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

Dear XXXX XXXX XXXX, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX to your agency [ XXXX/TransUnion/XXXX ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit report. 

Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 

Requested Documentation : In order for XXXX XXXX XXXX XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 
2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe. 

Notice of Requirements : In accordance with Rule 1002, you are required to provide me with the requested documentation within 10 calendar days of receiving this notice. 
Please be advised that merely asserting the information is accurate is not sufficient. 
Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for Action : If XXXX XXXX XXXX COMPANY can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payment ( XXXX ) in Question : XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the disputed late payment entry has been removed.
Product: Credit card

On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from US Bank, XXXX, XXXX XXXX, MO XXXX notifying me for the first time that " ALERT : YOUR ACCOUNT IS SERIOUSLY OVERDUE CALL TODAY TO DISCUSS YOUR OPTIONS XXXX. '' The letter also stated that my XXXX XXXX XXXX credit card account ending with : XXXX had a balance due of {$210.00}. " This is you last chance to avoid more serious collection action. We need to hear from you today to make acceptable payment arrangements. If we do n't hear from you, it will likely result in a negative report to your credit bureau and require us to take actions necessary to collect your overdue account. '' I immediately called XXXX as directed that same day XXXX/XXXX/16 and spoke to XXXX in the Collections Department of US Bank. She told me that the balance due was actually {$2.00} and that all other charges had been reversed on XXXX/XXXX/16 and that my XXXX XXXX XXXX credit card account ending with XXXX had been closed. She told me that this originally occurred because an annual fee of {$85.00} billed in XXXX 2016 had not been paid and finance charges and interest had accrued. I explained to her that this was very upsetting to me because no bill had been mailed to me until this letter dated XXXX/XXXX/16 and no notice had ever been sent to me that all bills for this personal account would be paperless and sent only electronically on computer rather than by paper hard copy via the USPS. This seemed strange to me because my US Bank XXXX XXXX XXXX XXXX credit card account ending with : XXXX was being sent to me by paper hard copy via the USPS. She explained that she could not comment on that because the XXXX XXXX accounts were handled by another division. XXXX was very courteous and professional and then kindly transferred me to the Customer Service Department of US Bank where I spoke to XXXX. XXXX kindly reversed the {$2.00} remaining current balance due leaving the final balance of {$0.00} ( zero ) for the account ending XXXX. She apologized that this misunderstanding had occurred, and that she too could not explain or comment on the different way in which US Bank handled and billed my XXXX different accounts because the XXXX XXXX accounts were handled by another division. She also explained that the personal account ending in XXXX could not be re-opened after this episode and that I would have to re-apply. XXXX was very courteous and professional. 

My concern is whether this unfortunate episode of miscommunication and misunderstanding regarding mailed hard copy paper bills via the USPS versus so-called paperless electronic bills resulted in US Bank generating a negative report to the XXXX, XXXX, and/or XXXX consumer credit agencies. While I did request access to be able to review the status of my accounts online, I never intended this to be a substitute or replace my receiving paper hard copy bills via the USPS.
Product: Student loan

Student Loan Finance Corporation placed my student loan out of deferment illegally and unlawfully, and without sending me any notification. My student loan is not suppose to be out of deferment and I should not have a past due amount because my student loan account should be in deferment.
Product: Checking or savings account

I have been identified as a member of the Settlement Class in XXXX XXXX XXXX v. TD Bank, N.A in which plaintiffs allege the defendant unlawfully assessed Retry NSF Fees. The Final Approval Hearing in this case occurred on XXXX, 2022. I have repeatedy tried but have not been able to get an update on this matter. 
Below is the contact information for the Settlement Administrator : XXXX XXXX XXXX  v TD Bank , N.A . 
c/o XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Free XXXX ( XXXX ) XXXX Email : XXXX Kindly assist. 
Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I feel my information has been compromised either online or by the Equifax data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.
Product: Mortgage

I reapplied for a loan modification in late XXXX and sent all the documents in on XX/XX/XXXX and followed up two days later to make sure they were received, also l called during the month of XXXX to make sure nothing else was needed on the file and i faxed what was requested but towards the week of thanksgiving the customer service rep assigned to the account was out the office so i called and spoke to someone else but was told i could only leave a message, after the holiday i got a email requesting more documents so i faxed those documents on XX/XX/XXXX and again on XX/XX/XXXX, and called to follow up again on them and left messages and emails with the assigned rep but did n't get a reply until two weeks later stating that she did n't get the faxed so i re faxed them again so after all of these things they tell me today my file has been denied, when the fact is that i sent the documents in a whole month ago and they wait until now to tell me they did n't get my documents which an excuse when i called and emailed several times on the status of the file this whole thing is wrong!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Revolving Citibank credit account in good standing was terminated by XXXX in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead XXXX deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the  mistake. However, XXXX refuses to correct the error or contact Citi. Citi says they are reporting the account as active but refuses to contact XXXX to clear it up.
Product: Credit reporting

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form XXXX balance sheet XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I have a loan that was opened through Exeter Finance for {$17000.00} in a XXXX XXXX XXXX. I have no consent of this loan being opened.
Product: Credit card

I received several emails about an account opened under my name. I called Indigo credit card to dispute this account. I was asked to provide a lot of personal information to start a dispute. I gave what information I was comfortable giving. 

I received emails from XXXX and XXXX about this account from both, indicating a credit inquiry from CB Indigo. I called both companies today, asking them to dispute any activity on my behalf. XXXX advised me to contact ftc.gov to file a complaint. Here we are.
Product: Credit reporting or other personal consumer reports

I Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXXate of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ;
Product: Money transfer, virtual currency, or money service

In XX/XX/2021, I was had found a car online for a company name XXXXXXXX XXXX XXXX. This company has sent me all the information for the vehicle, as well as videos of such, the title and their business information. They had a dealer license and everything seemed legitimate. The East West Bank was the bank they provided me with for the money transfer to pay for the vehicle and its delivery. This bank account was a business account. To be able to open a business account you have to have all your business paperwork. So I assumed this was a legitimate business. I sent XXXX dollars to this account and I was scammed. The dealership was a fraud and the bank refuses to provide more information. This bank gave them a platform to steal from me. The police cant seem to do anything. I have lost XXXX and no one is responsible. I do not understand how a bank can be a route for such actions and open business accounts to fake businesses.
Product: Debt collection

Comenity capital bank is saying I owe them over XXXX! I've never had an account with them. It's ruined my credit as well.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX I submitted a bank to bank wire transaction in the amount of {$10000.00}. The bank transfer was from Huntington Bank XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX I received an email from Huntington stating that my authorization for wire transfers had been suspended with no further explanation. I then called Huntington customer service and was told that in order for the transaction to go through, i would need to show verification that i am the owner of the XXXX account. I then went into my local branch that same day ( XXXX XXXX ) and provided the documents requested. Upon verification i was told that it would take till the next morning ( XX/XX/XXXX ) to complete the verification-I was also told that my transfer was being cancelled and the money would be returned to my Huntington account and i would have to put the transaction through again. The promise was that my money would be in my account by end of day Wednesday or Thursday ( XXXX ) morning. As of today, Thursday XX/XX/XXXX my money has still not been released back into my account. So i called again this morning to get an explanation as to why i still do not have my money on the date that was promised. I was then told that the transaction is still being processed and the transfer was never cancelled. So I am being lied to about when i will receive my money, i am being lied to about the status of the transaction, and i have been given no explanation as to why i am being given the wrong information. I understand that as of now i am still within a reasonable amount of time for the bank to process a transaction, however, i am now being told as of this afternoon ( XX/XX/XXXX ) that my money will not be released until approximately Tuesday. This is a major issue as i have bills to pay and no money to pay it with. I am going to incur late fees due to this and if that happens i explained to the bank that i will be filing a lawsuit in small claims court to have them pay for the overdraft/ late payment fees should i incur any due the Huntingtons failure to properly communicate with me. For my money to be released next tuesday ( XX/XX/XXXX ) is beyond reason and is not acceptable. THAT IS MY MONEY, NOT THE BANKS. They are talking to me as if its their money to do with as they please and im about at the end of my patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a previous complaint regarding the reporting of XXXX XXXX XXXX fraudulent report to my credit profile. The response I got was simply file a police report. I have no knowledge of this account I dont know what bureau for district this event took place in. So rather then the Agency investigating looking into or finding the facts they simply throw it on me to prove that theyre wrong in the reporting. The fraudulently reporting to my credit profile while asking me to give them personal information that would allow identity theft to happen while saying if I think its identity theft I mean I dont know if anyone stole my identity I only know its not my account and does not belong there.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX due to their failure to properly credit same-day payments made through their online payment system. This issue results in late payments being reported to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal credit reporting laws. 

Under the FCRA, creditors who report to credit bureaus must provide accurate information and must correct or delete any information that can not be verified as accurate. Specifically, XXXX5 U.S.C. 1681s-2 ( a ) mandates that furnishers of information to consumer reporting agencies, such as XXXX, have a duty to provide accurate information and update or correct any inaccurate information. Furthermore, if you dispute an item on your credit report and the furnisher fails to adequately investigate and respond, they violate the FCRA. XXXX 's failure to properly credit payments and their lack of response to disputes through credit agencies or direct communication is a breach of these obligations. 

Additionally, creditors are required to adopt reasonable procedures to ensure accurate reporting of account status. XXXX 's failure to credit same-day payments accurately leads to false reporting of late payments, which is both misleading and damaging to my credit report. The FCRA ensures that every consumer has the right to dispute inaccurate information and requires the furnisher to conduct a reasonable investigation into the dispute. XXXX 's actions not only obstruct my ability to maintain a fair credit report but also directly violate federal law by not validating the debts when requested and by failing to respond properly to disputes. 

I demand that XXXX remove the late payments from my credit report as their practices violate the FCRA. If they continue to report inaccurate information or fail to correct their systems to prevent further errors, I will pursue all available legal remedies under the FCRA, including seeking damages for any harm to my credit reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX, XXXX, and TransUnion about the Federal Violation of 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE XXXX, XXXX, AND TRANSUNION ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.
Product: Debt collection

letters was sent to the companies including police report stating that the following credit cards and credit lines was open by someone else and I am a victim of identity fraud.
Product: Checking or savings account

I opened a XXXX XXXX XXXX account with Capital One with the ads saying if you keeps it for 90 days with {$20000.00}, you will earn a bonus of {$150.00} Well I opened it on XX/XX/XXXX and now XX/XX/XXXX way over the 90 days required, but no bonus. I called the bank twice, just to be told I just have to wait... maybe by XX/XX/XXXX I will get the bonus. 

This is not right and I am XXXX XXXX XXXX, please help. Thank you! 

Best regards, XXXX XXXX
Product: Checking or savings account

Hi! This concerns previous complaint # XXXX. This matter was not taken care of properly. 

We've tried and tried and tried to solve this matter. After months, we contacted you. WF did write back to us but it was the " same ole ''. Please see our feedback on this. We need your help. This manner will be pursued until it is taken care of properly. 

We need your help. What can you do or what do we do now? Again, this will never be dropped until WF genuinely listens and genuinely looks at this matter. As of right now, WF has only given a standard textbook answer. 

We need WF to genuinely look at this. Please, we need your help. Thank you so much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX
Product: Checking or savings account

Bank of America is offering a {$100.00} bonus when you open a new eligible checking account and complete the following requirements : Receive two qualifying direct deposits of at least {$250.00} each within 90 days Opened eligible checking account online via proper website links on XX/XX/2018 Account approved same day, accessed, setup and provided all requested information and obtained access to account via online banking service login. 
Began to setup direct deposit with employer the next day XX/XX/2018. 
Opening deposit of amount of XXXX from provided account of another bank was transferred and completed to Bank of America on XX/XX/2018. 
Received Debit card and deposit checks in postal mail on XX/XX/2018. 
After holding my funds for almost a week, received email subjected " Action Required : Unable to complete opening Deposit as requested '' on XX/XX/2018, and on same date, transferred funds were pending to be sent back to funding bank originally sent from. 
Trying to log into account via website service after told to do so from email returned messages of no such account, no profit existing of my info. 
Call Bank of America for answers XX/XX/2018. 
Bank of America Representative gives notice that because my account was considered fraudulent, I had to instead go to a branch and provide two forms of ID, my government issued ID and they wanted my social security number card to be present, meanwhile I had already had my account approved and open for a weeks time. 
Bank of America provided no communication about the seriousness of the situation and instead allowed a simple message of failure to fund account ( which was not valid a week ago ) and allow a customer to mistakenly move their pay check into a bank that has decided on their own accord to not do business without changing the agreements presented and agreed upon prior to their own changed decisions. No good faith made in communication whatsoever.
Product: Credit reporting

I have disputed multiple times with Trans Union XXXX inquires that is not my and in the last respond by them they are telling me that an Inquire is when a company checks your credit not wanting to do any investigation. 
1. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove the following items Asap : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX