23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I viewed my XXXX credit report in XXXX 2015. I notieced a collection account that was added by Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) in XXXX 2015. I never received any letter or phone call regarding this alleged account. Since I found this on my credit report - I contacted, via certified mail, the collection agency and still have not heard anything from them. This collection agency is not complying with the dunning notice requirement.
Product: Checking or savings account

On XX/XX/year>, I filed a complaint with this Institution about Key Bank. The complaint id is XXXX. 
I am filing a new complaint as i have yet to hear anything from Key Bank nor received my missing funds. I have made several attempts to call Key Bank to check the status of my issues with them. All i have gotten out of the calls are a bunch of hang ups, being switch from one department to another with the call ALWAYS being " dropped ''. 
As I have mentioned before, this issue with Key Bank has been going on for well over a year now and I feel that this issue is being taken for a game or a joke by Key Bank and yet my hardship, XXXX XXXX and stress is at an all time high. 
As i mentioned, I have previously reached out to this organization for help. You are supposed to be for the consumer according to your name. Or is it like most other organizations that are suppose to be for the consumer, customer or working man, that says they are for the people but in reality are for the corporation 's big and small and wonder why people are going through so much XXXX. 
Is there somewhere above you that i should be trying to get help from? Thus far I'm not seeing where help comes from for this institution. From the start Key bank was given 60 days to resolve the issue by this organization. Key Bank responded by saying they sent everything to yet another department and you closed the case. 
How is that helpful or beneficial to me in getting by money returned? 
What exactly is it that this company does? From my research it was understood that this institution protects consumers from banks and leaders when they are being taken advantage of or being mistreated in any way financially. It appears to me and my situation that that is not he case. Instead, it's an institution that always the average man to be mercilessly taken advantage of by the big banks. At what point does the Consumer Finacial Protection Bureau actually protect? Is it the financial protection for consumers as your name suggest, or just the opposite in protecting big banking? 
Every other banking avenue i have taken has led me to this organization as the institution that will handle things and gat things done. 
I am sure that if anyone at CFPB or Key Bank was going through what i have been for well over a year would feel and see things as i do. 
The money they owe me is major to me but yet only pennies to them. 
So again i come to where I have been directed in getting this matter handled and rectified and hopefully with great haste. 
Perhaps this is something i should take to an investigating news station. I'm sure this story would be something they would love to cover and uncover even more. I'm sure I am not the only person going through this with either entity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear XXXX, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.

2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the " charged off '' and " written off '' statuses, which must be clearly stated and resolved. 
3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).

I kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report. 
I have attached a copy of my credit report with the disputed account highlighted for your reference. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two complaints now, both to Equifax and to the CFPB, stating that I have filed disputes online my the Equifax Dispute Portal, but each dispute is taking longer than 30 days to resolve -- in fact, my disputes are still open and Equifax has not sent me any notification about why these disputes are taking longer than 30 days. Since Equifax is not properly resolving these disputes in the 30 days allotted to them, and they're not communicating with me about why the disputes are taking more than 30 days to resolve, Equifax will not allow me to file any further disputes on inaccurate information contained in my credit file. As a result. I am having to file all my Equifax credit report disputes through the CFPB. When I try to call Equifax, their representatives will ask you the same, poorly and ambiguously phrased verification questions. If I'm able to pass those verification questions, their representatives are foreign and there is a massive language barrier trying to communicate with them. Equifax has made it impossible to do business with them. Every time they respond to my CFPB complaints, it is a scripted, canned response that means absolutely nothing and does absolutely nothing. I don't know what to do. Equifax is not processing my disputes correctly, their phone service is both unbearable and unable to be used with their customer service agents ' language barriers and when they respond to my CFPB, the responses are not personalized -- they are scripted, canned, unhelp and do nothing to resolve the inaccuracies on my Equifax credit report. Obviously sending Equifax complaint after complaint after complaint through the CFPB isn't working, so it would be nice if someone involved in Equifax 's executive office was involved.
Product: Money transfer, virtual currency, or money service

I opened accounts, deposited checks, had wire transfers and then was told my accounts were closed, and that they gave my money to somebody else and I opened an investigation with the banks and they were ordered to give me all my cards and account info but didn't and wouldn't switch them back into my names and wouldn't say where to get my money nor why my account was closed as soon as the money made it to the account at Wells Fargo, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX  with the various cards and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, And Phone payments that I didn't authorize since my phones were purposely stolen. XXXX filing police reports and not getting my things back or this issue settled as I don't control the world while all this negative public portrayal of me goes on. XXXX XXXX
Product: Debt collection

i went XXXX hospital er in XX/XX/XXXX was treated did not have ins. informed the intake person tha i could go to XXXX if that was a problem they said it was ok because of my condition the hospital resolved my bill. now its XX/XX/XXXX check my credit there is a bill from a company called procollect for {$940.00} i call they tell me it from a physicians emergency care i tell them i have never heard of these people nor have i ever received a statement/ bill of any kind, they say dont care pay or will destroy your credit ask for itemized bill they refuse. i called XXXX they tell me they no longer do business with physicians emergency care because of their wrongful billing of patients. in fact they were contract doctors and tHey are now out of business filed bankruptcy sold their portfolio to a third party and cant be found. PRO-COLLECT IS ILLEGALLY TRYING TO COLLECT ON ILLEGAL BILLING STATEMENTS THAT ARE TOTALLY FALSE AND WITHOUT MERIT. I AM ASKING THAT PRO-COLLECT REMOVE THIS COLLECTION ITEM FROM MY CREDIT AS THIS BREAKS ALL FDC PRACTICES AND LAWS
Product: Checking or savings account

I had contacted this site before and when you escalated the complaint they fixed the problem. And 2 years later I went to open an account at the same branch that it was fixed at I was told the gentleman that fixed it never permanatly fixed it. I have had the same bank account and have had no problems until now. 
So back in 2014 I had fraud on my checking account the person was convicted and I have all the police reports and court documents, however Bank of America contacted me after XXXX XXXX took all the notes and negative stuff off of my name and sent them a letter stating this was fraud on her account and please see attached reports. It was only then and only after that was I told to file a complaint. Well it was fixed but apparantly it was fixed half XXXX because even though I have had the same account open for going on 3 years with no problems I went to open another account and the branch manager remembered the situation adn said the guy that fixed it before only did it temporary and all the stuff came back again. Are you serious? So for almost 3 years I though Bank of America had my account coded properly and all thetime they didnt. I want to file a complaint as I have all my documents from 2014 and even the letter from XXXX XXXX stating it was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX adn capital one data breach caused a XXXX XXXX XXXX to be placed on credit violates my CFPB, cra
Product: Debt collection

On XX/XX/2022, I received a letter from FBCS , Inc., stating that the company had purchased a debt I owed through XXXX XXXX XXXX XXXX. I paid off this debt on XX/XX/2022, as agreed. The amount I paid was smaller, but it was agreed upon by XXXX XXXX XXXX XXXX XXXX. I have sent a letter to FBCS , Inc. stating that I do not owe the debt.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role ano have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Checking or savings account

I had my tax refund as well as my XXXX tax refund deposited to my Robinhood account. They refused her deposit and accepted mine, They then froze my account after they had my money. On XX/XX/XXXX they asked for a picture of myself, copy of drivers license and bank statements from the account that is attached. I submitted these documents and have proceeded to call them every day. Each time they tell me the same thing and will not allow me to talk to anyone who would have any information on the situation. They also each time ask me to submit the same forms even though they can confirm they already have them and then proceed to tell me they are sending them to there review team.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 that are reported 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 NEIGHBORHOOD CU 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: Debt collection

I was not notified/informed about overdue balance of the account by the Original creditors ( XXXX XXXX XXXX Acct # XXXX ) I was notified 8 months ) later on XX/XX/23, XXXX XXXX by email to a email that I no longer use! And with the incorrect information of my residence on the header, if there was a notice Mailed I didn't receive it because the address is incorrect.I then received a phone call on XX/XX/23 by ( Columbia Debt Recovery LLC DBA ( GENESIS ) that I had no knowledge of the debt/balance that I was a Co-signer on and I had not had communication with the other party involved in which he started to be rude by telling me l would be responsible and could be sued for this debt which at that time I explain to him that I was informed by a family member that the other party involved was filling bankruptcy and I had no knowledge of this debt and I was not notified by the original creditors of the balance which I feel I should have been notified of before it went to Collections and given the opportunity to address this matter with the Original creditors
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed that Portfolio Recovery is reporting a debt that I do not owe. The original creditor was XXXX XXXX  but my debt to them was taken care of in my bankruptcy. I was under the impression that this was taken care of but this has been updating and really hurting my credit. This is a violation of my bankruptcy stay and it must be removed immediately.
Product: Payday loan

the company added interest illegally and is still refusing to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections that need to be removed from my credit report. The website does not work properly. I have been able to submit disputes online with the other two credit bureaus however Transunion has made it difficult to almost impossible to submit a dispute online. After one week of trying I believe I have given enough time for Transunion to fix their website.
Product: Mortgage

I have an line of credit with Bank Of America for {$370000.00}. I have never been late on any payment because they were charging me interest only. 3/4 months ago they told me my line of credit matured and now they will start billing me as 15 years principal & interest and they payment will be somewhere about {$2700.00} a month. I explained to them there is no way I can make that payment as I have first mortgage and rent is only {$2300.00} a month. I am already {$2000.00} upside down. I asked them if they can differed the loan as for 1 more year so my first mortgage will be finish and I can make the payment after that. They told me they can do nothing and I do n't make enough money to refinance. No body told me about hardship application or anything only thing they said was best thing to do is put it on short sale. I have made payment when economy was down. I borrowed the money and I want to pay it back. I just need help till XX/XX/2017 when my first mortgage will be over and I can make regular payment to Bank Of america. Now since they ruin my credit I ca n't even go and get any refinancing done at all. Please look at my payment history I have made good on my loan all this time even when economy was really bad. I do n't want to ruin my credit and I do n't want that I did n't make good on my loan on my conscience. Please help me fix this issue. It seems people who were good all thru the bad economy are getting punish for being good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Performance Collection agency is currently reporting a collection on my credit report for the amount of {$1800.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.
Product: Checking or savings account

On XXXX/XXXX/XXXX around XXXX XXXX I went to the Santander Bank website and saw an offer for a {$220.00} bonus if I open a checking account and have direct deposits totaling {$500.00} or more in the first 90 days and have the account open for more than 90 days. I applied for a new account, successfully opened as of XXXX/XXXX/XXXX, completed the requirements, and did not see the bonus on my account after 120 days. I called the bank on XXXX/XXXX/XXXX and they said they would open a case and look into it. I called Santander back on XXXX/XXXX/XXXX and find out that they have denied me the bonus because they claim that the promotion code ( XXXX ) was not applied during my application. However, I have the application card that clearly shows that the promotion code was used.