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

At XXXX on Monday, XX/XX/year>, my company ( XXXX ) received a phone call from XXXX XXXX & XXXX XXXX XXXX for a status of payment on overdue Invoice XXXX in the amount of {$28000.00}. 

XXXX paid this invoice on Wednesday, XX/XX/year> ( Check # XXXX ), mailed the same day. XXXX co-owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that the check cleared on Monday, XX/XX/year>. 

However, upon further investigation, it appeared as though the check was altered ( see copy of cleared check ). On the Pay to the Order of line, instead of XXXX XXXX XXXX XXXX, it said, XXXX XXXX. 

The check appears to have been deposited into a Fidelity Account. 

It is unknown why it took XXXX to take 4 months to notify XXXX of the non-payment of the invoice. 

Immediately, XXXX XXXX contacted her XXXX  XXXX, recognizing that it was a bank holiday ( see copy of email ), as well as XXXX accountant. 

The next day ( Tuesday, XX/XX/year> ), XXXX XXXX at XXXX Bank XXXX XXXX and included a Fraud Packet to complete. With XXXX signature and notary, XXXX submitted the paperwork back to the bank immediately. 

I filed a police report with the XXXX XXXX  XXXX on XX/XX/XXXX. That Case was documented by XXXX XXXX and is # XXXX. Detective XXXX is on the project, his phone number is XXXX, ext XXXX On Friday, XX/XX/year>, I received a letter from XXXXXXXX XXXX denying the claim, telling me I took too long to tell them of the problem. 

The problem was not known for 4 months! Using positive pay in our XXXX Account, I saw that the check cleared on XX/XX/XXXX. It's not reasonable to assume I would have dug further to ensure that the name on the check was still the way I made it out. 

Additionally, Fidelity never should have cashed or deposited this check. They did not do their due diligence in depositing funds off an altered check to a sketchy, newly-opened account. 

I am out {$28000.00} x XXXX, since I had to pay my vendor. 

I run a small business and {$28000.00} is a lot of money!
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and Capital One with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquirie reporting on my Credit Report : XXXX XXXXDate of Inquiry : XX/XX/2021 2021
Product: Checking or savings account

Chase deducted {$95.00} annual fee for safety deposit box from my checking account in XX/XX/23. I closed safety deposit box approximately 5 years ago. Chase says its still open. Their error. I live in different state and am handicapped. Chase branch says I have to come back to CT and have locksmith drill open box. I turned in key 5 years ago when box closed. Each year I got a bill I dealt with bank and the bills were credited. This year they just took out the fee from my checking account. I need my money and want them to stop billing me for something I no longer have.
Product: Debt collection

the apartment sued me claiming l didnt pay the rent which l paid, at the court they withdrew the case and the judge dismiss the case only to ask me to vacate the premise and they had me in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I accidentally deposited a personal check to my business account on XX/XX/XXXX, when I realized what I had done I immediately tried to cancel it out a stop payment delete it and I was told I couldnt do anything. I tried leaving a note on the account contacting TRUIST and nothing. On XXXX my business received payment via swift same as it had been and all of the sudden bills werent paid employees checks returned the works. I called in daily and finally was told they were investigating the account even though I had already informed them gave them information on what happened and everything. I was calling up to 4-5 times daily they refused to escalate because we hadnt had an account for two years I was lied to told they would release my funds and this drug out for over a week while I was informing them not only were my employees unable to pay bills but they were shutting off our internet phones web services not to mention I couldnt pay our salary in order to feed my children get gas or groceries. They then told me they were ending the relationship for fraud after I kept pushing and going into the branch gave me a check I cant deposit or cash because they forced closed our account and we have suffered irreparable harm on a business and personal front. I spoke to supervisor after supervisor and was even told by a bank agent they push all this digital on people but one honest mistake is easily overlooked as AI looks over the accounts and puts bad feedback in paychex and causes no bank to work with you. I have a XXXX check and no where to put it they gave me no options no ability to pay outstanding bills and are completely screwed. After they decided to end our relationship they also then said they had to review our swift payment we had gotten over a week and a half ago as if they did not negotiate and settle and accept the payment on the first. This is one of hundreds of cases that is able to be seen to customers from this bank. I need help removing these disparaging remarks and keeping us from opening an account to run our company we started back in XXXX not to mention so I can pay our bills. This has drained our personal accounts dry trying to keep us afloat XXXX we survived but TRUIST is going to take us out? Please I beg someone to do something to stop this sketchy institution. They are the ones committing shady acts. please help we cant survive much longer before it puts us out of business
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX bank XXXX {$3800.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this back in XXXX and haven't heard back from Equifax until yesterday, I also disputed with XXXX. Equifax continues to mail XXXX XXXX XXXX, And my name is XXXX XXXX no middle initial. I was told to be exact on your name. And my name is XXXX XXXX15.US Code 1681 E ( b ). 15.US Code 1681 ( 5 ) ( a ) Accuracy. 15. US Code 1681i ( 5 ) ( B ), Reinsertion of deleted items.
Product: Debt collection

I just happen to look on my credit report and seen two inaccurate report on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information that continues to appear on my credit report despite my previous efforts to have these errors corrected. As a resident of New York, I am aware of the recent lawsuit filed against Equifax by the New York Attorney General, which highlights the ongoing issues with Equifax 's handling of consumer disputes. I believe my experience aligns with the allegations raised in this lawsuit, as Equifax has failed to conduct proper investigations and has allowed erroneous information to persist on my credit report. 

The following accounts listed on my credit report contain inaccurate and unverifiable information and should be removed immediately : XXXXXX/XX/XXXX- {$1100.00} XX/XX/XXXX- {$79.00}XX/XX/XXXX - {$2300.00} XXXXXX/XX/XXXXXXXX XXXX {$1300.00}XX/XX/XXXX XXXX XXXX {$2100.00} Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate disputes and ensure that only accurate, verifiable information is reported. I am requesting that these accounts be deleted from my credit report unless Equifax can provide documented proof of their validity. Failure to do so within the legally required time frame will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's office. 

Please provide me with a written response within 15 days of receipt of this letter, confirming the deletion of the disputed accounts or providing documentation validating their accuracy. Enclosed with this letter are copies of my identification and relevant documents to facilitate your review. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX and TransUnion refuses to remove me from being lates on XX/XX/2021 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}
Product: Checking or savings account

This past Friday ( XX/XX/XXXX ) I did my usual cash withdrawal in the Bank of America branch ( part was used for my sinking funds, the remainder to finish some savings challenges ). After hours and having completed several savings challenges, I had {$410.00} that I had saved, and I went to the drive thru ATM in XXXX XXXX  SC. It was after hours, and I really should have gone in to see the teller on Monday, but I risked it. The ATM spit out an error and none of the {$410.00} was credited to my account. 

I got the receipt and called the number on the paper, which was to the Claims Dept. The lady I got on Friday evening told me I would get a temporary credit by Tuesday ( XX/XX/XXXX ). I began refreshing my BofA app starting at XXXX on Tuesday, as I really wanted to use these funds to help with car maintenance. Unfortunately, the funds were never credited to my account. In a state of panic, I called the Claims # again, but this time I was told that it would be XX/XX/XXXX before I would even see a credit, but that they would put in a hardship escalation to get my funds in my account. 

I happened to be in the XXXX XXXX branch this afternoon, cashing a check and mentioned it to the Bank Mgr, ( XXXX ) who was very kind. She told she would follow up with the claims department as well. In the meantime, I called the Claims department on my own, and was again told that the escalation was denied and that my deposit required more investigation. All of this made it seem like I was under investigation personally, which is wholly unwarranted and entirely mean spirited. 

All I am asking is that the funds, my {$410.00}, be credited to my account as promised, immediately and without delay. In return, I will refrain from using the ATM for any deposits or withdrawals going forward. I know this email is a long shot to get what is mine, my money that I worked so hard for and saved by being diligent, just credited to my account. 

Any help in escalating or resolving this matter would be greatly appreciated.
Product: Mortgage

I had previously filed a complaint with your bureau back in XXXX of this year, case number XXXX. My complaint concerned harassing phone calls, notices relating to the intent to place forced insurance, and a late payment notice. In it 's response SLS brushed over the insurance issues and phone calls ; however, SLS claimed that in XXXX of XXXX it did not receive my payment until the XXXX of the month. The ledger sheet that they provided in response was not the typical ledger that you would find if you were to go to a lender 's website. SLS claimed that out of the goodness of its heart it waived the late fee. On XXXX XXXX XXXX, I responded to the blatantly false response of SLS and I provided my statement of XXXX XXXX, obtained from the website of SLS, that showed my payment was actually received by electronic transfer on XXXX XXXX, XXXX. I 'm not sure when my XXXX response was reviewed by SLS, but they have now taken to placing my mortgage payment in a " suspense account '' as if it were a partial payment, and not providing me with credit for the payment for a period of 3 days. As is evidenced from the statement, my mortgage payment is approximately {$580.00} and I have paid {$600.00} each month. I have been paying this amount consistently, and they have applied the overage to principal. There is no reasonable explanation as to why my payments would now be placed in a " suspense account '' other than to create a late fee. The transaction statement on their website indicates that my payments have been received when they " arbitrarily '' decide to take my money out of this " suspense account. '' I do n't know if this impacts what we pay in interest on the loan. When I contacted SLS and asked to speak to a supervisor, he was at a loss as to why this occurred. This conduct is beyond the definition of bad faith, and this lender must be reigned in.
Product: Credit reporting or other personal consumer reports

This is to inform you that I've recently pulled my credit report and noticed that theres a collection from your agency on my credit report. I have never been notified of this collection. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded in your file at the time of this request. Please don't respond to my request by saying that these accounts have been verified. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted if you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 
Accounts listed below : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Late Payments under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX XXXX XXXX for inaccurate information on my credit report related to late payments. These late payments have been erroneously reported and are inconsistent with the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). CARES Act During the national emergency period due to COVID-19, I applied for and was approved for a
financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, my account was supposed to be reported in a favorable status as a payment deferral was granted. Despite complying with the terms of this program, my credit report shows late payments, which constitutes a violation of this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. In this case, the information on my credit report is inaccurate and is unfairly damaging my credit history. I request that the CFPB intervene to ensure that a proper investigation is conducted and that the incorrectly reported late payments are removed.

Truth in Lending Act ( TILA ) Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and complete terms, as well as accurate communication regarding any loan modifications. I was not adequately informed by XXXX XXXX XXXX A about how the relief program would impact my credit history, which is a violation of TILA.

Request For these reasons, I request that the CFPB intervene to investigate this matter and ensure the removal of the inaccurately reported late payments from my credit report. I am attaching supporting documents that demonstrate I was part of a financial relief program and that these negative reports should have been avoided.

I trust the CFPB will take immediate action to resolve this issue in accordance with the applicable laws and in the interest of consumer protection.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I recently sold my house, after which I owed my utility {$1100.00}. After my move  on  XX/XX/XXXX , I notice d a letter fro m Allied Acco unt Services at  XXXX   XXXX   XXXX ,  XXXX  NY. I called  on  XX/XX/XXXX  and  paid {$500.00} with the understanding of paying the balance  in 2 week s. During this time, my wife and I are looking for our new home for our children. I 'm in the beginning process for a new mortgage when I 'm told m y credit score  dropped over  XXXX  points due t o Allied rep orting me as delinquent for {$620.00}, after making an initial {$500.00} payment. This now causes a large increase in my financing rate as well as which type of mortgage I qualify for. I called them and they offered no assistance other than stating they follow fair credit policies. This is not fair and not necessary and I 'll be paying for this for years!
Product: Debt collection

Hello, I just got out of the phone with XXXX XXXX XXXX XXXX in regards to a collection that shows on my credit from PERFECTION COLLECTION LLC. They mentioned that they are now holding the debt the original creditor ( XXXX  ) and the balance was paid and they agreed to remove it from my credit report. 

XXXX is home security company that sold the debt to Perfection Collection company and they hired XXXX XXXX XXXX XXXX to collect. Please see the attachment that the balance that's reporting on my credit reporting agency are wrong and they've agreed to remove it.
Product: Bank account or service

I opened several personal 7 month personal CD accounts for my minor relatives at Chase NA on XX/XX/XXXX in the amount of XXXX each. The accounts were moved to the XXXX Comptrollers abandonded Funds Account. On XX/XX/XXXX I went through he process of locating my funds for the XXXX accounts. XXXX of the accounts were delivered in full when the grown up minors processed the request. In one of the accounts the amount returned from the abandoned funds account ( XX/XX/XXXX ) was XXXX instead of the full amount of XXXX. We have not been able to get an answer as to what happened to the balance of our money. I never took any withdrawals so I do not understand how my money was reduced and returned to me as a XXXX check from the NYSComptroller Abandoned Funds Account. I put XXXX into the CD on XX/XX/XXXX with standing instructions to " credit to CD and at Maturity, add it to the Principal and renew XXXX. I never took any withdrawals so I do not understand how my money was reduced and returned to me 0n XX/XX/XXXX as a XXXX check from the NYSComptroller Abandoned Funds Account.I need to get the balance of my money.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, XXXX, and XXXX Dear Consumer Financial Protection Bureau, This letter serves as a formal complaint against the three major credit reporting agencies TransUnionfor their failure to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. 

Despite my previous efforts to dispute the incorrect reporting of late payments on my credit report, related to my Auto Loan with XXXX XXXX XXXX, Account Number XXXX, the issue remains unresolved. These disputes were filed on XX/XX/XXXX and XX/XX/XXXX, and despite providing clear documentation of the errors, the agencies have failed to correct the inaccuracies. 

This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. Additionally, this issue falls under the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasize the need for accurate and timely reporting by creditors.

Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. As the credit reporting agencies have failed to meet their legal obligations, I am prepared to seek damages and legal costs. 

Relevant Case Law : Cushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that credit reporting agencies must conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. Failure to do so XXXX result in liability for damages. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : This case demonstrated a violation of XXXX, emphasizing the creditor 's obligation to provide accurate billing and payment notifications. 
Final Request for Resolution I request that the CFPB intervene and ensure that the XXXX credit reporting agencies correct the following inaccurate late payment entries on my credit report : Date of Late Payment Report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Failure to correct this information within 10 days of receipt of this letter will force me to escalate this matter further. This includes filing additional complaints with the Federal Trade Commission ( FTC ) and my states Attorney General 's Office. Moreover, I will proceed with legal action to recover any damages resulting from the ongoing inaccuracies in my credit report. 

Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to the CFPB 's prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

They call multiple times a week and I have not received any written communication from them.