23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2021 BMO, representative XXXX advised the XXXX XXXX business checking account had been closed. Without prior verbal or written notification. The attachment provides a XXXX BMO ledger, While, limited contact with the bank has occurred since the account closure. There have been repeat consumer complaints against the bank and/or branch. Those include negligence, harassment along with deceptive business practices. 

The initial occurrence with the bank happened with XXXX ( Branch or Company vice president ). To which most details are available upon request happened during our initial visit alone. However, it was our second visit the executive performed a mind hack or trick, that mirrored a female urinating on a male act while sitting in her office. -disgusting. 

It is believed the harassing business practices which XXXX displayed. Continued to lead the executive to follow my movements throughout parts of XXXX. While for the most part not physically harmful the perception is this practice falls along the line of malpractice, harassment and company negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been negatively affected by inaccurate reporting by Shellpoint. My loan was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XX/XX/XXXX. I was in a forbearance plan with XXXX  XXXX XXXX and that forbearance plan transferred to Shellpoint. Under the forbearance plan I was not supposed to be reported as delinquent to any credit agencies. I was in constant communication with my new reps at Shellpoint, XXXX then XXXX and their Manager XXXX XXXX. My loan payments were then deferred. I made my first mortgage payment as required on XX/XX/XXXX. While in forbearance and while my loan was deferred I should not have been reported to the credit agencies as delinquent. I emailed my rep XXXX on XXXX and the manager XXXX on XXXX about the credit reporting problem. XXXX emailed back and said to email loss servicing at Shellpoint, which I did with no response. XXXX did not respond. I then called customer service on XXXX and was told to send a copy of my credit report by fax, which I did. I also saw that my customer portal for Shellpoint says : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This statement on my portal totally contradicts what they have reported. I have been report as 120 days late to the credit agencies ( see attached ) This is my second formal complaint about this company after having an account with them for only 4 months. They are either incompetent or fradulent. 
I have asked them to fix my status with all of the credit reporting agencies.
Product: Mortgage

I have verified all three of our trial payments were made and cleared. However, we are unsatisfied with the new payment ( {$1400.00} ) and will refuse the new terms because they include money ( {$880.00} P & I ) for escrow ; ( {$600.00} ) that is not required at this time. My taxes are under a  XXXX exemption, therefore payments for taxes were returned. A representative of Nationstar/Mr. Cooper stated that it is not the responsibility of the mortgage company to question why the taxing authority keeps returning payments. In the meantime I have sent proof of my exemption numerous times over the past several years, just to be told that we have then they do not have it. This information is being sent to the CFPB for response and relief.
Product: Student loan

I had a loan servicer, XXXX, now Navient allow a third party to represent my account with payments, changed address, and phone numbers. In summary I had no control over my account. It was being managed by a family member that I finally took back over after weeks of calling XXXX. During this time and now I have the means to pay and its frustrating that my account was put in forbearance so many times ( which it accrued interest ), as well as not being contacted but the third party about XXXX loans that went late for 90 days ( A huge credit hit! ). I have sent a goodwill letter to have these removed because of all the confusion, but the interest that accrued during these time of forbearance my account was placed, and the general lack of obtaining information from the sole debt holder is troublesome. I have since consolidated my debt with Navient and have my account on Autodraft, but the credit remarks are still there impacting my credit.
Product: Credit reporting

I sent the attached letter to Equifax back on XX/XX/XXXX. 52 days have passed, and they have not responded to me yet. They were supposed to respond within 30 days, and have not.
Product: Debt collection

CBE Group is attempting to collect a debt that I do not owe. The debt is old and from a place that I worked, my services were free and I have the signed documentation proving it. My old employer actually billed my insurance & got paid and then sent me to collection for the whole amount even though they don't bill employees. 
They do some shady stuff and this proves it! I do not owe this debt and they were paid by insurance anyways. 
I am contacting my attorney regarding their practices as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I became aware that Equifax was not releasing my credit report information as requested by me the consumer. I have been unable to view any of my credit report information on Equifax 's official website, or myFICO, for over 30 days, which is a direct violation of my rights as a consumer, pursuant to the FCRA. I have contacted Equifax to have this issue fixed, with no success. They told me my case had been escalated to their technical team and that I would be contacted. I have not received any further communication from them regarding this matter.
Product: Student loan

I am trying to file a in school forebearance request to American Education Services. I have faxed my requests to XXXX different numbers, have spoken to numerous representatives and have received multiple errors from the faxes indicating that their fax machine line is either busy or there is a communication error. I have emailed my documentation XXXX in two weeks. I have spoken to many representatives over the past few months who have given me so much wrong information such as wrong payment amounts, which have put me in a delinquent status. 

I have had several representatives tell me and encourage me to apply for multiple repayment programs that I keep getting turned down from. No one seems to know the process of what is going on here at this company. In the mean time I keep getting bills from Citizens bank billing me for XXXX in delinquent fees that I can not pay. 
I need someone to check their fax machine phone numbers and emails and respond to my requests. OR have them all on the same page. The fax they said they did get they say shows only half a page. 

I did send a fax through my schools enrollment services department that says went all the way through. This is beyond frustrating and I need some resolution.
Product: Bank account or service

Bank of America Account Problem The problem occurred when my wife deposited XXXX checks in our Bank of America checking account on XXXX XXXX, 2015. She did so at our local branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The XXXX checks were in XXXX and totalled XXXX XXXX. Copies of the XXXX checks are attached. I told my wife to expect a dollar total of roughly {$1000.00} and I have attached copies of both a manual deposit slip prepared by the teller and also an electronic transfer slip, both totaling {$1000.00}. I checked my account later that day and saw a deposit of {$1000.00}. I have no idea why the cents should be different but this did not concern me greatly, I assumed that this was the deposit of the XXXX checks. I saw an unexpected correction of ( {$770.00} ) at around the same time and began to investigate this entry. When I called the service number on my ATM card I was told that it was to correct the check deposit which was only XXXX check and not XXXX. I was astounded and asked to speak to a manager to find out what was happening. I spoke to XXXX who confirmed the story about there being only XXXX check. I pointed out the deposit slips prepared by B of A in the branch and explained to her it was impossible for the XXXX check she could see to equal {$1000.00}. I explained that the deposit slip was proof that there had been another check and asked her if they could have lost it. She was indignant and told me she could do no more for me and I should go to the branch on Monday. I told her the bank had no authority to take money out of my account without my permission when I owed them nothing. I was extremely angry. Her response was- '' whatever ''.
Product: Debt collection

I reached out to SYNVS/XXXX to request specific verification documents, notably the signed contract agreement reflecting my signature, to validate an alleged account. Unfortunately, I have not received any such verification documents. Instead, I received a generic statement asserting the absence of fraudulent activity. However, this assertion is erroneous as the account in question lacks any of my personal information. The absence of verification documents, only providing transaction statements, does not fulfill the requirement for validation of debt as per consumer protection regulations. This account stands in violation of consumer law by failing to provide the necessary documentation to establish its validity and association with my identity.
Product: Debt collection

I received a letter from a company called National Credit Systems , INC . 
XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/ I received a letter Demanding to pay XXXX for a debt I had never heard of. On Sunday XXXX the collector had reported this alleged debt to the credit agencies. I called them XX/XX/ on Monday because I was unable to reach anyone during the weekend to ask what the debt was for. I had no knowledge of this debt or accusation. When I finally spoke with someone she informed me that the debt was for alleged damages to an apartment I had lived in for 5 years. I moved out of the apartment in XX/XX/. Since XXXX I have had no knowledge of this debt and was not notified ever by the original creditor. I immediately requested to dispute the charge. The allegations are false. The original company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX had violated several Illinois tenant rights. I was not given enough time or notice before it was reported to the credit companies to even address or dispute the matter. I was not given an Itemized list for said damages. I had quarterly inspections on my apartment and had never had a bad report to my knowledge. As on XX/XX/ I have never even seen a report. Any issues I had with my apartment were reported in a timely fashion. I have several neighbors, witnesses, family members, and the Property manager who worked there for 30 years before she retired on stand by to write letters of the conditions of the apartment and my character. 
When I moved out XXXX XXXX reported to my new landlord that I was an excellent tenant. Which I have proof of and will provide written documentation of that. The company National Credit Systems was supposed to email me the dispute claim form to fill out and I have not heard from them. I have never had a collection on my credit. This is completely false and they are using this as a tactic to scam me out of money.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my XXXX XXXX credit report from US Bank. I have attempted to have this corrected with both XXXX XXXX and US Bank to no avail. XXXX XXXX continues to send me letters informing me that inquiries remain for two years instead of deleting the unauthorized inquiry. US Bank is not responding to requests to delete the inquiry. 

According to the Fair Credit Reporting Act, erroneous or incorrect information can not remain on a person 's credit report, including unauthorized inquiries. 

The inquiry needs to be removed immediately
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 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.

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: Checking or savings account

In XXXX of XXXX i filed a claim with edd and i recieved one payment for {$330.00} and the next two weeks i was suppost to recieve another payment and i never got one i called up XXXX and XXXX from XXXX said the payment was added to my account so i called up bank of america and they said the money was put in to my account i asked for a statement and i got it and reviewed it and seen there where charges that where not mine so i called up bank of america and explained to them what was going on they cancelled my card and sent me another one well in never recieved it i called up bank of anmerica again and told them well bye then i got another statement and it showed several charges bye then it had been two more weeks and there was {$2000.00}. put in to my account every two weeks well after that first payment i recieved i never got another one after that i had called up XXXX several times and bank of america well nothing was done about any of it i have been calling up bank of america for 3 years regarding this i had to find another job because i never recieved any more of my XXXX i recieved all my statements from bank of america and it shows 5 differant cards being used for the whole year of XXXX i called up bank of america and explianed to them but they have not done nothing they supervisor XXXX at bank of america said there was all kinds of credits put in to my account in XXXX but i did not get another card until XXXX the amount is XXXX dollars it started XX/XX/XXXX its Bank of America prepaid XXXX XXXX XXXX XXXX  TN XXXX My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX ) XXXX thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim of civil liability for negligence/noncompliance referenced in XXXX # XXXX. Based on my understanding of the matter, I believe that the claim is either incorrect, unfounded, or lacks sufficient evidence to establish my liability.This dispute lacks evidence and relevant details that the debt is correct. 

To support my position, I respectfully request that this claim be reviewed and or disputed correctly and I urge you to reconsider any adverse actions or penalties associated with it. 

Please provide a written response acknowledging this dispute and outlining the next steps in the review process. I expect a fair and prompt resolution and request that any collections, penalties, or related actions be paused until this matter is fully investigated. 

I appreciate your time and attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX should you require any additional information. 

My ID number [ XXXX ] My SSN [ XXXX ]
Product: Credit reporting or other personal consumer reports

I recently pulled my credit reports from all three credit bureaus and noticed an account listed as a " charge off '' as XXXX XXXX  ending in XXXX, in the amount of {$830.00} that was not my account as well as all three bureaus were reporting different information regarding this account. I filed an identity theft report with the FTC and printed out my report, and on XX/XX/24 I then mailed certified a letter I wrote with a copy of my driver 's license along with my FTC report explaining this is not my account and pursuant to the FCRA it is Equifax 's duty to report correct and accurate information on my credit report and file. Furthermore, pursuant to 15 U.S.C 1681 c-2, Equifax is violating my federally protected consumer rights by not removing the account within 4 business days and they failed to list on my report that this account is in dispute. To add to this, I did NOT give written instruction/permission to furnish this inaccurate account on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). I received a document from Equifax put verified the account so I sent a second letter certified mail of the inaccurate reporting and request to send me the information showing how they concluded it was verified and they can not give me proper documentation. It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

This company is a Fraudulent collection agency who has no regards to the laws set by the US Bankruptcy court. They are going to receive a letter from my attorney and lawsuit for breach of the XXXX Fair Debt Collection Practices act. They bought this debt from XXXX XXXX XXXX XXXX XXXX. This debt was discharged through Chpt XXXX Bankruptcy in XXXX of XXXX. They are still calling me and are reporting to equifax as an open account. On XX/XX/XXXX they updated the account. They are also going to be getting a visit from a news organization at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. This is illegal.
Product: Debt collection

Ive filed numbers FTC reports and contacted this company Security Credit Services about the identity and the account not being mine. They refuse to remove this negative unauthorized item.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. 
( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please promptly block and remove the unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unaware of their origin. As outlined in USC 1681g, I am requesting their removal within 15 days. Relevant documents are attached for your review and reference.
Product: Credit card or prepaid card

New Amex XXXX XXXX card is opened in the month of XXXX. There is a promo to spend XXXX $ in the first 90 days or so. After some purchases, I am issued XXXX points and when I had a conversation at some point, I am told points were issues as I met the criteria of purchases. There is some cancellation within a couple of purchases because of the covid situation. After 4 months, Amex came back and reverted the reward points for the reason that I didn't meet criteria for spending in the first three months. When I didn't meet the criteria as I return the purchase, I shouldn't be awarded points in the first place. After 4 months coming and reverting back points, it is the right practice. It is totally deceiving customers.
Product: Credit card or prepaid card

I received emails from Capital One stating that my payment had posted. The payment was never posted and the funds had not been taken from my account. The representative on the phone told me that they send them out to avoid any " Late payments. '' Unfortunately this caused me to have 2 payments returned. I sent another payment for {$110.00}, received an email that informed me that the payment posted, I called the following day trying to find out why it had not been posted on my card so I had the available credit ( because I needed it ), and my bank was n't even going to release the funds for another 3-4 days. I did not even have a payment due!!! I was making an early payment. Because I could not wait another week for the funds to be available and because no payment was due for over a month, I decided to take the funds so that I did n't have to wait so long. I could make a payment in a week or two and be fine. Capital One just decided to close my account. This is a secured account. I really messed up my credit in the past and this was my first step in trying to repair my credit. Now I have this account on my credit report that says, " Closed by creditor '' and was only 2 months old. Considering that I received emails saying my payments were posted, I wanted Capital One to either reopen my account, or change the reason why it was closed, as to not have another negative impact on my, already negative, credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Product: Payday loan

This where I draw the line these folks knew I was a veteran, and dislocated worker and when they jacked up the fees. I did pull back because there is no way in XXXX I am paying that. Now too many months went by.