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

In accordance with the Fair Credit Reporting Act 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, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds 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 an account without my written instructions Accounts that are reporting inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Wells Fargo Financial Ba nk will not leave me alone. I had 15 months to pay {$600.00} and I paid them off  XXXX  of this year but had until   XXXX   of this year (  XXXX   )  to pay them off. I got  XXXX  windows from   XXXX   in  XXXX , MO I payed them off way before I was suppose to..I then I got  one  more window in   XXXX   XXXX   XXXX  . I made payments each month of $  XXXX  {$60.00}. then they wanted more and more money and when I just about paid them in  XXXX  of this year they said I owed {$73.00} dollars ( I owed {$190.00}   XXXX   XXXX   of which I paid ). In  XXXX  of this year they charged me a late charge of {$27.00} which I did n't owe because they said I only made a {$49.00} payment in   XXXX   XXXX   XXXX     XXXX   XXXX   I owed {$600.00}, if you divide that by 15 months you get  XXXX  These people wo n't leave me alone. Worse company I ever dealt with. Anything for money. and they keep harassing me. ( per my bank  XXXX   XXXX   paid {$400.00} dollars,  XXXX / XXXX / XXXX  I paid {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  {$130.00}. ) They keep sending me letters and I told them to leave me alone, not to call or write or anything. but I got another letter today.  XXXX / XXXX / XXXX  stating they are looking into it. there is nothing to look into. My payments were always due the  XXXX  of the month. They were in Texas now I get them from  XXXX   XXXX . IA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT THAT IS NOT MINE, IVE CALLED & DISPUTED IT TO BE REMOVED. THEY REFUSED THE SECOND ACCOUNT WAS TERMINATED IN LEGIMATION AND THE CREDIT BUREAUS REFUSE TO REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Vehicle loan or lease

Because of the pandemic, I fell behind on my auto loan, I contacted the lender and ask for a payment deferral. My request was approved and any payments missed would be applied to the end of my loan. On or about XX/XX/2021 I contacted the lender to update my financial status at which time I was informed that my vehicle has been placed for repossession and the loan has been written off. The representative said the only way to cancel the repossession is to pay the past due amount of XXXX. I WAS ABLE TO PAY XXXX In XXXX and I paid the rest of the past due in XX/XX/2021. Because my business was slow to recover I started to fall behind again for the months of XXXX XXXX and XX/XX/2021 for a total of XXXX. When I contacted the lender to make the payment I was informed yet again that my vehicle has been placed for repossession and the past due was over XXXX. I tried to resolve the discrepancy but they would not tell me how they arrived at that amount. When I checked my statement online I was not able to locate the XX/XX/2021 statement, I called the lender and the lady I spoke with was very helpful, she was having problems trying to understand what was going on with my account and had to put me on hold several time 's, finally, she said she can't figure out what is going on that she would have to get a manager involved. She also noticed that billing had my address in Colorado not California
Product: Credit reporting or other personal consumer reports

I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX which then Sold my information to Diversified Adjustment. Which is in violation of the FCRA in pursuant to 15 usc 1681b you permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT EXPERIAN & XXXX   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/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, credit repair services, or other personal consumer reports

1. Private Student Loan originated - XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXX with verification of enrollment. ( I have proof of documentation as well as correspondence from XXXX of eligibility of deferment ). 
4. Was told to make 3 payments of specified amount by XXXX XXXX ( XXXX ) to make loan current through beginning of school Fall XXXX semester beginning XX/XX/XXXX with registration XX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. ) XX/XX/XXXX Payment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXX Payment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from XXXX except for a " this is not a bill '' statement received on XX/XX/XXXX. 

6. I was told on XX/XX/XXXX, by representative to resend documentation of deferment ( I have email proof as well who I spoke with ). 

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX. 

8. Called XXXX, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent. 

9. Currently, 4 law suits against XXXX for this exact reason. 

10. Please help as it is preventing me from getting financial aide to complete my education.
Product: Credit reporting

A vehicle lease reporting on my credit file was NEVER delinquent but Equifax is reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX for XXXX # XXXX. This account was never late and should not contain any status codes. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from Equifax has verified anything with them. Experian and Transition are NOT reporting any late on this account. SO how does equifax have this account reporting this way? illegal
Product: Credit reporting or other personal consumer reports

The credit bureaus are giving me a hard time. XXXX, Equifax, and XXXX are in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Please delete the late payments on XXXX XXXX XXXX accounts # XXXX and from my consumer report, this agency is in violation of 15 USC 1681. 
XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX account # XXXX also review the account there are a discrepancy and they refused to review regarding the late payments.
Product: Debt collection

I have had several instances with XXXX XXXXXXXX XXXX where I pay my bill, and they cash the checks then turn me over to a collection agency called Receivable Management Group Inc. 

More recently, I saw a bill for {$47.00} from XXXX XXXX XXXXXXXX & paid it IMMEDIATELY with my banks bill pay system. The bank shows where the check was cashed on XX/XX/XXXX. On XX/XX/XXXX, Receivable Management Group Inc sent out a notice they were trying to collect a debt in the amount of {$47.00}. I called the XXXX XXXX  XXXX, and they said I had not made a payment since XXXX ( which is ludicrous. We had this SAME issue in XXXX, and I had to get a copy of the cashed check from my bank and send it to them ). XXXX XXXXXXXX XXXX just turns everything over to this collection agency, like I dont pay my bill, and this is ridiculous! In fact, Receivable Management Group Inc is the collection agency who cashed my check last year. They endorsed the back of the check with their stamp. 

XXXX XXXXXXXX XXXX has no right to turn me over to a collection agency when I pay my bills. 

Please stop them from this illegal and bad behavior.
Product: Checking or savings account

Our Company XXXX XXXX XXXX XXXX XXXX made 3 payments to a Subcontractor XXXX XXXX XXXX. Drawn on XXXX XXXX XXXX XXXX XXXX, 1 ) Check # XXXX datedXX/XX/XXXX amount {$4500.00} 2 ) Check # XXXX datedXX/XX/XXXX, amount {$4500.00} 3 ) Check # XXXX datedXX/XX/XXXXamount {$6000.00} Totaling {$15000.00} These 3 checks were endorsed, by XXXX  XXXX XXXX XXXX XXXX, deposited and cashed by Well Fargo Bank. 
After receiving notice from XXXX XXXX. XXXX that this company had not received payment from us, we notified XXXX XXXX XXXX XXXX XXXX  and Wells Fargo Bank, Police report was issued to XXXX XXXX Police case # XXXX on XX/XX/XXXX, We have continue requesting from the banks the reimbursement of these fund paid by XXXX XXXX XXXX, a so far after 5 month we have not received the fund from Wells Fargo Bank.
Product: Credit card

due date for card is on XXXX of every month. In XXXX i paid on the XXXX and it posted on the XXXX and they gave me a late fee. today i paid on the XXXX and it posted for the XXXX. I requested a removal of the late fee in XXXX and they refused, this account is closed. I have another account with them because they refused to put the 2 accounts together. So when I call it wont let me pay on the old account so it always appears late. i only owe XXXX on this account that is closed and it is all late fees. This is gouging their low income customers when their interest rate is already 30 % please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX  account that I never opened. Next there are dozens of random inquiries on my credit file with XXXX XXXX, XXXX and Experian. 
Experian and XXXX XXXX have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on XXXX XXXX, XXXX and Experian were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} that I have reported to the police and is enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear XXXX : I am writing to request an investigation of the following information that appears on my XXXX consumer report : Dispute 1 Accounts # : XXXX & XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX XXXX in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number # XXXX & XXXX Last bill statement from XXXX XXXX Payoff Statement from XXXX XXXX Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The account with LINCOLN AFS with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.
Product: Credit card

I have issues with my e-mail account through XXXX services, their billing a little confusing and complicated
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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: Money transfer, virtual currency, or money service

Hi, I signed up on Paxful.com ( on XXXX the XXXX ) to convert cryptocurrency into bank wire. After verifying my ID and depositing over XXXX $ ( in crypto ) they decided to freeze my account. They said I violated their TOS, which I never did. 

When your account is frozen, you can't withdraw your funds, so basically they keep your funds untill the decide not to. This is ofcourse a big fraud. 

I've read many complaints about this website ( people that have their accounts frozen for years with thousands of dollars on it ) and all of their good reviews are fake/bought. It's terrible. 

I would love to get some help or a solution. 

Thanks. 

XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 my wifes purse was stolen from the vehicle. Among items Stolen was a Chase credit card ending in XXXX. My wife called Chase to cancel the card ASAP. The thief used the card within 30 minutes at Best Buy to make a {$1400.00} purchase. I dont understand how since on the back of the card it says SEE ID! When my wife cancelled the card she was told not to worry about the charges. 
The cancellation was confirmed via letter on XX/XX/2020. On XX/XX/2020 we received a letter that Chase completed the investigation and found that we are responsible for the transaction because you received a benefit from this transaction. We emailed back Chase ( because theres no way to contact them over the phone ) with the Police report we filled. The perpetrator is a XXXX  XXXX XXXX  male and my wife is a petite XXXX. We sent them the deputy info with the case number. 
On XX/XX/2020 we received a 3rd letter that Chase reviewed the fraud claim again and found that the transaction is valid. I dont understand how they can claim the transaction is valid when it wasnt performed by anyone authorized to use the card nor sign for it?!?! 
In addition, Chase provided this to the credit reporting agencies and warned us that it may not be reflected accurately. They stated they closed the fraud claim and assured us they researched the fraud claim thoroughly. How did they do that when they didnt contact the deputy in charge of the case. We have the email we went chase at the email indicated by them.
Product: Credit reporting

Hello, on XX/XX/2017 and XX/XX/2017 XXXX of XXXX XXXX FL XXXX reported the same Collection account on my Credit report. This is malicious intent to ruin my life to report the same account within two weeks of each other dropping my credit score. There is a open dispute with the first account as I feel it is fraud and to come back within two week and add the same Collections account definitely has to be fraud. Please help
Product: Money transfer, virtual currency, or money service

I am writing to express my dissatisfaction with the Zelle service and to formally request immediate resolution to the issue I have encountered. There was a recent unauthorized transaction on my account. Despite multiple attempts to contact customer support, I have yet to receive a satisfactory resolution. This issue has caused financial inconvenience which is both frustrating and unacceptable. I trusted Zelle to provide a seamless and secure payment experience, but my experience has been far from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing Midland Funding LLC was on my credit reports I immediately sent a debt validation letter to them as they have no valid account with me. They do not own this account and I am not sure why they have my information. After two months have past of sending a debt validation letter that was certified, I have not received any correspondence from them. Midland does not have any valid information nor have they communicated anything to me after properly sending a correct communication. This is illegal and incorrect.
Product: Credit card

I was supposed to get an annual fee waiver for being a Citibank Private Client customer. When I opened the account in XXXX I was charged the fee, and paid it, and I've been trying to get it credited back since then. I have heard many stories from Citibank about when the fee would be refunded, and the stories have so far not been true. Mostly the credit card department tells me the bank department has to do something, and the bank department tells me the opposite. One such example is that the bank department told me the credit card department will dispute the annual fee so that I don't have to pay it while waiting, and the credit card department said they can not do this. My next payment is due on XX/XX/XXXX. I would like the {$590.00} fee to not be part of the payment due, but I have no confidence that Citibank will fix the issue by then. Just today I spoke with 2 managers at Citibank and asked for a permanent or temporary credit today, and they refused and told me to keep waiting.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ACCOUNTS : XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX {$3000.00} XXXX - XXXX {$6100.00} XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX {$140.00}
Product: Money transfer, virtual currency, or money service

Date of Occurance : XX/XX/19 XXXX XXXX XXXX ( XXXXXXXX ) XXXX-XXXX XXXX va Schools First Credit Union Transfer Amount : {$150.00} XXXX does not offer fraud/scam protection services for their clients. Although it is deemed as trusted by banks, neither institution is willing to help me get my funds back. My bank, SchoolsFirst Credit Union, denied my right to file a claim for any XXXX authorized transactions. They say I have no option but to attempt to contact the person who Scammed me. This person is unreachable and non-communicable, they did not and will not send the product or goods that were promised as part of the transaction. His name on XXXX Account is XXXX XXXX. His Email : mailto : XXXX and phone number ( XXXX  ) XXXX-XXXX.
Product: Checking or savings account

I have been having problems with Chase Bank. I opened an account with XXXX XXXX , and a friend of my family transferred {$14000.00} to my account. I transferred {$14000.00} to my Chase account. Chase returned the check to my XXXX checking account. I was told by Chase that my account would be closed systematically on XX/XX/2022, but it wasnt. I have gone into the branch to get it closed on XX/XX/2022 and again after it wasnt closed on XX/XX/2022. They keep it open saying that it will be closed, but they dont know the date. They are keeping it open until XXXX resolves their hold over the money in my account until it can be verified. There is no reason for Chase Bank to keep my account open. They returned the check and that's the end of their involvement.