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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My AMEX Platinum Business card suddenly reduced my Pay Over Time Option from {$20000.00} to {$12000.00}. I already had a balance of {$20000.00}. Since my pay over time payment is based on 1 % of the balance- my payment should have been {$200.00}. Instead, they are asking me to pay {$2900.00} this month. I am asking that they please honor the agreed upon pay over time amount of {$20000.00} or lower the amount {$12000.00} and just keep the payments at 1 % of the balance- which was agreed to at the time of the purchases made. This is causing me extreme hardship.
Product: Vehicle loan or lease

My lease Payoff is {$30000.00}. I attempted to sell the vehicle and Ally XXXX is charging {$41000.00} for a buyout of the loan. This is nearly fraud, adding over {$100000.00} to purchase the vehicle. Vehicle residual value is {$27000.00} plus {$2100.00} for remainder of payments. Ally is borderline fraudulent and I will never do business with this institution again.
Product: Mortgage

XX/XX/XXXX called mortgage company I am out of work due to covid and coverage under cares act mortgage company is playing game called 6 times every time told it was fixed called yesterday collection department and XXXX said from mortgage company alot of people dealing with same issues as me I called fha for help called hud last week called me but I am scared losing my home all people at mortgage company say same thing it will be fixed and nothing happens i am at my end of line need help please
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is XXXX. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, On XX/XX/XXXX, I received an email from Jefferson Capital Systems , LLC stating that I owe XXXX {$1300.00} as of XX/XX/XXXX. The JCS Reference number is XXXX. 
This will be my third complaint that I have filed regarding this false charge. The first complaint was directly to XXXX ( CFPB claim number XXXX ), my second complaint was to XXXX XXXX XXXX ( CFPB claim number XXXX ), the debt collectors contracted by XXXX 
If possible, please refer to the above listed CFPB complaint numbers to get the background on the " case ...? ''
Product: Checking or savings account

XX/XX/2023 at XXXX XXXX  I started receiving emails from Bank of America stating I needed to verify my email, that my online application was in process, I was enrolled in mobile banking, and lastly that my application was approved. 

To be clear, I do not have a Bank of America account at all. 

Anyway, then I went to the login to see if I could do forget password to see WHO was trying to use this account. I did forgot password which asked for the last six of this new account. I had that in one of the emails and then it asked for your SS #. I used mine and it worked to get me to the request a auth code to your phone number. The number was not mine. I then called Bank of America and closed this account as I did not make it and someone is using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under my Social Security I have other SS # XXXX that isn't my social security #, please let me know what I need to do
Product: Credit reporting or other personal consumer reports

I am writing to formally raise concerns regarding several issues I have encountered with my credit report. These include : 1. Incorrect account listings 2. Multiple unauthorized credit inquiries 3. Inaccurate credit reporting 4. Discrepancies in billing 5. Inconsistent date payments
Product: Credit reporting or other personal consumer reports

CFPB ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX, XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX I have no signed payment agreement with this company. Please stop collection efforts and remove from my credit report immediately. Show me a contract or remove report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 XXXX, XXXXXXXX XXXX  XXXX, 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: Debt collection

Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}.
Product: Credit card or prepaid card

I applied for a Chase Freedom credit card on their website on XX/XX/19. Because there is an extended fraud alert on my credit file, it took an additional 8 days to get approved. I was approved on XX/XX/19 with a credit limit of {$2200.00}. I did not receive and activate my card until XX/XX/19. At that time I setup my online account and activating of my free credit monitoring account. 

Shortly after, about 8 days, my card/ was cancelled and the account closed. I did not receive any notification prior to doing that from Chase. I contacted Chase several times and was not given a clear explanation as to why I was approved for an account and then 8 days later it was closed by Chase. 

I received notifications from my credit monitoring apps that there was a closed account added to my credit file by Chase for this credit card that they closed. It caused my credit score to drop substantially.I contacted Chase and also wrote then goodwill letter asking to remove this account, as it was closed without explanation and also only open 8 days. I also explained to them that credit reports every 30 day account info and this account was not open even 14 days to report anything. I advised them that creditors aren't required by law to report borrowers ' account information to the credit bureaus. They replied back that they are with no documentation backing up that claim. 

I also notice conflicting info on each credit bureau report about this Chase account. XXXX  is listing a open date of XX/XX/19 and a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 with a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 and a close date of XX/XX/19 As you can see, these dates contradict and do not coincide with the dates that were actually listed as the application, approval, and activation of this account. So I would like Chase to please petition to remove this account from my credit file on all credit reporting agencies.
Product: Credit card or prepaid card

I monthly make a {$300.00} payment to my XXXX credit card to build credit to a very limited credit line, so twice a year I can buy a {$2000.00} product without much burden to get approved. 
I went to the store to pre-order the iphoneX on XXXX XXXX, and took the time to verify the credit limit. To my surprise, it was my total credit line, and not the credit line plus {$1400.00} or so. 
So I called XXXX cards and they told me that I did n't have that amount because they had cut a check of {$1400.00} to refund me because of XXXX reasons on XXXX XXXX. at least, that 's what they claimed. 
I asked them how long does it usually take to get the check via mail ... they guaranteed 10 business days or less. So I let them know that the check never made to my home, and asked them to cancel its payment and cut another one. 
2 calls later, they guaranteed me that a check was sent out. 
I called again before thanksgiving, and they told me that that was the XXXX business day, so the refunded check should arrive on Friday, which did, but for {$300.00}. 
So i called them once again to complain about the {$1400.00} check. 
They then told me that that check had been cut in XXXX, and then I reminded them that we had already had this conversation. Finally, the XXXX escalated to her manager and ended up sharing my Bank XXXX XXXX account details for immediate refund. 
I ended up picking up the phone and could n't use the 5 % cashback because I didnt have the {$1400.00} check ( the phone cost {$1200.00} ) ... so I had to rely on the XXXX finance. 
After waiting for the " immediate '' refund as promised on XXXX, the day after thanksgiving, today, XXXX XXXX, I called them to let them know that the refund had not gone through. I was now afraid they had the wrong account information. 
So I escalated the call and spoke with XXXX, who then explained to me that on XXXX XXXX, a decision to reissue a check had been made and that the direct deposit was not made. So they unilaterally decided that a check should be cut, and no one informed me. My current balance in XXXX is negative {$1200.00} because I was counting on that promised deposit. Probably I will have to pay for negative balance, lost the 5 % cashback, and other financial implications due to their wrong-doing. 
They had promised me that the check will get to my home before this Wednesday. 
I also reminded them that they had messed up with my account before, when they mistakenly charged me interests on a purchase just because their systems were not recognizing my monthly payments due to their billing cycle. So they would see the $ 300 monthly payment made twice in XXXX extended month, and see no payment on the next month. I had to chance the billing date to fix their problem. 
I think that i should get the 5 % cash back on the purchase, interests paid on my money that they are holding since XXXX with this check refunding process fiasco, and cover the negative balance consequences at the bank. 
This is extremely disrespectful. Too many calls, too much time wasted, too much frustration and broken promises and horrible expectations.
Product: Checking or savings account

I maintain a separate account for my bills ; this account also has an overdraft protection account ( OPA ). On XX/XX/XXXX, my account balance was {$0.00} and the available balance in the OPA was in excess of {$300.00}. On the night of XX/XX/XXXX I had an ACH debit in the amount of {$36.00} which overdrew my account ; however, should have been easily covered by my OPA. Instead, this transaction was not covered by OPA and was assessed a NSF fee of {$36.00}. Subsequently, on XX/XX/XXXX, I had a credit of {$450.00} in addition to a debit for {$380.00} the same day. Since the transaction on the XX/XX/XXXX resulted in my account being negative {$72.00} ( {$36.00} plus {$36.00} ) the additional credit and debit ultimately resulted in my account being overdrawn {$2.00} which again resulted in an NSF of {$36.00}. 

I contacted BB & T to question why the ODA did not cover the {$36.00} on XX/XX/XXXX. According to the representative, XXXX, the amount of pending bill pay transactions ( which were to be debited from my account on XX/XX/XXXX ) were on " hold '' which then prevented the ODA to cover the transactions. I explained that although the funds were on " hold '' they were not scheduled to be debited from my account under XX/XX/XXXX which at that time there would have been sufficient funds in the account. XXXX explained that a 'hold ' is placed on the account for pending bill pay transactions once the transactions are in the " processing '' status, which is completely different and will negatively affect hundreds of thousands 'grandfathered ' clients. 

NOTE : I, the consumer, has not knowingly been notified of any changes to the BBT bill pay system or the manner in which transactions will be held/handled from the processing to paid status through BB & T 's bill pay. 

XXXX offered to reach out to the IT department when I questioned if there had been a change to the way their bill pay services worked. XXXX stated that the IT tech said that they have converted accounts from past mergers/acquisitions to BB & T 's bill pay system. I was not notified of the conversion and the impact/difference between the two bill pay systems.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Transunion, requesting an investigation into several inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed on my credit report, such as incorrect address, and incorrect names. 

Despite sending the dispute letter via mail and providing all necessary information, I have not received any response from Transunion regarding the results of the investigation. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Transunion 's negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Transunion for their failure to respond to my dispute letter and address the inaccuracies on my credit report. 

Given Transunion 's failure to respond and provide the investigation results, I am now demanding that Transunion immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Enclosed with this letter are copies of the original dispute letter sent to Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. Trans Union is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX  and the disputed companies that the inquiries would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my XXXX payment, I attempted to set up auto pay, which I later found out was not set up properly. Prior to that, I paid my payments monthly around the due date. Prior to the XXXX payment, XXXX would send me emails every month letting me know my payment was due in 5 days. After setting up auto pay, or so I thought, these emails stopped. I have not received any email from XXXX about anything since XXXX. I assumed, incorrectly, that this meant my payment would be paid automatically. That did not happen. So, I missed my XXXX payment as a result. To this date, I have not received any email correspondence from XXXX letting me know my payment was late. I would have missed the XXXX payment also, but XXXX reported me late to the credit bureaus on XX/XX/XXXX, which I received prompt notice of. I immediately logged on and made both my XXXX and XXXX payments. XXXX called me XXXX time on XX/XX/XXXX, from a toll free number that actually came across as " Unknown '', to let me know my payment was apparently late, but the voice mail only stated they wanted to talk to me about my account with them. I assumed, incorrectly yet again, that it was a sales call. Had anyone let me know I was late I would have immediately made the payment. I have not missed a payment in well over 15 years. I had the money to make the payments. And I thought the auto pay was set up. When I finally was able to speak with someone from XXXX to try to get this resolved, the person told me that they were calling me over and over about this. That is a flat out lie. They called me XXXX time again on XX/XX/XXXX, which again came across as " Unknown ''. Not once did they say my payment was late. They also claim that they spoke to " someone '' on XX/XX/XXXX, but again, that is a flat out lie. They did not speak to me or my wife. They did not call either number. 

I made the payments on Thursday, XX/XX/XXXX for XXXX and XXXX. I then set up auto pay a day later. I have not received any correspondence from XXXX that the auto pay has been set up. I asked why they didn't send me any correspondence letting me know auto pay had been set up. The response that I received was that they don't do that. Every reputable company other than XXXX does that. Every company will also attempt to contact you multiple ways to get their payment. XXXX only called twice. They claim they called more than that, but that is not true. 

Plain and simple ... if my auto pay had been set up like I thought it had been, we wouldn't be in this situation. Since my auto pay was not set up, my emails every month letting me know that my payment was due should have continued. XXXX stopped sending me my payment due emails in XXXX for some reason, but they won't tell me why because they know it would show that XXXX dropped the ball with my auto pay. They also claimed they talked to " someone '' on XX/XX/XXXX, which is 100 % false.
Product: Debt collection

On XXXX, at or around XXXX XXXX MST, XXXX XXXX, On behalf of Lewis , McDonnell & Associates, XXXX XXXX XXXX XXXX, XXXX CA, XXXX XXXX, Initiated a call to my Sister to collect on a debt that was Charged Off as of XXXX. 

She Misrepresented herself and stated that they had been trying to reach my sister and I to collect on this debt. My sister had cosigned for me and that is how they were able to reach her. 

They then threatened her, and stated that they were currently in talks via XXXX with the courthouse and were actively attempting to serve my sister and I subpoenas to appear in court for this Debt. 
They misinformed my sister and I that they would Garnish our wages, Take our stimulus and even put a Lien on my sisters house for the amount. 
The Legal Assistant who spoke with me, Informed me that someone had already reached my sister and was in the works of making a deal to forgive the debt. 

MY sister paid an amount of {$2300.00} to Lewis, Mcdonnell, and Associates after they sent her a collection notice with the amount owed. 
The letter also failed to comply with Federal Law when it failed to include that this was an old Debt ( Older than 4 years in Texas ) and as such, We the consumers, Are not legally obligated to pay it.
Product: Debt collection

I 'm currently in a health situation that is being corrected. In the time frame, I 've been relatively consistent with my bills. I 've temporarily fallen behind on my payments to credit cards and student loans, however, I 've made minimum payments at the very least until this month. Today alone, I 've received 11 phone calls from Citicards.com By the way, they 've setup their website so that I 'm unable to check my balance or view my account online. I 'm forced to visit a branch to make payments.
How am I able to continue working unimpeded, in order to make payments, when I receive 2 calls per hour?
Product: Student loan

I called MOHELA yesterday ( XX/XX/23 ) and I was put on hold for over two hours before I could speak to anyone.

The reason I called is that MOHELA put my account into forbearance that I had never requested, nor did they notify me that they had done so. If I hadn't happened to log into my account, I never would have known.

Once I finally got someone on the phone, I asked them why they put my account into forbearance. The person I spoke to didn't know, put me on hold to find out, and never figured out an answer.

I messaged MOHELA through their website to ask about why the forbearance had been applied and to confirm that the months on forbearance would count towards Public Service Loan Forgiveness, but they have not yet responded.