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

I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XXXX.Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Vehicle loan or lease

I believe there is XXXX and XXXX XXXX associated with Wells Fargo 's auto loan program. I have an auto loan with Wells Fargo for roughly {$51000.00}. I called on XXXX XXXXXX/XX/year> to make a principle only payment of {$37000.00}. I was told the only way I can make principle only payments is by paying up to the daily limit of {$4900.00} every day until I get to the total amount I wanted to pay. Rather than making XXXX principle only payment, Wells Fargo is now forcing me to come back every day over a XXXX day period to schedule a payment. It is no wonder that Wells Fargo is always the subject of enforcement actions. I was never told when I applied for my loan that my principle only payments would be limited to {$4900.00} per day. I think this is unfair because it subjects me to additional interest.
Product: Bank account or service

This is in reference to company call Direct Express which I get my Social Security XXXX checks deposited to my account number is XXXX for XXXX reference number is XX/XX/XXXX their phone number is XXXX back on XXXX XXXX my filed dispute I told him that I was in a XXXX from XXXX XXXX till XXXX XXXX I was learning in a XXXX and any charges I was made in between those dates are not mine did n't give me the run around for almost a month now and I told him that I was in a XXXX in a XXXX so there 's no need for the XXXX bus ticket at this moment give me refund of the money that was taken out and investigate and find out later let 's go what was going on because I was in a XXXX for god sake I was
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contacted XXXX XXXX XXXX  to have someone come out and give an estimate on building a pool. They asked me my name, birthday, marital status, and if I owned my home. I gave them that information. The next day I got an alert on from my credit monitoring service that XXXX XXXX XXXX had pulled my credit. I called them to find out why and resolve the isse. I was told that they asked for my permission to pull my credit when they asked for my birthday. I was never asked if it was ok to pull my credit. I had no intentions on using their financing and so there was no need for them to do this. I did not give them permission to access my credit and want this inquiry removed.
Product: Credit reporting or other personal consumer reports

Equifax has failed to continue consistent service... I have repeatedly sent NOTICE to update my address accordingly : XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia XXXX There should not be anything regarding my past whereabouts without my authorization as many criminals use any and all information possible to commit Identity Theft - see attachments. 

This is depriving me of my right to privacy.
Product: Checking or savings account

Navy Federal Credit Union has gone too far. I am constantly getting charged with overdraft fees and NSF fees constantly to the point that it's a regular occurrence multiple times a month! They will do anything and everything to charge you! AND on top of that IT TAKES DAYS TO WEEKS FOR Transactions to fully authorize. One day you think you have more money than you do and then boom the next day you're short hundreds because they finally authorized the pending transactions. These 2 are the worse things about Navy Federal and neither of these is fair to any member.
Product: Checking or savings account

Recently logged into an account I forgot I had with Huntington Bank. There was less than {$15.00} in the account. It looks like they randomly charged a fee at the end of XX/XX/2022 of {$15.00} causing the account to go negative. They last charged a fee in XXXX and there also happened to be less than {$14.00} in the account, again causing the account to go negative. Upon further review this has happened randomly several times over the course of a year. They did not charge a fee every month but the months they charged a monthly fee it caused the account to go negative. This practice of charging a monthly fees greater than what is in the account on an inactive account is unethical and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have this issue addressed for at least the past 10 months. I have submitted all the documents that Experian asked for which proves that I have never filed for bankruptcy. Experian told me that a third party source informed them that I have. However, I reached out to the third party company which is XXXX XXXX. XXXX XXXX had informed me that the information that Experian is reporting is inaccurate. It seems that I can not get any help from Experian about this matter. I gave them everything that was requested, even a letter from my local courthouse stating that I have never filed a bankruptcy and also a letter stating that it was never reported from west Tennessee that I filed a bankruptcy. I dont understand why Experian is reporting this.
Product: Mortgage

I have a conventional load with Amerihome Mortgage. I technically missed a payment in XXXX. However, this was simply by electronic error. On XX/XX/XXXX, I submitted the payment using their online payment website. However, the payment didn't process. This was not brought to my attention. I did not realize they did not receive the payment. 

In XXXX, I made my next scheduled payment. However, I was actually paying the late XXXX payment. Again, I just didn't realize it. When I went online to make my XXXX payment, I found Amerihome has fully closed my account and passed it along to another company. Possibly a debt collector but I have not information for them. I have no contact information for the other company.

I looked back through my email to see if I missed something and found that Amerihome had apparently tried to contact me but could not. The emails I received say they do not have my contact information and that I should call them.

Now I try to call them and they do not have a customer representative to talk to or any other options that involve Amerihome.
Product: Vehicle loan or lease

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

TOYOTA MOTOR CREDIT account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily closed my credit cards was set up with automatic payments through my bank account. They pulled funds and said they werent there and started a XXXX month cascade of late payments. Was told by representative that when you were in program you could not incure any late payments but when I took this information to supervisor she denied this. This goes back over a year ago with making multiple calls to have them fix this to no avail.
Product: Mortgage

On or about XXXX XX/XX/2022, I made a mortgage payment over the phone. The reason was because I changed my auto payment info and didnt think the the mortgage company would interrupt their auto payment process. I recently received an email from said company saying I have an important document to review. Viewing the document shows an overdue payment fee. Talking to two representatives solved nothing to remedy this snafu with the process. Not intentional on my part. Talking to the representatives I was constantly interrupted and not allowed to explain my position. Their answer was something on the order of a signal was sent out previously. If this signal is finite why didnt I get an email every month stating I have documents to review. This incident happened over 14 months ago. If nothing changes on my statements I dont need to look them up. Well something changed. I feel I may be, along with other people, of being embezzled out of funds. The mortgage company didnt fix their process then and they think I can fix it for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Also, this item isn't mine please remove it : XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX.
Product: Credit card or prepaid card

I was a with SYNCB/TJX CO XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX and XX/XX/XXXX ). I was an exceptional customer paying every month on time. I am writing to SYNCB/TJX CO XXXX agency because I am having difficulties with buying a house and applying for new credit cards. The mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/TJX CO XXXX agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

I summer 2017 I had 2 accounts with XXXX. One in XXXX and one in XXXX. In XXXX, I rented out the house in Arkansas and cancelled internet/cable service. The final bill was XXXX which I paid via a phone call XX/XX/XXXX. In XXXX, I received notice from Diversified Consultants that the account had been turned over to them for collection. Knowing that I had paid the bill, they discovered that it had been credited to the wrong account ( XXXX ). This was on or about XX/XX/XXXX. The customer service representative took additional payment information to make account current and said that collection agency would be notified. I did not hear anything else until I was alerted to negative information on credit report. At that time, I filed protest with Diversified consultants and contacted XXXX and again made payment. They said that they would send a letter stating that the account had been paid but I contend that it was turned over to collection in error since I had paid the balance due on the account on XX/XX/XXXX. Refer to attached bank statement. I have requested that XXXX send a letter stating that account was turned over to collection in error and therefore negative information on credit report should be removed. A letter stating that the account is now paid in full is not sufficient but that is all that they are willing to do.
Product: Money transfer, virtual currency, or money service

My complaint is with Zelle. 
I met XXXX and XXXX  at the end in XXXX. In XX/XX/year>, XXXX, XXXX said that they do credit repair and also help with taxes and they were just a financial company in general. I paid for a credit repair service which I was told take up to 6 months and before the service was even started. I was asked to double the payment of {$600.00} before they could even begin, I said if you arent able to give me the service that I was paying for then refund the money. If the price is double, then you should say that the price is {$1200.00}, dont put the price for cheaper than what it is and then after someone pays, say oh you actually have to pay double, thats not how this is going to go. Thats straight fraud. If you cant help me fix my credit just say that. Not right after you get my social security number and ID. Not only was the money given, but they also asked for my personal information. social, address, birthdate, ID. Before anything even started the representative stated we cant do it unless you pay extra like that that doesnt even make sense. Yes this was all in the same day, same hour, same phone call. I asked for a refund the very day it happened. When I disputed it with my bank XXXX, they said Zelle doesnt give out refunds. I asked if I could send a police report or anything to prove it was a scam, and the XXXX representative said even if its fraud, Zelle does not reverse transactions. I thinks thats beyond messed up because Zelle is automatically integrated into our bank accounts. Thats literally the only way you can send money through the bank unless you send a wire. Zelle needs to be an option, not mandatory for every account. Every single one of my bank accounts use Zelle to send money which includes XXXX XXXX XXXX and XXXX. If Zelle allows fraud and scams, they need to have an OPT-out option and lets the banks figure out a more direct way to send funds from bank to bank.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Social Security Number : XXXX SSN ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This XXXX XXXX  OPENED ON XX/XX/year> IN THE AMOUNT OF XXXX, AND XXXX XXXX ACCOUNT, IN THE AMOUNT OF {$3600.00} fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Someone Fraudulently applied for a credit card under my named back on XX/XX/year>. I called Capital One and was told I had to call one of the Credit Bureaus and dispute it. They told me to file a complaint with FTC now Im told to file the claim with CFPB. I just want that fraudulent inquiry removed from my credit report please. Thanks
Product: Checking or savings account

On XXXX XXXX i deposited a settlement check from XXXX XXXX XXXX for the amount of {$19000.00} into my checking account inside of the bank. my acct was then closed and i was told by XX/XX/22 i would receive a cashier check with the amount in my account. I never received the check and was told the funds were in Hold Harmless department and that i would need to reach out to the maker to have the funds released back to XXXX XXXX XXXX i have been in this loop since XX/XX/22 i still don't have the funds and the claim still has yet to be filed.
Product: Debt collection

Received letter first stating I owe XXXX, then XXXX then XXXX now XXXX I have receipts paying them monthly what is owed. In XXXX  I missed XXXX payments totaling XXXX per month. I have not missed a payment since. This is a XXXX XXXX 
Whenever I email or try to call no call back received. I have my payment documentation and can not understand the amount they say I owe. It does not make mathematical sense. I contacted a lawyer but have not had any action from the lawyer. Please help me. I am XXXX and if you look at my payment record with many other debtors you will see that I do pay what I owe. I strongly believe they are trying to bilk me out of money I do not owe, maybe because of my age. Please help..
Product: Credit reporting or other personal consumer reports

I signed up for Experian boost about a year ago then I changed my mind and cancel Experian boost my entire credit report went blank I have made every attempt to speak to a person and all I keep getting is this number XXXX Which only leads to a chat box. My Mortgage and other credit report shows up in XXXX and XXXX. The bank that I am trying to get a loan from says they only use Experian. I have tried adding Experian boost back to my Experian account and I still can not get any reports on my 18 yrs mortgage report or 7 yrs car payments or any other credit information at this point I do not know what to do, can someone please help me. Experian has made it Impossible to speak to a person so that you can explain your case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. 
XXXX XXXX ( DUPLICATE ENTRY ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX
Product: Debt collection

I requested for Chrysler Capital to send me a contract with my signature for alleged account. An email from XXXX was sent to me on XX/XX/2022. The attachment ( .tif ) was not readable. I responded to email asking for a PDF instead, I have not received a response.
Product: Credit reporting

I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent out another letter regarding inaccurate accounts on my credit report. I have not received a response in regards to my request, which was way beyond 60 days, I started my initial dispute on XX/XX/XXXX which is almost 120 days inaccurate and unverified accounts that remain on and hurting my credit report. I still was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence.

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the Equifax data breach and may have got into the wrong hands.