23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

LendingClub was contact on XX/XX/2022 to delay two payments from two different accounts. After speaking with an agent the delay of payments had been completed and both payments were not due to be withdrawn from my bank account until XX/XX/2022. 
XX/XX/2022 account # XXXX a ACH transaction cleared my bank account, which this should not have occurred until XX/XX/2022. 

XX/XX/2022 I contact LendingClub thru Chat and was advised that the system was documented showing the payments had been delayed. The payment from one of the accounts should not have been withdrawn from the bank account. Refund was requested. I requested the ACH funds to be placed back into my bank account within 48 hours due to LendingClub error. 
XX/XX/2022 Chatted with a agent and was told it takes up to 3 days before a member of the leadership team would contact me which I was not told that on XX/XX/XXXX. Would not provide a name or number that I could call to get this matter resolved. I had to wait until LendingClub contact me. 
XX/XX/2022 Called and spoke with agent and was told and I quote : " Fund will be credit to the my bank account Monday or no later then Tuesday of XX/XX/2022 any NSF that may occurred will be covered by them since it was a error on their part. '' end of quote. 
XX/XX/2022 Check bank account status - No pending transactions Chat conversation with original person I spoke with on XX/XX/XXXX, now ask me to allow up to 7 days for transaction to be completed which is unacceptable due to Lending Club is set to ACH the exact same account on XX/XX/XXXX, yet they have not refund the money to my bank account. She understand my frustration? 
This matter has not been handle fairly, accurate even but they did admit the mistake. Now you have to wait due to our procedures. 
The agents offer there apology but that is all there is nothing else they can do. So when LendingClub makes a mistake the consumer is made to stuffer and we just have to wait until they fix it? Okay I waited and now when it still not done let 's add some days to it? I am very unhappy and which for you to investigate this matter
Product: Credit reporting or other personal consumer reports

Total Visa sold an account under my name to XXXX XXXX. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. Total Visa claims that XXXX XXXX is reporting on my credit but under the wrong creditor name of Total Visa and not XXXX XXXX. I did not even know initially that XXXX XXXX bought the account. Please see attached letter from Total Visa detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.
Product: Credit reporting or other personal consumer reports

In late 2021, my landlord had filed an unlawful eviction notice and I was the only one in my family making income during the midst of a XXXX  pandemic, and while my family and I were in shock, I decided to pursue buying a home, and a lender asked to pull my credit. i am an individual who mostly uses my debit card or cash to pay bills and have only had XXXX or XXXX credit cards and would pay in full and not be involved in my credit as there was no need. When the lender pulled my credit, they told me I had XXXX charge-offs on my credit reports for Experian, XXXX, and XXXX and I was taken back and completely caught off guard. The XXXX charge offs were from XXXX XXXX XXXX XXXX XXXX XXXX, both of which I have never opened a credit card with, never authorized, applied, or used from either company. For almost a year, I disputed the fraudulent accounts with the credit bureaus by sending debt validation letters, proof of debt, wet ink signature, method of application, statements, charges, etc. and an explanation on how the credit bureaus can continue to report fraudulent accounts I never authorized and was not aware of. I decided to also file an identity theft police report, which was approved by the XXXX XXXX XXXX  XXXX  and also changed passwords on the XXXX cards I had, placed extended fraud alerts on all three bureaus, and made sure my personal information ( which was a mess, incorrect names, old addresses, old phone numbers and incorrect employers I had never worked for ) was up to date and accurate to ensure the accounts got removed. No credit bureaus removed the accounts after seeing an approved identity theft police report, which I sent and attached to my dispute. I have filed another identity theft affidavit and I am asking the CFPB to remove both fraudulent accounts by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on all credit reports and immediately updated as deleted. I will not tolerate FCRA violations, and both these companies harassing me and sending me debt collection letters on accounts I never opened, authorized, or even knew existed. The CFPB has a legal obligation to force the credit bureaus to remove the XXXX charge-offs and allow me to properly build back my financial picture which was damaged at no fault of my own. I will provide as much documentation I can to help this process go smoothly.
Product: Payday loan, title loan, or personal loan

I 've tried to setup automatic three times, once online and twice on the phone. The company keeps telling me they will enroll me in the auto-pay feature and then charging me late fees when it does n't execute a payment automatically. I am forced to call in, make a one-time payment, and dispute late fees repeatedly. I 'm sick and tired of contacting the company to deal with this!
Product: Credit card

I was purchasing ticket on XXXX XXXX and received a promotional offer to apply for a citi bank advantage card to use to buy the flights and receive a statement credit if I use the card to purchase those ticket. After applying and being approved I went to get the temporary card information and the website timed out. I then tried to called citibank to get that information and no one could give it to me. Stated I had to wait 7-10 to to get my actual card. I told them I needed to buy today that is why applied and what they apply now option stated. Use on your purchase today in exact words. I spoke with a manager who told me I could cancel this application and after waiting 10 minutes I could apply again and see if the temporary card information worked. I waited 30 minutes applied again and was denied. I called again and spoke to another manager XXXX who told me that is not true it could take 24 hours and the later in the conversation that switched to 5-7 days. Then later she started stating 7-10 days for other stuff. And told me again no one has access to temporary card info. Nothing she can do to help. This is not right. When you are in a store and you open a credit they immediately give you the card information if you are approved. Especially do not advertise you can use it right way if you can not. And then get lied to by managers.
Product: Debt collection

This is the fourth trial that ProCollect INC. made to collect the debt that I did not owe. 

Procollect Inc. contacted me first time in XX/XX/2015 to collect a debt that I did not owe. It was resolved throughout credit bureau by verifying the person who Procollect tried to contact was not me. 
The same company tried to collect the same debt that I did not owe a few more time for the past. 
Today I got a letter about the same debt from ProCollect. The amount is {$360.00} and the creditor is XXXX XXXX XXXX/XXXX. 
I want ProCollect recognize that I am not the person who owes the debt described in the letter and will not contact me any more.
Product: Checking or savings account

Hello, My name is XXXX XXXX I am contacting your guys to share my extremely stressful and unpleasant experience with JPMorgan Chase Bank. XX/XX/2021 just like any other patron of the bank I deposited {$1200.00} ( plus more * can not remember exactly dollar amount ) into an ATM machine located in XXXX XXXX XXXX neighborhood. ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ) I insert the bills into the machine, I could hear the machine close and counting the money as I waited patiently. Shortly after I was issued a receipt that read To be sure your deposit went through please call XXXX. XXXX The receipt is also timed stamped, date of transaction, and a transaction number. 

The branch Manager came to assist me instantly, he noticed that the ATM had not deposited the funds and sat with me while I opened a claim over the phone with the claims department. He insured me that it would be taken care of and that his branch had 3 days to respond to the claim and preform an audit on the ATM machine is used that day. I was told it would take 24-48 hours to have a temporary credit issues to my account that never happened in fact I called in they said theres nothing they could do at the moment and insured that my situation would be taken care of bare with them for just a few more days. 

Here we are, XX/XX/2021 a week since the incident happened, I received a message from Chase stating that there was no transaction posted to my account, they could not find the money and theyve closed my case. I am in shock, stressed and unsure what to do at this point. Im unsure how they are allowed to do this to customers without any repercussions behind it. I am currently late paying rent due to this mishap, and late fees have also incurred. Arent there cameras located at the branch to prove I took the money out of my hand bag and placed it in the machine? I have so many unanswered questions. Please if theres anything you could do to have my story heard please let me know. This is completely wrong and unfair.
Product: Payday loan, title loan, personal loan, or advance loan

This promissory note has been discharged and this company refuse to remove from credit report, a 1099c has been sent from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Experian regarding this fraudulent address and want it removed. 
I checked my credit report via the XXXX  site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I spoke with a representative at Experian on XX/XX/2021 and was assured my name would be corrected to be XXXX XXXX but it is still showing as XXXX XXXX which is incorrect. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Experian needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, XXXX XXXX
Product: Debt collection

it has become clear that MCM is in the business of fraud, deceit, deception and prima facea criminal activity. MCM has averred that my husband of 29 years are not married. MCM has sent numerous statements to addresses at which we have never lived. MCM has relentlessly hounded my XXXX year old mother-in-law with phone calls that sent her into a state of sever mental distress. MCM has consistently bargained at a level far below bad faith. to be quite frank it would have been far more pleasurable to deal with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

Personal Information XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX Date XXXX XXXX {$760.00}
Product: Checking or savings account

XX/XX/2019 XXXX Unethical and Fraudulent behavior from Chase Reps XXXX XXXX ( XXXX Female XXXXl age XXXX ) and Mohammad ( XXXX XXXX Male XXXXl age XXXX ) at then Chase Branch located XXXX XXXX XXXX XXXX XXXX NY XXXX Phone ( XXXX ) XXXX Given the Original Power Attorney to chase bank reps XXXX and XXXX XXXX and submitted legal copy of {$10000.00} CHECK JPMORGAN, It states you can use the ORIGINAL CHECK TO RESUBMIT. ITS BEEN 48 days since we requested for the REFUND CHECK. 
Complaint XXXX XXXX XXXX Other banking product or service Managing an account JP Morgan Chase XX/XX/2019 Open Sent to Company
Product: Debt collection

I sent a debt validation letter to bull city financial which was received on XX/XX/21 asking for specific documentation including contracts and/or lease agreement baring my signature and any other relevant documentation as proof that this third party company has the legal right to collect not just to verify whether or not the accounts in question belong to me or not. In the process bull city financial sent me an itemized bill with dates amounts and procedures without a signed hipaa release form. I believe that my rights have been violated. Including but not limited to never receiving a notice of intend to collect or proof a notice was sent as required under 1692g, not using the proper procedure to legally verify debt by requested the original creditor send the requested validation documentation instead Bull City Financial sent to me directly disclosing this company as possession and/or direct first hand knowledge of PHI, possibly illegal practice of passive collections ( parking )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 1XXXX U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ list account types ( example : a personal loan or loans, a credit card or credit cards, and any other accounts ) ] from Central Portfolio Cont with a balance of {$1000.00}, XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$270.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to run my credit. Additionally, there are addresses and names that I don't recognize on my personal profile. Please remove them.
Product: Credit card

Due to a fraudulent transaction a completely new card was issued and the old card cancelled completely. The institution is reflecting a transaction on the new card when it HAS NEVER BEEN USED OR .... OR EVEN ACTIVATED. The last person I spoke with insinuated I provided them the number however, the only other having that information was the institution itself. Apparently they have violated my financial security in providing the card information for a transaction I did not authorize. As a result I am now in the process of securing a new card elsewhere and now I am EXTREMELY concerned with how this is going to reflect on my credit report as Ive worked tirelessly over the past several years to get it to where it is now which allowed me to even qualify for a credit card. 

Also please note, this is not the first time I have had security issues with this institution which prompted closure of all current accounts and has also caused cancellation of all previous accounts a number of years ago as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation
Product: Money transfer, virtual currency, or money service

I received an email regarding updated policy from Affirm on XX/XX/22. I immediately contacted them and informed them I do not have an account and should not be receiving these emails. I spoke with XXXX, the supervisor who said that they did have an account for me. I requested they close it because it was fraudulent. They then asked for my social security number and I refused to give it to them on the basis that I never gave it to them in the first place and there are other ways to identify who I am ; the request was fishy and sounded like a scam especially when XXXX asked for my email as if Affirm didn't have it ( how else would I receive emails from them? ) I was told I would receive an email within 3-5 business days with instructions to close the account- they refused to close it once I said I would not give them my social security number. I never received anything. I reported them to the FTC on XX/XX/22 because the interaction made me really uncomfortable and I think it's a scam. I contacted them again XX/XX/22. I received a response from XXXX who apologized for the delay in response and promised I would hear from someone within the week. I haven't had any response from the company at all. I have never signed up for affirm. I have never given permission to open an account and if that occurred it was done through subterfuge from Affirm or another fraudulent occurrence from someone else. As I understand it, after looking into it Affirm is like After pay - you can purchase on credit and pay back in installments later. I only have a XXXX account not an Affirm account.
Product: Credit card

I called in XX/XX/XXXX to get amount to pay for promotional balance for my XXXX XXXX XXXX and how to make sure applied to account correctly. I was told {$430.00}. I also asked how to get it applied to the account correctly and they said the computer would know how to apply it by the amount. It took XXXX people to come up with that figure and probably an hour of my XXXX $ XXXX to get the info. So I got transferred over to the computer so I made the payment. I get the statement and it was applied to the regular balance. I called once again and asked to have it moved to promotional balance and make the rest of the correct payment ( because I was then told I would have to pay {$6.00}? ? XXXX ) and they couldn't do that even though it was their fault. Called back again and got same story on XX/XX/year> and there was no one else I could talk to. Dug farther and found number for complaint and spent another hour on the phone with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly
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 XX/XX/2022 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 XXXX 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

I sent a letter to XX/XX/year> stating that the company was in violation of the law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I stated that i want my late payments for a closed XXXX XXXX Account deleted. They responded with a generic response claiming I had a third party which was incorrect.