23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Attention General Counsel : Experian| XXXX XXXX XXXX XXXX We have enclosed the Arbitration Form outlining the specific details of our dispute. We hereby notify our intent to formally demand that Experian assume responsibility for covering the arbitration costs as required, prior to proceeding with the filing of this case with the XXXX XXXX XXXX ( XXXX ). 
To avoid arbitration, please address this matter promptly and confirm your compliance in writing. 

15 U.S. Code 1666b - Timing of 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. 

REMOVAL OF ALL LATE PAYMENTS IMMEDIATELY - UPDATE ACCOUNT " PAID AS AGREED " Account : XXXX XXXXXXXX Account Number:XXXX  Pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o, this correspondence serves as formal notice that your continued failure to address and resolve the inaccuracies in my consumer report constitutes willful noncompliance and negligence under the Fair Credit Reporting Act ( FCRA ). Your obligations under federal law require the maintenance of accurate and complete consumer files, and your failure to take corrective action after being notified of this matter underscores a disregard for your legal responsibilities. Enclosed, please find an arbitration form that I am prepared to submit should this matter remain unresolved. I urge you to rectify this issue promptly to avoid further legal action necessary to enforce my rights under the FCRA. 

XXXX XXXX Account number:XXXX and alleged to be Closed Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the sophism must be eradicated as is my legitimately requested resolution, please do so HERE AND NOW! It is ILLEGAL to retain or report misleading or unproven info, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally divulged allegation ( s ) here and now. ALL claims, appropriate or not, must be apodictic to be currently and fully bona fide, CORRECT, COMPLETE, TIMELY, of principal OWNERSHIP, of principal RESPONSIBILITY. Applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others. document laws and needed reporting standards, you or any entity are in infringement of XXXX XXXX rights. Should you continue to cling to and/or report any chicanery based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be authoritative, correct, complete, timely, or else wise fully compliant.
Product: Credit reporting, credit repair services, 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 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXX-account ending # XXXX, XXXX Bank XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXaccount ending 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

How is this company not being investigated yet????? I was on the phone with them 2 hours a day for three weeks and it's like taking 2 steps forward and 5 steps back! When calling today, the escrow analysis that was expedited on XX/XX/XXXX after talking to XXXX, XXXX, XXXX, XXXX and the finally the manager, XXXX and was told on a good note, XXXX XXXX, there's no sale date for your house yet. YES THERE IS! It'sXX/XX/XXXXat XXXX XXXX, hence why I can't wait till XX/XX/XXXX for an escrow analysis!!!! When I called today, XX/XX/XXXX, I also spoke with 5 representatives and was told this was never ordered onXX/XX/XXXX, but they'll put the request in for me now. Sure .... while my house is going up for sale on XX/XX/XXXX and this reinstatement quote is only good until XX/XX/XXXX!!! I called CFPB direct and didn't get much help either. I was told they have until XX/XX/XXXX to respond, however if they don't respond .... then what? Where's the accountability here?

Dated XX/XX/XXXX I was promised a reinstatement quote before the end of the business day today and after talking with 2 representatives and a supervisor and was told it was being expedited .... I still haven't received it. I sent you a registered letter last Monday requesting this information as well as an email on Wednesday requesting the same information. I haven't been able to reach anyone at your company in 4 months until my house was put into foreclosure. I do mortgages for a living and I have the funds to pay, but it's really convenient when you don't use the attorney you hired locally to do the reinstatement and I have to go through your office that I haven't been able to get in touch with for 4 months!!!!

What do I have to do to obtain this information from you and how is it your company is still in business? There's an open complaint with the CFPB ( XXXX ) and I will be fighting any attorney fees and cost that you requested from XXXX XXXX XXXX XXXX XXXX last Wednesday and request repayment of my attorney fees if I have to get him involved tomorrow. If my phone call was taken the 21 times I've tried calling to make payment with hold times no less than 1 hour 30 minutes, you wouldn't have had to hire an attorney. How many other people have you swindled their house from under them? I'm knowledgeable in this industry and can't believe what I've had to go through to get this information. XXXX  help those people that know nothing and just lose their house!!!
Product: Mortgage

We are in the process of doing a short sale with Bank of america. We have submitted all paperwork and understood because it was a VA loan that it had to be denied for a loan modification before are offer for a short sale could be considered. I have recently moved out with my significant other and our baby girl and have been maintaining the property and our realtor had the lockbox on the door in order to show the property to potential back up offers for a short sale. Bank of America sent safe guard properties into the and drilled out all the locks on the doors and replaced them with their own, they damaged the front screen door, and posted signs all over the house. It has greatly diminished the value of the home and the look of the property. They are making us jump through all sorts of hoops now to get keys to the property and will not return the lockbox they destroyed or provide compensation for it and the screen door they broke. The bank is saying they have every right to enter the premises and do what they did, which is completely illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not complying with their own policies in a timely manner. I have sent a 609 letter and a letter demanding that they comply to remove erroneous accounts on my report. It has been 30 days and no response or notification of a pending investigation.
Product: Mortgage

I have an account on my credit report that is not mine. My name is XXXX XXXX, XXXX ; my father 's name is XXXX XXXX. My birthdate is XXXX XXXX, XXXX ; my father 's birthdate is XXXX XXXX, XXXX. My address is XXXX XXXX XXXX ; my father 's address is XXXX XXXX XXXX. Our records are constantly getting confused. I have helped with making payments on this property, but it is not and has never been mine. My only mortgage since XXXX has been with XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personal identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX, XXXX, IL XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number XXXX XXXX XXXX. 
My social security number and date of birth ( XXXX ), for privacy reasons. 
Additionally, please delete all information in the employer section. 
My only remaining contact details should be my name ( XXXX XXXX ), address ( as mentioned above ), date of birth ( XXXX ), and my email ( XXXX ). 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has a XXXX charge off and two XXXXXXXX XXXX  collections reporting on my consumer report. TransUnion declined to delete from my consumer report. And declined to provide me with proof of where the confirmed there proof.
Product: Mortgage

My home mortgage was sold from XXXX To Loan Care LLC in VA. and I made an electronic payment of {$900.00} to Loan Care LLC in  XX/XX/XXXX which they can not locate. I have submitted proof of electronic payment from my bank several times. There customer service is terrible. I have send email made many call s through my bank but have not been reimbursed for this amount. This has never happened to me. How could they loose an electronic payment? This is theft.
Product: Credit card or prepaid card

my debit card was compromised and there were fraudulant charges made so i immediately called bank of america in which they canceled out the card and sent me a new one well they ended up not disputing those charges in which my email address was aldso compromised and i stated that to the bank of america represenative and i had to make a whole new email account in which he also took notes of that. The total amount came to {$200.00} after they denied my claim they sent me an email and a letter saying that they were some updates on my account and servicing options and that i could have my claim reopened so they sent me the letter twice so i decided to re open the claim and only for them to deny it which was XX/XX/XXXX i disputed these charges 3 months or 4 months ago they sent me letters 2 seaparate times and which i called in and the last represenative i spoke with i asked if there was documentation that i needed to show because i had documents to prove they were fraudulant charges and she told me no that wasnt necesssary and it didnt show in the notes that, they were needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from the XXXX  stating that I was late with a payment ( I have never missed a payment with this company ) and my credit limit would be decreased due to the late payment. I spoke with a XXXX  Representative on XX/XX/XXXX regarding resolving this matter and to explain why my credit limit was decreased due to a late payment and also to have this unfair marking taken off my credit score. I explained to her that I was a XXXX  on a fixed income trying to purchase home and how this was unfair and effecting my credit score. I do not and did not request an increase in credit. I keep my accounts in excellent standing with XXXX XXXX  

The Rep. then provided me with the Consumer Resolution address and directed me to write a letter requesting for this to be removed from my credit, stating that my accounts are in excellent standing with their company and she ensured me the issue would be resolved immediately.

I drafted a letter to resolve the credit report issues and my concerns, stating the above-mentioned concerns and mailed it on XX/XX/XXXX. I HAVE NEVER received a response back until today XX/XX/XXXX. I received a letter that my credit limit was decreased AGAIN due to my credit score. NOT a delinquent late payment or any negative marks on my account.

I called today ( XX/XX/XXXX ), spoke to the resolution supervisor XXXX  ID : XXXX which had difficulty explaining why I did not receive a response back from my first letter, why this particular XXXX XXXX Card was being unfairly penalized ( decreased in limit ) and not the other six cards I have with this company. I explained to this representative my goals for this call was to have these marking removed from my credit report because this account and all six accounts with XXXX  are in excellent standing. I have never missed a payment with any of my accounts and I have XXXX balances with other accounts with their company. I explained that I am a teacher and I am currently in the process of buying a home and these unfair reports are impacting my credit score dramatically. He directed me to send a secured email through my XXXX XXXX  XXXX account sating the mentioned concerns. I explained to him that my letter did not get a response why would an email be any better? I needed someone to explain why a customer with perfect payment history with this bank being treated unfairly? As a consumer, I am doing the right things such as keeping my accounts with this company ( NEVER missed a payment ) in great standing and paying my bills on time why am I being punished for doing the correct thing?
Product: Credit reporting or other personal consumer reports

Please remove unauthorized inquiry dated XX/XX/2024. 

Requested opt-out of all prescreening.
Product: Student loan

I have two outstanding student loans with ECMC with a balance that total {$11000.00} during the covid pause ECMC refused to pause the interest rate and in fact kept calling to pay payments on the student loans. I am also XXXX  and a veteran and ECMC still attempted to collect on the loans while in the covid pause was in place. On XX/XX/XXXX, I received a notice from ECMC that I can request a refund of any monies that was paid to ECMC during the pause but they refuse to refund those monies of {$4000.00}. ECMC still refuses to pause the interest rate on the loans.
Product: Money transfer, virtual currency, or money service

PAYPAL STOLE MY MONEY! 
I did create a paypal fundraiser XXXX XXXX XXXXXXXX after having received many donations paypal all the sudden limited access to my account permanently saying the transactions are a risk and that my funds will be available in 180 days. now 180 days later they did withdraw the money to themselves! THEY STOLE ALL MY MONEY! THEY DID NOT EVEN SEND AN EMAIL ABOUT IT! THEY JUST TOOK IT! 
ALL DONATIONS THAT I HAD RECEIVED THE JUST STOLE THEM!
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 and XX/XX/2024. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, Experian, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

every XXXX of the month I pay XXXX plus a XXXX processing fee. 
i emailed my payment on the XXXX of XXXX. 
XX/XX/2023, called to ask why they did not pull payment from my account they said that the person that handled my account doesn't work there anymore. i asked if i could send both my payments on the XXXX of XXXX and the secretary said that if would be ok, she transferred my phone call to me to a lady named XXXX who would handle our account she did not answer the phone so I left a voice mail explaining that the lady at the front desk said that it would be ok to send both payment of XXXX and XXXX on XX/XX/XXXX. 

i mailed both payments never got any confirmation back saying they received my payment nor have i ever got a statement of what my balance is, account number or anything of a receipt back from them for my own records. 

before i went into the hospital i tried calling US Collections west ( XX/XX/2023 ) to see if i could talk to XXXX and try to make a payment she did not answer the phone nor respond back to my voice mail. 2 days later ( XX/XX/2023 ) i called again and i finally got to speak to XXXX i asked why she hasn't responded back to my voice mails and that I've been trying to make a payment on my account, i also asked that she mail me a statement of my account. 
for the last 6 months before XXXX i talked to XXXX XXXX asking him the same question but he always forgot, or he just didn't want to do it. i told him that it is my legal document for the transaction that i have with you so there is no problems later on. 
i never got that document and XXXX in her words she doesn't want to babysit us nor tell us about our account or send us statements this was on repeat from her she hung up on me and when my husband tried to call her secretary hung up on him and when he finally got a chance to talk to XXXX she hung up on him as well. very unprofessional company. 
in the end my husband sends an email ( XX/XX/2023 ) stating that he would not like XXXX to handle our account due to her being very unprofessional and not sending us information about our account. 
today ( XX/XX/2023 ) my husband received a phone call from XXXX who said that it isn't their responsibility to send us statements when it is clearly stated on their account ( US collection west.com ) that they do I also found this information on the consumer financial protection bureau as well that debt collectors do have to send information about your account, balance and how much was paid. 

i thank you and appreciate the time for helping us out.
Product: Credit card or prepaid card

A new credit card was sent to my house on XX/XX/XXXX ( I did not receive this card ) The card was activated on XX/XX/XXXX with a phone number that begins with area code XXXX - I think the last four digits were XXXX ( all our phones are area code XXXX ). We live in XXXX  but our phones have an area code for XXXX XXXX because we use to live there. 
on XX/XX/2021 I received a text message asking if I was attempting to make a purchase at XXXX in the mount of XXXX. I replied no and received a call from the fraud department. This is when I learned that a card was sent to us on XX/XX/XXXX. I received the recent transactions with the fraud department and determine that there were several charges from XX/XX/XXXX through the XXXX at which time the card was cancelled. 
I opened a police report on XX/XX/XXXX ( XXXX, XXXX  ) police report number XXXX. 

The fraud department has told me that there was a call made from the XXXX stating that the card was not working and they were able to tie this number back to a number that was determined to be mine. They also stated that this call was recorded. I have asked that they provide me with that information because I am 100 % positive that we did not make that call - nor did we make these charges. 

All of the timing for these charges began after the card was sent and to the point it was reported as fraud. I feel very upset that I am being asked to pay for these charges. I have a balance on the card that is substantial and the only questionable charges are the ones in this timeframe. 

The credit card company told me that I have not provided any proof that these charges are not mine but couldn't tell me what proof they needed. 

I have filed an affidavit with XXXX XXXX for one of the charges. 

I have also called the company ( XXXX ) about the charges on my credit card statement. They informed me that the account was opened up on XX/XX/XXXX but couldn't provide me with any other details. 

Another thing to note is that we received letters from several companies regarding applications for recent loans. We did not apply for any loans and have worked with the fraud departments of those companies to resolve those issues. 

I put a fraud alert on the credit bureaus on XX/XX/XXXX. I also filed fraud alerts with XXXX, FTC and XXXX XXXX. 

My guess is that the person who stole the credit card from the mail box also used the XXXX to requested information on us. I could not confirm this because they were not able to provide me with any additional information. 

I would like somebody to look into this further and help resolve the issues with Best Buy Visa to have these charges marked as fraud.
Product: Checking or savings account

I filed a dispute with XXXX unauthorized transactions. Chime sent a letter XXXX was refunded and XXXX determined to be no error made. I then asked for proof showing they investigated XXXX charges and they sent a XXXX page response covering all XXXX transactions which is a joke as they were mostly different merchants. Getting nowhere, I contacted one of the merchants and discovered that someone had opened an offshore gambling account and the casino received the request for chargebacks totaling {$1500.00} by Chime and they obliged ... .CHIME STILL GAS NOT Refunded MY $ $ though the merchant had reversed the $ $ and is not fighting the unauthorized claim... this is illegal. If not resolved I will open arbitration mega case