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

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1

637 ( 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

I have sent multiple ftc reports in XXXX equifax along with id and they refuse to accept it as id and process the ftc reports even after providing personal info
Product: Credit card or prepaid card

My business debit card was stolen. I wasnt aware of the situation until after 2 weeks of fraudulent activities. Im not sure exactly when my debit card was taken because, I dont use the card physically. Proper procedure is, if there are any suspicious activity or fraudulent purchases, that my debit card will be locked, and I will be notified. I DID NOT RECEIVE ANY ALERTS OR PHONE CALLS. The transactions start on XX/XX/XXXX and end on XX/XX/XXXX. They consist of ATM withdrawals, ATM deposits, money order purchases and store purchases. There was Fraudulent checks deposited through the ATM machines also. A grand total of {$19000.00}. The investigation was done, and Bank of America decided to close my account because my PIN # was used. I didnt think that decision was right, considering that Ive NEVER giving out my PIN # or giving anyone permission to use it. I asked Bank of America to reopen the case. Bank of America reopened the case, did their investigation again, and came up with the same conclusion. I then asked for a copy of the report. I was told that it wasnt any physical paper work, and the decision was based off the PIN # usage. I received a letter on XX/XX/XXXX stating that my account has been CLOSED, because the transactions were authorized and posted correctly to my account. On XX/XX/XXXX Bank of America excepted a deposit of {$800.00} from a disbursement from the IRS, into a CLOSED account. The payment went towards the outstanding balance. First or all, I wasnt contacted when the transactions were taking place. I then contacted my police department to file a dispute on my transactions and a complaint against Bank of America. I proceeded to open another bank account for business and ALL of them would close after about 48 hours. Now I find out that Im listed with the Check consumer beau because of the Bank of America situation. This enables me to open an account anywhere. I was then told by XXXX XXXX XXXX to register with the Secretary of State to become a XXXX, so I could use my Tax ID # for the bank account. That account closed also. Then I went to see XXXX at XXXX XXXX. Thats when I was guided on how to handle the whole situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report by XXXX XXXX XXXX XXXX ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has incorrectly reported my account of two of my credit cards as 30 days late to both XXXX and XXXX, while inconsistently reporting it as 60 days late to Equifax. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, XXXX XXXX XXXX XXXX falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, XXXX closed my account based on this erroneous 30-day late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that XXXX XXXX XXXX XXXX immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should XXXX fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.
Product: Debt collection

I C Systems Collection agency does not have the right to collect or report on my credit report as a debt owed. I have repeatedly requested XXXX, XXXX and XXXX to remove from my report per the FCRA section 609 immediatly. I have requested an original copy of the signed contract from I C Systems Collection and they have failed to do so. This item remains on my report and is hindering my ability to obtain credit. I demand this be removed from my credit report immediatly.
Product: Debt collection

Account number XXXX amount XXXX Dear CFPB Representative, I am writing to formally dispute and request immediate action regarding Portfolio Recovery Associates continued and unlawful reporting of debt on my credit report. Despite my previous disputes and requests for validation, this collection agency continues to report and/or reinsert derogatory information on my credit file, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Nature of the Dispute : Unauthorized Reporting : The collection agency has continued to furnish negative information regarding [ Account Number or Reference ] without providing proper validation of the debt. 
Reinsertion of Previously Removed Items : If applicable, explain that the agency has reinserted items that were previously removed without providing the required notice to me as mandated under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

Harassment and Unfair Practices : The collection agency has engaged in unfair collection practices, including repeated reporting of disputed debts and failure to cease collection efforts despite my formal dispute.

Requested Action : 1. Cease and Desist : I demand that Portfolio recovery associates immediately cease all reporting of this debt to any credit reporting agencies ( XXXX, XXXX, and XXXX ) and stop all collection efforts. 
2. Investigation & Removal : I request that CFPB investigate this matter and instruct the collection agency to remove this disputed debt from my credit report unless they can provide adequate and legally required documentation proving the validity of the debt.

3. Compliance with Federal Laws : Ensure that the collection agency is adhering to all applicable federal regulations, including FDCPA and FCRA, and take enforcement action if necessary. 

I have attached a previous letter from portfolio recovery associates stating that the account in question will be deleted from all credit bureaus and as of today they put the same collection account back on my credit report which is unlawful Failure to address this matter promptly may result in legal action against the collection agency for violations of my consumer rights. I expect a written response from CFPB acknowledging this complaint and detailing the steps being taken to resolve this issue. 

Please feel free to contact me at XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I tried to log into my HSBC account only to see I was unable to log in and getting an error being told to contact customer service. Upon contacting them I was told something about the account being closed and I would need to call again today XX/XX/XXXX to see if they were closing my account. I have been unable to transfer my balance to a different account or do any transactions with my account causing missed payments on some accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TD Bank USA/Target Credit regarding their failure to report the Date of First Delinquency on a charged-off account. This omission creates significant inaccuracies in my credit report and prevents the correct calculation of the seven-year reporting timeline under the Fair Credit Reporting Act ( FCRA ). 

Had the Date of First Delinquency been reported correctly, it would allow the charge-off and associated account to be eligible for early exclusion from my credit report. Without this critical information, the account remains inaccurately reported, which has unfairly impacted my ability to obtain financing for a new home. 

Since the initial delinquency, I have worked diligently to improve my credit and have demonstrated financial responsibility. However, this account continues to be an obstacle in achieving my homeownership goals. I request that TD Bank USA/Target Credit promptly correct this error and ensure the accurate reporting of the Date of First Delinquency so that the timeline for this account can be properly assessed. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and kindly ask for an investigation to ensure compliance with all applicable credit reporting regulations.
Product: Debt collection

Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of my bank accounts, death threats and threats of being sent to jail and prison continuously from Admiral Investments , LLC debt collectors. The debt is a fraudulent debt and is the result of identity theft. The debt isnt my debt. Admiral Investments, LLC., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.
Product: Mortgage

My Forbearance was processed by only for 15 months. I should have been eligible for the 18 months as I was told.
Product: Credit card or prepaid card

I complained about fraudulent charges on my u.s. bank XXXX and the account was rudely closed.
Product: Debt collection

ERC also known as ENHANCED RECOVERY Company , LLC obtained this account from XXXX the original creditor. This was sometime on or before XX/XX/XXXX. The {$630.00} debt amount was reported to me by letter on XX/XX/XXXX. The debt dispute with XXXX started with my letter back to them on XX/XX/XXXX. 

ERC re-aged the debt with the credit agencies by removing then refiling the claim against me in XXXX. 

ERC is a Florida corporation. FL has a 5yr. Statue of Limitations, F.S. 95.11. They broke FL law against a senior citizen, F.S. 501.2077. What are their penalties? 

See attached documentation.
Product: Checking or savings account

I signed up for a Citi checking account in a promotion to receive XXXX ThankYou Points ( value : {$500.00} when used for travel ), which required me to open a checking account, make a minimum deposit, make a couple bill payments in a certain amount of time, and maintain a minimum balance. I had done these things but then Citi abruptly closed my account, claiming, incorrectly, that I did not provide certain information in a timely manner. After failing to resolve the issue with the bank, I submitted a detailed CFPB complaint ( # XXXX ) on XX/XX/19. Soon after, I was contacted by " XXXX '' from Citi who reviewed the evidence I provided in that complaint that Citi had acted in error, and XXXX re-opened my checking account and agreed to credit my account for XXXX ThankYou Points once the minimum balance was in the account for the required time. Apart from the ~1 week in between my account closure and re-funding it, Citi has had {$15000.00} of my money for 4 months now. XXXX left me a phone number to contact her, XXXX. Nearly 2 months after last speaking with her, my account has not been credited with the XXXX points and I am unable to contact this person. Despite repeated attempts she does not answer her phone and, curiously, she does not have a voice mail. Without any other way to reach her, I have contacted Citi online and by phone, where I was bounced around between several foreign  call center employees, none of whom had a clue how to help me. So once again I find that I must file a complaint with the CFPB, since Citi has made it impossible to get a hold of someone who can help me ; unfortunately this appears to be the only way to reach someone at Citi who has the power to make things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that you are asking for additional information. I also know the law allows you to ask for additional information to prove my identity. Well, I sent you all the documents that you requested in my first complaint. Why are you asking me to send this information again? Right now, I cant get approved for credit that Im seeking due to inaccurate items on my credit report. 

And when your company asks for more information even though I sent it, Im disappointed at the way your guys are handling my disputes. I have complied with your request by attaching the proof that you are requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX XXXX XXXX XXXX, unauthorized, pull a credit pull on my account. They used XXXX XXXX and SagaStream, LLC. The information that was sent to me appears to be incorrect, compared to XXXX and XXXX ( XXXX XXXX and other information ) is incorrect. The file credit pulls occurred on XX/XX/2022. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SageStream LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I recently refinanced my vehicle loan with Ally Auto ( Account XXXX XXXX ) to another financial institution to lower my interest rate. As part of the refinance, I cancelled my service warranty with XXXX XXXX. A prorated refund of the service warranty in the amount of {$880.00} was remitted to Ally Auto on XX/XX/XXXX. Ally applied this to future installments. Then the loan was paid in full on XX/XX/XXXX. 

On XX/XX/XXXX I contacted Ally Auto using their in app messaging feature, to receive an estimated time frame to receive my overpayment. Ally Auto wrote me back on XX/XX/XXXX, stating that it was taking them more than 40 days from the paid in full date to begin processing overpayment refunds, and then an additional 7 to 10 days to mail the check to the address on file. They did not apologize, nor did they offer an alternative way to receive a refund given their delay. 

I still have GAP insurance with XXXX XXXXXXXX that I want to cancel. XXXX XXXX informed me that they would send any refunded amounts to Ally Auto, even though the loan is paid off and they are no longer the lienholder, and I apprised them of Ally 's delays in processing overpayments. This process will mean an additional delays of overpayment refund amounts. I know that any undisputed mortgage overpayments have to be remitted to the borrower within a two week time frame. I don't see how a vehicle is different. 

I understand that the pandemic has put many organizations under stress, however financial services is not directly impacted by supply chain shortages or labor shortages like other industries. As soon as these bottlenecks began to occur, Ally Auto should have adjusted their staff or their processes to compensate. I'm growing tired of the pandemic being used as an excuse to justify terrible service and disorganized management. This has been our shared reality for nearly two years, it's time to adapt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. 
I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my XXXX XXXX but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. 
I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. 
To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken.

Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process.

I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Product: Debt collection

Issue # 1 : My telephone line was damaged by a contractor. XXXX XXXX XXXX sent a bill for the repair and I paid it. My account shows a credit balance for the amount they want. I continue to pay the current charges every month yet XXXX XXXX XXXX doesn't correct their error. The money has been in their possession from the start. 

Issue # 2 : JNR, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX continues to call and try to collect when they were notified in writing to stop. They are engaging in unfair collection.
Product: Credit card

I have an account with Fortiva. In XXXX of XXXX I made my minimum payment due and my payment was accepted online. I then received my statement saying my payment was reversed but they could not tell me why. I was also charged a {$30.00} late fee. I asked if the late fee could be reversed and they told me it would can be reversed if I paid the now minimum payment due of {$100.00} which {$55.00} was paid on XX/XX/XXXX and {$54.00} was paid on XX/XX/XXXX. Although I paid the amount requested I was charged another {$40.00} late fee. Since the the fees are non stop and my minimum due each month continues to go up. I have been making a payment each month but it does not help. In XXXX again my payment got reversed so more fees were added. I called again and they told me I had to make another high minimum payment and they would reverse the fee. After the payment was made they did not reverse the fee. I called again and they told me the person I spoke to gave me incorrect information and they would not remove any fees. I told them I could no longer afford to be making outrageous minimum payments when I have been making my payment every month but for some reason which can not be explained 2 of my payments have been reversed causing the fees to get out of control. I have not missed any payments but can afford to pay the payment due anymore since they get adding more and more fees. As of my last statement in XXXX my minimum payment due is {$260.00}. They are also reporting me late to the credit bureau which has dramatically decreased my score.