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

I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.

As you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties.

Despite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).

Provide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines.

Correct my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. 

Ensure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. 

This issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.

Please acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

XXXX XXXX, we were bought out of a small independent distribution business.Lets refer to it as company XXXX. The company was a sister company to another small independent distribution business, referred to as company XXXX. It was at this point the partnership in XXXX companies parted ways. My husband and I became 100 % owners in the sister company XXXX. XXXX companies were financed through XXXX. Prior to XXXX, we were financed by XXXX. The Commercial Lending Officer from XXXX Trust moved XXXX, and continued his role as our Commercial Lending Officer XXXX. When we were bought out of company XXXX, we were required to put our XXXX house up as collateral to continue the credit line for company XXXX. We did, with the intentions that we were going to sell it or possibly rent it out in time. As time progressed the economy took at toll on our company XXXX. We began scaling our operations down in XXXX through XXXX. In XXXX of XXXX, we listed our XXXX house for sale. It sold quickly, but it was at this time the problems with the banks began. The original mortgage on the property was with Chase and refinanced XX/XX/XXXX. XXXX, who I believed all along was 2nd lien holder to Chase, was now claiming 1st lien position. We were going to take the proceeds from the sale, payoff Chase & apply the balance to the notes XXXX. The balance would not have covered the balance due XXXX, But we offered to pay interest only on the balance until we got our finances in order. XXXX did not accept along with Chase not responding to any of our calls With business XXXX, officially closed on XXXX XXXX, XXXX & the workout plan we utilized to pay off our vendors in place, we spent most of our savings in legal fees, due to the standoff between XXXX & Chase. Not sure who is at fault here, ( sounds like a title search issue? ) Whichever, We would have liked to get some answers. We tried to do everything ethically, but for some reason it has been a wacky ride. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act by mentioning my incorrect residential address as XXXX XXXX XXXX XXXX, XXXX, KS 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: Mortgage

Hi, I 've been trying for years to have the PMI remove from my mortgage loan, and I keep getting the runaround from Nationstar ( Mr. Cooper ). 
They change the name because of their toxic company. 

A couple of times in the past before Nationstar got my mortgage XXXX XXXX XXXX had me complete 2 appraisals and even had me mail a payment of {$25000.00}, because they claimed I did n't have enough equity. 

Now with Nationstar I 've tried several times to get the PMI removed but it still the same issue just keep getting the runaround. 

Can the CFPB please help me?
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the persistent and unresolved issues related to the correction of late open accounts on my credit report. This marks my second attempt to rectify these inaccuracies, and I am deeply concerned about the continued negative impact on my credit profile. 

Despite my initial efforts to address these discrepancies through your dispute resolution process, the corrections have not been made, and the inaccurate information remains on my credit report. 

Despite my prior dispute and documentation submission, the late open accounts persist on my credit report, casting doubt on the effectiveness of the correction process. 

The inaccuracies in reporting late open accounts negatively impact my creditworthiness and may have adverse effects on my ability to secure favorable terms for loans and other financial transactions. 

The lack of clear communication regarding the status and resolution of my dispute has added to my frustration and uncertainty about the steps being taken to address the inaccuracies. 

I request the following actions to be taken promptly : I urge you to conduct a thorough re-investigation into the late open accounts on my credit report, considering all the evidence and documentation previously provided during my initial dispute. 

Upon confirmation of the inaccuracies, I insist on the immediate correction of the late open accounts on my credit report to prevent further harm to my creditworthiness. 
I expect clear and consistent communication from your bureau, providing updates on the progress of the re-investigation and the steps being taken to rectify the issues. 

I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the accuracy and reliability of credit reporting. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I have been a customer of US Bank for over 15 years, My mortgage is due on the XXXX of each month, but not past due until the XXXX of each month. I refinanced my home with them a few months ago, now I get collection calls starting on the XXXX of the month and multiple statements showing a past due amount, when in fact, nothing is past due. I have gotten over XXXX calls from their collections people in the past 2 days, even after I called them and told them that there is nothing past due.
Product: Debt collection

WAKEFIELD & ASSOCIATES is reporting a claim for a {$1400.00} debt as a monthly payment that is late each month. The debt ( unknown ) is 17 years old, or more and I have never agreed to make monthly payment and don't even recall what it is. Not fair to report such an old debt, that may or may not be owed, and to fake a monthly late payment when no payment arrangements have ever been discussed is wrong and it's preventing me from moving into an apartment. 

This company has also figured out a way to report this same collection as 2 separate collections, just to make my score even lower. they are holding my credit hostage with false reporting. XXXX  removed one of these because they recognized it as fraud. 

WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX {$1400.00}
Product: Credit card or prepaid card

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted XXXX countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of XXXX issue of not helping me! XXXX  customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, XXXX  is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!
Product: Checking or savings account

Reason for complaint : We have a trust account with Truist Bank which includes a checking account, savings account and debit/credit card. As of Sunday, XX/XX/XXXX we have not been able to view our account balances and activity. As of this writing, XX/XX/XXXX, we are still unable to access our accounts through the Truist app or by going to their website, Truist.com. I was unable to contact anyone person or department as the bank was closed on Sunday and the recording said their business hours were from Monday to Saturday. We were not aware of this and we could not contact the bank in case of a need on Sunday for assistance. 

On Monday, XX/XX/XXXX, I contacted Truist customer service to find out why I was unable to access our account. After being transferred several times, I was told our accounts were blocked however no one was able to tell us why and we were directed to contact the local branch of Truist as they were the only ones able to correct this. We contacted the branch of Truist located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida, XXXX on XX/XX/XXXX and spoke with XXXX who is the Branch Manager. I was told that the account was blocked because there was a system update over the weekend and some documents were required by the bank before we could access the account and that we must come in to complete and sign this document. We went home to complete the 4 page Trust Certification along with copies of our drivers license and personally delivered this to the branch on XX/XX/XXXX. We were also told that we MIGHT be able to have access by Friday. 

This account was renamed as a trust on the advice of our attorney in XXXX of XXXX and owned individually prior to that for probably 2 decades. At no time were we informed that this documentation was necessary nor we informed that the accounts would be blocked. All of this could have been prevented if we had received communications by text, email, phone or mail that the document was now necessary. Had this occurred we would have gladly obliged and completed the form prior to blocking access to our account. If this type of action by the bank was not illegal or regulated, it should be! Banks should not be able to take this type of action without informing the customer in advance. 

I have had interaction with this Truist Bank branch personnel previously and customer service ( and attitude ) is non-existent and remains so to this day. 

We are very concerned and worried since we are unable to see balances and activity in these accounts. Everyone is told to monitor their financial accounts frequently and report any unusual activity to the financial institution. Since we are XXXX seniors and for us it is important that we keep track of what we have since this is all we have! 

Still waiting
Product: Debt collection

I started receiving letters from Howard Lee Schiff in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from Howard Lee Schiff they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called Howard Lee Schiff office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$460.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below had violated my federally protected comusumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 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.

15 U.S.C 1681C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information of information any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 's reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple duplicate student loan accounts on my credit report and they ca n't determine which ones are duplicate and original. If they determine the difference between the original ones and duplicate ones they should delete them. It is adversely affecting my credit, making my income to debt ratio much higher than it is. I have been refused for a mortgage because of this problem
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some inquiries that were not authorized by me.
Product: Checking or savings account

I went to close my account, but they did not allow me due to open charges that have not been posted, I do not have overdraft protection. If i had no money to cover charges, money should not have been dispersed. I am now being charged additional fees for them paying bills when there was no money in the account to cover, multiple times. If I am held accountable legally if I write checks that bounce, how can a company do that for me, unauthorized ( no overdraft protection signed up ) and they were well aware at the local branch i visited that I was closing my account.
Product: Debt collection

Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. 

Recorded call dials in XXXX times a day, everyday including weekends.
Product: Credit reporting or other personal consumer reports

ANY AND ALL NEGATIVE REPORTING IS DEFAMATION OF CHARACTER. THIS COMPANY IS NOT AN OFFICIAL GOVERNMENT REPORTING AGENCY. I WILL BE FORCED TO SUE THIS COMPANY IF THEY CONTINUE TO CAUSE HARM TO MY WELL BEING WITH DEFAMATING MY NAME. GIVING FASLE CONSUMER SCORES AND SHARING/SELLING MY INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT. 15 USC 1692 C, I DID NOT GIVE PERMISSION TO BE HARASSED BY YOUR NEGATIVE REPORTING AND SELLING OF MY INFORMATION. THE FAIR CREDIT REPORTING ACT 15 USC 1681 ; STATES REPORTINGS SHOULD PROMOTE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION, ARE MY RIGHTS. YOU HAVE 4 DAYS TO DO WHAT IS FAIR AND EQUITABLE TO ME AS THE CONSUMER AND REMOVE ALL NEGATIVE REPORTING. ALSO XXXX XXXX STATES THAT I HAVE UNLIMITED CREDIT BACKED BY THE UNITED STATES SO MY CREDIT SCORE SHOULD REFLECT THAT AS WELL.
Product: Credit reporting or other personal consumer reports

I'm tired of yall playing with me. Im a living breathing woman and I'm now seeking legal damages. Yall keep ignoring my complaint. This is the last time. THESE ARE NOT MY INQUIRIES REMOVE FROM MY CREDIT REPORT IMMEDIATELY
Product: Debt collection

On XX/XX/2018, a debt collection agency called XXXX sent me a letter saying that I owed XXXX {$610.00}. The letter was dated for XX/XX/2018, I sent a letter back to them dated XX/XX/XXXX by certified mail thru the post office, disputing the validity of this amount owed. Once they received the letter, they took the amount owed off of my credit report within a few weeks. Now they have come back under a new name called Diversified Consultants, and have put the inaccurate amount owed back on my credit report. Diversified Consultants never sent me a letter or anything of that  nature to let me know that they have taken over the collection attempts of this account. I just happen to check my credit report yesterday and was surprised to see that they put this back on my credit report without the courtesy of contacting me by letter first. I believe that XXXX and Diversified Consultants are one and the same company. Just because they changed their name, they think that gives them the right to pursue this unjustified debt. This new collection attempt is fraudulent, and exceeds the limits of what is proper, fair, and is in total disregard of what is right and legal. This all started when my wife got basic cable in my name over my objections. She was late with the bill in my name, an they cut off services. We turned in the equipment soon afterwards and XXXX continued to bill us for service because they told my wife that we did not call them to tell them to terminate, what they had already terminated. So now nearly a year later, XXXX is back as Diversified Consultants, and expecting me to pay this debt. I need Consumer Financial Protection Bureau to come to my aid and fight on my behalf during this legal dispute. Thank you for your time and your patience.