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

Saturday, XX/XX/2022 XXXX XXXX XXXX XXXX Department XXXX XXXX po box XXXX, XXXX, VA XXXX XXXX -DID NOT INITIATE THE DISPUTED XXXXXXXX XXXX CHARGE OF {$500.00} after Consumer finished Document Up Load TO N.F.C.U. or START DISPUTE INVESTIGATION SINCE XX/XX/2022. 

This Consumer Phone N.F.C.U CONCERNING the UNAUTHORIZED XXXX XXXX XXXX CHARGE OF {$500.00} - PENDING IN CONSUMER 'S ACCOUNT WITH N.F.C.U..

This Consumer phoned N.F.C.U. Unauthorized Charges Department asked the Representative Her opinion. Her Response was it looked " QUESTIONABLE ''. CONSUMER REQUESTED THIS PENDING CHARGE BE DECLINED. REPRESENTATIVE STATED COULD NOT DECLINE WAIT TILL POST. 

SINCE XX/XX/XXXX, XXXX CONSUMER HAD PHONED MANY TIMES FOR N.F.C.U. UPDATES- " ALL PHONE CALL UPDATES STATED- " WAITING FOR ASSIGNMENT. '' BEEN APPROXIMENTLY 21 DAYS, N.F.C.U.CONTINUTED THIS INACTIVE PROCESSI HAS BEEN IDLE. 

CONSUMER BELIEVES N.F.C.U. SHOULD OF DECLINED THE XXXX CHARGE OF {$500.00} AS " QUESTIONABLE " AND AT THIS CONSUMER 'S REQUEST. 
.CONSUMER ATTACHED NUMBERIOUS ATTACHMENTS CONCERNING N.F.C.U. and XXXX XXXX XXXX PENDING CHARGE. 

XXXX XXXX HAS A FRAUDULENT BUSINESS MAILING ADDRESS. 

THIS CONSUMER CALCULATED COSTS AND PUNITIVE DAMAGES- ( {$500.00} PLUS A CONSUMER UNNESSARY PERSONAL LOAN, TO COVER CREDIT UNION LEFT CHECKING ACCOUNT XXXX  CENTS. 

CONSUMER REQUESTED PUNITIVE DAMAGES OF {$50000.00} BUT SEEING THE RETURNED CERTIFIED MAIL ADDRESSED TO XXXX ADDRESS IS A PHONEY ADDRESS, UPED THE PUNITIVE DAMAGES TO {$100000.00} INSTEAD OF THE XXXX 

THIS FINANCIAL CRIME COULD HAVE BEEN AVOIDED BY N.F.C.U. 'S DECLINDING THE {$500.00} IN THE FIRST PLACE. 

C.F.P.B. 'S XXXX XXXX XXXX  COMPLAINT ID : XXXX. 
CONSUMER UP DATED XXXX XXXX XXXX PUNITIVE DAMAGES TO {$100000.00}. DUE TO THEIR CRIMINAL FINACIAL CRIME. 

PLEASE REFER TO ATTACHMENTS BELOW.. 

.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 paymen t reported in 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 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

Upon further investigation I have found serveral fradulant closed accounts on my credit report which include ... XXXX XXXX {$590.00}, XXXX {$0.00}, XXXX XXXX  {$0.00}, XXXX  XXXX XXXX {$0.00}, and XXXX XXXX XXXX XXXX XXXX$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. **Account Name : ** XXXX XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My EQUIFAX Credit Report This company is in collection and it also sold my information to another company which is also in collections. In the name NCS ( NATIONAL CREDIT SYSTEMS ) Upon reviewing my EQUIFAX credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

in XXXX or XXXX a women claiming to be sales person for XXXX XXXX came by our home which is also our listed place of buiesness i was on a phone call inside my husband and partner outside working with our employees> who are were also witness to the meeting> my husband and i both told her the same thing we have internet with XXXX a private foirm no contract and we are happy with them and not interested she acted as if she just wanted to rest and stay cool for a min and myself and an employee talked with her and finally i told her i needed to get bnack to woerk we had two customers dropping there trailers off to get work and i dont do just paperwork and i appologized. the next day boxes arrived from XXXX like they had already been ordered and were sitting on my porch i calleed XXXX and told them the needed to deal woyh picking them up and i wasnt accepting them and the situation and a XXXX guy picked them back up next thing i know i have been rebuilding my credit after my exhusband unknowingly to me ruined my credit so my current husband and i can purchase our first home> we are going on a year of disputing the charges through the credit bureau and charter having them removed and then the collection agency putting them back on my credit. this has caused irrepuobal damage to my relationship and my credit as well as kept us from being able to move from a really aweful living situation that has gone so far now as to my husband was just XXXX right ouside our home but a family of XXXX people were at any given time they had XXXX people XXXX on my husband his XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  and body> we live in a small XXXX town and it is hard enough finding in our up and coming town land and a home even less so when your credit cant be improved> please help us and if i am not mistakjen this is also on my husband XXXX XXXX XXXX report and our buiness report> THanks XXXX XXXX XXXX Owner operator and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received 3 calls so far at my place of employment regarding an outstanding debt. I have told them each time to please quit calling my work and send information to my address which they already have. <P/>The place is called Global Solutions and their number is XXXX. I have also noted on my phone at work that they have called several times when I was away from my desk and did not answer.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ Jefferson Capital System ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ Jefferson Capital System ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ Jefferson Capital System ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Product: Student loan

Hello, I paid off my Firstmark student loan on XX/XX/XXXX. I called in today ( XX/XX/XXXX ) to ask that the account be updated to reflect PIF instead of in repayment. I was told that their systems take 20 days to update from rpmt to PIF, to allow for bounced payments, etc. I then requested that the PIF status be expedited, and was denied. I asked when my account reports next to the CRAs and was told that Firstmark is a month-end reporter ( so, XX/XX/XXXX ). However, if it takes 20 days to update the account to PIF, my thought process is that on XX/XX/XXXX the account will report open/current with a {$0.00} balance ( illogical reporting condition ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit completed and sent to company showing this account was not opened by me. No documentation from regional finance has shown that I took out the loan. Police report filed. Disputed with all 3 credit bureaus. Still not removed from my credit report.
Product: Checking or savings account

I have been a victim of identity theft and my Bank of America account ending in # XXXX was compromised due to my information being stolen. I have tried to resolve with BOA numerous amounts of times but have not been given fair results.
Product: Credit card

I arrived from an XXXX XXXX XXXX XXXX trip in the XXXX on XX/XX/XXXX. I was in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I was able to use my credit card a few after arrival and received an email notification from Bank of America of possible fraud activities with my credit card account. I immediately reviewed my account online and noticed multiple fraudulent activities in the amount of approximately {$3000.00} plus. I immediately notified bank of america of fraudulent activities involving my credit card account. Bank of America initiated their investigation of the credit card activities as noted on my XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. A letter was sent to me Bank of America dated XX/XX/XXXX stating that the bank has completed their review of my fraudulent activities complaint that found I am still responsible for {$1700.00} and that my account was credited a total of {$180.00} with itemized on charges that the bank found that I am still responsible. I reviewed the letter and submitted a letter to the bank disputing their findings since many of the charges except for the {$710.00} out of {$1700.00} were fraudulent charges on my account. These charges were not done by me. I immediately submitted a payment of {$710.00} to my account on XX/XX/XXXX as my full payment for charges that I am responsible for on my account. I disputed the remaining amount of {$1000.00} by send a letter to Bank of America that was mailed on XX/XX/XXXX. Many of these charges were gasoline station ( XXXX ) charges often done the same day. As per my account history, I do not normally use XXXX for filling up gas but may have used XXXX may be XXXX per year. I usually go to XXXX 's gas station for filling up gas. Other fraudulent charges that the bank has found me responsible were fast food items such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. These charges were not done by me. Since mailing the my dispute letter on XX/XX/XXXX, I have not heard anything back from Bank of America. I called Bank of America on XX/XX/XXXX to follow up of my dispute and was told that they have received my letter but was told that their investigation finding is final and that I am responsible for the full amount of {$1700.00}. I am therefore submitting this complaint to CFPB to voice my complaint as I am continually being asked to pay for charges that were fraudulently charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and ss #
Product: Mortgage

THIS IS A NEW COMPLAINT. Prior complaint XXXX was rejected due to a document not showing when scanned and sent. 

This complaint is being filed on behalf of XXXX & XXXX XXXX, they purchased their home home a year ago. The owners work long day hours which makes it difficult to make contact, and they are not familiar with how they can correct this alleged payment issue. 
Mortgage is with Ditech who has the correct phone numbers, address and emails. 
The entire monthly payment with impounds is made via AHC ( automated pmt ) and have all been made timely.

The Servicer/Lender made no proven, documented effort to notify the homeowners by any means regarding ANY changes to their monthly payments due Ditech. There was no form of communication received from Ditch that the real estates taxes had increased and to adjust the monthly payment, this is what the tax service fee at closing is for -to notify all of what will be due upon the next cycle and make adjustments as needed. 

Their was @ {$30.00} increase to the taxes monthly, that the owners needed to pay. Without any proven documented communication the payment was rejected ( see attached ), then charged late fees. 

When viewing the attached monthly statements please note that there had been sufficient funds to cover the shortage regardless, then notify the Owners to increase their auto- payment amount thereafter.
Product: Checking or savings account

I received an email from the bank on XX/XX/XXXX that there was a temporary restriction on my account, instructing me to call them. I called and was informed that my new account was being closed because I had transferred money to my account via ACH transfer from a third-party account. I explained that I had called before making this deposit and was told this was okay, I didn't know I was violating a policy ; however, if they were closing my account, I needed to know when/how I would receive my deposits back. The representative hung up with no answer. I called back and the next representative tried to help me but did not have any information as to when I would receive the money back. Today ( XX/XX/XXXX ) I called and spoke with another representative who said the account is still under review for closure and they could not tell me when the account would be closed, nor would they provide me with any information regarding the return of my initial deposit of {$50.00} or the ACH deposit of {$2100.00}. I asked to speak to a supervisor and I was told that this person is my last contact and he hung up on me. I need to have the account closed and the money returned to me promptly. I have not attempted to withdraw any funds from this account since its opening ; however, at this time I do want the funds returned to me immediately. Any assistance you could provide would be greatly appreciated. These funds are the only money I have to pay my bills and buy food or prescriptions. Please advise as to how I should proceed. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Credit Cards are showing a deliquent account that I never applied for. 

The account is also registered to an address I have never lived at
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to work with Transunion & XXXX XXXX XXXX ( XXXX ) with removing the collections from my report. These attempts has gone ignored. I was able to reach out to my account with the original creditor ( XXXX ), to obtain the proof that this debt was paid on-time and in full. I have also asked for debt validation & verification for the other collection account ( XXXX XXXX XXXX ), but I have not received any documentation for this account. 

Also, for over a year now Transunion has made it almost impossible to file a dispute online.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I contacted the U.S. Bankruptcy Court via telephone to inquire about their method of verification regarding information provided to credit reporting agencies. During the call, the court confirmed that they do not verify or communicate any information with credit furnishers or reporting agencies. On the same day, I also sent a letter to the court to document this inquiry. 

The inclusion of bankruptcy-related information on my credit report violates Rule 9037 of the Federal Rules of Bankruptcy Procedure, 15 U.S.C. 1681 under the Fair Credit Reporting Act ( FCRA ), and 15 U.S.C. 6802 under the Gramm-Leach-Bliley Act. These laws and regulations collectively require the protection of personal information, the accuracy of credit reporting, and proper handling of consumer data. The reporting agencies have failed to conduct a thorough and reasonable investigation, as required by the FCRA, to ensure the accuracy of the information reported. 

As the inaccuracies have been identified and can not be verified through proper channels, I am requesting that the inaccurate bankruptcy-related information be deleted from my credit report as a form of correction. Failure to address these violations will leave me no choice but to seek legal relief to enforce my rights under these laws and regulations. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX has had me submit the same documentation for 6 years and then transferred my file to Carrington Mortgage Services and now trying to foreclose on my home.
Product: Vehicle loan or lease

I leased a vehicle on XX/XX/XXXX for 3 years on XX/XX/XXXX2023 I traded the vehicle in prior to end of lease. The dealership I purchased the new vehicle from sent the pay off check which was recieved by ALLY XXXX on XX/XX/XXXX in the amount of {$49000.00}. 

On Monday XX/XX/XXXX I noticed ALLY had recieved the check via their app and contacted them thru mobile chat and spoke with XXXX asking why my account showed I still had a payment due XX/XX/XXXX. I was told I had to get the dealership involved and they would provide me little to no information. In the several attempts the dealership contacted ALLY they have been given the run around. 

The dealership was told the week of XX/XX/XXXX to give it 3 to 5 business days for the payment to process. 

I then contacted ALLY customer service on XX/XX/XXXX and they advised me they had the check and not to pay the payment due on XX/XX/XXXX. 

On XX/XX/XXXX the dealership again contacted ALLY ( as now my account is showing I am past due on my payment ) ALLY advised the dealership they had not recieved a form that I had sighed on XX/XX/XXXX and stated they aren't processing the payment due to this form being missing. A month after the deal was done they had not attempted to reach out to me or the dealership in an attempt to get this form.
Product: Debt collection

This same alleged debt has been reported at least 5 different times now since I stopped doing business with XXXX in 2017. It took 2 years a 3 disputes for anyone to provide me with itemized details on what I supposedly owed. XXXX originally claimed ( by way of a rep at my door ) I had failed to return equipment which I never had and then eventually changed their story to saying I owed them for service several months after I switched providers and explicitly canceled them. 

I believe the constant re-reporting on the same fabricated debt is a blatantly fraudulent attempt to side step time limitations imposed on credit reporting. Stop being XXXX XXXX XXXX, this is why everyone hates you.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the XXXX XXXX  XXXX account XXXX i am asking you to verify as accurate