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

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 ( 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. 


( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was reporting a bill that was not mine. XXXX took out insurance on my car without my consent. My car already had insurance. I contacted my insurance company XXXX. XXXX contacted XXXX XXXX XXXX XXXX Department and had them correct their mistake on XX/XX/23. I got the official letter in the mail from XXXX stating that bill was removed from my account. I want to make sure that my credit is fix because it went from a XXXX to a XXXX because of XXXX  error. I want my credit return to its XXXX. 

Thank you
Product: Debt collection

GLA COllection Company XXXX XXXX XXXX, XXXX, KY XXXX is reporting XXXX collection accounts on my credit report, I have been trying for a year to have they validate that I indeed owe the debt, they have refused, yet continue to update that accounts and try to collect on them, I need proof that I indeed owe these alleged debts. 
Account number XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt in question is over 14 yrs. Old and belonged to my wife. She is deceased. Pennacle c/o has been placing this information between my and her credit for over 12 yrs. The amount is for {$640.00} was supposedly owed to XXXX XXXX. They falsely represented their product which is what caused the debt to be incurred.
Product: Credit reporting or other personal consumer reports

On my XXXX report, there is a duplicate charge off with all the same dates and amounts but with a different account number. I disputed this on MY XXXX as well as my husband 's XXXX. The duplicate account was removed from my husband 's credit report but BOTH the correct account AND the duplicate account were confirmed on MY XXXX Report. I do not understand because we've only had ONE account with this company with ONE vehicle. I have redisputed the item but XXXX told me to file a complaint and add the complaint info to my dispute so that is what I'm doing. Here is the info regarding these accounts : Tidewater Motor Credit XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX Correct account is account ending in XXXX. 

Duplicate Account : Acct # XXXX Opening date : XX/XX/XXXX Last pmt date : XX/XX/XXXX Charge off amt : {$10000.00} Again, the duplicate account ( # XXXX ) has THE SAME EXACT DATES AND AMOUNTS as the correct account ( ending in XXXX. I think the whole account number for the correct account is XXXX but I am not 100 % positive since the credit reports do not give the entire account number ). 
I do not want to contact Tidewater because I do not want to begin with harassing phone calls and I do not want to accidentally " start the collections clock '' again. Thank you.
Product: Debt or credit management

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report list all those negative accounts from your Equifax credit reports.
Product: Bank account or service

opened a Citigold checking account on XX/XX/2016. I opened the account because of the sign up bonus offer I received in the mail. The offer was I would receive XXXX XXXX miles after making 2 bill pays and spend {$1000.00} using my debit card. I called to sign up for the offer and also received confirmation that I have met both requirements. As I have n't seen the miles posted to my account, I sent an email to secured message center and was told I was n't qualified for this offer! How is that possible? I had been told verbally and in writing that the offer is attached to my account. I incurred monthly service fee of {$30.00} and now I 'm told that I do n't get the sign up bonus? How can Citi not honor the promotion that I was told that I qualified for? I have documentation through a secure message where I was told that I had met all qualifications for the offer and would receive the points.
Product: Credit card

First of all I want to start out it has to do with Wells Fargo bank. It was a debit card and they charge me XXXX fees of {$35.00} for the same day. Here is my issue. I never received an invoice nor did I receive a copy of the charges they keep saying it was youre supposed to check it online. No, Ive asked for hardcopies to be sent to me. I never got a notification on my email about any of these charges and then when IFirst of all I want to start out it has to do with Wells Fargo bank. It was a debit card and they charge me XXXX fees of {$35.00} for the same day. Here is my issue. I never received an invoice nor did I receive a copy of the charges they keep saying it was youre supposed to check in online. No Ive asked for hardcopies to be sent to me. I never got notification on my email about any of these charges and then when I go in to talk with them, they just wan na keep sticking me with a XXXX hours each time thats XXXX times thats {$100.00}. 

I talked with the bank, went and talk with, XXXX XXXX Carry XXXX, and Ive talked with XXXX the morning at the main office XXXX and she said we cant do anything because we can only do XXXX courtesy return well. The problem is the banks problem I had asked for hardcopies to be sent to me if I would have received, and we could avoid this whole matter. This is nothing but fraudulent. This is within intent to defraud me. Send it to the under Illegal fraudulent wiring. And its basically XXXX violation.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.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 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: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I paid off my loan with XXXX XXXX and received official documentation ( attached ) as proof of the payoff. Despite this, XXXX XXXX continues to report the account negatively on all three major credit bureaus ( XXXX, XXXX, and TransUnion ). I have made multiple attempts to address this issue, including disputes filed with the credit bureaus and direct contact with Sensible Auto. However, the negative reporting persists and has significantly impacted my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, XXXX XXXX has a legal obligation to ensure the accuracy of the information it reports to the credit bureaus. Specifically : 15 U.S.C. 1681s-2 ( a ) : Furnishers of information, such as XXXX XXXX, must not report inaccurate information and are required to correct and update any inaccuracies once they become aware of them.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable investigation of disputed information and update the credit report accordingly when evidence supports a consumers claim. 

The continued negative reporting of an account that has been paid in full constitutes a clear violation of the FCRA. I have provided proof of payoff, including receipts and supporting evidence, with each dispute filed. Despite this, the disputes have been rejected without the necessary corrections being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reached out to Caine & WEINER. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act and according ************* you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. Caine & WEINER you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. ** **** Code ******* - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form ******* you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX XXXXXXXX, 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently received a notice from my bank stating that a collection had been placed on my account. I tried to check my credit report on XXXX and XXXX but the system was unable to provide me with a report. I attempted to dispute the collection with Credit Management, on the XXXX website but their system also would not allow me to do so. I called XXXX customer service to request my credit report, and to review the report with an agent but they informed me the collection was not placed on my account. I assured the agent that I did not have a contract with the Credit Management collections company and that I did not owe them any debt. I also mentioned that the original creditor was paid before this collection was placed on my credit report. I was transferred to another department, and the representative confirmed that the Credit Management Company is indeed listed on my credit report as a collection agent. I requested to have the report disputed and was told they would try to do so. I expressed my concerns about my credit report, as the collection has reduced my credit score by XXXX points and is affecting my car loan application status and a job application with an XXXX XXXX. I also contacted XXXX to have this correction removed from my credit report. I am also in the process of purchasing my leased vehicle, which is due to be returned to the dealership by the end of this month. The collection and the severe drop in my credit score have negatively affected my financial status and will cause some undue hardship if I am not able to get a vehicle to go to work. If I am unable to apply for a car loan, I will be left without a vehicle. This was was previousely paid to XXXX XXXX company in the amount of over {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a question of how my credit score is calculated. I have only one credit card with a limit of XXXX. I had a balance of XXXX, at time of dispute. The available credit of XXXX is reported as below average. 

I called Transunion about the problem and I was told that they take into account my student loan balance to determine available credit, and I responded my student loan balance should not be a factor in determining available credit because it is not a revolving credit like a credit card. 

I filed a dispute but they did not address the problem.
Product: Credit card or prepaid card

I Used Chase Visa card to purchase tickets for flights from XXXX to XXXX, XXXX. 
Flights were canceled due to Covid 19 I have requested a refund. No response. 

I placed a chargeback via Chase Ink Visa. It was Denied. 

My complaint is against Chase Ink for failure to honor the chargeback. 

The Airline canceled my flights because of Covid 19 DOT XX/XX/XXXX Enforcement Notice Dictates they must refund my money. 
It is a fraudulent transaction since they will not refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent via certified mail notice of dispute to Equifax and have not received a response after XXXX.
Product: Credit card or prepaid card

I spoke to Capitol One on XX/XX/2019 to make arrangements to close my card and pay off the balance. I was told at the time that any transactions from that point, XX/XX/2019, would be declined. At that time, in good faith, I set up an monthly autowithdrawal from my bank account to pay off this card in approximately 1 year. In checking my statement today, I see 5 charges of {$55.00} each from a school music instrument rental company called XXXX XXXX XXXX ).  This company must have had my credit card number from a previous transaction and withdrew these charges without my knowledge or consent from this card that I thought was closed. The Capitol One representitive I talked to today told me my account was not closed on XX/XX/XXXX although I am 100 % positive that I was told it would be. The Capitol One representitive I spoke to today was completely unhelpful, saying there was nothing she could do and would not allow me to dispute those charges. I am desperate to close out this high interest card and am irrate that charges were continually added to it when I was told it was closed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have a credit card that was never activated issued by Wells Fargo, and I had never used the card before. In XX/XX/2019. A charge in the amount of $ XXXXwas charged for a hotel stay. The {$740.00} on XX/XX/2019 XXXX XXXX XXXX in XXXX XXXX. I have never flown out of the country to XXXX. I don't even have a passport. 

I filed a fraud report with local XXXX Sherrif 's police department reporting the fraud that was made on the card. I also filed a report to Wells Fargo, and tried to resolve this issue without a resolution at the time that I am filing this complain against them. I have excellent credit, and this transaction is having an impact on my credit score. 

I have a file to send to you, I am not able to submit all of the documents here online. I have over 40 pages of documents. 

I need an immediate resolution, as I been trying to resolve this issue for almost a year now. I even contacted the State Attorney 's General 's Office, and could not reach a resolution there either.
Product: Debt collection

On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to TD AUTO FINANCE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX. TD AUTO FINANCE received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned XXXX XXXX can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. 

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

Conditional Acceptance Formal Conditional Acceptance and XXXX XXXX XXXX was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via XXXX Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by TD AUTO FINANCE, having not received and showing no record of response to items listed in my Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 XXXXNo response has been given on said XXXX XXXX. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of TD AUTO FINANCEs failure to cure and honor Fault places TD AUTO FINANCE in Default. For the course of dealing, set forth herein, with TD AUTO FINANCE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance. 

All items listed can be provided as proof on legal document with notarized signature that all opportunity has been given to TD AUTO. Along with these are a multitude of statements, and a threatening letter sent by TD AUTO after the cease and desist was received.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX Consumer Financial Protection Bureau ( CFPB ) [ Address ] Subject : Request for Assistance and Demand for Reimbursement of {$80000.00} Related to XXXX XXXX ( Case Number XXXX XXXX ) Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with J.P. Morgan Chase regarding {$80000.00} that was fraudulently taken from my account through XXXX. Despite my repeated complaints since XXXX of last year, Chase Bank has failed to take appropriate action, adequately investigate the matter, or provide the reimbursement I am owed. 

The case number for this issue is XXXX XXXX, and I have provided Chase with all the necessary information about this fraudulent activity. Unfortunately, it has become clear that the bank has attempted to dismiss or minimize my case, pushing it " under the table '' rather than addressing it properly. 

I am aware of the CFPB 's recent lawsuit against J.P. Morgan Chase XXXX XXXX  XXXX XXXX, and XXXX XXXX for allowing XXXX fraud to persist without adequate safeguards. Furthermore, I understand that these issues have been occurring since XXXX, as highlighted in the CFPB investigation. My situation is a direct example of the negligence outlined in your findings. 

I am seeking immediate reimbursement of the {$80000.00} stolen from my account and an acknowledgment of the mishandling of my case by Chase Bank. I have endured significant financial and emotional distress due to this negligence and am asking for your support to hold the bank accountable and rectify this matter promptly. 

For your convenience, I am including my contact information for further communication : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX I trust that the CFPB will assist in ensuring that J.P. Morgan Chase resolves this issue in a timely and fair manner. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX