23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear US Auto Credit, I am writing to express my concern regarding the late payment charges that have been applied to my account. I have noticed that I am being billed a late payment almost every two weeks, and I would like an explanation as to why this is happening. 
Furthermore, I have reviewed my statement and noticed that the total late payment charge is only {$52.00}. However, in my own calculations, I believe that I have incurred over $ XXXX worth of late payment charges. I would like an explanation as to why there is such a discrepancy in the amount charged. 
Additionally, I have noticed that the statement covers a date range from XX/XX/XXXX to XX/XX/XXXX. I would like to understand why this range is so extensive and if there are any updated bills that have been sent since that time. 
Furthermore, I have noticed that each biweekly late payment is vastly different from the other. I demand a detailed explanation of each late payment and the charges associated with them. I would like to receive this information in writing. 
I am very concerned about the charges being applied to my account, and I demand a full and detailed explanation as to why these charges are being applied. I expect a prompt response from you on this matter. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX THIS IS AN ATTEMPT TO DISPUTE A BILL
Product: Debt collection

Student loan was in XXXX included it in bankruptcy in XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Bank account or service

A few {$1.00} and {$2.00} " Service Charges '' appeared on my business checking account. They are not itemized or described on the statement. When I called and asked the bank manager about them initially XX/XX/XXXX, she said they were fees for international transactions. Today when I called to ask about these continuing charges ( among other things ), the current manager gave a similar explanation, saying the fee is for " international ACH transactions. '' This does not make sense because XXXX, the medium through which I was making the cited payments, is a domestic business, and any ACH transfer involved should be domestic, regardless of where the money ends up. I pressed the manager at my branch about this, but she insisted it was for international transactions, and by the end of the call she was insisting it was a " fee from XXXX, '' which makes even less sense because XXXX has not been involved with any of these transactions. I confirmed with XXXX support that these transactions are not international in nature and so should not be incurring " international '' service charges from my bank. I think Comerica is charging an unnecessary and unjustified fee without proper explanation.
Product: Credit card or prepaid card

On XX/XX/2021 XXXX Limited $ XXXX $ XXXX {$670.00} I filed a Dispute With Chime Banks Dispute Dept. , Was Given A Time Frame Of 90XXXX, that they would have a final decision to refund the said amount listed above, it is now 90 days today they still haven't made a decision, nor have they returned my funds, it's been constant game playing for 90 days, now they are saying that have all night to make a decision because they're open XXXX. I asked for a provisional credit since I've waited for so long, I was told that my particular transaction does not qualify for a provisional credit. Then, when I called them again at XXXX XXXX  on Untitled ticket XXXX XX/XX/2021, now its at the end of their business day ends at XXXX XXXX  on Saturday. At XXXX I Spoke To XXXX manager on duty Chime employee ID XXXX, Who is now saying that My Claim Was Actually Supposed To Have A Decision on XX/XX/2021, instead of XX/XX/2021, she has to now escalate it to the investigations dept. to, make the final decision, and someone will reach out to me within 3 business days After I already waited 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Transunion since XX/XX/2020 and they have yet to respond to any of my dispute request at all ... Yes, we all had to deal with the pandemic last year but this is just sad that they are failing to respond to any dispute request that they receive in the mail and this is totally unacceptable ... As you can clearly see the date on this letter and several more has been sent since then and they can no longer keep blaming the pandemic. I am officially filing a complaint against them and so should other consumers ... You all need to start holding these Credit Bureaus accountable for NOT DOING THEIR JOBS!!!!! 

I disputed several items and I am uploading the letter now and I want these negative items deleted immediately as they have had more than enough time ... 6 months later and still absolutely NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The credit counseling company helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For XXXX XXXX years, we made payments to the credit counseling company and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even Experian, XXXX, and XXXX XXXX. One of the companies that we have struggled with is XXXX XXXX. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to Experian, XXXX, and XXXX. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but 65 late marks on our credit? On XX/XX/XXXX, we sXXXX XXXX XXXX XXXX XXXX XXXX again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXXXXXX XXXX  or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXXXXXX XXXX  and all three agencies. At this time we requested that XXXXXXXX XXXX send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXXXXXX XXXXXXXX requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to XXXX, Experian and XXXX XXXX we were once again told the found the information to be accurate. We don't understand how this is possible.
Product: Credit reporting or other personal consumer reports

There are multiple names and address on my report that are incorrect. Ive called to have them removed by no help was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX
Product: Checking or savings account

Account was used unauthorized charges, company said they would close the account, and issue a closure check in the amoumt of XXXX Chime is now saying account is now negative, and no check was issued.
Product: Credit card or prepaid card

This is reference to the original compliant CFPB # XXXX, filed XX/XX/XXXX toward Fifth Third Bank. 

The above complaint through the CFPB was declined by Fifth Third Bank for {$18000.00} to XXXX  because they enforced the fact that this complaint was filed outside of the sixty ( 60 ) day timeframe allowed under Regulation Z. Even though I first filed a dispute with Fifth Third on XX/XX/XXXX and did not get an answer until XX/XX/XXXX ( 3.5 months ). The Dispute Dept Supervisor hung the phone up on me when I was trying to get an understanding of their process. 

I charged portions of the XXXX fee ( {$85000.00} ) on other credit cards at the same time ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX as directed by XXXX and those financial institutions did not enforce the sixty ( 60 ) day limit and REIMBURSED ALL MY XXXX   CHARGES. 


I was schemed into believing the purchase of a XXXX business would benefit my family for years into the future. I was only able to participate in XXXX activities for ten ( 10 ) months, XX/XX/XXXX through XX/XX/XXXX. 

I have attached a XXXX document outlining the services/products I was supposed to receive under my life time XXXX  purchase and marked those services/products I received and those I did not. As you can see, the services/products are too numerous and extensive to comprehend within a sixty ( 60 ) day timeframe per Regulation Z. I was not able to take advantage of all the services/products offered because the Federal Trade Commission ( FTC ) discovered the fraud and shut down MOBE XX/XX/XXXX. 


This complaint is made toward Fifth Third because a ) they do not follow the same standards as other financial institutions who waived the 60 day timeframe limit. Why did every other financial institution find the disputes in my favor and Fifth Third did not? b ) I did not receive all services/products I paid for due to legal action by the Federal Trade Commission toward XXXX. 

All FTC court proceeding documents can be found here ; XXXX XXXX XXXX
Product: Credit card or prepaid card

there were charges on the elan financial cc that were NOT made by me or anyone i know. that was in about XXXX XXXX i found out about this about XX/XX/XXXX as we had moved in XX/XX/XXXX and the mail was not forwarded.when i found out i researched what company had the charge ... XXXX  XXXX ... i am not a member or ever have been. XXXX credited the charge back to XXXX..so why does elan still show me 20 days late for a payment when i never bought the product, never received a bill and it was paid back by the XXXX XXXX..please do something about this fraud company, elan.
Product: Debt collection

Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and XXXX is still reporting account as no paid. Please remove account from credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX - Date Opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sction 602 States I have the right to privacy.

15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

Nelnet did not provide me with an answer for my recent inquiry. Nelnet 's answer was for another or previous inquiry and they are not the same. 

I would like to know how many cumulative years I have been on the income driven payment plan and similar programs since I still have XXXX student loans that must be paid. 

I am trying to find out about my eligibility for a discharge of my XXXX loans.
Product: Credit card

This is regarding a backdated interest charge from Comenity Financial/Bread Financial , which manages customer credit accounts for XXXXXXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, I made a purchase online from XXXX XXXX XXXX totaling {$2100.00}. The promotion for this purchase was 18-month interest-free financing. The expiration date for this was XX/XX/XXXX. 

My due dates each billing cycle are on the 2nd. This falls 3 days AFTER the balance subject to interest was due. On XX/XX/XXXX, I mistakenly made my standard payment rather than the balance in full. 

On XXXX/XXXX/XXXX, I was charged {$950.00} in backdated interest that would have begun accruing from the date of the original purchase. 

On XX/XX/XXXX, when I had realized my error ( because of credit notification services I've signed up for ), I called Comenity and asked that they please remove the charge and in exchange, I would pay the entire remainder of the balance. They refused to work with me and claimed that they did not have the ability to do this ( which I know is not true ). I requested to speak with a supervisor and was told the same thing. Furthermore, they told me if I had called within 3 days, they could have removed the charge, but now that it's a week and a half later, they can not work with me. I called two additional times to try and correct the matter and I had no luck. 

Their method for reminding customers that a promotion is expiring is intentionally non-transparent. The XXXX statements have a notice with the date of expiration, but nothing else. Most other companies make it clear within the online account that there is an upcoming expiration, and they additionally send emails to make clear reminders to the customer. Many other companies no longer charge backdated interest when they offer a promotional interest period. They simply begin collecting interest on the remaining balance. 

This is highly predatory and is unreasonable, per the CFPB 's reasonable consumer standards. 

While I am aware that I would have entered into an agreement with the credit card company by nature of applying for the card and making a purchase, I do not believe that actions taken by Comenity are acceptable or fair for consumers, and their lack of cooperation has placed undue financial pressure on my family. 

Furthermore, I do want to make it known that Comenity has a strict late fee policy coupled with a time-sensitive payment deadline that is by far NOT industry standard. They require receipt of payment by XXXX XXXX XXXXXXXX on the due date, which I have never seen another credit card company do. They need to change this. This is not fair to the consumer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCO ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$2500.00} I dont believe that this reporting is correct. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?
Product: Checking or savings account

{$10000.00}. Chase Bank closed my account because they could not confirm ownership via the state of DE website. However you are unable to confirm XXXX ownership via the DE website. Prior to closing my account i informed them they can not confirm online, went to a branch in person ( per their request ), provided all documentation possible they are STILL holding my money and will not release the cashier check to me. I have dealt with the mot incompetent people imaginable but now it is obvious they are trying to steal my money.
Product: Credit card or prepaid card

On XX/XX/XXXX was told fraudulent charge of a dollar advised I know about transaction and it wasnt fraudulent nothing further XX/XX/XXXX my directed deposit was put into my account when I went to use the card denied tried netspend app said account locked contacted customer service 6 times to keep being told I need to send documents to verify my identify over unsecured email even though the website says not to they want my social card driver license and proof of my address to unlock my account I refuse to send through email told them because the website says not to and that if I cant send through secure inbox to call I asked if they could close the account and just send a check with my money they put request in was denied because I need to verify my identity I keep getting the same run around and now refuse to pay me what is mine with no way to resolve my issue
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX regarding account XXXX, which is reporting inconsistent and inaccurate information across all three credit bureaus, violating 15 U.S. Code 1681 ( Fair Credit Reporting Act ). The account reflects different " date last active '' and " reporting dates '' across XXXX, Experian, and XXXX, which is not possible for the same account and fails to meet FCRA accuracy requirements. Additionally, you have falsely reported the account as 120 days late in both XXXX and XX/XX/XXXX, which is impossible. There was no prior 60-day or 90-day late payment leading up to these reports, making this information clearly inaccurate. Furthermore, the last reported 30-day late payment was in XX/XX/XXXX, yet you have also marked XX/XX/XXXX and XX/XX/XXXX as 30 days late, further contradicting your own reporting. 

It is also important to note that your companys business registration has been forfeited in Texas, meaning this account should not be legally reported. The presence of these errors suggests either a blatant disregard for compliance with the law or significant negligence in reporting practices. As a result, I am demanding the immediate deletion of this account from my consumer report. If this request is not met, I will pursue legal action for damages caused by these violations. I expect a prompt response and corrective action in accordance with federal law.
Product: Credit reporting or other personal consumer reports

Transunion is reporting my student loan with XXXX as being 90 days late which is incorrect for several reasons. I have never been late and it was previously in forbearance then placed in an income driven repayment plan. I am currently enrolled in school so that also puts loans in deferment. This has caused a major hit to my credit causing me to be unable to obtain credit. Please clear this matter and change my account back to pays as agrees and fix all late payments.
Product: Debt collection

The collection from Iq data international was placed in collection on XX/XX/2019. According to Florida statute of limitations law, the statute of limitations for this type of debt is 5 years. I have not made any payments towards this debt nor acknowledged its validity in writing within the statute of limitations period. 

Therefore, I request that you cease all collection attempts related to this debt and confirm in writing that you will no longer pursue collection. Any further attempts to collect on this debt may be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and may result in legal action. 

Please provide written confirmation of the cessation of collection activities within 14 days of receiving this letter. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit card XXXX didnt report my Equifax reported 30 days late and XXXX reported on time. The closed date on Equifax, XXXX was XX/XX/XXXX but it was still listed on those XXXX reports as still open XX/XX/XXXX. I did not authorize with signature the account that was charged off to another company.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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
Product: Checking or savings account

I work in XXXX and XXXX and with COVID 19 causing " The Great Pause '' I am unable to work or even collect from A/R because of financial strain of everybody at the moment. I had a personal loan given to me to help me through the next 30 days to help me pay for my medical and life insurance and deposited a XXXX check. Normally check deposits are immediately available for use. I was notified through mobile banking app that funds would be made available after nightly processing. The money was deposited into my account and then Regions took it back out and placed a hold on the funds, but never gave any acknowledgement as to why it was being held. I reached out to my Regions bank and told them the situation and inquired as to why the funds were being held. I was unable to speak to anyone directly and was forced to communicate through online service. I was given no reason, only that funds would be held until XX/XX/31. Our entire livelihood as a small business has been put on hold and my bank is now keeping me from moving forward without the ability to care for my family. I find this action to be unacceptable especially at this time of financial crisis and I implore you to investigate as I'm sure there are many people experiencing the same thing.