23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

BMO bank lost my XXXX payment, charged me late fees for payments that they posted late to my account. I pay them between the XXXX and XXXX of the month. The post them near the end of the month and charge me late fees because their system has issued. Today is XX/XX/year>, and as far as I know they still have not located my XXXX payment because they don't follow-up with customers on issues they haven't resolved. Dealing with BMO bank has been extremely frustrating because the people you have to deal with don't seem to have the knowledge or authority to resolve your issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding a collection listed on my credit report with XXXX XXXX XXXX. I requested Equifax to validate this debt and I have asked for their method of validation and they have not they just send me credit reports that display they have verified this debt and ignore all other requests. 

When I reached out to the collection agency they don't even have proof I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 multiple creditors are unable to pull my Equifax data. I called Equifax and they do not want to help me, but rather tell the lenders to call the Equifax Business Customer Service Hotline. I am also unable to pull a personal Equifax report.
Product: Debt collection

Portfolio Recovery is constantly harassing me about debt with repeated phone calls after I've stated repeatedly to be removed from their calling list. I am being debt harassed and is causing distress on me.
Product: Checking or savings account

My name is XXXX XXXX. I have been communicating with Capital one bank for months to withdraw the CDs money that I opened for my XXXX children but the bank claims that they can not find the record of these CDs. I have the original bank document for all CDs and bank is agree with it. 

Initially, the capital one bank stated that the money went to the sate then I claimed to state but the state could not find it and provided me a form to be filled out by the Capital one bank so they locate the fund but the bank refuse to fill it out. I opened 3 CDs accounts for my XXXX  children for their collage fund long time ago. These are custodian account which my name and my kids name are on the CDs. If requires I will provide a copy of these three CDs. Please let me know XXXX XXXX CD- the amount is {$10000.00} XXXX XXXX CD- the amount is {$15000.00} XXXX XXXX CD- the amount is {$10000.00} Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with XXXX and Equifax credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2023 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX  {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$24000.00}
Product: Checking or savings account

Well on XX/XX/XXXX XXXX woke up and seen two transactions taken out of my account that were on authorize that total in the amount of {$810.00} XXXX instantly called Chime to file a dispute, letting them know that I did not authorize this transaction, nor have I ever used this website in which the unauthorized transactions were made. And the transactions were taken out at XXXX in the XXXX, and Ive tried to tell Chime that these transactions were not made by me, and yet they still decide to deny my dispute, and they have denied my rebottle. I am requesting that you guys please help me return my money to my account because it is affecting me daily without my money. Do.
Product: Bank account or service

I made a deposit of {$15000.00} on XXXX/XXXX/2016. Wells Fargo has placed a hold releasing {$200.00} XXXX/XXXX/2016, {$4800.00} XXXX/XXXX/2016 and {$10000.00} XXXX/XXXX/2016. Since the deposit is presented during the mid-night processing of XXXX/XXXX/2016 and the funds are received by Wells at that time Wells is using my money without my authorization or paying interest during the hold time.
Product: Credit card or prepaid card

I have held a Diners Club card since 2002. At some point in the past two years, the current franchisee ( BMO Harris ) stopped offering Primary Rental Car Insurance on this card. The bank did not notify me of this material change to my card agreement, despite the fact that I pay a {$130.00} annual fee ( {$95.00} plus {$35.00} additional cardholder fee ). Attempts to contact the bank have been ignored.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently opened or reported in my name as a result of the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX MA Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX OF XXXX MA Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$230.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$280.00} Inquiries to Be Removed : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother. 

The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. 

Now, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill. 

I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

Upon thorough review of my credit report, I have identified several accounts that contain erroneous information : XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. 

I have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all XXXX credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

America First Credit Union automatically has enrolled me into a " PREMIUM CHECKING ACCOUNT '' In which they would charge me a fee of {$6.00} a month which yearly would equal out to {$72.00} ... you can " opt-out '' but i should have had the option to " opt-in '' to begin in the first place versus having to call and wait on hold for lord knows how long.
Product: Payday loan, title loan, personal loan, or advance loan

I hope this letter reaches you in good health and spirit. The reason for my letter is Im want to set up my payments on autopay with my credit card. I was told by the manager XXXX at XXXX I would be able to so others must be able too. I feel discriminated against because Im not able to set my account up on autopay for my {$130.00} payment to come off my credit card. My credit is great and I have always paid my bills on time. It shouldnt be no reason why I can not set up my account on autopay using my credit except that your discriminating against me. This needs to be fixed its not fair for others to be able to use their credit card and Im not able to thats very discriminatory. Can you please fix my account? Thank you very much for your time. Have a wonderful day and please continue to be safe.
Product: Credit reporting or other personal consumer reports

Southeast Toyota finance is reporting inaccurate information to my credit report regarding and alleged debt. They are reporting inaccurate and inconsistent loan amounts, verification dates, opening dates, and closing dates.
Product: Mortgage

Tried making our current payment online as we have done in the last XXXX months, our account was locked and flagged, they would not explain why, would not accept phone payment or any other, told us they could not accept any payment from us, we have never been late, also every rep, told us a different story, we just wan na make our payment, have not missed a payment going on XXXX years now, Please Help, there are alot of complaints against this company
Product: Credit reporting or other personal consumer reports

I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that XXXX for XXXX. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any XXXX loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more fraud.
Product: Credit reporting or other personal consumer reports

I can't provide the dates I would have to send a copy of my credit reports to you in order for me to provide you with all this information all I ask is all this negative information be removed XXXX  my account
Product: Checking or savings account

I open 3 accounts 5 years ago within Bank of America in XXXX. All three are under my business name : XXXX XXXX XXXX XXXX, XXXX. One of the account is being used for ACH. I explained to the officer when I was opening the account that it is because part of my business involved wire transfer. Each year, they made me file out the forms related to XXXX and I always provided the documentations required on time. If something is wrong, I called to inquire info and fixed the problem. In XX/XX/2018, I submitted all the document, and last month, on XX/XX/XXXX, they sent me a letter telling, that all my accounts will be closed in 80 days. This is a business decision. 
For the last 5 years, I have been a loyal customer, never have a NSF or a check return. I would like to know why Bank of America decided to take that business decision which is jeopardizing my business. Tax season is coming, I already provided all my bank information to the Clearing House. I would like someone to intervene and reverse this decision. Thank you.
Product: Credit reporting

I was reported by XXXX department stor being late in XXXX and XX/XX/XXXX with my payment. I did make full payment with interest and late fee in XXXX and XXXX. With this late payment that XXXX reported to all XXXX credit reporting agencies my husband and I were not able to get the top tier interest rate of 4 % for 30 years instead got a 4.25 % for home refinance due to reported late payment that was payed in full. Contacted XXXX department store to get the late payment removed from the XXXX credit reporting agencies but XXXX was unwilling to remove the XXXX late payments even though the fee, interest and balnce as payed the subsequant month.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report with XXXX and found the servicer of my VA mortgage loan " Nation Star/Mr. Cooper '' has extended my mortgage by XXXX months from a XXXX XXXXear mortgage to XXXX year mortgage. In the comment section of credit report Nation Star reports Loan Modified  essentially extending the loan an additional XXXX years From XX/XX/XXXX to XX/XX/XXXX. I DO NOT have a mortgage loan modification with them and my account is in good standing. If this is on my XXXX credit report it's more than likely on all the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy notation on my credit report that is reported for the XXXX XXXX XXXX  as it appears to be erroneous. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure accuracy in the information that appears on credit reports. I have reviewed my report carefully and noted that a bankruptcy filing is inaccurately listed. I have reached out the bankruptcy court and they advised they do not report to ANY credit reporting agency, so they did not supply the information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

Barclays Bank Delaware has pulled my report without permission on XX/XX/XXXX. Ive called numerous times with absolutely no help on removing this
Product: Debt collection

I PAID OFF A COLLECTIONS ACCOUNT FOR XXXX XXXX XXXX   CARD FOR ACCOUNT ENDING # XXXX Jefferson CAPITAL SYSTEM REF # XXXX. THIS WAS PAID OFF ON XX/XX/XXXX. tHEY WILL NOT RELEASE THIS INFO TO XXXX  XXXX XXXX. iT IS NOXX/XX/XXXX IM WAITING ON THIS FOR LOAN APPROVAL AND THEY WILL NOT REPORT IT PAID IN FULL ... yET THEY CAN HARRASS AND ACT LIKE VULTURES WHEN NOT PAID. iS THERE NO PROTECTION FOR THE PERSON THAT PAYS? THEY SHOULD HAVE TO REPORT THE ACCOUNT PAID FOR SINCE IT IS
Product: Credit reporting or other personal consumer reports

I am writing to have these three collection accounts removed from my credit report 1. XXXX XXXX XXXX XXXX {$33000.00} 2. XXXX XXXX XXXX XXXX {$7800.00} 3. XXXX XXXX XXXX XXXX {$38000.00} These collections account refer to a student loan through XXXX XXXX which has been fully paid. I paid these loans through XXXX XXXX as shown on my credit report. My latest credit report show that these loans have been fully paid therefore I do not understand where these collections is coming from. The website of the financing company also show that I have fully paid for the loans that I borrowed. I want these collections removed ASAP because it is cruel of the company to make an account that has been fully paid deliquent on my report. Please read the background below : In XXXX I borrowed the following loans through XXXXXXXX XXXX in which I made the payment through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6500.00} XXXX XXXX. XXXX {$30000.00} XXXX XXXX XXXX. {$30000.00} I paid off these loans XX/XX/year> and my credit report shows that. Also on the company website it shows that I paid off my loans and I have proof to show. However, I got notified on my credit report that these loans were sent to XXXX XXXX XXXX XXXX. I have paid off these loans therefore the act of sending a fully paid loan to collections is inaccurate and wrong. 


The collections account shown on my credit report is inaccurate because the loan shows that it has been fully paid yet in XX/XX/year> which I did yet a collection account shows in XXXX XXXX XXXX 
I want these collections removed from my credit report ASAP. 

I attached my credit report and proof from the company website that my loan is fully paid which aligns with the status of the XXXX payment account. 


In summary, 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any 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, resolutions, and requirements under the electronic funds transfer act ( EFTA ) and regulations e. These actions have called significant inconvenience and financial loss and I seek appropriate redress for these violations.