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

This issue has been going on since last Wednesday ( XX/XX/21 ) Ive been calling about my funds coming to this account with Citi bank ( XXXX ) and they have been denying having my funds. I kept calling everyday and still havent been able to have my funds allocated to me here a week later and I need to pay my rent and my lawyer his retainer. This is ridiculous that Im a customer getting treated poorly. I just want my funds back. I have exhausted every level of trying to get my funds. But have yet to get them. My funds are still available n my mobile app. But this bank has shut down anyway if me moving my funds. Thry wont even help me get my funds. Ive talked to security. Ive talked to fraud. Ive talked to the early warning consumer agency they keep sending me to to discuss my funds that this institution has. Its prejudice and I feel discriminated totally
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXX ( XXXX ) accounts # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX- ( XXXX ) accounts # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX- account # XXXXXXXX XXXX  XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXXXXXX XXXX- account # XXXXXXXX XXXX XXXX XXXXaccount # XXXX NXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I used my Chase XXXX credit card on my XXXX account. I have autopay on and pay the full balance monthly and often don't see the full charges. However, I was reviewing my bill and noticed that for XXXX XXXX charges ( this is to be charged toward your credit limit ), they instead processed as cash advances, taking {$XXXX} transaction fees each time and charging a daily interest rate on all ( i.e paying my friend {$XXXX} for a coffee was processed as a cash advance and was charged a {$XXXX} transaction fee + interest ). I asked chase to clarify and they said this was XXXX 's doing and not their action. However, I have also used my XXXX card with XXXX and never been processed as a cash advance or with any transaction fees or interest ( though XXXX is a far better, consumer-friendly company ). Chase apologized and offered to refund XXXX of the transaction fees that would be reflected in my next statement cycle, though I see I have been charged {$XXXX} in these fees in XXXX  alone and am certain they've charged even more previously.
Product: Consumer Loan

Received Stop Release due to garnishment and company Union Adjustment XXXX. XXXX XXXX XXXX, Ca XXXX XXXX. Has submitted a new garnishement same case # XXXX. XXXX County, Superior Court ... XXXX Ca. The stop release was given back in XX/XX/XXXX and XX/XX/XXXX here they are again taking my money. Company I purchased a car from over 15 years ago refused to fix a broken computer chip. Had not been 3 months. So I did vouluntary reposession and I ended up out of money put down and car i used as part of down payment. And had no transportation. Now all these years later these people who I do not owe a dime are garnishing my check for the XXXX time ... Please make this stop.
Product: Credit reporting or other personal consumer reports

My account with ( 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 those account 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 ) 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: Debt collection

I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY XXXX XXXX XXXX XXXXUSD XXXXI DO NOT OWE ANY MONEY TO XXXX. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
Product: Checking or savings account

Wells Fargo implemented a policy that I would get paid 2 days early without the option to opt out. I like getting paid every 2 weeks on Fridays like I have been paid for 20 yrs. This week the put my paycheck from my employer in my checking account 2 days early without asking for approval. When I called to get this new early pay policy revoked from my account, they told me they couldnt and this was happening to all their customers. I should have a choice and not be dictated as to when I get my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a complaint about the below accounts being charge offs and/or closed paid in full. Charge offs are considered ordinary income how can it be reported on my credit report as debt? I never received a 1099c from the creditor for this alleged debt. This is violation of 15 USC 1681eb. Please remove this inaccurate information from my credit report. 

I have not received an update or status of your investigation. I have asked you repeatedly to verify this debt by sending sign contracts/agreements and I have not received any correspondence. 

XXXXXXXX XXXX acct # XXXX XXXX acct # XXXX XXXXXXXX XXXX acct  # XXXX XXXX acct # XXXX  acct # XXXX XXXX acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # Dept OF ED XXXX XXXX XXXX }.
Product: Debt collection

I had a medical bill from a visit to a hospital show up on my credit report 6 months approx after my visit. I was never once contacted by the hospital via phone, email, and regular mail to pay the bill. Also, my insurance company did not send me anything stating that I owed for a bill. The day it showed up on my credit report XX/XX/2019, I contacted the original credited and paid it in full on the same day in the amount of XXXX. They stated that they would report it as paid in full, however would not remove the collection information that was reported on my credit report from XXXX  XXXX XXXX. Had I known that I owed anything, I would have paid it immediately. I initial disputed this as fraud due to the fact that I was not notified via my insurance company or any other company that I owed anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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: Debt collection

I have never been contacted about this bill from creditor, Rickman And Rickman, so I need see the this bill or at least get some correspondence from them on this before it is added as a unpaid collection on my credit report, any help would be greatly appreciated, if I actually owe this debt, I will pay as soon as I get a address to pay it, as I have stated I have no knowledge of this bill at all, as Rickman And Rickman have never contacted me at all, can they at least make a attempt to contact me before putting it into collections??? If I owe it I will pay it ASAP, but what I do not understand is there has not even been 1 attempt to contact me before putting on my credit report, please send me all the information, account number, and who and where to send the payment if owed by me. 

Thank You XXXX XXXX
Product: Credit card or prepaid card

I paid off my XXXX 's account in full, but somehow they say I left a {$1.00} balance on the account which is absolutely not true. I would not leave a XXXX XXXX balance on the account. I simply paid it off and did not think twice about it again until I noticed they were reporting me 90 days late as ofXX/XX/2018, and then 120 days late in XX/XX/2018. I have tried to dispute this as an error due to the fact that I paid this account off in full and there should have been no balance left over, and therefore no late payments possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX openly advertises pre-qualify with no impact to your credit score on its website and further reading of disclaimers state that no hard inquiry shall be made unless you proceed with purchasing a car. On or about the week of XXXX XXXX I visited XXXX website to look at vehicles and get an estimate of payment information. I emphasize estimate as none of the details provided to me were final and no attempts to purchase were ever conducted by me. This was all information provided under the pre-qualification guidelines, which was fine as I had no intention to purchase and certainly did not want the hard inquiries on my credit file. 

All was fine until I received mail notification that 3 separate hard inquiries had been placed on my credit file during that same time span. The inquiries are listed under United Auto Credit Co, which at the time, I had absolutely no knowledge of and certainly did not give them permission to run my credit. Attempts to contact the company have proved fruitless as they never return calls and bounce you between representatives who can not help. After further researching United Auto Credit, it appears that the company has recently been purchased by XXXX. Now, those inquiries make sense, however there are still unauthorized.
Product: Debt collection

The filing against me was placed on my XXXX  account. The collector is Assetcare LLC, the original creditor was XXXX XXXX. The Date shows XX/XX/XXXX. This is impossible. I did not live or have even visited Florida since early XXXX. I tried to dispute the charge though XXXX and they are doing nothing about it. This is either a very old debt that should not be on my report, or it is fraudulent activity ( Identity Theft ). Please review since the charge in place is impossible. I do have people that can attest that I have not been in Florida for years.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle handling of disputes particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was on unfeasible does CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety
Product: Credit card or prepaid card

Last XX/XX/2017, I applied for American Express XXXX credit card while there is a promotion of XXXX points can be earned ; XXXX initially after {$2000.00} spend and XXXX additional extra {$1000.00}. After my {$3000.00} spend, I was waiting for the additional XXXX which never deposited to my account. I contracted the American Express Service Department numerous time back XX/XX/XXXX and again in XX/XX/XXXX since they need a time to investigate the matter. Last time I talked to  service department. They just told me they just can't honor the promotion since it was never linked to my account.
Product: Payday loan, title loan, or personal loan

I have contacted them so many times in order to help me with lower interest rate and payment plan. They keep refusing. I do not know what to do? XXXX XXXX? I can not pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of the late payment is XX/XX/2018 where I am marked for a XXXX day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan XXXX XXXX XXXX where I have not missed a late payment and refuse to give me a reason or response as to why this XXXX  day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this XXXX day late payment from both Equifax and XXXX removed that I did not do!
Product: Debt collection

My identity was stolen as part of XXXX XXXX hack. A XXXX XXXX Two accounts were fraudulently opened using my name. According XXXX records two accounts were opened. One in Georgia using another persons name not my name. The other in XXXX Louisiana using my name. No payment were ever made on the fraudulent accounts. The accounts were subsequently sold to various collection agency. The amount for collections was {$800.00}. None of my current or previous addresses listed on my credit reports are in Louisiana or match the address in Georgia. I have never lived in Louisiana. I do not know the the exact time the accounts or the properties where XXXX delivered service fraudulently. I do not know the account numbers. 
When the XXXX hack took place I locked all of my credit reports. So new accounts could be open in my name. My credit reports remain locked. 
Currently, Credit Management Lp. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is attempting to collect the fraulent debt and is listed as a collection on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX. 
Both XXXX and Credit Management the collections agency have been contacted. The company 's dispute forms for identity have been submitted to both organizations with the requested documentation. No actions have been taken by either organization. As a victim of identity theft. I am being victimized subsequently by these companies. The debt is not mine.
Product: Mortgage

I have submitted a detailed letter to New Day Financial which I am mailing a copy to you, explaining my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXX.They have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my XXXX   Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same. 


I am still having issues in receiving my credit report due to the ( Multiple Matches Found check demographics Information. 

Their is a lot of errors on my credit report that needs to be remove ( XXXX is not my last name, my social security number does not have XXXX four the last four digits, wrong phone number and still have not seen the correct update. I do not have a spouse and my address need to update right on my credit report. 

I appreciate your services and hard work that you do for the consumer. Have a great day : (?
Product: Credit reporting or other personal consumer reports

Equifax Workforce Solutions. ATTN : Dispute XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX is listed as an employer. I have never worked for this company, I am therefore writing to request full validation of this employer as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation including copies of any documentation associated with this company which bear my signature. In the absence of such documentation, I request that this employer be permanently removed from my report ASAP.
Product: Student loan

ECMC Which I have never taken a loan from are historically and repeatedly destroying my credit report after being paid in full years ago. My Original student loans were from XXXX XXXX and then sold or transferred to XXXX different collection company 's ECMC being XXXX of the company 's involved. I paid all student loans off and after being paid ECMC appeared on my credit report. I have tried to contact them and ask for an original contract to show that I had a loan through the company. I never received any response. I disputed this with the XXXX credit reporting agencies and it was deleted from my XXXX file for lack of proof 2 years ago and last month ECMC decided to change all the open dates and amounts to look like a new account and re reported to the collection agencies. It is very difficult for me to get any information from this company about the accounts in question and I would like them deleted from my credit reports immediately.
Product: Credit card

XX/XX/2016, I made a payment of my Comenity XXXX credit card to pay off a balance. A payment was not due on the account ; however, I wanted to pay the card off. After a day had passed and the payment had not posted to my account, I contacted XXXX and discovered that the payment was to be deducted ffrom an account that is no longer active. I called and attempted to have the payment cancelled when I noticed the discrepancy to no avail. As there was no payment due on the account at the time and as I attempted to rectify the situation as soon as I was made aware, I requested that I not be assessed a fee. That account was removed frommy payment list. My XXXX account was at a " XXXX '' balance due to the erroneous payment so I was not able to put in a payment to correct the oversight. The account is always paid on time, has never had a returned payment and Comenity has the ability to waive the fee, but refuses. Even if I can not receive a credit, I think it important that this be recorded against them.
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. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this item several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. I also talked to the bank and they agreed to remove the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done.