23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I mailed out to Experian 2 dispute letters along with additional copies of how the items that I was disputing were indeed incorrect. 

The letters were received XX/XX/2022, at XXXX. 

The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX XXXX The accounts listed on the letters are in violation of Section 15 USC 1681b ( c ) and 15 USC 168 ( 2 ) ( B ) ( ii ). 

It is now XX/XX/2022 and to date no investigation has been done on my report. 

I demand that all items listed on the letter be immediately removed as Experian FAILED to respond within the allotted time.
Product: Credit reporting or other personal consumer reports

XXXX failed to notify me five days in advance before reinserting and account that was deleted from my profile which is a FCRA violation also the credit bureau is reporting a account that identifies as identity theft which is also a FCRA violation as a consumer under the FCRA act I ask that the account be removed immediately
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

My name is XXXX XXXX I have an account with Citi bank and my account was compromised through fraudulent activities, through XXXX. A total of {$38000.00} was taken from my account XXXX XXXX dating back from XXXX to XXXX. This was brought to the banks attention they denied compensation.I then requested them to reopen the case and I sent multiple supporting documents. They had started giving back partial credit which amounted to around {$6000.00} this was later taken back from my account stating there wasnt enough evidence to support the investigation. I really need some help in getting my money back from Citi Bank. Please if theres any other resources I could use or get please contact me XXXX
Product: Mortgage

We purchased a home on XX/XX/XXXX of XXXX and moved in to the home on XX/XX/XXXX. In early XXXX I attempted to contact our Mortgage Company to make our first payment. The mortgage company informed us that our loan had been bought by Planet Home Lending. I called Planet Home Lending about making our first payment. They would not take my payment over the phone and informed me how to register for an account online and set up auto payments. The gentleman informed me not to worry or rush because I had 60 days to make my first payment. This was a relief to me because my husband is a XXXX employee and because of the Government shutdown at that time was not receiving a paycheck. I then hung up and set up an account online with auto payments to begin on XX/XX/XXXX. Today XX/XX/XXXX we received a phone call from Planet Home Lending informing us that we were late on our mortgage payment for the month of XXXX and would be sent to collections unless a payment was made. I attempted to explain to her about what someone at her company had told me that I had 60 days to pay. She transferred me to a supervisor and I explained again. Bottom line is they did not care what I had been informed of previously, they did not care that we were affected by the government shutdown or try to work with us on payment. They informed us that if we did not pay, the account would be sent to collections and appear as a negative on our credit report. We made a payment but are completely frustrated, angry and upset that Planet Home Lending has such predatory practices to deceive customers into thinking that they don't need to make a payment and then tacking on late payment fees and threatening people with sending them to collections. This company does not care about it's customers and the worst part is the consumer has no choice on who is servicing your mortgage loan so as to avoid predatory businesses like this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that I am a victim of identity Theft on XX/XX/2023. I sent all the proper documentation to XXXX, XXXX, TRANSUNION, and the consumer financial protection Bureau. These consumer reporting agencies failed to block the information on my credit file and properly investigate my disputes under U.S.C 1681 c-2. I have all the paperwork and proof sent from these consumer reporting agencies that violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I returned some items never received my credit. I contact my bank and submit paper work still have not received my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a multiple inquiries removal letters to Equifax via Certified fax and USPS after viewing my credit report I notice that I had multiple and didnt private inquiries from XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, screening Reports, 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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, EXXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX  several of these are duplicates. I also attempted to contact them via phone and filed disputes regarding unrecognized XXXX plus Hard Inquiries and some are duplicates on my credit file and ive asked to have these deleted considering they are affecting my credit ratings. I asked how can I have these processed with having a credit freeze and fraud alert on my Equifax credit file with no clear explanation. On XX/XX/XXXX Equifax completes the re-investigation stating that the unknown Inquiries are factual. Ive asked them to please send proof of the factual information they stated they received as on today XX/XX/XXXX I havent received the information I received a copy of my credit report again. I verified my name and addresses which are listed incorrectly and I have disputed this multiple times as well which is the reason Ive have a freeze and fraud alert. Please see the attached documentation.
Product: Checking or savings account

Today XX/XX/2023 I received a letter from Bank of America informing me that they have made a decision to close my accounts. I contacted the headquarters and was told my a representative that the decision is permanent and they can not disclose why the decision was made. I realize that I do have a legal matter with the government but I am fulfilling my obligations with them. I have been with Bank of America for many, many years. Please advise. What recourse do I have? 
Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block ) Due to inadequate customer service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to ensure prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, TransUnion, and XXXX have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXXXXXX XXXX ACCOUNT ON ALL THREE CONSUMER REPORTS.
Product: Vehicle loan or lease

XX/XX/XXXX - The auto loan was paid off by my auto insurance at the amount of {$16000.00} as the result of total loss. The title was released to the auto insurance the following month. 

-XX/XX/XXXX - Received the bill from Ally stating I am being owed {$2000.00} See the file attached : XXXX XXXX XXXX, XXXX - Received the bill from Ally stating I am being owed {$1700.00} See the file attached : XXXX attached XXXX XXXX, XXXX - My lawyer sent a letter to Ally. See the file attached : XXXX XXXX XXXX attached. 
XXXX XXXX, XXXX - Ally 's response. See the file attached : Ally Response XXXX XXXX, XXXX - Received the bill from Ally stating I am still owed {$2100.00} See the file attached : Ally_XX/XX/XXXX -XXXX XXXX, XXXX - My lawyer again sent the letter to Ally. See the file attached : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX - Received the bill from Ally. See the file attached : Ally_XX/XX/XXXX -See the file attached : Ally call history
Product: Credit reporting or other personal consumer reports

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Debt collection

I have 2 medical bills being reported by this collection agency to XXXX. When I attempted to pay the balances on these accounts last year, I was told by the agency that they no longer held the accounts and could not accept payment. I contacted the medical provider directly and they advised the balance was paid with a credit and nothing was owed. The collection agency continues to report the accounts to XXXX  as paid ( they were removed from XXXX and XXXX ) despite the fact that these accounts no longer existed with them and they did not accept payment. They're also reporting themselves as the client and not the medical provider. I spoke with supervisor XXXX at the collection agency who advised they would remove the accounts from my report with XXXX but they have failed to do so despite repeated phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

GO FINANCIAL Auto Loan with account opened on XX/XX/2014 and a balance of {$0.00}. 
I previously disputed this account stating : ''The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. The company has failed to update my credit report or provide proof of the investigation and proof of the negative payment status for this account, or delete the negative information from my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : GM FINANCIAL XXXX
Product: Debt collection

I am in the middle of buying a home. My Credit score is very vulnerable right now. I contacted the collection company Receivables Performance Management ( RPM ) back in XX/XX/2021. We agreed on a settlement of XXXX. The arrangement was to be made in two payments which were to be deducted on XX/XX/XXXX and XX/XX/XXXX. I called and made the XXXX payment early. The XXXX payment was deducted on the XXXX which would have completed my debt with the company. However right after the second payment was made, the collection hit me credit report and dropped my score XXXX points. This should not have happened. I was told that as long as I was in good standing with the collection company and made the payments on time this would not hit my credit.
Product: Vehicle loan or lease

Hello, in XX/XX/XXXX, i purchased a used car, while sitting at the desk of the dealer was discussing details with a finance company, i notice he was kind of secretive, but could not hear what he was saying, seemed he was hiding something from me, anyway, after he got off the phone he told me he was able to get a finance company who agreed on financing me. The dealer knew Santander Consumer USA, INC was under investigation since XXXX, but i did not know, otherwise i would not have accepted the loan. In XX/XX/XXXX, i was on my computer getting ready to make a payment to Santander, the first page on their site, was shocking to me, a report from the AG of NY, had a report about fraudulent auto loans from Santander against hundreds of consumers from twelve different states, had a lawsuit of {$550.00}, XXXX, in fraud from Santander, so far they have paid out {$65.00}, millions to consumers, signed over titles of vehicles, and forgiving their loans, but Santander is still under investigation to pay out {$490.00}, XXXX, from the {$550.00}, XXXX. When i got the loan in XX/XX/XXXX, i was part of that fraud, but Santander is denying me any resolution. I had three conversations with them. What Santander has been doing is : targeting people with a fixed income, somewhat imperfect credit scores, with the idea that they would not be able to afford payments, default on the loan, and then repossess the vehicles. I would appreciate any available assistant, i am a victim of this fraud by Santander, all i was trying to do was trade my older model car, for a more reliable one. I look forward to your response. Thanks
Product: Student loan

Hello- Attempting to repay my loans that are held with Aidvantage and continue receiving an error message that my " bank account is closed ''. Attempted paying 4 separate times, with the last one over the phone, and still rejected. Can show proof of funds in the account as well. 

Interest continues to accrue on the account as of XXXX, and I would like to retroactively reduce the accrued interest given this was an issue on Aidvantage 's part. 

Thanks, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX was taken from my PayPal account wrongfully using my debit card. PayPal had seemed my case not unauthorized, but they are wrong. I would like my XXXX back.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANK OF AMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

During XX/XX/2020, changed phone companies with a buy out programs offer from XXXX to port over lines. I switched from XXXX to XXXX. I found this debt collection on all,3 of my credit reports, for an amount more than the last bill and payoff amount of XXXX. The double the price on the report XXXX
Product: Credit card or prepaid card

There is a hold on my credit card that  Discover  card wo n't release it
Product: Mortgage

On XX/XX/2021 I had completed a refinance application with Ally Financial mortgage department and had to pay {$550.00} to lock in on rate. I was informed that everything far as credit was in order and we would move forward in completing the application process. I was informed that the Underwriting department would have to view my documents before completing the process and was told that the Underwriting department informed that we could move forward. For over a month I was going back and forth and submitting all requested documentation. I was informed that we were approaching the close process and everything looks fine and we would move forward to finalize paperwork and complete before the expiration on the lock in date. I was told that the lock in of {$550.00} would be credited back to me. The process went on for over a month. After a month of submitting all documentation I was informed that my application was denied and my {$550.00} locking rate would not be refunded back to me and would be applied to the appraisal fee. I feel that Ally Financial has poor business practices and very deceptive and misleading information that they communicate to their customers. I feel that they have scammed me and took my {$550.00}. I
Product: Checking or savings account

I am writing to address a concerning incident that occurred recently regarding my account with Northwest Bank. I have been a loyal customer of Northwest for over 10 years and have maintained multiple accounts with your institution, as well as with other banks in the area. 

Approximately two years ago, I had both a checking and savings account with an individual who was my boyfriend at the time. When our relationship ended, he went to Northwest Bank and closed the accounts. I subsequently contacted Northwest to confirm the closure of these accounts and was assured that the only accounts remaining were those solely in my name. 

However, on XX/XX/year>, I discovered that {$470.00} had been transferred out of my savings account on XX/XX/year> without my authorization. Upon calling Northwest to inquire about this transaction, I was informed that another person was listed on the account and had transferred the funds into a separate account belonging solely to him. This revelation left me deeply confused and concerned, as I had been under the impression that I was the sole account holder after my ex-boyfriend closed the accounts. 

Furthermore, I am troubled by the fact that this individual was able to access and monitor my account without my knowledge for at least two years. This raises serious questions about the security and integrity of Northwest Bank 's account management procedures. 

To compound matters, I found the response from Northwest Bank representatives to be highly unsatisfactory. Not only were they unable to provide clear answers to my questions, but there was also a lack of consistency in their handling of the situation. At one point, I was told that the account would be closed, only to have this decision reversed the following day. 

The loss of {$470.00} is regrettable, but what concerns me more is the breach of trust and the apparent inadequacy of Northwest Bank 's security measures. As a long-standing customer, I expect and deserve better treatment from my financial institution. 

In light of these issues, I am requesting a thorough investigation into the mishandling of my account and the breach of security protocols. Additionally, I would appreciate prompt action to rectify the situation and ensure that similar incidents do not occur in the future.
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  90 days to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

This morning on   XXXX   XXXX   XXXX    , at   XXXX   XXXX   i withdrew cash from TD bank on  XXXX  and  XXXX   XXXX   XXXX  in  XXXX , Ny. I gave the money directly to another individual ( for payment pf a sale ) and accompanied him to the  XXXX  bank on  XXXX  and   XXXX   XXXX   XXXX   around  XXXX .   When he deposited the cash into his account at   XXXX   XXXX  , the teller held onto a single  hundred dollar bill  and deemed it " counterfeit ''. They confiscated the {$100.00} bill and gave him a receipt from the  Secret Service  explaining the congiscation. The reason for this complaint is i recieved a counter feit hundred doll ar bill from the teller at TD bank on  XXXX  and  XXXX . When i spoke with the  manager and  explained tge dilemma, he simply stated " this happens sometimes, and there is nothing we can do about it ''.