23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I think 90 days is a more than reasonable amount of time for the credit bureaus to do there research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Experian XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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.

This company 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: Credit card or prepaid card

XX/XX/2021 I received a direct deposit into my account for {$420.00} and when I try to access my account says it has been locked! I called the company and spoke with two different people one lady transferred me to the account protection office and they told me that my the account was suspended did not give me a valid reason other than that was suspended and that my direct deposit wasn't in there I have a text message telling me they received it and was available but I am not able to access it at all! They told me I had to write a letter to the headquarters in Florida and it could be 30 days, in these times of corona i don't have 30 days to hope they do something! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP
Product: Mortgage

I previously submitted a complaint regarding a {$1200.00} payment on XXXX/XXXX/2015 being held in suspense and not being applied to my mortgage. Ocwen responded and indicated that it could not be applied as a regular payment since my account was already paid 3 months in advance ( payment due XXXX/XXXX/2015 ) but that it could be applied to principal. I requested that the payment be applied to principal, as suggested, effective XXXX/XXXX/2015 but that still has not been done.
Product: Mortgage

In 2014, I signed out a stipulated agreement with attorneys for Associated Bank. It was agreed that I pay XXXX per a month. I have done so since 2014. All of a sudden, this summer I started receiving bills that I am past due, that I am not paying my payments. 

I don't understand why I am receiving these bills. I have paid every payment since 2014 of XXXX. They have never sent me any statement showing what my current balance is, and now I am very alarmed why they are sending me these past due notices. 

I also filled out an additional package to them for a settlement. They don't want to give me a loan modification. They don't give me an answer for my settlement and finally, I have a stipulated agreement from their attorneys from 2014!!!!
Product: Debt collection

During the timeframe of when I held my account there at Navy Federal Credit Union in XXXX Washington from XXXX. When accounts became due they would freeze my savings/checking accounts until I paid them or scheduled a payment. This was normal operations for them every 2 weeks. I would have to call them to unfreeze my accounts on a daily basis at times. I am sure Navy Federal has records of this. That was the reason why I closed my accounts and went with another bank.
Product: Mortgage

The mortgage was paid in full on XX/XX/2021 and we still have not received the escrow refund in the amount of {$1600.00}. We initially called around 2 weeks after paying it off and the Bank of America rep said that it takes XXXX XXXX 30 days to receive it and it we haven't received it after 30 days they will have it overnighted. We called again after the 30 day waiting period and the next rep stated that they would submit for another check and that they were unable to overnight it as stated by the first rep we spoke with. We also never received that check so we called back again last week and the rep said that they would put in a request to overnight it but did not guarantee it. In short it has been almost 90 days since paying off the mortgage in full and we still have not received our escrow refund.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have multiple reoccuring charges from XXXX ranging from {$88.00} to {$120.00}, dating all the way back to XXXX, i disputed this with wells fargo and they denied it, they clearly didnt do their research because that was not me. They never once called or emailed me on regards to the case. They just closed it randomly, this is fraud on their part
Product: Checking or savings account

My account was fraudulently hacked on XX/XX/23 for {$4000.00} dollars. After XXXX months of going back and forth with the bank they told me what I was stated was not consistent with what had happened, Mind you, these XXXX transactions happened in a matter of 4 minutes totaling over {$4000.00}. I had asked for a call back from the bank of numerous account from their " resolution team ''. Not once did I receive a phone call. I spent countless hours on the phone explaining my situation and provided documents which they requested. They then sent me a letter dated XX/XX/23 that my account would not be credited and that my story did not add up. I requested to talk to the person who worked on the case specifically and was told " you can not talk to them, no one can ''. I asked how someone that has never spoken to me can tell me that the money that was taken out of my account fraudulently can come up with that determination. The " resolution team '' member told me there was nothing they could do. This took about 2 months for someone I'm " not allowed '' to speak with to tell me my money was gone. Banks are FDIC insured and it seems like Huntington didn't want to be on the hook. Not only did they get my bank information they also hacked my XXXX and were able to obtain boxing tickets with my money. I was a customer for over a decade with them and this is how they treat their loyal patrons. I called in again after I received the letter notifying me that the matter was " closed '' and that was it. I felt robbed of my own hard earned money and left me in a complete bind financially. I was forced to open another account with a different bank just so I could access money. They held an additional {$3600.00} from me as a new direct deposit had went in during this time and had nothing to do with the ongoing " investigation ''. I finally received this money after XXXX weeks. All in all I have now out over {$4200.00} and am being told there is nothing left to do on their end. I would never wish this horrible experience on anyone. The amount of hours, stress and financial strain I have occurred during this process has been psychologically straining to say the least. Huntington National Bank allowed someone to access my account and took XXXX accountability after all the documents they requested from me were sent to them within minutes. Again, PLEASE stay away from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXXXXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX account XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting multiple disputes with the XXXX major credit bureaus and reviewing the results of the investigations, Discover continues to fail to remove this inaccurate and incomplete Discover account from my consumer report. Discover has been in direct violation of the following including but not limited to : - 15 U.S. Code 1681e ( b ) - FCRA Section 807-8 - FCRA 623-B - Defamation of character I've made multiple efforts to resolve this matter by sending formal letters with documentation highlighting the discrepancies between the consumer reports of the 3 major credit bureaus to submit to Discover for investigation. However, Discover did not complete a thorough investigation and proceeds to openly violate federal statutes and my personal rights casting an unwarranted shadow on my character, creditworthiness, and overall financial standing furnishing this inaccurate account.

I ask that the Consumer Financial Protection Bureau step in to bring attention to this pressing matter and demand a DELETION of this inaccurate and incomplete account from my consumer report of XXXX, XXXX, and XXXX.
Product: Mortgage

LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX    XXXX  for  XXXX     2017.   They have, however, paid the taxes for  XXXX  2017- XXXX     2017. T hat payment was only made just recently, as up until just a few weeks ago both  XX/XX/XXXX  and  XX/XX/XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX Acct # XXXX, XXXX XXXX  Act # XXXX, XXXX  XXXX Act # XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

I received a XXXX XXXX rebate card in the form of a prepaid XXXX issued by JP Morgan Chase. I forgot I had the card and did not use it before it 's expiration date. 

I called the number on the back of the card and was told that my {$30.00} card now had a balance of {$2.00}. Chase had charged a monthly maintenance fee of {$3.00}. This seems excessive and is a convenient way for Chase to take the money from forgotten prepaid cards. This maintenance fee is described on the back of the card in fine print that is almost impossible to read. 

I requested that the fee be waived but the people at XXXX were unhelpful and insisted that the fees were justified. 

I see no legitimate reason for this fee. It is only a way for Chase to keep the money and ignore the unclaimed property laws. 

From : California Code of Civil Procedure Title XXXX, Chapter XXXX - Unclaimed Property Law XXXX. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
account listed are identity theft accounts Account Information : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. I did not open this account and did not give consent for its creation. 
Account Information : Account Name : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX XXXXXXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities
Product: Money transfer, virtual currency, or money service

Would send money and hit names and the number would be wrong so the money would be sent elsewhere. Zelle
Product: Credit card

I signed up for a Bank of AMerica credit card for the express purpose of a balance transfer of {$2400.00}. When I set it up I was guided by a customer service representative to set up {$300.00} automatic payments until my card was all paid up, as to never miss a payment, since I was trying to improve my credit score. The service representative made my first payment larger to cover the fee. However, she must have miscalculated because when I finished paying my card ( with a perfect record ) there was a balance of {$37.00} left. I did not know this and the bank never contacted me to let me know my automatic payments were not covering this - instead, after one missed month, they reported me to the credit bureau for being delinquent and seriously hurt my credit score. Upon weeks of inquiring I was given several conflicting stories. One customer service rep said it's my fault for not opting in on the website to change my automatic payment to minimum payment and thats why the bank didn't accept my payment. Another rep said the original customer service rep signed me up for " forward payments '' and miscalculated the {$37.00} because they don't even offer automatic payments. Then someone said they do offer that and on and on. I was also told by two managers the case had been resolved in my favor only to find out it wasn't. I even had a lawfirm contact them. They just keep giving me the run around and won't change the reporting to the credit bureau ( I of course paid the {$37.00} immediately after the credit bureau brought it to my attention! ). Bank of America can not keep doing this to innocent customers. They can say its not a bank error all they want, but they are a client facing service and their customer service reps miscommunicated from the very first day and continue to do so and I have been unable to fix my credit report. This is not ok. Bank of America is acting like a thoughtless, careless, entitled bully and just hurting hard working peoples credit scores which negatively impacts their life in serious ways. WITHOUT EVER CONTACTING ME TO LET ME KNOW THIS WAS AN ISSUE! That is a c-r-a-z-y.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company NCB MANAGEMENT SERVICE and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$13.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX