23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a XXXX and XXXX Late pay the is showing on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681sXXXX ; 12 CFR part 1022, subpart EXXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report that was not reported accurately. I had XXXX late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/24 I called experian to kindly ask them to dispute some incorrect address on my credit report as they told me they couldnt remove them due to they are part of my history.
Product: Credit reporting or other personal consumer reports

I expect expedited removal of the Fraud Alert and dispute comments on my Credit Report.
Product: Debt collection

CRA VIOLATION PAYMENT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I never filed a bankruptcy with the state of Illinois and Im being told that I filed and dismissed a chapter 7 when I never filed this report it was due to id theft and Im demanding they remove it from my profile the acccount XXXX # XXXX
Product: Money transfer, virtual currency, or money service

At XXXX XXXX, 2021, XXXX GMT+2, the company known as " XXXX '' ( XXXX ), previously " TransferWise '' closed my account, which contained thousands of dollars, without previous warning or explanations, and they are now holding my money ( That I need to live ) for at least 60 days! 

I did NOT break any rules or did anything illegal with the money. It is all honest money that I earn as an XXXX XXXX XXXX XXXX. 
On the same day, I appealed to them for explanations via Email, without success. They told me they can not give me any details. 

On the next day, I appealed for the balance, and gave them full details for them to refund me my money to my XXXX XXXX  account. They told me this will take at least 60 days.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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

I'm sending this letter to get inaccurate information removed that's reporting to Equifax and XXXX. I've tried to have XXXX XXXX, Equifax and XXXX to remove and delete numerous 90 day late after the account was closed on XX/XX/XXXX. Numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the negative payment history of 2 accounts being reported by County of XXXX XXXX. I have supplied proof of on time payment history over the past several years. The information provided is directly from the County of XXXX XXXX and shows payments being made on time, bi-weekly, without ever missing a payment. My dispute was not handled correctly as the lates were " Verified '' despite the obvious proof of on time payments. This erroneous, inaccurate, account needs to be removed from my credit file. Continued reporting of this account demonstrates wilful non-compliance, defamation of character, and violations of several laws under the FCRA. 

I have included the original disputes and also proof of payment history
Product: Debt collection

on XXXX I was contacted by a company by the name of XXXX XXXX XXXX XXXX ). XXXX XXXX had my debt information on An Ace Check Cash payday loan. She verified my personal information and all the information was correct. I setteled for XXXX. I was told that I would get an email confirming payment. I did not get one so I called them again. I also looked at my statement and found that a company by the name of XXXX XXXX deducted the XXXX. I called by prepaid card customer service and was told that it was XXXX XXXX in Ga. I have not been able to contact anyone at XXXX. I then call Ace Home office and they gave me the collection agency name and phone number. It was not XXXX. They still has my file and was told that XXXX ( XXXX ) ws a scam. I paid them XXXX and I ca n't recover it per ACE. Here is XXXX information AKA XXXX XXXX AKA XXXX AKA XXXX XXXX AKA XXXX XXXX, XXXX. 
Posted in : XXXX XXXX
Product: Debt collection

This company continues to call my cell, my spouse 's cell, children 's phones, and parent 's. I have never had this debt and they call from different phone numbers. They claim to have my bank info, ss #, and e-mail address.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention an inaccuracy on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed that an account associated with XXXX XXXX  XXXX has been listed under my name as a liability. I would like to clarify that I am not financially responsible for this account. I was added to this account as an authorized user only, and as such, I have no legal obligation to repay any debt or manage this account. As an authorized user, my involvement with the account was limited to the use of the account under the primary account holder 's supervision. I did not enter into any credit agreement with the creditor, nor did I sign any contract obligating me to repay any charges associated with this account. Therefore, it is inaccurate and misleading to reflect this account as part of my personal liabilities on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate information in credit reports. The inclusion of this account as my liability is a clear violation of this requirement and adversely affects my credit standing. 

XXXX XXXX  XXXX
Product: Credit card or prepaid card

I opened a credit card with apple. Shortly after making a donation to winred via Apple Pay which uses my Apple Card they blocked the card. The company refuses to help me unblock the card they are also refusing to give any guidance as to why or fix it. They are trying to ruin my credit for donating to an opposing political party as a war vet I find this absolutely disgusting. I have contacted XXXX XXXX by email to help motivate his team to do the right thing and yet the customer service is continuously classless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX PM Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX  XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( XXXX ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the XXXX according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new XXXX. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX PM ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the XXXX be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and Transunion but I have not gotten any results. I even tried to call XXXX  again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Product: Checking or savings account

I continue to have issues with businesses in purchasing or in this case : 1. I opened a checking account online with XXXX XXXX Bank. I wanted to transfer a large deposit from my SunTrust Bank which I have had for over two years, except I did not have a routing number or checking account for XXXX XXXX so I caught a ride to a close XXXX XXXX to present a personal check by an XXXX driver. 
2. The younger male allegedly ordered some checks and deposited my personal check to the account that I apparently had on the debit card that I was sent. 
3. My SunTrust Bank denied to accept my two signatures on XX/XX/2020 except the new manager told me that she is new at my branch and that she said that my two signatures on the back and front did not appear to be similar even though my daughter has cashed checks presented and signed by me several times to include just recently. The manager had emailed me twice after a large deposit was made directly as usual from the federal government from XXXX and the VA except as I have stated this time the bank received a large amount, electronically as usual. XXXX XXXX asked me to come to the SunTrust branch but I explained to her that I am now in a wheelchair and that my hands suffer with XXXX XXXX so that I do not like to grasp anything. Most importantly I asked her to accept my license number seen at the other bank, I could give my SSN and she has my email address and physical address on record, but : 4. The second check larger amount was deducted from my SunTrust account leaving me with little so that I will not be able to pay my rent. 
5. The XXXX XXXX Bank has closed my two ( checking and savings ) accounts so that now I think that they asked me to open a second account so they can charge a {$12.00} fee and now they closed all of my accounts on XX/XX/2020. I was supposed to receive just {$4800.00} tomorrow and the rest, the largest amount on XX/XX/2020. I was asking why and I felt that the two or more employees took the large amount on purpose to ripe me off of the XXXX  figure amount or try to force me to go to the bank again, possible for nothing ; abuse and discrimination. 
6. I can not tell where my money is except that I know where it should be at XXXX XXXX.
Product: Checking or savings account

I ordered a new debit card because my previous debit card had the sticker coming off making it hard to use in machines. I couldn't add the new debit card to my XXXX XXXX wallet and I called my bank. They gave me the run around then later my debit card was shut off and I had to call and find out why. No one could give me a reason and I later learned that Chase closed my account and would not give me a reason why. I did not send any new checks or made any changes to my account. I only asked for a new debit card because the sticker had been damaged. I was disappointed that they could not give me a reason why it was closed or a solution to fix this issue. No representatives were helpful.
Product: Debt collection

collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at XXXX Credit Bureaus. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. I am asking for your immediate assistance to correct the late open accounts : XXXXXXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX XXXX Balance : {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$330.00} reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Mortgage

I have a mortgage of about XXXX in XXXX my house had some damage. The insurance company sent a check for XXXX made payable to both myself and the mortgage company. I called the mortgage company and told them i wished to pay off my loan. They told me to endorse the check send in a copy of the insurance payout and a letter saying that I wanted to pay off the loan. I have called every couple of weeks since then. They have not paid off the loan or refunded the overpayment. They also keep hitting me with late changes. Every time they give me a different reason. They did deposit the check sent back in XXXX
Product: Checking or savings account

I was charged multiple overdraft fees while being enrolled in overdraft protection waiting for a direct deposit that posted to my account within a few hours. I feel like this institution is practicing very predatory behavior.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX  XXXX Balance Owed : {$900.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXX RESIDENT VERIFY Inquiry Date XX/XX/year>
Product: Credit card

On XX/XX/XXXX, Fidelity Rewards credit cards was cancelled because there were XXXX fraudulent transactions. I was told that we would get a new card within XXXX days. Today is XX/XX/XXXX, and we have not received the replacement card. Moreover, when we called the customer service yesterday ( i.e., XX/XX/XXXX ) and informed the telephone operator that XXXX bill from our internet provider ( XXXX infinity ) was not paid, I was put on hold for XXXX minutes and then the line was closed on me. Today, Saturday, XX/XX/XXXX, we have not received the card in the mail and another bill from our satellite TV provider ( Dish, AT @ T ) was also denied. At our age of XXXX and XXXX XXXX XXXX all these financial problems affect us psychologically extremely negatively.
Product: Checking or savings account

We had been Chase Private Clients for 9 years, using our savings account as a place to simply set money aside. We had a checking, savings and money market account. Transactions in our savings account were rare, and mostly for transfers between our checking and savings. We didnt look at it often, but noticed the balance was lower than expected at the end of XX/XX/XXXX. It was then discovered someone had hacked our savings account and had been making withdrawals starting on XX/XX/XXXX via XXXX echecks and XXXX instant transfers, etc. 

On XX/XX/XXXX I called the bank and worked with a representative to report the fraud and reverse the charges which totaled {$15000.00}. They were only willing to reverse {$4500.00} initially. We filed a police report in our town on XX/XX/XXXX. We reported the fraud with XXXX. We spoke with our private client advisor as well as many others up the chain. We closed the hacked account on XX/XX/XXXXXXXX  and moved our savings to a new account that same day. 

On XX/XX/XXXX Chase decided to decline the initial reversals and subsequently withdrew {$1000.00}, followed up by another withdrawal on XX/XX/XXXX of {$1300.00}. This was shocking as the original fraud charge reversals were only XXXX of what was stolen from us. Now we were looking at reimbursement of fraudulent charges of only {$2000.00} of the {$15000.00}. 

For months we went so far up the chain of command requesting and begging for these fraudulent charges to be reversed. The hackers had stolen our money set aside for college tuition and Chase washed their hands clean of it. We were told the bottom line was Chase did not care whether we remained their client and would rather lose our hundreds of thousands of dollars in Checking, Savings, and Investment accounts than reverse another cent of the remaining {$13000.00} stolen from us. They were not going to help us and they were not going to reverse any more charges. 

They refused to acknowledge a cybersecurity failure on their part that allowed this to happen in the first place. Not once did they send an alert about suspicious charges being withdrawn from a largely unused savings account. Not once did they notice these incredibly suspicious charges. They could not answer the question as to how someone hacked into our account and how they could link a savings account number to XXXX without any permission, signature or verification with us, the account holders. Instead, every conversation from the start, Chase had a pattern of victim blaming and telling us it was our problem.