23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Chase Bank has routinely delayed posting an online payment on my account to then charge me not XXXX but XXXX or XXXX additional overdraft fee charges. this regularly happens over the weekend, so I am careful, but then the charges do n't clear on Monday BAM I am hit with XXXX to XXXX additional XXXX dollar over draft charges. 

This is crazy. I am trying to save so that I do n't have to endure these charges, but this does n't fix their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account is unknown to me and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

DPT EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX & Account # XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX & Account # XXXX Toyota Motor Credit & Account XXXX XXXX and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

I would like this agency to open investigation in regards Nationstar Mortgage LLC. this services must show the appropriate change of title in how they acquiring the loan at question Loan # XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times 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. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX have violated federal laws including 15 USC 1666b, 15 USC 6801, and 15 USC 6802, causing harm to my person. It has also subject me to involuntary servitude, peonage, and human trafficking of my person. XXXX XXXX has falsely reported 31 missed payments of Trust property without proper validation of the debt providing due process. Under 15 USC 1666b, creditors are required to provide accurate billing and dispute resolution procedures, which XXXX has failed to follow. Their actions constitute fraudulent and deceptive practices. XXXX XXXX, after purchasing the purported debt, continues to report as a debt collector. A violation of 15 USC 6801 and 6802, which mandate financial institutions to protect consumer information and prevent deceptive practices. Since XXXX purchased the debt, they are no longer a third party collector but rather the principal, and they must comply with all credit obligations. Misrepresentation unlawful reporting create financial bondage further constituting involuntary servitude and peonage under 18 USC 1581 and 1584. XXXX XXXX Peonage, and Financial Exploitation - the deceptive and unlawful actions of XXXX  and XXXX XXXX  have forced me into a situation where my labor and financial recourses are continuously exploited to pay a purported debt under false reporting. RICO Violations and Financial Exploitation- the coordinated fraudulent actions of XXXX XXXX and XXXX XXXX constitute racketeering activity under RICO Act 18 USC 1961, 1962, 1964. These activities have engaged in : Mail and Wire fraud 18 USC 1341, 1343 through deceptive financial reporting and unlawful collection practices. Financial exploitation and XXXX XXXX 18 USC 1589, 1595, by creating unlawful financial constraints the restrict my economic freedom. Extortion 18 USC 1951 through fraudulent debt claims wrongful repossession and continued financial harassment.
Product: Credit reporting or other personal consumer reports

Iam filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. which mandates a reasonable investigation of disputes.Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBS recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i checked my credit report to find a new inaccurate balance owed to PENN CREDIT CORP for XXXX, i never did business with or had any interaction with Penn Credit Corp. They stated that they are collection agent for XXXX XXXX XXXX, i don't believe i owe them any money either. i am very speechless to find out that XXXX allow anyone to just add negative items to my report for whatever reasons. I will like complete proof and breakdown of how i own such amount, with a signed contract bearing my legal signature, proof of billings statements. I kindly ask Consumer Bureau to really investegate on my behalf to find out what's really going on because my family and i can't continue in this circle of uncertainty, with the mindset that at any time anyone can put whatever negative items on my report without legal rights or proof to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 my account was reported positive on my Nissan car loan and then it turned to negative which was incorrect and they will not allow me to dispute it saying I already filed it Nissan reports a lot of wrong information I have never been late of any of my bills and this is really affecting my report and credit status all 3 credit bureau agencies
Product: Debt collection

Dear Experian, I have disputed this account # XXXX and # XXXX before by a company call XXXX and XXXX XXXX. They both sent a copy of the consumer contract which is not sufficient evidence of debt. I have nerve done business with them before and they have had reported to my Experian and XXXX consumer agencies. XXXX has them both off my consumer report after investigated the account. I am requested that you Experian reinvestigate these account and have them both deleted off my consumer report. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. XXXX XXXX XXXX and XXXX XXXX HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both XXXX XXXX and XXXX XXXX XXXX are liable according to Title 15 USC 1681o.
Product: Bank account or service

My account # XXXX at Bofa was charged a NSF fee on XXXX/XXXX/2016 for {$35.00} when I noticed on the account activity a merchant deposit being made the same day so I am not sure why the account was charged this fee. I believe there were enough funds in transit that should have been sufficient enough to take care of this fee. The Bank charged this fee unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..
Product: Checking or savings account

I have a debit card with Wells Fargo and on XX/XX/23, it was attempted to be used for at least 6 unauthorized charges of {$50.00} through XXXX for XXXX credits ( only XXXX of the {$50.00} charges were successful ). I immediately responded to a text message I received from Wells Fargo asking if the charges were made by me, and I said no. I then immediately turned off the card and called the Wells Fargo fraud complaint line to ensure it was reported promptly and correctly. On XX/XX/23, Wells Fargo closed my fraud complaint and said there was no fraud, even though I immediately reported it as fraud, took all the steps to ensure no further charges were made, and have proof that the charges were not made or authorized by me. When I called the fraud complaint line to see if an appeal was an option, I was told I could file a police report if I wanted to take any more action, but that Wells Fargo would not be crediting my account for the 4 {$50.00} charges and that the complaint would not be labeled as fraud. I was not given an option to appeal this decision or told specifically why they didnt find it to be fraud.
Product: Checking or savings account

I drove to the bank on which the check was drawn to confirm the validity of the check. I was told they don't verify I had to deposit it in my bank, which I did and the check returned. It is as though the issuing bank is complacent in supporting this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i reviewed my consumer file and realized there were late payments reporting to my consumer report according to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumerA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During XXXX ( Covid ) and due to a XXXX XXXX  we filed a XXXX XXXX. US Bank has a second mortgage on our home property and the loan was discharged during the bankruptcy and although we did not reaffirm the loan, we continued paying. On more than one occasion, US Bank has not applied the payment towards the loan ( we have to pay via our bank/credit union because we can not access the loan online with US Bank due to the discharge ). US Bank charged late fees that currently total over {$600.00}. 

Last month I made XXXX payments in the amount and {$950.00} and {$970.00} and the statement only reflects the payment of {$950.00}. I spent hours on the phone and they claimed the payment from XX/XX/XXXX was stopped, so the XXXX payment was applied to XXXX. I have a bank statement showing that US Bank cashed a check on XX/XX/XXXX, so the payment was NOT stopped. Taking the money and not applying to my account is fraudulent and since this loan was discharged I have tried to negotiate a settlement for a lien release as we are tired of dealing with this and it has happened more than once. The amount of time I have to spend to prove the payments were made is ridiculous- I have NEVER missed a payment on this account, even after the bankruptcy and the discharge of the loan. 

I want the missing payments credited, late fees reversed and I would like the option to negotiate a settlement for a lien release.
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  Accounts listed 
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



, 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 cannot 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: Credit reporting or other personal consumer reports

You Equifax are reporting inaccurate information to my consumer report! 
The accounts XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX are inaccurate and the information is incomplete. These accounts are being disputed in its entirety. I have attached my credit report showing incomplete and inaccurate payment history. 

For XXXX XXXX XXXX : 1. The payment history doesn't show when the account was 30 days late. What month and day was this alleged account 30 days late? 
2.The payment history is showing 60 days late in XX/XX/year> first and then 90 days late in XX/XX/year>. Account does not show when the alleged account was 30 days late at all. It must be in order from XXXX and so on. Can not start at 60 days late. This account is inaccurate. This is a violation fix or Delete. 
3.How was the last payment in XX/XX/year> and the payment history shows it was paid on time in XX/XX/year>?. This is a violation fix or delete. 

SEE DOCUMENTS ATTACHED For XXXX XXXX XXXX : 1.When was the account XXXX, 90 days late if this account is a charge off? The payment history must show all payments. 
2.This account is not a debt anymore and must be removed if no late payments are shown. 

SEE DOCUMENTS ATTACHED You have an obligation by law pursuant 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Promptly Delete these inaccurate and incomplete accounts from my consumer report.
Product: Checking or savings account

This is a follow up to my previous complaint regarding them closing my account. That one was investigated and capital one finally advised the cfpb it was their error. However, capital one took it upon themselves to reopen my closed account without my permissions. They then all of a a sudden started approving some auto drafts that had been schedule for the past 10 years. Up until that point everything was denied. I received returned funds fees all over the place. I have tried explaining I never authorized the account to be reopened and these should have been returned just like all of the other ones they returned yet they are still trying to collect the approx {$240.00} from me. 

I never wanted this account reopened. After what they did to me and the nightmare they caused me I will never do business again.
Product: Student loan

This is my daughters student loan that I co-signed 10 years ago. XXXX of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to XXXX XXXX, Senior Collections Mgr. at XXXX. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for XXXX XXXX. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection email. There is no email address to respond to letting them know that I have been in contact with XXXX XXXX. I am asking for a response so that my daughter and I can move on. This loan started at {$5600.00} 10 years ago and because my daughter could not afford to pay more than the 10 % interest payments, the loan is now at an astounding {$8600.00}. She was too embarrassed to tell me this. I do n't want to accrue any more interest on this loan. I originally asked them to lower the interest rate and I would make the payments to them. XXXX XXXX XXXX told me she had the power to do that but would not. That is why I am contacting her boss XXXX XXXX.
Product: Credit card or prepaid card

I've tried to contact barclays ( XX/XX/21 ) about about transaction on XX/XX/21 in the amount of {$69.00} from a merchant of XXXX [ XXXX XXXX ] and the agent didn't want to help, she actually hung up on me. 
I'm trying to dispute this charge because XXXX forgot or didn't want to fulfill the order and I've waited for a long time for them to even process the order, but some how these merchants always take your funds away instantly with no problem. So I contacted the merchant first and told the to cancel and refund the order within 1-2 days, which they didn't, then they ignored my request so I contact barclays after the 2 days I've given XXXX  to resolve on their own. 
So barclays is not helping either, I would like a prompt refund for the order that was never shipped.
Product: Credit reporting or other personal consumer reports

I have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( Financial Institutions ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).