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

The monthly {$350.00} alimony I receive from ex ( XXXX XXXX XXXX / XXXX XXXX NV for past 20 years ) normally is deposited beginning of month. I finally wrote to ask him where it was and he responded money sent XXXX. XXXX XXXX checking XXXX USAA XXXX XXXX Tx. Check number XXXX confirmation number XXXX. A similar incident happened in 2016 where money was being deposited in ex husbands USAA account and CFPB had to intervene on my behalf to move money to my account. Ex in 2016 threatened to sue me for harassment as I tried to resolve. Ex is still hostile and will not assist. USAA is non responsive to my messages. Already spent 47 minutes on phone with no resolution and lack of follow through. 

Former CFPB USAA complaint # : XXXX ( 2016 ) Former CFPB XXXX  XXXX XXXX  # : XXXX ( 2016 )
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd Really like for XXXX to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/ i discovered that someone submitted a XXXX postal change of address for a XXXX XXXX XXXX XXXX business card I applied for. I called XXXX and they immediately cancelled the card and sent a new one. Few months later I reviewed my credit report and discovered an address not associated with me XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX. After doing a XXXX search I found the Address belongs to lawyers at XXXX XXXX XXXX. I have never been affiliated with this address or group and would like this to be investigated. Also, I received a random call from Wells Fargo stating they wanted to verify that I opened an account. I said no I have never opened an account with Wells Fargo. The person said that someone has opened several business accounts across the 50 states using my business XXXX and personal information. I have no idea how this information was leaked. However, I want to report it and have this issue investigated and resolved.
Product: Vehicle loan or lease

On XX/XX/year> I refinanced my car loan from Santander Consumer USA ( auto loan company ) to a local Alaska bank called XXXX XXXX XXXX XXXX that offered a lower interest rate. I met with the XXXX XXXX XXXX loan officer on XX/XX/year> ( a Saturday ) and completed and closed out the car refinancing loan. The following week ( between Monday and Friday, today ) a pay-off check was sent from XXXX XXXX XXXX to Santander with XXXX # XXXX. On XX/XX/year> Santander emailed me to call them regarding my car loan payment. I called them and spoke with an agent # XXXX and then with a manager # XXXX who threatened to send my name to a credit collections bureau due to non-payment of the Santander monthly car loan. I explained that I closed on my new refinance loan with another bank but they said I needed to pay for " overages '' charges. I asked if I would be refunded those payments, as my monthly payments were a hefty {$550.00} and they were demanding payment for XXXX and XXXX, once Santandar receives the pay-off check and they said no, it would be " overages '' charges applied. During my meeting with XXXX XXXX XXXX overages charges were already applied and included in the pay-off amount which was agreed upon by all parties includibg myself, XXXX XXXX XXXX and Santander. Any other Overages charges were not agreed upon following the pay-off discussion. I was told by the Santander manager that XXXX XXXX XXXX had 15 days to pay off the loan and Santander records show it was not yet paid off. Then they said it was my responsibility to pay any Overages charges that were accruing during that 15-day period. Once I became suspicious and questioned their intentions, the manager changed the narrative and said Yes I would be refunded. My entire conversations with the agent and manager were recorded. When I relayed to them I would file a complaint they both refused to repeat their names, which were provided to me at the beginning of our conversation ; however, they did give their employee numbers. I did not pay any Overage funds to them but ended the call abruptly when I realized their actions were suspiciously fraudulent. 
I shared with Santander agent and manager that I recently had a major XXXX XXXX XXXX and that I am elderly and I believe they targeted me for fraud because of these reasons. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Bank Of America to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. Bank Of America Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. Bank Of America did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking Bank Of America to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Product: Checking or savings account

Description of Events : On XX/XX/year>, at XXXX AM, my Chime account was abruptly closed without prior notice or detailed explanation. Upon discovering the account closure, I promptly contacted Chime customer support to understand the reasons behind this action and to request the return of the remaining funds in my account. 

Despite multiple attempts to seek clarification and resolve the issue, Chimes responses have been unsatisfactory and vague. The customer service representatives referred me to the XXXX XXXX XXXX  but failed to provide a specific explanation or any detailed findings related to the closure of my account. Additionally, I was informed that I am not eligible to receive the remaining funds in my account, which contradicts the terms outlined in the XXXX XXXX XXXX 

Actions Taken by Me : 1. Initial Contact : I contacted Chime customer support immediately after my account was closed on XX/XX/year>, requesting an explanation and the return of my funds. 
2. Follow-Up Inquiries : Over the following days, I made several follow-up inquiries to Chime support, seeking a clear and detailed explanation for the account closure and information on how to recover my remaining funds. 
XXXX. Request for Detailed Explanation : I specifically requested a detailed explanation of the reasons for the account closure, as required by consumer protection laws, but did not receive any substantial information. 

Chimes Actions : 1. Account Closure : Chime closed my account on XX/XX/year>, at XXXX XXXX  without prior notice or detailed justification. 
2. Refusal to Provide Specific Reasons : Chimes representatives consistently referred me to the Deposit Account Agreement without offering any specific reasons for the closure. 
3. Denial of Refund : Chime informed me that I am not eligible to receive the remaining funds in my account, which is in direct contradiction to the terms of the XXXX XXXX XXXX  that state unused balances should be returned via check. 

The lack of transparency and refusal to provide a legitimate reason for the account closure, coupled with the denial of my remaining funds, has caused significant distress and inconvenience. I am seeking the intervention of consumer protection authorities to obtain a clear explanation and the return of my funds.
Product: Mortgage

XXXX was the originating mortgage holder and they did not pay my taxes after all monies were escrowed. they sold my loan to selene finance and they paid it after XXXX said they would but did not, but they paid it from my escrow acct not from funds received from XXXX and now have a shortage in escrow. selene finance then hit my escrow acct XXXX for homeowners insurance, was late with it and only paid it once in 2013 as the insurance company never received the second payment. now escrow is short yet again and my payement went up {$200.00} + a month. i have been trying to get this fixed to no avail, XXXX has tried from what they said in the emails i have from them but selene will not respond. planet home is the new servicer and has been trying but they keep getting wrong information about the problems. both XXXX have acknowledged the issue and see where the problem are but can not get my {$2000.00} + back without selene finance 's cooperation. this has been going on for over 2 years and do not know where to turn. all has been documented as well as numerous emails. 
please helpthank you
Product: Credit card

Kindly review the attached documents. I urge the bureau to start an investigation into these accounts, as I am always on time, yet they are incorrectly reporting me as late.
Product: Debt collection

There is no instrument of indebtedness in its original form for the debts listed below. I never received a contract of any sort signed by myself to any of the credit reporting agencies. I honestly don't believe that any of this information belongs to me without the verification in a contract. 

According to the law, this is illegal According to the FCRA as well as the Comprehensive Credit Act of 2020. I'll be seeking litigation remedy if not resolved at once. I am entitled to at least {$1000.00} in damages for every unverifiable item within my credit files. None of this information can be confirmed. 

XXXXXXXX XXXX XXXX  XXXX Opened XXXX {$86.00} XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX {$130.00} XXXX XXXX XXXX Opened XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatm
ent of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Student loan

I have recently discovered that AES has been billing me for the student loan that I have not borrowed. I have not taken a college course in California and have not taken out a student loan, private or Federal, from a college in California, especially from XXXX XXXX University even though I was admitted to XXXX XXXX University in XXXX XXXX, CA in 2005. I withdrew within a few weeks before the semester started and I did not take out a student loan. For many years, I have requested AES to provide the details about this student loan that AES has been extorting money, interests and fees from me. AES has long been non-responsive regarding the matter. Recently, I discovered its flaw and contacted AES to correct the errors. AES responded by stating that it mailed out the Affidavit Form to file for the fraudulent ID theft as the formal procedure to deal with such an issue. I waited for a few weeks but the Form was not in the mail. I contacted AES again and it stated the same that the Form was mailed out while AES has been waiting for its return, without which AES would continue to bill me. 
AES has fraudulent been forcing me to pay for the loan that AES claims I owe and now it demands that I am responsible to prove that I do not owe the loan while AES continues to illegally extort money from me. How injustice! I have submitted the document per AES request pending its review. Meanwhile, I do not wish to continue paying for the student loan that I do not owe and can not risk to have AES ruin my credit histories. I would like your assistance to resolve this issue quickly without any further harm to my credit scores and financial obligation for some loan I do not we. I would like to get my full refund of about {$39000.00} in debt, interest and fee payments AES has been extracted from me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX ) I have contacted creditor XXXX XXXX to update new address please remove. 

There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXX XXXX, AZ XXXX }. 


I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX Once you have deleted the inaccurate names, addresses and numbers from my credit report, please send me a copy of my updated report. 

XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 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. 

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

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

XXXX XXXX XXXX car note should not be reported on my credit report as a closed account after seven years according to Federal Truth In Credit Reporting Disclosure Act and FTC Law. And, XXXX XXXX collection account is incorrect and is been paid as agreed cable bill not in collections.
Product: Mortgage

Hello : I have a mortgage with US Bank. They have a relationship with a company called XXXX XXXX which has been processing my bi-weekly payment for almost 10 years now. I have several times requested a detailed amortization schedule which reconciles my payments every two weeks and they refuse to give them to me. I went to US Bank and they only gave me a monthly amortization schedule. When I told them I need to bi-weekly version, they tell me they can't and that I have to go to equity accelerators to get that information. I've now spent hours with equity accelerators and they claim they are unable to give the information to me ... ..they point my back to US Bank . 


I believe there is a scam going on here and would appreciate your help.
Product: Credit card or prepaid card

I filed a dispute with Way to go card in early XX/XX/2023. The representative deactivated my card as expected and told me that the fraud department would follow up. I received a package in my mail pertaining to my claim dispute in which I completed and faxed and emailed back to the listed fraud department contact. XX/XX/XXXX I called to check the status of my claim. I spoke to three different supervisor that told me that my claim was denied. They all told me it was denied fir inaccurate information. I asked for a copy of the denial and they told me I had to wait for a copy of the letter and that I would receive the letter in the next 3-7 business days. I explained that I would like a copy emailed to my email on file as I would like to have a clear understanding of why the claim was denied. An email was sent to XXXX. XXXX with a denied claim belonging to another person living in Virginia along with detailed information that is confidential and sensitive. The claim belonged to an individual living in Virginia. I attempted to call NJ child support directly and explained the frustration. I also called the number to the fraud dept of this card XXXX and was placed on hold for over two hours in which the call then got disconnected. I am out {$370.00} in unauthorized Lyft charges. This money is child support money belonging to my children. XXXXm frustrated with the banking system. I have yet to receive provisional credit. I am unable to speak to someone and I was sent another persons information. Not to mention that I received my new Way to go card in the mail today XX/XX/2023. It took this bank over a month to mail me a new card. This is absolutely illegal and unacceptable.