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

I had a payment due to Shell Gas Credit Card- Citi CardXXXX on XX/XX/21. I received a payment on XX/XX/21 and did bill pay through my financial institution same day XX/XX/21. I was told my payment would go through on XX/XX/21. Unknown to me it was not an electronic transfer from my financial institution to the credit card company, but a check that processed on XX/XX/21 and not received until XX/XX/21. I asked for a late fee waiver due to one my payments are not as regular as should be due to pandemic and not understanding that payment would be an electronic check instead of ACH into account. Also it is stated on their website that the mail is slower than normal during pandemic times to contact them if experiencing a delay. I've done what was required of me and did notify them asked for a waiver and was denied because they stated they did not receive my payment on time. Normally, I would not complain, but I do find this to be unfair practices. They are allowed to lower my balance to show I have a higher risk concern during pandemic times, which too is unfair. My finances are due to not being able to work consistently during these times and still I am being penalized for the world being deemed in a state of emergency. My only request was to have the late fee waived, nothing else.
Product: Debt collection

Commonwealth financial has reported a collection on my credit reports which is n't mine and is dating back to 2011
Product: Credit reporting, credit repair services, or other personal consumer reports

This information has been disputed before. Please see screenshots. However, all these items are reporting inaccurately.
Product: Money transfer, virtual currency, or money service

As legal counsel, it is imperative to elucidate that the XXXX XXXX of Bank of America, CA has evidently failed in its fiduciary duty to diligently authenticate the identities of account holders. This negligence has resulted in the unauthorized cashing or depositing of funds issued to legitimate entities such as " XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX '' into personal accounts. Consequently, Bank of America bears liability for the wrongful appropriation of funds totaling {$16000.00}. Furthermore, the individual responsible for the unauthorized withdrawals has been charged with a XXXX in the County of XXXX XXXX, California. This occurrence serves as unequivocal evidence of Bank of America 's failure to authenticate identities thoroughly. Additionally, attached herewith are detailed evidence consisting of XXXX checks ( referenced on pages XXXX and XXXX ) along with comprehensive documentation outlining the entirety of the incident. Therefore, it is incumbent upon Bank of America to promptly redress this grievance by reimbursing the aforementioned sum to the aggrieved party. 
Initially, communication was initiated with the plaintiff 's bank, XXXXXXXX XXXX in accordance with standard protocol. However, Bank of America demonstrated a reluctance to engage in collaborative efforts with XXXXXXXX XXXX regarding the incident in question. Notably, XXXXXXXX XXXX  has confirmed solely that the checks were indeed cashed within Bank of America 's domain. Subsequent correspondence from Bank of America attempts to assert that the incident transpired too long ago to warrant verification via their systems, a contention that defies rational scrutiny. Such assertions only serve to obfuscate the bank 's accountability in this matter. Therefore, Bank of America must be held accountable for its failure to engage in due diligence and to rectify the financial losses incurred by the plaintiff.
Product: Vehicle loan or lease

On my consumer credit report. The last day of activity reported to the credit bureaus continues to update. As of my last report it states that my last day active is XX/XX/XXXX. When in reality the last day of activity was in XXXX of XXXX. The debt collector continues to update my active date in order to deceive the credit bureaus.
Product: Checking or savings account

There were six XXXX XXXX transactions that were withdrawn from my checking account that I didnt authorize. Someone obtained my husbands XXXX XXXX information and mine and sent the money to themselves. I filed 2 claims with my bank Chase and they didnt revert the funds back to me because they are saying the transactions were authorized since it matched my IP information from my device. I spoke with XXXX XXXX and they couldnt assist because the transactions arent on my statement. 

XX/XX/24 : {$65.00} XX/XX/24 : {$75.00} XX/XX/24 : XXXX XX/XX/24 : {$170.00} XX/XX/24 : {$28.00} XX/XX/24 : {$16.00} XX/XX/24 : {$80.00}
Product: Credit card

On XX/XX/XXXX, we purchased a refrigerator which had a sign on it that guaranteed 0 % interest for XXXX months on XX/XX/XXXX. We contacted the company because we were not given the 0 % interest. We were told that we needed to supply all the documentation and then we received written response that it was being fixed on XX/XX/XXXX we called the company because it still was not being fixed. We were told it would be done in XXXX to XXXX hours on XX/XX/XXXX. We called again and was told that it was being reviewed today. We were just told that they are having a hard time honoring it because we do not have the promotion code, however we have a picture of the promotion on top of the refrigerator that we submitted. We are getting the runaround. No one is assisting us at the company. We spoke to XXXX XXXX email only as you are not allowed to call and she said they would honor it we now spoke to XXXX, XXXX and Customer Service who says that, they have no control over the promotion department and we have no course of solution. This is advertising and we are requesting your involvement to have this resolved and any actions that can be taken against this practice of the XXXX military star credit union
Product: Mortgage

On XX/XX/XXXX, the mortgage loan officer from PNC Bank received the executed agreement signed by both the seller and the buyer ( me ), specified for a vacant lot purchase. The loan officer assured me they could provide the loan for this property and for me to proceed with the seller. This included a non refundable deposit, that was only applied after I received reassurance from said loan officer that they were confident in the loan and the closing date. One week later, I asked the loan officer about some specific fees on the closing documents, and he replied 'I did not realize this was a vacant lot, we don't offer vacant land loan '. So my deposit is lost due to their error, and the scheduled closing is XX/XX/XXXX. I am yet to hear from anyone at PNC, and have not received any cancellation documents. The mortgage loan officer said I should get a call from his boss on XX/XX/XXXX, and I have received no call. This is unacceptable to put a customer in this position with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( XXXX ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

My granddaughter received care on XX/XX/XXXX under a XXXX XXXX referral. XXXX XXXX submitted an insurance claim under the wrong last name although the correct last name was given along with name change court order and custody paperwork. I was out of town and they would not resubmit claim under correct last name when my wife called them in XX/XX/XXXX. Instead they turned it over to a collection agency called Receivables Management Systems whom are very rude and threatening in their tone and legal threats. I disputed the debt with them. 

I have provided XXXX the renewed authorization number on XX/XX/XXXX and again on XX/XX/XXXX for payment through XXXX. RMS validated the debt with XXXX XXXX on XX/XX/XXXX which is 11 days after XXXX received the new authorization for the insurance claims payment. Instead of removing the account from RMS after receiving an authorization, they validated it with RMS and it remains on my credit report as a collection when I have fulfilled all my legal obligations to resolve this. 

I asked that XXXX remove the account with RMS as an error of reporting, remove negative credit reporting and file the claim with XXXX. The initial problem was a result of a clerical error with last names not matching the original referral which had the correct last name. 

I am just asking for a common sense approach to this as it was really quite simple that XXXX had a referral for the correct last name but a medical claim from XXXX XXXX for the wrong last name. It was denied and patient first never resubmitted under the correct name even though they were alerted to the possible error in filing. 

Never the less, XXXX has now authorized the claim once again and to date, they continue to validate this as a debt to RMS, their collection agency. Additionally, I only received one notice from Receivables Management Systems in which I disputed. They had already placed this on my credit report before validating the debt.
Product: Debt collection

Arbor Professional Solutions is violating federal laws and have sent me a billing statement with billing errors, see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern On XX/XX/XXXX Radius Global Solution put me in to collection for the amount of {$1700.00} Reference number XXXX This is not My bill, I spoke to XXXX XXXX XXXX in XX/XX/2018 and expanded to the lady that this is not me it was my son which has the same name XXXX XXXX XXXX XXXX D.O.B. XXXX S/S # XXXX XXXX XXXX she said that it was his bill not I received a notice form XXXX  that my Credit score went down I called Radius Global Solution and informed them of the era and filed a report # XXXX and with XXXX  Dispute Center in early XXXX report # XXXX and was told it would be removed. 
I received a letter from XXXX dispute results and nothing changed As of now there has been no correction Please help this is preventing me from acquiring a good interest loan
Product: Debt collection

Account Name : RGS FINANCIAL ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Student loan

I am unable to make my monthly payments and feel that XXXX XXXX XXXX misrepresented when taking out these private loans a claim that has been approved by my borrower defense application through the Department of Education ; however, Navient disagrees and says that private loans are excluded from borrower defense and multiple agents tell me that I have no options and need to repay the loans. I feel that misrepresentation and fraud under Federal Rules 34 C.F.R. 685.206 ( c ) and/or 685.222 should apply regardless of the loan type. Navient calls me every hour for the last 45 days to make my payments which I tell them I have been going through a hardship and they do not seem to care or willing to work with me. I have had undue stress and suffered XXXX divorce because of this debt.
Product: Payday loan, title loan, personal loan, or advance loan

I was scammed by a company into some services that were never fulfilled. After attempting to contact the company with no success, I opened a dispute with Affirm providing online reviews and information showing the company participates in deceptive practices. I opened this dispute at first citing unsatisfactory product. I provided evidence that the company admitted the product was unsatisfactory. I received a resolution against me and asked for an explanation since I did not receive my full products and what little I had received was unusable. I was told the dispute was closed. I asked for it to be reviewed and reopened since more evidence had come to light in the meantime. I was told there was no way to reopen. The case. In short, I did not receive a product I purchased from a scam group. The dispute process was not thorough enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an email from Experian informing me that my credit limit had been decreased from XXXX XXXX XXXX. When I called XXXX to inquire, I was told it was because I have not used the card in over a year. This will affect my credit scores XXXX XXXX XXXX  and XXXX score XXXX XXXX XXXX and I don't understand how this can be legal.
Product: Credit card or prepaid card

MY SON XXXX YEARS OLD AND IS XXXX AND HE HAS BEEN SAVING HIS GIFT CARDS TO PURCHASE A NEW VIDEO GAME SYSTEM.. 

THE GIFT CARDS IN TOTAL COME TO {$320.00} THEY WERE ALL FROM T.D. BANK MY SON WAS VERY VERY UPSET AND FEELS LIKE HE NEVER GOT GIFTS ON HIS BIRTHDAY, XXXX ETC. 

I CALLED T.D. BANK TO SEE HOW MUCH HE HAS AS A BALANCE ON THE CARDS AND WAS TOLD THEY HAVE BEEN CLOSED DO TO INACTIVITY ... 

HE FEELS HORRIBLE THAT THE BANK NEVER TOLD OR DID HE LOOK AT THE PRINTING SO SMALL YOU NEED A MICROSCOPE TO READ THEY CHARGE A " MAINTENANCE '' FEE STARTING AFTER 12 MONTHS OF ACTIVITY ( {$2.00} ) ... THEY SAID THAT IS THEIR POLICY ... I AM TRYING TO FATHOM THE THOUGHT OF A FINANCIAL INSTITUTION CHARGING A MONTHLY FEE FOR " MAINTENANCE '' WHEN ALL THE CARDS WERE PAID FOR IN CASH.. 

I HAVE BEEN OUT OF WORK SINCE XX/XX/2020 FROM COVID-19 AND I DON'T HAVE THE MONEY TO PAY FOR HIS VIDEO GAMING SYSTEM
Product: Mortgage

We paid our XXXX 2016 mortgage payment to Citi ( I have proof of deduction from my bank statement ) on XXXX XXXX, 2016. Citi transferred our payment to a different dept and then reported us 30 days late on our credit which is ruining our credit profile but more importantly hindering us from refinancing where we could save over {$800.00} per month. We were not 30 day past due. We have not been late on our mortgage for more than XXXX which I have records and documentation proving so. And the only reason we were late XXXX ago was because we were advised to do so to secure a loan modification. This is a HUGE problem for us and we need this reversed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX Balance : {$5800.00}
Product: Debt collection

Robo call requesting that I navigate to XXXX  due to my collections balance. Nondescript for what the balance is or what the company represents. They identified themselves as " F.C.R. Services ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to remove erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXL, 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 and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

starting XX/XX/XXXX this year I have been unable to access my Equifax information. 

This is the third complaint I filed with you See XXXX You have closed with " the company responded '' but all they have done is send a form letter - they have made no effort to resolve the problem. 

I have submitted my name address driver license and a W2 but all I get from them is another form letter to submit the same information. 

This is awful. 
Please get the company to resolve this and allow me to have a user id that can access my information.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX and XXXXXXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX Property 2 : XXXX XXXX  Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach lending club corp XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX on XX/XX/year>. Sent court document of closed/dismissed account. Dates wrong on credit report, status wrong on credit report. After XXXX  day dispute they updated it again with even more discrepancies on account. Last date payment was made is different than what is being reported and that status. Everything is incorrect and the account needs to be removed. I asked for what the company sent as proof and have no received it.