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

This information reporting on my credit reports has been a problem for years and I am tired of it. This account was opened and closed in XXXX as far I can remember but continued to report as if it were still opened and kept reporting wrong info every time it would update. My report from XX/XX/XXXX shows payments until XX/XX/XXXX with the status update showing XX/XX/XXXX and Balance update as XX/XX/XXXX then all of a sudden my report shows a status update as XX/XX/XXXX and balance update as of XX/XX/XXXX which means they backdated the balance and status updates by one year about one year later on my report from XX/XX/XXXX. The report on XX/XX/XXXX also shows payments till XX/XX/XXXX ( 90 days late ) and stops but previous report shows payments till XX/XX/XXXX and late payments only until XX/XX/XXXX which means they removed one late payment apparently. So far information is very inconsistent and has been. Then my report from XXXX XXXX all of a sudden shows exceptional payment history with no payments nor late payments reporting at all compared to previous report. Then the report on XX/XX/XXXX shows a different account type AND the date opened changes randomly from XX/XX/XXXX to XXXX XXXX which means they cant verify correct info if it is different every time and it is annoying and also no payment history again. My report on XX/XX/XXXX changes to a different account type AGAIN. Finally as of today XX/XX/XXXX my report is all of a sudden showing late payments AGAIN AND the balance update date changes a THIRD time this time from XX/XX/XXXX to XX/XX/XXXX. None of this information is consistent and is constantly changing which means they do not have accurate records and do not know correct info for the account. I did call Kay Jewlers and they stated my account was purged and they are having trouble locating it but when they finally did locate it, they told me over the phone my account was opened XX/XX/XXXX and closed on XX/XX/XXXX??? I was XXXX in XXXX so how in the XXXX could I have possibly opened a credit card account even if I wanted to?? The fact that they said the account was opened in XXXX just goes to show none of my information in their system is accurate and they can not prove accurate info. So why the constant inconsistent reporting of wrong info as well as changing dates on the account and payment history back and forth for the past three years if it was opened and closed in XXXX? I have disputed with the credit bureaus and of course they are no help because they never actually investigate the situation and instead use an automated system to verify info which is not proof of accurate nor verifiable information. They are not allowed to continue to report inaccurate, non verifiable, and inconsistent information so this needs to be deleted immediately from all of the credit bureaus as all credit bureaus are not even reporting the same info. PLEASE DELETE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My accoun was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX for XX/XX/20 shows 3 incorrect addresses which have never been my residence, a social security number variation and a primary telephone number that is not and has never belonged to me in addition this report does not reflect my current employer of 3+ years.
Product: Credit card

I used Acima leasing to get furniture for my home. When I signed documents it stated that XXXX would be billed to my account bi weekly per contract. I noticed that they have been charging me XXXX bi weekly instead of XXXX. I wasn't made aware of any other taxes or fees when signing to have XXXX deducted for this purchase. They get you to sign for one payment amount and charge you more. I think it's a rip off.
Product: Mortgage

I am current on my first mortgage. I received foreclosure on a second loan that was from XXXX? I am on XXXX and have been sick and on medication for over XXXX years and I dont remember this happening. The last payment date was from XXXX. They are now threatening foreclosure for {$12000.00}. The company is Statebridge Company. Loan # XXXX. I have applied to the loss mitigation program and I was denied. I spoke with XXXX the account manager and asked why this is from XXXX? And requested information including the last payment date. I was told that the last payment was from XXXX. I asked why this is so old & he didnt know. He suggested I contact the loss mitigation department and I did. They wrote me back saying I was denied and still owed?? This is past the statute of limitations to collect. I have spoken to the trustees as well and they said to contact Statebridge. I have a foreclosure sale date of XX/XX/XXXX. Why can they bill me for something I dont remember and is past the statute of limitations to collect? Please help me!
Product: Checking or savings account

I was informed by my bank XXXX XXXX, XXXX that my business checking account was being closed, the letter states I will receive my funds via a cashier 's check, I have yet to receive a cashier 's check. this is the letter I sent to my bank in an effort to resolve and retrieve my funds from my closed account. 

Dear XXXX Department, This letter is in reference to my business account ( account # ) which has been unduly closed due to fraudulent activity on my daughter checking account. I have been a account holder with Bank America since XXXX, over the years with Bank America Ive experienced many of your business tools and several applications up to maintaining a merchant account, and Ive never had any problems with any of my bank accounts. 

In XXXX I encouraged my college bound daughter to open a bank account with Bank America as part of a generational step in her financial future, never did I think it would result in fraudulent activity on her account resulting in the interruption of my business account. This interruption, the freezing of my account funds is creating a major problem for my business, I can not pay my bills, or make any purchases. 

It is my declaration that I, my name have no knowledge of how the fraudulent activity occurred on my daughters account, nor do I have any association with the fraudulent activity on my daughters account, and I am completely unaware how this fraudulent activity happen. And may I add these accounts were not link, I was only added to my daughters account in case of emergency. 

In closing I wish to remain and maintain my business account with Bank America, Ive been very satisfied as a customer at Bank America, so I kindly request that you unfreeze my funds so I can proceed with my business financial matters. 


Regards, My Name My phone number,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

This problem concerns Regulation E and disclosure requirements regarding electronic debit and credit transactions. My bank is Fifth Third Bank. The account at Fifth Third was previously handled by XXXX XXXX and other institutions. As part of my regular account transaction activity, I receive Social Security deposits, transfers from another financial institution, dividend payments, and make EFT payments for natural gas, health insurance, life insurance, etc. As part of my account package, I received monthly paper statements via postal mail through XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I did not receive mailed paper statements. Further inquiry into the situation found that I was set up for paperless statements, something that I never authorized. At the time of this " missing statement '' inquiry, I was also informed that the bank would charge {$3.00} per month for paper statements. I never received prior disclosure that the bank was going paperless. I am an senior citizen and do not want online banking and do not have a smart phone. I thought it was my right under Reg E to be notified about electronic funds transactions within 30 days of occurrence. I also thought that I am to be notified regarding changes in account practices by a bank if they choose to charge for basic services. I typically maintain a {$1500.00} balance in my account and have a loan at the bank that is paid monthly to avoid additional checking account fees. Please let me know how this bank was able to make unauthorized changes to my account, stop notifying me of the electronic debits and credits, and create a new service charge routine from what was not previously in place without notifying me. I am very comfortable with the local branch management and believe that these problems originate from corporate office decisions.
Product: Debt collection

Midland Credit Management PH : XXXX attached my bank account with no notice to me on a debt that is at least 7 years old. I had gotten no notice of a court date ( if any ) or that they were attaching my bank account!!! I only found out by trying to by fod at the store and my debit card would not work!
Product: Credit card or prepaid card

In XX/XX/XXXX I opened my XXXX XXXX Visa Infinite card with Chase Bank NA. On XX/XX/XXXX I was charged a {$450.00} annual fee covering 12 calendar months per the terms and conditions set forth by Chase. <P/>On XX/XX/XXXX Chase Bank NA sent me a letter that they had closed my XXXX XXXX Visa Infinite card ending in XXXX due to 1 ) Rapid increase in revolving balances, 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit. All my Chase Credit Card 's have had a {$0.00} average balance just like my cards with other banks. I have also not broken any of their Terms and Conditions. <P/>Chase Bank NA has refused to re-open my account or provide me with a pro-rated refund of my {$450.00} annual fee, since I was only able to use the card for less than 6 months I do not find it fair to be charged the full annual fee.
Product: Credit reporting or other personal consumer reports

My identity has been stolen. Someone used my information to apply for credit. Attached are the companies that someone used my personal information to apply for credit. I called each company and ask them to provide written documentation of my authorization to conduct an inquiry on my credit. As of today XX/XX/XXXX, no company has provided written documentation. 

I initially filled a complaint with all XXXX bureaus in XXXX of XXXX. Equifax is the only bureau that has not deleted the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I am a victim of a data breach and victim of identity theft I been trying to get this off my credit its stopping me from getting a new apartment and car
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T bank is reporting charged off account on my report for about {$500.00}. I have never received any collections about this account. I have never had a M & T bank account. I reached out to find out more about this account and theyve been unable to assist me in resolving the matter.
Product: Credit reporting or other personal consumer reports

XXXX did not do a thoroughly investigation into the matter. Explained what information was provided to the company to verify accuracy of the account. Company did not provide the requested information in a timely manner.
Product: Credit card

On XX/XX/XXXX and XXXX someone try to open up a credit card on me from Chase bank
Product: Credit card or prepaid card

Around XX/XX/XXXX, I saw a suspicious charge made to my credit card. I called in and got new card mailed. I was waiting for that new card for a while, and I didn't get any phone call/ text/ email from the company. On XX/XX/XXXX, I was checking my account, and saw someone activated my new credit card and have been using it. So, I reported right away, cancelling that credit card. The next day, I called in again, and got a new card issued ( and this one I have with me now ). About {$2000.00} charges were made to that stolen card. And that card, I never received it. Then, I haven't heard from them for a while, so I called in again regarding the process, and the company told me that they send some letter regarding the dispute. Then, I found out that the claim that I made on 19 purchases from unknown party using the stolen credit card during the dates of XX/XX/XXXX - XX/XX/XXXX ( totaling {$870.00} ) were reversed on the XX/XX/XXXX. After I found out through the letter received end of XX/XX/XXXX, I saw that the reason that these claims were reversed was because they claimed that I somehow " benefited from the transaction by either receiving services and/or merchandise from the merchant '' from a stolen card. I called in for few weeks regarding these reversed charges, but I heard various reasons from the employees, like I may have another cardholder using it ( which I proved that it was not the case, as both cards ( I share with another person ) went missing together ) and fraud not being viable, since the other party activated knowing my personal information ( the lady explaining this weren't hearing my case at all, just arguing that this is my fault ). Last time I called in again regarding this reversed claims and tracking number of the previous credit card package, and the lady on the phone firmly said that the case is closed and don't have access. She just referred to another department to call in regarding the case, which I haven't got a call for few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding balance at XXXX XXXX. They reported me as delinquent to a credit bureau early last year but then removed it from my credit report. Removing the delinquent amount bumped up my credit score. IC systems ( I guess ) bought the delinquent credit from XXXX XXXX and reported it as " for collection '' on XX/XX/2019. I believe they are trying to " re-age '' this delinquent balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccuracies on my report. 

XXXX Account # - XXXX Date - XX/XX/2022 If, 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.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CUSOMER RIGHTS TO PRIVACY AND CONFIDENTIALTY UNDER XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX IN AMOUNT XXXX. THEY HAVE VIOLATED MY RIGHTS. I LOOKED AT MY EQUIFAX CREDIT REPORT ON XX/XX/XXXX, AND NOTICED THAT THERE IS INCOMPLETE AND NOT ACCURATE INFORMATION ON MY EQUIFAX REORT. INFORMATION ON THIS REPORT MUST BE ACCURATE ACCORDING TO THE LAW XXXX XXXX.
Product: Mortgage

On or about XX/XX/year> I received this notification from the XXXX XXXX XXXX XXXX. But XXXX XXXX Mortgage and Preservation Bankruptcy Department is being vindictive and refusing to honor this and instead is trying to get me to reapply for their Mortgage Assistance Program in which is useless because this failed program by then is what has me in this Foreclosure situation. And sadly there tends to be an unpleasant atmosphere amongst these customer service representatives of lies, deception and mockery towards minorities. Because obviously they cant expect the fact that this minority has been approved for this {$50000.00} grant from a third party. And if these individuals are supposed to be helping those to whom are in needing according to their political associates then why are they doing this to me? Also it was just brought to my attention than a Refinance Check for XXXX Plus Dollars was forged in my name by Step Father XXXX XXXX to whom is also on the mortgage. And one of the main reasons to why he has no interest in this property is because hes fearful that he may face legal action for forging the bogus name of XXXX XXXX XXXX on the Mortgage Note and the Refinance Check
Product: Mortgage

I called Shellpoint Mortgage to have them PAY my insurance to XXXX. XXXX was on the call with the mortgage rep and he said that he'd make payment the same day to XXXX. This was in late XXXX. 

Payment wasn't received by XXXX, causing them to drop me from their insurance. SHellpoint is going to assign me to another insurance company of THEIR choosing. 

Totally wrong on Shellpoint 's side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On Monday, XXXX, I, XXXX XXXX, attempted to log in to my account on the EXPERIAN website. I was denied access and given the reason of " incorrect password '' however my password has not changed and is saved into my browser settings. I then selected to " log in another way ''. The website prompts led me to have a verification code sent to my cellular phone, however, no verification code was sent. I waited patiently and tried several times. I assumed they may be having technical issues with their website so I abandon my efforts to view my credit score online at this time. Please note, EXPERIAN offers the service of viewing you personal credit score online for free at any time from their website and this message is part of their recording from their phone number XXXX. 
On Wednesday, XXXX, I, XXXX XXXX, again attempted to log in to my account on EXPERIAN.COM, and again, I was unable due to " incorrect password ''. 
Once again, I selected " log in another way '' and again I was not sent a verification code to my cellular phone. At this time I called their customer support number XXXX. I went through the automated process and elected to have an email sent to my email address on file to gain access to my account on the EXPERIAN website, however this link took me to the log in page where I was denied access due to " incorrect password ''. I called XXXX a second time and was told via automated customer service that I could purchase my credit score for {$7.00} and receive it in the mail within 10 days, or log on to their website and view it for free at any time. I have no other recourse but to file a complaint here because it is clear that EXPERIAN has and is denying me access to my account and confidential consumer information from their website. Also denying me a service they offer for free in attempts to charge me a fee. Please consider this report a sworn affidavit as I do hereby swear and affirm, this statement to be the truth and facts as they did occur.
Product: Vehicle loan or lease

They trying to make me pay money and the car is closed on my credit report already been took care off I want this off my report
Product: Credit card or prepaid card

I filed Identity theft and told chime to mail me 2 new card in XX/XX/XXXX and the card came in XXXX and XX/XX/XXXX '. I saw them on informed delivery. Me and ex had split up XXXX already. I filed charges and asked chime for the receipt, statement, and transaction. They never sent me my information I asked for under the FCRA. The account stayed open until XXXXXXXX XXXX, and is still on my credit and I've been fighting with this for a year now. And the same thing happened with XXXX XXXX secured card. And this card is still on my credit and I requested information from them under the FCRA!
Product: Checking or savings account

I had a bank and saving with Wells Fargo Bank N.A, I had several account with them and wrote them to see was I eligible to receive settlement money, my accounts was back when all of this was going on, I tried to contact them using information on their website and was told it was for the employees only which didnt make sense to me, at that time I did give them my old bank account number, I did not get a real answer.