23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/24, XX/XX/24 ). I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I opened a Capital One 360 Performance Savings account on XXXX XXXX, 2020. 
I applied a promo that promised a {$500.00} bonus is {$50000.00} in funds in kept at the account for 60 days. To ensure the bonus went through, I called a Capital One representative right after to confirm - he promised me that he had applied the bonus to my account. 

On XX/XX/XXXX, the {$50000.00} were transferred by me to this account. 

I called Capital One 60 days after to enquire about the bonus. They said that it might take another 90 days to provide the bonus but the condition that I keep {$50000.00} in the account for 60 days had been fulfilled. 

On XX/XX/XXXX, after over 4 months of keeping the funds at the bank, I withdrew my {$50000.00} given the conditions had been fulfilled. 

Not seeing the bonus again on XX/XX/XXXX, I called Capital One again and the agent told that I just had to wait a few more days and guaranteed the {$500.00} bonus would be applied to my account. 

I still have not received the bonus and Capital One committed blatant fraudulent advertising
Product: Vehicle loan or lease

I called Ally Financial in hopes of extending again my lease one more time. When I spoke to customer service I was told I could no longer extend the lease and that I had to turn in the car if not I would be charged XXXX each day till is returned. Is this even legal to charge XXXX daily? I needed one more extension I had asked for one month can be extended till I got back in the states. I was also denied a one month extension. I am a great payee not sure why something could not be worked out. I was out the country due to my job, the position I carry at my job requires me to travel months at a time out of the country and I could not make it to turn the car in or to at least buy the car out in monthly payments. I know my job situation leaving and coming out the country is not any ones problem but I also can not control when and how long my job will have me out the country on these projects and that is why I called to work something out with Ally till I got back. I was out the country for 6 months and I have arrived back to take care of this. Help me work something out I can not afford XXXX a day that's being placed against me when I have no control of my job situation. Again I tried and reached out to Ally and was denied they extension. I was not even offered any other resolution. Its unfair to know that I tried to work something out and not be offered another solution.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX  despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a propera reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. 
I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Vehicle loan or lease

Good afternoon, I have mailed a payment to my finance company on XXXX and per the money order company it was cashed by my finance company on XXXX. The funds have yet to be posted to my account. My account is now over 60days past due and facing repossession. I am trying to avoid repo action. I have spoken with a supervisor; emailed proof of the money order as well forwarded an email from the money order company to the supervisor. The supervisor assured me that the request was made to research the issue, as well as other representatives have assured me the same thing since I have been calling in regard to this issue. My account has now endured fees, extra interest and my credit has been affected. Each time I have called I am told that my account is under review. It has been too long for no resolution. This is my third complaint with my finance company, and this should not be. If I am being treated of such how many other customers are in this same predicament? Some of the representatives have attempted to collect more of the past due balance by advising me that I owe one amount but in all actuality I owe less. They quote me an inaccurate past due amount. Attempting to collect on an amount that I do not owe. This stresses me even more. I am already taking several medications, and this does not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency Ablility Recovery. Despite sending them a debt validation letter requesting proof of the debt on XXXX they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. XXXX XXXX aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX  XXXX.
Product: Checking or savings account

I received multiple emails about opening a BofA account in my maiden name but at my current address. I have never been known by that name at this address. I changed my name 7 years ago. I contacted them and told them that I did not open the account and that it was fraudulent. They stated that they closed the account and sent me confirmation emails. However, the account is still open and I'm receiving statement emails and online banking confirmations. They have not closed the account even after reporting it as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. USBANK XXXX
Product: Checking or savings account

Received a letter in the mail about an Arvest Acct we didnt open. Called the bank and they said XXXX Accts were attempted to be opened but they recognized the fraud and didnt get it opened
Product: Credit reporting or other personal consumer reports

XXXX XXXX added a late payment on my account for the month of XX/XX/2024, the amount was paid and should not be late.
Product: Credit reporting or other personal consumer reports

By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2020, I requested a forbearance on my home loan with FreedomMortgage under the CARES Act. After an initial delay in action on the part of FreedomMortgage,  which compelled me to file a complaint with the CFPB, a 180-day forbearance was granted and my XXXX mortgage payment was agreed deferred under the CARES Act.  In early XXXX 2020, I phoned FreedomMortgage to cancel the forbearance and issued full payment by bank ACH on the deferred XXXX payment. On XXXX XXXX 2020, I received notice from the XXXX  credit bureau that FreedomMortgage had reported my XXXX payment past due ( in violation of the CARES Act ) and this resulted in a reduction of 93 points on my FICO score and difficulties refinancing my loan through another lender on the same terms and conditions as originally quoted.
Product: Debt collection

I called diversified consultants inc. sometime last month about a collection that appeared on my credit report about an account in the amount of XXXX dollars from XXXX XXXX   and have no idea what this is for. The debt collector told me it was not on file and could no find it anywhere. But then tells me that I have another collection from XXXX XXXX that was not yet reported and I disputed that one they sent me pack a letter saying that it was closed and the wont be able to get info need to verify that account. They are attempting to collect debt without following the guidelines from the fdpca and fcra. They dont have verifiable proof that this account belongs to me or an original contract with my signature the account in the amount of XXXX from XXXX XXXX should be removed at once and I didnt even get a chance to dispute this before the place it on my credit report. If it is not removed I will be forced to take litigation against diversified consultants inc. for damages to my credit.
Product: Debt or credit management

Today on XX/XX/XXXX I received an enclosed letter from Sephora saying that I owed them XXXXXXXX XXXX XXXXI never opened a card with XXXX and even attempted in the past to call them and let them know that it wasnt me.They told me there was nothing they can and it would most likely be posted to my credit if nothing was done about it .I feel like it should be taken completely off my report because I definitely never opened a card with them before.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX auto loan due to they never sent me notice on my repossession car sale and never answered or sent the receipts in the car sale, I believe that the account balance is inaccurate and they refused to show me receipts to show other wise. XXXX denied to follow up with the investigation. Also regarding my account with XXXX, I settled the charge off for a pay for delete, which I showed proof that the account was paid and the creditor also reported a XXXX XXXX balance but it still shows on my credit. Also, my XXXX XXXX account which the account is closed but shows an inaccurate outstanding amount, I showed proof of the amount it should be but it still reports an insane amount. I recently was notified that CFPB has filed a lawsuit against the company experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX  has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it's affecting my chances of getting house and car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, XXXX XXXX is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a XXXX XXXX representative XX/XX/XXXX in which she confirmed on a recorded phone call XXXX XXXX received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( XXXXXXXX representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.
Product: Credit card or prepaid card

On XX/XX/2021 while I was riding bicycle with my friend someone broke into my car and stole my wallet. This can be proven easily by an affidavit from him and the invoice from dealership for the repair. 

Several purchases was attempted on my Goldman Sachs XXXX ( XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX accounts. I was not even in the same city as where the charges were being attempted and I can prove this as well. 

I responded to all authorization request that was texted to me. XXXX and XXXX XXXX XXXX did not approve any transaction. 3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX and 1 on XXXX XXXX XXXX They were all declined except one that was approved by each bank. 

XXXX XXXX have recognized the error and have approved credit to my account. 

3 charges was attempted on Goldman Sachs XXXX XXXX XXXX XXXX XXXX. 2 charges at XXXX XXXX ( {$1500.00} & {$2400.00} ) and one at XXXX ( {$650.00} XXXX. XXXX declined the charge at XXXX and one of the charges at XXXX XXXX. But XXXX approved {$2400.00} at XXXX XXXX. WHY not decline all of them? Screen cap from XXXX card attached. 

XXXX claims that it was me who made the purchase and that is simply false and impossible. I was 30 minute drive away in a different city. 

I am not responsible for this charge hence can not pay it. Please reverse this charges and credit my account.
Product: Credit reporting or other personal consumer reports

Incorrect credit reporting. There are 4 accounts that I never opened or owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and spoke with the Fraud department 3 times, regarding an unauthorized XXXX XXXX inquiry. Customer service at Transunion would not help correct my file by deleting the unauthorized inquiries reporting to my credit report.
Product: Bank account or service

Comerica Bank refuses to send legal proof : Comerica Bank refuses to send legal proof to support withholding {$4500.00} from my checking account. 

My current bank statement does not have a line item to support withholding {$4500.00} from my checking account and why I can not use my Check/ATM Card. 

See attached proof.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING 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, XXXX, XXXX XXXX, XXXX, XXXX 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: Checking or savings account

Subject : Urgent : Unauthorized Fees Charged on Student Savings Account Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a distressing situation involving my student savings account, which was initially held with XXXX XXXX and subsequently migrated to Citizens Bank in XX/XX/XXXX. 

For several years, I maintained a student savings account with XXXX, and during this period, I was never subjected to any fees. However, in XX/XX/XXXX, my account was transferred to Citizens Bank with a balance of {$170.00}. 

Following the migration, I contacted Citizens Bank as I did not receive a debit card or any statements. A representative assured me that I still held a student savings account with them and would not incur any fees. Subsequently, I confirmed my address with the bank and requested a debit card, but unfortunately, it was never received, and all statements were exclusively available online. 

Surprisingly, today, on XX/XX/XXXX, I accessed Citizens Bank 's online banking system for the first time, only to discover that my account balance had dwindled to {$44.00} due to monthly service fees totaling {$120.00}. Shockingly, I was never notified about these fees. 

Furthermore, I recently learned that I also have a checking account with Citizens Bank, utterly unexpected news. Upon speaking with a representative, I was informed that my account was labeled " dormant, '' resulting in imposed fees. Additionally, I was told that fees would continue once I surpassed XXXX. 

As an unemployed full-time student, I trusted Citizens Bank XXXX XXXX funds, believing that my money was secure, especially after being assured that no fees would be charged to my student savings account. This situation is disheartening, as I had planned to use the {$170.00} for my graduation present. 

I am reaching out to you hoping that the Consumer Financial Protection Bureau can investigate these deceitful practices by Citizens Bank. It is deeply troubling to experience such financial losses without any prior notice, and I believe that this situation warrants your attention. 

Thank you for your prompt assistance in resolving this matter.
Product: Payday loan, title loan, or personal loan

Balance Credit contacted me at the beginning of XXXX XXXX  say that i was in default of a loan. I did not take out a loan with them. When I contacted them, they claim that they gave ( transferred into an account ) someone with my name, social security number XXXX  same bank XXXX XXXX  XXXX XXXX ) & my phone number-took out a loan XXXX  they deposited {$1300.00} into the account on XX/XX/2021. 
They did not have my correct bank account number, nor my correct email address. 
After several harassing phone calls from them they told me XXXX  file a police report-which i did. I will also contact the 3 credit bureaus XXXX  notify them of identity theft XXXX  fraud. 
I am getting ready XXXX  retire. I have worked diligently XXXX  pay off all of my debt other than my mortgage XXXX  a truck payment. I do not need XXXX  borrower any money XXXX  I do not want my credit affected by this unscrupulous lender. I have been greatly inconvenienced by their incompetence of not recognizing fraud XXXX  identity theft. 
I want them XXXX  rectify the situation immediately. They can follow up with the bank of the person they deposited the money XXXX  ( By contact XXXX XXXX  finding out who they sent the money too ). I am considering a lawsuit if not taken care of immediately.