prior.The rest was applied to escrow and principal. 
When I received notice of the XXXX withdraw, I contacted Mr. Cooper through their online chat. I informed them of the XXXX transfer, that I never authorized this, that my account was already paid in full, and the payment needed to be cancelled. They refused and told me I need to wait for the payment to clear my account and then request a refund through the supervisor. I did this today, XX/XX/XXXX, was told I needed to submit proof of the payment clearing my account and I sent proof of that transaction from my bank account statement. I was then told that was insufficient and that they needed to see my account balance to show it isn't negative. Mr cooper has no right to demand I share my private financial data with them before returning funds they stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account ( XXXX XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including small claims court in my area. This is my warning. I demand you to delete these items at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to report this and they told me to file a police report I sent it to the credit bureaus only one have removed the account is XXXX  It is still on XXXX and XXXX
Product: Consumer Loan

I got a 30 day late XX/XX/2017 and it 's reported on my credit report that payment was made on XX/XX/2017 when it was actually made on XX/XX/2017. Please see attached.
Product: Debt collection

I have a collection account from an emergency room physician XXXX XXXX XXXX at the time of the visit I had and still have the same health insurance company and my co-pays was paid at the time of the services. This collection is preventing me from purchasing my new home and many other things. I would like this to be investigated and removed from my credit report. I would like to see the original documents that were signed during my visit and receipts.
Product: Mortgage

I XXXX XXXX and XXXX would like to dispute the payment late mark on our credit report for XX/XX/XXXX. This payment was made prior to the end of the month and not sure why you are penalizing us as if we made the payment in XXXX. We are aware that by not making the payment by the XX/XX/XXXX we would be assessed a late fee, but never in our minds would we think that by making the payment before end of month would call for a 30 day late Mark. We would have never been aware of this hitting our report if it wasnt for our new lender to bring it to our attention. We are scheduled to close XX/XX/XXXX and now that this is reflecting, we are in jeopardy of not being able to close or purchase this new home which has proper accommodations on our current handicap accessibility necessity. On XX/XX/XXXX @ XXXX we called in and spoke with customer service representative XXXX @ XXXX and per her review the payment was made in time to not reflect a 30 day late mark. She stated it appeared payment was posted into suspense and never processed for whatever reason. We were advised to send this letter to customer service through email, so that this dispute could be submitted and taken care of in a timely manor that would allow us to still move forward with our scheduled closing. Then we received an email back requested to have letter faxed. Then we followed up on the XXXX and they stated they received letter and that they were sorry, but it needed to be mailed in and could take up to 60 days. I asked to speak with management and was told no one was available and that XXXX XXXX would call me before end of day. Since XX/XX/XXXX I have made several callas and no one is able to speak or handle this matter and the last representative stated that we were misinformed and that there was nothing that could be done. Once again stated would get call from XXXX XXXX and to this day no call has been received. If you have any questions please dont hesitate to reach out to us at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX XXXX They have reported false late payments. I have asked XXXX, Equifax and XXXX to investigate and provide written documentation of the updated payment history. All three have failed to accurately report and remove accounts that have not been validated. 

XXXX states I was late in XXXX of 2021 with XXXX but reported I was on time with XXXX and Equifax. I was never late. 

Per o Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.

b. delete the item of information.

c. permanently block the reporting of that item of information
Product: Checking or savings account

Citibank has removed {$3700.00} and despite spending two days trying to track the money taken by Citibank from my account, not one person at Citibank can explain. Ive spent hours on the phone, either on hold or getting the run-around, with Citibank representatives and none can answer the simple question. 

Absolutely no answer from Citibank. 

Leadership at Citibank is completely indifferent. They dont respond. 

In the meantime, they removed ( stole ) {$3700.00}. 

Ive written to the CEO, XXXX XXXX, as well as their Senior Managers and members of the Citibank Board multiple times. No response. 

The fact they can not readily answer a simple question as to where thousands of dollars, taken from my account, were sent is highly suspicious. 

I suspect this is a systemic issue at Citibank that may be impacting many Citibank customers.

Im asking the Citibank and its leadership be investigated for RICO violations as I believe their lack of forthrightness and their lack of response suggests theyre hiding something. 

The bank refuses to answer my simple question, where did my money ( {$3700.00} ) go? 

I will follow up with you by phone to submit an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to XXXX XXXX XXXX in XXXX of 2021. In XXXX of 2021 XXXX received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from XXXX apologizing for the error and removing the late fees. When I found out recently that there are XXXX 30 day late payments on my credit report they did an internal review and decided that XXXX did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is inaccurately reporting fraudulent information from all three credit agencies, transunion, XXXX, and XXXX. The following creditors have reported fraudulent inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 is reporting inaccurate information to transunion acct XXXX amount {$3100.00} date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. There are inquiries on my Experian credit report that I did not authorize. I 've called and written them letters and I 've yet to get a response. Below are the inquiries that I did n't authorize. 

XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX 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 my accountto 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  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: Credit reporting, credit repair services, or other personal consumer reports

already tried to fix the probelm with experian.they are not responding to my correspondence in the mail I am a victim of identity theft and there are unauthorized, unidentified inquires on my credit report from identity theft. 

block and remove the following inquiries that are from ideneity theft from my credit report Experian Inquiries XXXX OF XXXX XX/XX/2022 inquiry Date XXXX CARD XX/XX/2022 Inquiry date XXXX BANK XXXX Inquiry date XX/XX/2022 2022
Product: Debt collection

American Express is attempting to dictate what rules are allowed/disallowed by means of communication over phone calls. 

See below : Federal law permits recording telephone calls and in-person conversations with the consent of at least one of the parties. See 18 U.S.C. 2511 ( 2 ) ( d ). This is called a " one-party consent '' law. 

American Express is not mutually agreeing to recorded phone conversations on the borrower 's end. Please keep in mind that Federal Wiretapping laws permit mutual recordings if 1 party claims to be recording a conversation. Right away, I can already submit documented accounts of American Express representatives not giving consent when in reality, they lose their right to non-consensual phone recordings from the opposing party if they, themselves initiate the recording as part of their company policies. I'm quite surprised that American Express maintains non-consensual recording from their end when this is a very common law in the United States. If American Express wishes to continue alerting its members of non-consensual recordings from the member 's end, then, I believe they lose their right to continue advising members that they are going to record the conversations going forward and should be forced to cease all recordings from that point. 

American Express continues to flourish in its countless incompetence, and it's really quite appalling that this Credit Card company is masked in the illusion of no wrongdoing.