23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 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

Comenity company has bought out all my store cards XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I originally applied for the card with the store. However, Comenity bought out all my accounts and now I make my payments to Comenity. Now, Comenity is sabotaging my credit score and credit report. They decided to drop all credit lines since I had a deregotory mark on my credit report ( I had a XXXX XXXX bill placed in Collections ). However, I have made my payments on time and was building my credit. We are trying to purchase a home and now our dreams have been destroyed by this company. Their customer service is over seas and they are unable to assist. 
A company should not have a monopoly on all credit cards and then have the ability to drop all my credit lines.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Dates : XXXX Open- XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX $ XXXX Dates : XXXX Late Open- XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Late Closed- XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates : XXXX Late Closed- XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened an account with XXXX XXXX XXXX around XXXX Used the the account to deposit funds, used my card for gas that day after work. The very next day tried to use my card at the ATM to deposit my check and was told my accounts were closed. I went into the branch and talked to a banker who stated that my account was closed due to Early Warning services and XXXX XXXX. I was unsure what this meant. I was given their number, so I called and told that XXXX XXXX XXXX closed my account after a second review. The review showed I had an account opened in XX/XX/XXXX and placed on their for owing. I disputed the activity on my record after trying to open another account, i was then told that XXXX XXXX XXXX also placed me on Early Warning services for that account that was closed 2 days after opening for being XXXX over limit, it was over limit because they refused my deposit ( which I also paid that balance the same day ). I also disputed XXXX claim it was investigated and the only response I got back was the report stand. I dont know what else to do and i need to manage my life and have a good bank behind my financial needs.
Product: Checking or savings account

I went to the atm to do a cash deposit of {$200.00}. A followed the prompts and put my money in the slot when directed. A few seconds went by and it sent one of the XXXX {$20.00} bills I had placed inside. I removed it but the door stayed open. After a few seconds it said to remove the bills but I already had taken the one bill it sent back out. Then after a few more seconds it closed the door and said my transaction was canceled and my money had been retained. I tried to do this after hours so I called the banks XXXX number immediately. They said they would treat this as a fraud claim. That is not what this is. Its an ATM failure. They told me it would two weeks to get a provisional credit. So I went into the branch the next day and was told they dont service the atm themselves. A third party does. I was told that when they come in my money will likely be found and my account credited but that hasnt happened. I need someone to advocate for me or at least advise what I need to do. Thanks
Product: Prepaid card

I purchased merchandise from XXXX XXXX using the prepaid card on XX/XX/XXXX. I returned some of the product to the store between then and was working with XXXX, from XXXX who said the return was processed. We shared several emails and she sent me an invoice that shows the return was processed but I have been checking the account and it does n't show it was received. I also sent an email again to XXXX from XXXX, and no response, a week later, I sent an email to the general email box for XXXX and still no response.
Product: Debt collection

I have received numerous calls everyday about a debt for a loan that I did not take out. 

I have made repeated attempts including XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and never have received written notification or clarification of the debt as I do not believe I have taken this loan out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In an attempt to collect an invalidated debt, Afni, Inc. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, Afni Inc threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by Afni to collect something that has not been validated and that I do not owe. I am fearful that Afni will continue to make threats against me and harass me in relation to the alleged debt. I have sent Afni, Inc a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Afni, Inc for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Product: Checking or savings account

On XX/XX/XXXX, a cashiers check in the amount of {$15000.00} was deposited at The XXXX, New York branch of M and T bank. The check was cleared on XX/XX/XXXX but the local branch is investigating the check can not tell me why can not tell me when and told me that it was numb available as to why it was locked.
Product: Debt collection

Credit Collection Services got and shared my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They obtained my personal information without my consent and shared it with the credit bureaus and caused harm to me. They are also trying to coerce me into paying a debt that is not minds. Credit Collection Service is violating the Fair Debt Collection Practice Act, by stating that I owe a debt that is not validated and quoting " This Is An Attempt to Collect A Debt '' in their statement. The Violated me by sending a letter to my place of work also.
Product: Mortgage

I have lived in my house sine 1976. I owe less than {$5000.00}, ( my house is worth more than {$100.00} ) how ever CHASE BANK has refused to give me a home equity loan for XXXX for a new roof. I make my payments on time now that I am receiving compensation from the VA, plus my social security. My payments are XXXX per month. The XXXX is here and I have to put buckets around my house everytime it rains even a little bit. I am afraid for my wife or myself and we will have a catastrophic fall. we are both over XXXX years of age. A fall would ruin our " GOLDEN YEARS ". please help us
Product: Mortgage

My mother died in XX/XX/XXXX and I inherited the XXXX acres my family owned, and along with it a mortgage of {$310000.00} whitch i suspected was a fradulant loan because the property is not worth any were neer that amount of money. I contacted B OF A and told them i thought this was a fradulant FHA loan. I didnt hear anything from the fraud department at B OF A for two years and then got a forcloser notice from XXXX XXXX a collection agency for B OF A. After contacting them they stated that they were going to sell the property if I did not imeditaly pay the amount of the loan in full. I conacted my congressmens office and they put me in contact with HUD since this was an FHA loan. This is when we found that B OF A was paid in full in XX/XX/XXXX since there was mortage insurance on the loan. So B OF A was paid in XX/XX/XXXX and is still wanting me to pay the loan agin or they will continue to try to sell my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a collection account on my credit report. XXXX XXXX XXXX XXXX were given the correct insurance information by hospital, yet they billed incorrectly and then sent to collections. I spoke to them multiple times and they dragged their feet billing correctly. When they finally billed it was denied for timely filing. I spoke to XXXX there many times. Per insurance company agreement they can not bill patient for their error. However they continue to keep on my credit report and will not remove it. Ive attempted to dispute with XXXX  yet it remains. The hospital was able to bill and get payment with no issues with the information given because they billed correctly. XXXX XXXX XXXX XXXX XXXX made the error and now they are damaging my credit report. 

Here is the following information on my credit. 

Account Name XXXX. XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} Debt {$1300.00} Contact Information XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX, ( XXXX ) XXXX
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 violates the Consumers Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to 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 Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unrecognized collection account appeared on my credit report on XX/XX/22. I have never had any business exchange with this company.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to ta timely and effective measures to prevent : address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution proc was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience an financial loss, and I seek appropriate redress for these violations
Product: Mortgage

Another piece of evidence that PHH operates above the law and actively participates in bad faith business practices. 

1 ). On XX/XX/2022, I received ( via certified mail ) letter from XXXX XXXX XXXX c/o PHH ( see attached Exhibit A ) in response to my Loan Modification appeal ( " new '' loan modification monthly payment was an estimated double monthly payment - too high ). XXXX XXXX proposed a lower amount and gave me 7 days to respond ; 2 ). On XX/XX/2022, I emailed XXXX XXXX ( see attached Exhibit B ) stating that I received her letter on XX/XX/2022 and that my 7 day window started on XX/XX/2022 NOT XX/XX/2022 as listed on her said letter ; XXXX ). XX/XX/2022, I received an email from XXXX XXXX  c/o PHH ( see attached Exhibit C : demanding payment by end of business XX/XX/2022 ( no listed payment amount or source contract depicting agreed to payment simply no payment amount ). Further, in the event that I didn't make said ghost payment " we will not review the account for a modification ''. I called XXXXXXXX XXXX ( XXXX ) XXXX and left a message on her voicemail ; 04 ). On XX/XX/2022, I did response within the timeframe to XXXX XXXX 's XX/XX/2022 letter ( see attached Exhibit D ). 
PHH is acting as a debt collector NOT a mortgage servicer who has been tasked to help homeowners, such as myself, through the complicated loan modification process.

PHH continues to prolong and delay said loan modification process by 1 ). NOT having a single point of contact - I have never spoken directly with my " assigned '' XXXX XXXX. 
XXXX XXXX didn't send the aforementioned XX/XX/2022 email XXXX XXXX XXXX  did. Who is XXXX XXXX? I have know idea as I never knew of her existence prior to XX/XX/2022 email. 
My loan modification paperwork has been lost and not mailed previously. During this whole process, I have had a active Trustee 's sale date over my head. I have had strangers coming to my home because of the Trustee 's sale date. I don't know if XXXX XXXX is an real estate attorney however that is dual tracking as depicted in California law.. PHH 's customer service reps are NOT qualified to deal with people 's homes. This has been nerve wracking and certainly not good for our mental health. 
I just want to keep my home, get an affordable loan modification and move forward from this financial hardship. I hope we are close to resolve this. I have also be approached by many real estate attorneys who are telling me PHH/XXXX have been sued many times for just what is going on with me here. Just search Consumer data base and you can see all the complaints against PHH/XXXX XXXX 
Again, I just an affordable loan modification payment and to be done.
Product: Credit card

My credit card ( ending with XXXX ) has been used and in good standing all the time in the past five years. The card suddenly disappeared from my online banking system in early XXXX. So I called BOA and got the information saying they needed to verify my personal information it was solved in the call and the XXXX mentioned all things were cleared up. The card was never shown up and when I check with BOA again in XXXX, XXXX mentioned that the card has been closed around the time I called and it will be closed permanently. Then I started to mention that my reward has not been redeemed since the card opening. When I checked with the CS, she said she can see the reward balance of {$1500.00} but can not process the redemption. So she raised a ticket to do it, but finally, BOA declined the redemption request. The whole process, nothing wrong with my side, BOA closed my CC, lied to me saying everything is cleared up, and wiped off the reward even it is still showing in the account. Very disappointed with their service after 16 years banking relationship with BOA.
Product: Credit reporting or other personal consumer 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have thoroughly assessed my current credit report and noticed various accounts that I think are incorrect and were added without my knowledge.
Product: Vehicle loan or lease

I have contacted Santander bank which is who is financing the car for about 6 years in regards the interest rate and their statement that does not make sense. The payments that were made never showed where it was applied, when asked about the interest rate and how was applied was never answer we were put on hold and disconnected. We were blocked from the online account after statement info were obtain, which showed that the amount never went down, when asked were the money was going supposedly it was applied on the interest which is 22 % but why it is not broken down on the statement, why the actual amount after interest is not showing on the statement. I told them that the 22 % is not lawful in my state their answer was its not up to them. When finally spoke to a supervisor she said off the record fight cause they are taking your money. We have paid a total of {$44.00}
Product: Debt collection

Ref : Any/all accounts you have now and in the future This letter is to formally advise you that I am requesting you to Cease and Desist, all communications with me immediately regarding any account that you have or receive in my name or social security # now and in the future and remove all negative marks your company added to my credit report. And if you are the original creditor this may apply to you. And since you are not the original creditor, you must comply. 

Your conduct thus far is unacceptable and borders on harassment. 
Please be advised that the following apply to you. 

Pursuant to the Fair Debt Collection Practices Act : Debt Collection Practices If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, and remove all negative marks from credit report doing the investigation of this case. The debt collector shall not communicate further with the consumer with respect to such debt. 

You are governed by this Act as a third party, debt collector or creditor attorney. All communication with me including phone calls to my home or business must stop immediately. 

The only communication you may have with me is to provide proof that the accounts, have been removed and the negative comments have been removed from my credit report.
Product: Credit reporting or other personal consumer reports

DATE OPENED : XX/XX/year> OPEN BALANCE AMOUNT : {$1700.00} I am filing a formal complaint against TransUnion for what I believe to be an unauthorized credit inquiry, as well as potential violations of the Privacy Act and federal laws regarding identity theft.

I recently reviewed my credit report and discovered an unauthorized inquiry made by TransUnion. I did not provide consent for this inquiry nor did I authorize any transactions with TransUnion. This inquiry appears to be a direct violation of my rights under various federal statutes, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold TransUnion accountable.

Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies like TransUnion, are obligated to safeguard consumers ' personal data. The unauthorized inquiry made on my credit report suggests a failure to protect my information in accordance with this provision.

Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purposes for Credit Reports ) : According to 15 U.S.C. 1681b, a credit reporting agency can only access and disclose consumer reports for specific purposes, such as with consumer consent or for transactions the consumer has authorized. As I did not authorize this inquiry, I believe TransUnion violated my rights under the Fair Credit Reporting Act ( FCRA ).

Violation of 18 U.S.C. 1028A ( Identity Theft and Fraud ) : 18 U.S.C. 1028A criminalizes the use of another persons identity for fraudulent purposes. If this unauthorized inquiry was a result of identity theft, I am concerned that my personal information has been used without my consent, which would be a direct violation of this statute.