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

My accounts 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 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 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.

( CREDITOR NAME ) 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Checking or savings account

I was looking for a bank that was more accessible to me and found two that were in the same block of XXXX XXXX XXXX, Washington DC. I made a decision that that would be JP MorganChase Bank because they were offering a {$300.00} reward via a post card in the postal mail. This offer expired on XX/XX/XXXX, so I opened my checking account on XX/XX/XXXX and gave the bank representative, XXXXXXXX XXXX, the card I received in the mail. He looked at it and then gave it back to me and said to hold onto it. In order to receive the {$300.00}, you also had to have a direct deposit to your account within 90 days after opening the account. I met all the requirements so on Monday, XX/XX/XXXX, I met with a bank representative, XXXX XXXX XXXX, at the bank at XXXX XXXX XXXX XXXX, Washington DC, to inquire about my {$300.00}. I had my postcard with the verification number on it. She made a copy of it after she conferred with her manager and I was told that there was a problem because XXXX XXXX had not linked my account with the reward verification number and there needed to be an investigation because the reward expired on XX/XX/XXXX. I left thinking that it would be approved, because as they agreed, I had done my part, and it was just an error of the bank. On Friday XX/XX/XXXX, I heard from a woman investigating my case and told me it was approved. When I didnt see the {$300.00} on my account, I called customer care again and was told that it was NOT approved, and she didnt see any notes that I had talked to anyone else. When I asked her if she was the last word, she said yes. So this is where we are. 

Im wondering if this is a scam or what. When I was told it was approved, I stupidly threw the card away, but they are making that offer again that expires in XX/XX/XXXX. I feel like I was duped and wonder if Im not the only one. I am definitely moving on from this bank.
Product: Checking or savings account

Im having issues with navy federal and they denied me about my account has been restricted cause someone eles put money in my account with out my permission and they did not believe me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not show original contract from creditor saying how much they are accusing me of.
Product: Credit reporting

I disputed several erroneous items on my Experian credit report via USPS. I included my name, address, social security number, and date of birth on the correspondence to Experian. I also included a photocopy of my drivers license which validates my address and date of birth. Today, XXXX XXXX, 2015 I received a form letter from Experian stating " The social security number you gave us does not match the identification in our database.. Please send us proof of your social security number and this letter after you have completed all of the information. ''
Product: Credit card

On Tuesday, XX/XX/2016 I logged into my account to review and went to the Activity & Statements page. The page read the following : Last Statement Balance : {$120.00} Payments and Credits : + {$0.00} Transactions : + {$63.00} Current Balance : {$190.00} If you do the math, that is incorrect. {$120.00} + XXXX = {$180.00} and not the {$190.00} they are saying. Discover is trying to illegally take additional money from me that I have not authorized.
Product: Debt collection

On XX/XX/XXXX ( mailed XX/XX/XXXX ), I sent a certified letter to I C Systems, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said letter using the USPS tracking feature. They have failed to respond to my request in any way, therefore, they have not proved that I am obligated to pay them anything. They have reported delinquent and negative information to all of the credit bureaus and I asked that it be deleted.
Product: Credit reporting or other personal consumer reports

Company XXXX XXXX XXXX said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted experian and the other two reporting agencies and they never removed this fraudulent item they never got the code
Product: Mortgage

After the modification in XX/XX/2023 Select portfolio Servicing XXXX XXXX XXXX Utah has no been straightforward in regards to my escrow account information I believe they mismanaged this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally consumers right to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX along with XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX along with XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX and XXXX along with XXXX XXXX XXXX Account Number : N/A Account Name : Student Loans XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Department of Education 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other items of adverse information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not 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
Product: Credit card or prepaid card

I had a Macy 's ( Citi Bank ) card. A purchase was made in XX/XX/XXXX. I never received an e-mail, call or a statement in the mail until XX/XX/XXXX. They ended up charging {$160.00} in late fee 's. They said they are only allowed to remove XXXX and wouldn't remove all XXXX. I paid the bill in full when i realized that it was not paid. They are still trying to charge me for {$80.00} when I never received anything as a payment due. They should not be allowed to charge late fee 's when they never tried to collect the debt or let me know that a payment is due. I paid the charge and would pay the interest but the fee should be removed.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint. I have reached out to the following account below about the issue with my account as reported by RADIUS GLOBAL SOLUTIONS LLC. They have advised me that they will remove the account the fraudulent account will be deleted, however, as I reviewed my recent report, the late status is still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Mortgage

My Mortgage was transferred to LoanCare on XX/XX/2020 from XXXX XXXX XXXX  ( XXXX  ). My Mortgage payment was sent electronically by XXXX on XX/XX/2020 and paid {$1800.00}. Delivery time was 2 Days, Transaction Number XXXX. The Account number that was used was the old account number under XXXX # XXXX, because they never sent a new account number number until I had already made payment. I think everything is fine until on XX/XX/2020, I start receiving calls that I have not made my mortgage payment. I call LoanCare and explain, that I made my payment, and provide details. I keep getting telephone calls. I go to XXXX, and request proof of payment and email it to them. They assign it to to a research analyst and ask for 48 hours. During this time I still get telephone calls to call LoanCare. I sent another email with proof again and they assigned another research analyst. I call again and am able to get through on XX/XX/XXXX and am able speak to XXXX at XXXX for 53 mins and explained the problem. They had posted my payment to another account. My new A/C is XXXX. They were able to apply my payment to my account. However, the payment is posted to my account on XX/XX/XXXX, not when they received it. She told me not to worry. I said that is unacceptable ; I paid on-time. That needs to be corrected. I have sent emails and they have not corrected.
Product: Debt collection

Over the last XXXX weeks I received XXXX calls from collection agency Harris and Harris. Each time I picked up they would immediately hang up on me prior to anyone speaking. I had no context in terms of what the call was in reference to and only later learned they were a debt collector. I eventually called back to inquire what the purpose of the call was at which point they mentioned they were aware of these phone issues and quickly went on to attempt to collect the debt. I was trying to address the situation with the harassing phone calls while they were trying to collect the debt and after asking for the phone calls to stop they hung up on me. I'm not even clear the implications of what that means towards the debt they allege I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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: Debt collection

ENHANCED RECOVERY Recent balance {$5300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Original creditor XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$5300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual I have no idea why this would be on my credit plus the amount is unrecognizable. I've never owed that to any company.
Product: Checking or savings account

Dear CFPB Consumer Assistance, I am submitting this formal complaint regarding the wrongful closure of my business bank account with BMO ( formerly Bank of the West ). My account was closed improperly while under review for unauthorized debits totaling over {$1100.00}. 

On multiple occasions, I was reassured by BMO employees that my account would not be closed during this review. Due to this pending investigation, I refrained from making deposits, fearing that any funds added would be deducted before the issue was resolved. Despite my long-standing banking history with BMO, my account was closed for insufficient funds before the review was completed. 

I typically make weekly deposits ranging from {$2500.00} to {$3500.00}, and this account is critical to my business operations. The wrongful closure has caused significant financial disruption. Additionally, I was reported to XXXX for {$220.00}, further impacting my banking reputation. 

For over XXXX months, I have made numerous attempts to resolve this matter, contacting BMOs corporate offices via phone and email, yet I have received no response. I have also been waiting for a manager to return my call for over XXXX months. Given my XXXX years of banking history with BMO and its predecessor, Bank of the West XXXX I believe I should be treated as a valued customer and deserve a resolution. 

I request that the CFPB intervene and assist in reopening my business account, as it was wrongfully closed under misleading circumstances. The reference case number for this issue with BMO is XXXX. 

Please advise on the next steps and how this matter can be rectified. I appreciate your prompt attention to this issue, as it is vital to the continuity of my business operations.
Product: Credit card or prepaid card

i disputed a charge for an item i bought on XXXX. item came in labeled as a XXXXxl but actual size and measurements were not. The item was also counterfeit. I reported this to XXXX, Seller offered me a partial refund if i would close the dispute. The seller then never issued a refund and stopped responding. When i disputed this with chase they sided with the seller stating the item were as described. I then was told i could only appeal their decision by fax or paper mail which i did, But they are not acknowledging that either. 
Sad that a company like chase would let their customers be defrauded and scammed and not care. Its becoming a great company for criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

Midland Credit Management failed to provide me with proof that I signed a written agreement directly with their company warranting them the right to collect payment.

In accordance with the fair credit reporting act, Midland credit Management violated my rights. 15 U.S.C 1681 Sect. 602 ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also states that a consumer reporting agency may not furnish an account without my written instructions.

The following violations apply to five seperate accounts.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 USC 1611 Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 USC 1692 d ( 2 ) Harassment or abuse. The use od obscene or profane language the natural consequence of which is to abuse the hearer or reader.

15 USC 1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt We did not request or authorize you to communicate via mail or otherwise for the purpose of collectiong alleged debt.

1. Attempting to collect on a debt in a location where I do not reside pursuant to 15 USC 1692b {$1000.00} 2. Failure to give prior consent for attempting to communicate pursuant to 15 USC 1692c {$1000.00} 3. Failure to provide notice of consent on initial communication pursuant to 15 USC 1692 ( k ) {$1000.00} 4. The use of language meant to harass such as select from these payment options to stop our calls 15 USC 1692 ( d ) ( 2 ) {$1000.00} 5. All this caused me mental anguish and stress so I am seeking damages pursuant to 15 USC 1692 ( k ) {$1000.00}
Product: Credit card or prepaid card

see attatched XX/XX/2019 statement confirms on XX/XX/XXXX, XXXX posted a credit of {$200.00} & {$280.00} USAA posted Temporary Credits THERE CAN NOT BE 2 CREDITS FOR ONE PURCHASE!!!!!! ON XX/XX/XXXX AND XXXX ALREADY GAVE THE CREDIT. ( see XX/XX/XXXX Adjustment Purchases ) THESE ARE TO BEGIN A FRAUD INVESTIGATION** AFTER THE MERCHANT PAID**.??? These are NOT MADE PERMANET & on XX/XX/2019 USAA FRAUDS ME CREATING PERMANET NEW CHARGES {$200.00} & {$280.00} FOR WHAT WAS JUST PAID **REVERSING MERCHANTS CREDITS CLAIMING they are usaa 's. 
*** USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD MERCHANTS COVERED. ***
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I discovered several fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have a 401k with XXXX XXXXBank of America. XXXX is forcing me to close my account on XX/XX/18 against my wishes. Because of this, I am going to have to deposit the money in my IRA with XXXX Funds. I sent Merrill Lynch a written request to complete this transfer, but XXXX XXXX XXXX with XXXX refused saying they don't take written instructions. It's 2018 ... .business is done in writing.
Product: Credit reporting

The credit reporting agency will not block the fraudulent addresses and accounts off of my credit report due to fraud. I have disputed these same items over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/XXXX I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to credit cards and personal loans under my name from XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XX/XX/XXXX and XX/XX/XXXX removed the items immediately and after 30 days passed Equifax stated that the items are still under investigation and has done nothing. I then sent a second request to Equifax with no Investigation results. 60 days have long passed and I sent my third request to Equifax and again Equifax stated under investigation and has again done nothing which is why I decide to come here for help, please help me.
Product: Debt collection

Consumers energy debt amount of {$1500.00} in my name under the address of XXXX XXXX XXXX XXXX XXXX Mi. This has never been my place of residence and not sure how this debt is mine.