23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payment while under VA FORBEARANCE DURING covid CARES act which forbids derogatory information being submitted to a credit reporting agency.
Product: Checking or savings account

According to the FCRA the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX  XXXX XXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed ASA.

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Updated Complaint Regarding the Non-Resolution of My Claim ( Reference : XXXX ) Dear Sir/Madam, I am writing to submit an updated complaint following my initial claim, referenced XXXX. Despite my ongoing efforts to resolve this matter, there has been no significant progress, and my issue remains unresolved after more than 90 days. 

To reiterate, on XX/XX/year>, I filed a claim with Bank of America ( Claim ID : XXXX ) for {$2100.00} related to goods I never received. Since filing, I have experienced an extremely frustrating and inadequate response from your institution. 

Initially, I was assured that I would receive a temporary credit for the disputed amount. This never happened. Later, I was informed that my claim would be processed within 45 days. After that, the timeframe was extended to 90 days with no clear explanation. Now, I am being told that XXXX is handling the claim, which has further delayed any resolution. 

I want to emphasize that this situation is unacceptable and violates several legal obligations, including those set forth by the Fair Credit Billing Act ( FCBA ). Under this law, banks are required to resolve disputes within a maximum of 90 days. This deadline has now passed with no resolution. Furthermore, under Regulation E, Bank of America was required to provide me with a temporary credit within 10 business days of being notified of the claim. Even if an extension was necessary, I should have been clearly and promptly informed of the status of my claim, which has not been the case.

Additionally, I must remind you that Bank of America is also subject to the XXXX  Deceptive and Unfair Trade Practices Act ( FDUTPA ), which protects consumers from unfair and deceptive business practices. The lack of transparency, contradictory information, and inability to resolve my issue within a reasonable timeframe constitutes serious violations of this law. 

I am therefore once again requesting that Bank of America fulfills its legal obligations under the Fair Credit Billing Act by immediately issuing the refund of {$2100.00}. The prolonged delay and lack of resolution after more than 90 days is a clear violation of my consumer rights. 

If this matter is not resolved immediately, I will have no choice but to pursue all available legal avenues to enforce my rights and seek justice. 

I appreciate your prompt attention to this issue and expect an immediate response, including a precise timeline for resolving my claim. 

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

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following 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 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 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 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 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: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH 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 my 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 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 XXXXXXXX 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

Credit reporting agency violated privacy of fcra by reporting relationship with creditor. credit reporting agency published payment history for open ended consumer credit plan. 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 an account without written instructions 15 u.s.c 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following accounts are noted as violation ( s ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB, I continued to have issues with my mortgage servicer not apply payments made to my balance in a timely and appropriate manner. 

On XX/XX/XXXX I made a payment on my mortgage. My servicer, NewRez/Shellpoint/XXXX   etc says the payment was returned due to insufficient funds about ten days later. They notified me on XX/XX/XXXX that the payment was returned. I immediately contacted them with evidence that the payment was made on time : a receipt showing a successful bill pay confirmation and a redacted statement showing the balance taken out. 

On XX/XX/XXXX I was contacted by Shellpoint who said that the payment was returned due to insufficient funds. I explained that there were sufficient funds in the account and that there was no subsequent redeposit of the ACH. We contacted XXXX immediately and I authorized them to confirm these facts, which they did with the agent. The agent confirmed these facts and said she would research it. 

On XX/XX/XXXX no one had contacted me so I asked about the status of my complaint. The agent said I needed to submit confirmation that the balance was available and had not been redeposited. I submitted a full, unredacted statement to this effect despite my concerns about privacy and despite it being redundant with what the bank representative confirmed on the phone a week prior. 

The bank confirmed that there were sufficient funds and there was no returned ACH. This is in direct contradiction to the claim made by NewRez that the ACH was returned due to insufficient funds. We both can not be right. I am right, there was more than 50x the balance due in that account at the time of the transaction. The ACH was never returned to my account. This was confirmed by the bank directly with the agent and via direct documentation. NewRez contends that they asked for this documentary evidence prior to today but I was assured on the phone that submitting a redacted statement would be sufficient early in XX/XX/XXXX, was not asked for it in subsequent phone calls, and only asked for it today ( XX/XX/XXXX ). 

This is not the first time NewRez has failed to apply funds in a timely manner and charged me fees. This is the first time it has taken a half dozen phone calls and more than a month without a resolution. 

I have been more than responsive to their request for information and been assured at every step that the information I had provided was sufficient. They take weeks to respond only to request information that has already been provided.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against MIDLAND CREDIT MANAGEMENT for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. 
Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, MIDLAND CREDIT MANAGEMENT continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, Midland Credit Management is not complying with these legal obligations. 
Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : 1. Immediate deletion of the unvalidated debt from all credit reporting agencies.

2. Statutory damages in the amount of {$5000.00} for MIDLAND CREDIT MANAGEMENT failure to comply with federal law and their neglect in handling this matter.

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. 

I expect MIDLAND CREDIT MANAGEMENT to act in good faith by deleting the inaccurate information and providing the requested statutory damages. 

Thank you for your attention to this matter.
Product: Checking or savings account

There's been several times that Wells Fargo would allow a charge to happen on my account which would cause my balance to be below XXXX. I've already called several times regarding this, which they in their notes, and that my account is not set up for overdraft. However, it is still being charged with overdraft which causes me to have overdrafts fees attached to it. Today I called in asking if I can get an email stating that if I get the charge I won't be liable for it because I've requested several times to not be charged overdraft. Also, based on the explanation that they gave me they explained that because the charge was an XXXX payment that the system will take XXXX business days to reject the payment, but that doesn't stop the overdraft fee from occuring on my account. I spoke to the XXXX branch, XXXX, on the phone stating how this isn't my fault and I want an email that states that I won't be liable for this charge in which he responds with " we can't do that '' and " we all want things in life ''. 
This all happened today XX/XX/year>, not once did I curse at anyone or even disrespect anyone for their job and what they do. I've asked to speak to an american branch because this issue is ridiculous and at this point it seems like a money grab. It's illegal to charge someone for service they did not agree to. However, the american branch did nothing to avoid this distress from me. I will be surely changing banks once I have everything settled with a new one but I believe that repercussions should be given to companies who don't value integrity. I have a complaint number with them.
Product: Credit reporting or other personal consumer reports

This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 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 in accordance with the Fair Debt Collection Practices Act. 

Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Debt collection

Can't get a hold of company to explain this is not an account that belongs to me.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Capital One located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed XXXX inquiries Inquiry details 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 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 Equifax 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I was contacted by Bank of America prepaid debit card fraud department, from my North Carolina unemployment, in regards to a potential fraud case. The representative I spoke to stated there were charges initiated that were potentially fraudulent and needed to cancel my card and have a new one sent out. I filed a claim and claim number XXXX and my claim was approved on XX/XX/2021. I received a letter from Bank of America stating that {$230.00} would be credited back to my account within 10 business days and as of today which is XX/XX/2021 I have yet to receive that credit. I have called in numerous times spoken with several different managers and supervisors who have told me a number of different things in regards to when the funds would be placed back into my account. I was told one time it would be in there within 48 hours and then another time it was going to be in there within 30 to 45 minutes. And as of today still no credit. I have been misled and given false information by several different representatives and managers. Every time I call back I'm being told something different. I call in everyday trying to see where the status of my account is in regards to the escalation that was done in trying to see where my credit was and today XX/XX/2021 I was transferred to a supervisor by the name of XXXX who told me that I needed not to call in every day that it was not going to do anything and that I just needed to be patient and he hung up on me. My money should have been back into my account within the 10 business days that I was promised via the letter I received from Bank of America. Over the last 45 days the customer service from the representatives and supervisors in the claims department have been extremely poor they have not tried to help me and assisting me with putting my money back into my account all they've been doing is giving me the runaround and information that has not been accurate just to get me off of the phone. Also I've been told that I'm not able to communicate with anybody in the department who has the ability to credit me back my funds that the only way to communicate with them is through a request through their system. That no Representatives have the ability to communicate with anybody in the research department. That there's no phone number available and that they can only communicate with them through a systematic request.