23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Yesterday, I made a transaction using XXXX to give money to my friend. My payment was rejected on grounds of fraud and I was on hold for more than 30 minutes to speak with a banking associate. 

After getting on the line, the agent proceeded to ask me questions about who this purchase was going to, whether I had met this person or if I knew the purpose of the expense. 

I explained to the agent that this was someone I knew and that we were exchanging funds for a ticket purchase. 

Throughout all the years I have had XXXX, my transactions never resulted in fraud transactions. I'd like to know why this has changed and whether or not Bank of America is unnecessarily targeting people with my name as those predisposed to commit fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND, XX/XX/XXXX 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 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have provided to ensure I dont have to deal with this problem again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request correction of several inaccurate late payments that are currently reported on my credit report. These late payments are affecting my credit score negatively, and I believe they are unjust and need immediate rectification. I have attached copies of my credit reports from XXXX and Transunion Credit Bureaus to this letter for your reference, which clearly show the inaccuracies I am disputing. I would like to bring to your attention that I have never been late on these accounts, and the late payments reported are erroneous. I have always made my payments on time, and I have documentation to prove it, including bank statements and payment receipts. Therefore, I am formally requesting that you investigate and correct these inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. I kindly request that you : 1. Conduct a thorough investigation into the accuracy of the late payments on the mentioned accounts. 2. Contact the respective creditors to verify the accuracy of the late payment information. 3. Correct the information on my credit report to accurately reflect my payment history. 4. Provide me with a written response outlining the results of your investigation. I understand the importance of maintaining an accurate credit report, and I am committed to resolving this matter promptly. I kindly request that you complete this investigation within the time frame specified by law. These are the following accounts needs to be corrected in question : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX Balance Owed : {$28000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused XXXX  XXXX, hardship as well as XXXX  XXXX  to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

I hold checking accounts at a branch of Webster Bank in XXXX, New York. I have been repeatedly requesting mailed monthly statements for my checking accounts from Webster Bank. I have also made those requests through prior complaints made with CFPB. 
Webster Bank took my original checking account ending in XXXX and kept of portion of the funds in that XXXX account but put the majority of the funds into another checking account ending in XXXX. This was done by Webster Bank because two fraudulent checks were written against my checking account ending in XXXX. 
My efforts requesting mailed statements started with a face-to-face request with the banker at my local branch. No result. I then followed with emailed requests to the banker. No results. I followed this with filing a CFPB complaint. Webster Bank did finally start to send my statements for my checking account ending in XXXX. However, they have not sent any at all for my account ending in XXXX which held the majority of my funds. 
Webster Bank did not reimburse one of the two fraudulent checks cashed against my account because they claimed I did not report the fraudulent activity within 30 days. In light of this it's very unfair and hurtful to me that they have not provided mailed monthly statements to me for account ending in XXXX. I hereby AGAIN request that they please provide my statements so I can have control of my checking account. This is causing many sleepless nights. 
Please help me to resolve.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Product: Checking or savings account

<<<<<<<<<<<<<NOTICE OF INTENT TO SUE>>>>>>>>>>>> Please be advised that within the next several weeks the undersigned intends to initiate a civil lawsuit against Citibank arising out of a matter within the jurisdiction of the District Court for XXXX XXXX XXXX county. 

Citibank has BREACHED its FIDUCIARY DUTY, and as a result, the undersigned intends to SUE, and Citibank is on NOTICE of that intent. 

Specifically, pursuant to page 28 of the Citibank Client Manual, the undersigned specifically notified Citibank, in writing, that the undersigned DID NOT agree for Citibank to pay any check presented to Citibank for payment more than six months after its date ( a stale-dated check ), even if the presentment occurred after the expiration of a stop payment order. 

Further, the undersigned also notified Citibank, in writing, that the undersigned did not agree that Citibank would not be required to identify stale dated checks or to seek my permission to pay them. To the contrary, the undersigned advised Citibank, in writing, that the Bank MAY NO pay but shall REJECT any checks which is presented to it for payment more six months after its date ( a stale-dated check ), on ANY of my checking accounts, including, but more specifically, the checking account ending in XXXX. Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be LIABLE for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this SHALL supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.
Product: Debt collection

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Product: Debt collection

This company has reported A debt by a company name XXXX XXXX XXXX  on my credit report in which I have never an account with XXXX XXXX XXXX or this debt collection company. They have the name listed under XXXX XXXX which has not been my name since 2014. I have identity theft listed on my report and before anyone open an account they are to contact me which was not done. I spoke with XXXX XXXX XXXX and was advised they can not look into the fraud because this company has the debt. It is illegal to knowing report false and inaccurate information. This is not my debt and i have never opened an account with this company theyve listed on my report.
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 USC 1681. 
XXXX Account # 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
Product: Money transfers

I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!
Product: Checking or savings account

I will, always have problem with paying always a error come up another issue that happen a lot is reflecting the wrong amount on the account. Another comment issue is the amount you can & can not withdraw causing me many many issues specially will be in the middle of an emergency
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : 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 Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX XXXX, I sent XXXX, XXXX, and Equifax an FTC report with my State ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from XXXX, XXXX, & Jpmcb Auto on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
Product: Credit card

XX/XX/XXXX Chase sent notice of application being held up due to incorrect information Did not open card
Product: Credit reporting or other personal consumer reports

told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ), 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Credit reporting, credit repair services, 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. The sent letter to the credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX : {$57000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and unauthorized accounts have been opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

The following account ( s ) were not authorized by me and should be blocked and deleted from my credit report immediately : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Amount : {$81.00}
Product: Vehicle loan or lease

On XX/XX/2024, I filed arbitration with File Number XXXX against Gateway, and they have failed to respond to the arbitration proceedings. This failure to respond represents a clear breach of our agreed-upon arbitration agreement. By not participating in the arbitration process, Gateway has demonstrated a willful disregard for the contractual obligations outlined in our original agreement. As the complainant, I maintain the fundamental right to have my disputes heard in arbitration, and Gateway 's non-responsiveness should not prevent me from seeking resolution. Their silence does not negate my right to a fair hearing, and I am prepared to pursue all available legal remedies to ensure my claims are properly addressed. The arbitration administrator should be notified of Gateway 's non-compliance, and I am ready to seek appropriate next steps, which may include further legal enforcement of the arbitration process.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Payday loan, title loan, or personal loan

regional XXXX XXXX  refuses to provide me with a statement of my account so that i can determine what my payoff amount is.