23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I sent a letter via certified mail to Barclay 's Bank, which they received on XX/XX/2020, in which I disputed ( 4 ) credit card transactions. 

Barclay 's Bank violated Reg Z by failing to process my credit card dispute within the established time periods under the law. The bank acknowledge, on a recorded phone call that they violated Reg Z by failing to respond to my dispute within 30 days. Furthermore, despite receiving my dispute letter and documentation via certified mail, they did not even create the claim even though they had my letter in their system. The representative was able to pull up a copy of the letter and see it, but could not explain why no action was taken. The rep stated that she would create a dispute case as of that day ( XX/XX/XXXX ) - but I explained that is a violation of Reg Z as the case should have been created on XX/XX/XXXX. The representative stated that it is not possible for her to " backdate '' the dispute claim and that consequently they will not be able to resolve my dispute within 60 days of XX/XX/XXXX. This is a clear violation of Reg Z.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 in ( MONTHS REPORTING LATE ) 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! 

Delete the late payments from my consumer reports
Product: Credit card

On XX/XX/2023 I Applied For A CHASE BANK Credit Card And Got Denied. 
Regardless Of The Reason For Denial, I Have A Right To Credit. 
Withholding My Access To My Securities Is Securities Fraud. 
CHASE BANK Is Violating The Equal Credit Opportunity Act And The Consumer Credit Protection Act.
Product: Mortgage

Selling on my house located in XXXX XXXX, fl with Plaza Home Mortgage being my lender. In 2018, my house went under forbearance due to Hurricane Irma. We began replaying on out mortgage working with their loss mitigation department in XX/XX/2018. So far in 2018 we have paid a total of {$21000.00}. On XX/XX/2018 we closed on selling our property with a principle balance of {$470000.00}. The mortgage company charged us {$20000.00} in interest for the year of XX/XX/2018 stating that we have not paid since XX/XX/2018 when actually i have statements showing my payments from my bank. I have spoken with them multiple times on the phone to be basically told that I did not know what i was talking about and that this was what was owed to them when the math does not add up based on the interest. since XX/XX/2018 a total of {$500000.00} was given to Plaza Home Mortgage.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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. 
Equifax 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 or other personal consumer reports

Back in XX/XX/2022 I began disputing inaccuracies on my report with XXXX. XXXX is furnishing inaccuracies from Nelnet. One it is a violation of me ( the consumer ) to furnish private information to a public third party. XXXX is a 3rd party furnishing my private information. XXXX and Nelnet have violated the following rights of mine 15 USC 6802 ( a ), 15 USC 1692a ( 2 ) and 15 USC 1602 ( I ). I sent a cease and deist to Nelnet and they did not comply. XXXX is the furnishing. They are reporting late payments which is a violation and they failed to verify also some months have XXXX which means no data provided how can you furnish information if no data was provided by a company. Seems suspicious because the other bureaus are NOT furnishing the same information. XXXX is furnishing high balances which is a violation of the Gramm Leach Blilley Act meaning XXXX can not furnish transactions aka high balances. I know for a fact because I sent a cease and desist letter for an account violating the Gramm Leach Blilley Act and the account was removed because they knew they violated my right. XXXX is violating several FTC, FCRA and Privacy Protection laws. XXXX XXXX and XXXX are reporting different high balances which is a violation and means the account should be removed. I have proof that these inaccurate accounts were falsely investigated and updated
Product: Debt collection

On XX/XX/year> I returned a call to first point resources a debt collector, they said I owed around XXXX to a utility company. They lied and said they texted me on XXXX although they did not and also lied and said they sent me a letter about it. I received no written notification whatsoever from them or the utility company. So how am I supposed to know this is not a scam. When I asked for their first name, they wouldnt give it to me, I asked for their legal name, they wouldnt give it to me, I asked which federal regulatory agency oversaw them, and they became vey nervous and evasive and kept ending the call.
Product: Credit reporting or other personal consumer reports

I discovered that a credit card account from Jefferson Capital Systems was listed on my credit report, but I did not open this account. I believe the account is fraudulent or mistakenly associated with my name. I have already disputed the account with XXXX, but the dispute was not resolved in my favor, and the account remains on my credit report. 
I am seeking the removal of this fraudulent or incorrect account from my credit report and a full investigation into the validity of this debt.
Product: Credit card

Bank of America failed to pay debt promised when I purchased their Credit Protection product for my credit card. In addition, upon submitting my initial claim they increased the Finance Charge on the balance due from a variable 3.99 % -12.99 % to a fixed 24.99 % therefore effectively making any payment they made under their Credit Protection Plan to my account useless in terms of reducing the balance due on my account. Furthermore according to the order from the Consumer Financial Protection Bureau, they failed to reduce the balance due by the amount they charged in fees for their Credit Protection Plan and credit my account the total of those fees. Lastly, they are incorrectly reporting the amount of the initial credit limit to the XXXX major credit bureaus as well as the date of the initial past due amount which causes the statue of limitations to extend past the time allowed under the law for which state I live.
Product: Mortgage

For the last year Specialized Loan Servicing is claiming I am behind on my home mortgage payments, however I have checked with my bank and all my payments sent in by checks have been cashed through them. Basically, specialized loan serving is claiming my payments on not on time or being sent in, when the checks have been processed. Now, ai am at a loss of what I can do becuase I have been paying my bills and this compnay has been cashing the checks, so why are they saying I'm not making payments. 

You may email me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just needing to remove my old addresses and phone numbers from my credit report. And keep my current address and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) XXXX XXXX XXXX 2. ) Conns XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX
Product: Credit reporting or other personal consumer reports

My name, date of birth and addressses and employment info are not correct on all XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to express my disappointment and frustration with your disregard for federal law and your failure to comply with my dispute letter and follow-up letter, both sent through registered mail on [ date of dispute letter ] and [ date of follow-up letter ], respectively. Despite receiving both letters, you have yet to fulfill your duty as mandated by law. This non-compliance is unacceptable and contemptible, and I am left with no other choice but to file a complaint with the Federal Trade Commission ( FTC ). 

As you are aware, federal law requires you to respond to dispute letters within 30 days. Your non-response is a violation of the regulations set by the FTC ( see 15 USC 41, et seq. ). I have documented all my communications with you on this matter and will file a complaint with the FTC should you continue to neglect your legal obligations. 

I remind you that your willful noncompliance may result in liability, as in the case of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ). 

For the record, I have informed you on two separate occasions, more than 75 days and again 40 days ago, that the following information on my credit report is inaccurate and incomplete : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX I request that you immediately remove this erroneous information from my credit report. Failure to do so will result in a formal complaint with the FTC. 

If you continue to disregard federal law, I will pursue legal action for recovery of damages, costs, and attorney fees. I am keeping a detailed record of all my communications with you, including your non-response and noncompliance. 

Please provide the name, address, and telephone number of each credit grantor or other subscriber as required by federal law. You had 30 days to complete your re-investigation, yet you have failed to respond. I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your re-investigation. 

I hope to resolve this matter quickly and amicably. Please contact me at the telephone number above to confirm receipt of this letter and to discuss the steps you plan to take to correct the inaccurate information on my credit report. 

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

On XX/XX/2022, XX/XX/2022, and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts. 

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Please remove immediately.
Product: Money transfer, virtual currency, or money service

The scam/fraud, I believe, starts with a XXXX hack and linked to Coinbase. The odd thing is how did they get past two-factor authentication ( 2FA ). The other thing not explained by Coinbase is that I noticed the hack on the same day and within hours of the hack and immediately locked my account. It seems also odd that when I sold an asset the process took not hours but certainly more than a day for it to clear the funds. Of course, I do not hear from Coinbase after locking my account and submitting a notice to Coinbase via their online help form and telephone request to lock the account. As of now, I have no access to my account or any meaningful info from Coinbase. 

Date of Hack : XXXX XX/XX/2021 Amount app {$24000.00} of ETH on Coinbase Notice given was XXXX XX/XX/2021 and account locked. 

No response but an email saying they will look at the account that is locked but no word from Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; CARMEL FINANCIAL CORPORATION is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. CARMEL FINANCIAL CORPORATION is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : CARMEL FINANCIAL CORPORATION 03/08/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Product: Mortgage

Bank of America refused to give me a loan modification.   Bank of America originally said that I could get a loan modification.   They kept demanding paper after paper after paper.   and asked for income tax many times.   All of this went on for months.   Finally, I got a letter that they refused to give me a loan modification.   Furthermore, they would never let me speak with any manager in the department.   I am having a very difficult time and it seems all they want is to redo my loan which would be {$3500.00} per month which I can not afford.   PLEASE, HELP ME!!! I AM IN A HARDSHIP SITUATION.   I NEED A LOAN MODIFICATION THAT THE BANK ORIGINALLY OFFERED AND THEN REFUSED SAYING THAT IT WAS N'T AVAILABLE.   THANK YOU.     I received a call this morning,  XXXX   XXXX , at approximately  XXXX   XXXX   Pacific Time  from  XXXX   XXXX . He said he was a Bank of Americ a Resolution Specialist an d he just kept repeating like an endless tape. He told me they are a debt collector and wanted to give me counseling telephone numbers which I told him I wasnt interested in. I asked him why he called and he said something to the affect about the loan modification ; basically that they cant guarantee the loan modification. He just kept repeating all the information to the point absurdity. This phone call was a waste of time ; he had nothing to tell me except that they couldnt guarantee a loan modification. I learned nothing new this phone was a total waste of my time. He said he will call back but he probably will have no new information and that will be more waste of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

filled a previous complaint that I could not get my credit score. They have the wrong name with my ss number. I have faxed them my driver licensee, social security card and passport a total of three different times to fix this problem. Equifax is the only company Iam having this issue with. their response to my complaint was still the same problem. Then they send me a letter with someone else name on it PLEASE Help
Product: Debt or credit management

This is now the 3rd complaint that we have filed with CFPB and as a consumer, it is beyond me that we haven't gotten any resolution from the company, USAA. The first complaint was from my wife and I, second through the AG if Idaho and most recently through our Conressman, XXXX XXXX. My wife and I had a fraudulent charge of {$18000.00} on our account through USAA from what we believe was a data breach that the company had earlier this year. We have formally requested information on the case which they have completely ignored for months. We have also requested information through a lawyer which cost us an addition {$2500.00} retainer. USAA apparently found us responsible for this fraud earlier this year and has been assessing interest fees on the $ XXXX but never notified us of their finding or why they believe we did this. USAA lost $ XXXX last quarter and had a known data breach that we had to uncover ourselves even though both Texas and Vermont AG 's have filed suit. In short, we are considering paying this $ XXXX ( now close to $ XXXX ) to protect ourselves from further exposure from USAA 's additional fines. We have extensive data and communications over the months that this has transpired if anyone is interested in talking to us. We will sign an affiavit that we had nothing to do with this and in fact, we are the real victims here. If anyone is willing to listen, I believe this is clearly identity fraud caused by the data beach at USAA where we have been members for XXXX  years. I need a consumer advocate here as we are being attacked by our own Insurer/bank with no help from them whatsoever. Please help. XXXX and XXXX XXXX
Product: Debt collection

I received correspondence on XX/XX/2019 with regard to a debt owed to XXXX XXXX University. In response on XX/XX/2019 I sent a verification of debt letter. In response to my letter of XX/XX/2019 I received an envelope full of a contract with email correspondence. I then contacted them on XX/XX/2019 to advise that this debt is not owed as the contact I had with this school has been fulfilled enclosing proof of same. Instead I received a copy of a Summons and Complaint suing me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Items was not verified non did I get a response. I have fraudulent inquiries that I disputed, I want remove from my credit report. Thanks
Product: Mortgage

Our mortgage is with Wells Fargo .For 14 years since they took over XXXX , weve been paying an interest rate of 6.75 % ... Since then my wife lost her well paying job, went back to school, started her own business earning a lot less.Im retired lost a lot in XX/XX/2008 ... .I asked WF to refinance at a lower rate, no extra cash out, he laughed because my credit score is below their standards.Next I applied to them for financial relief, filled all the necessary paperwork and got denied, because they couldnt lower the payments low enough..really