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

XXXX, EQUIFAX and XXXX both have already " updated '' and " verified '' all the previous accounts that I have submitted in XXXX ( CFPB ) Complaint. I expressed my concerns about my rights to " fair '' and accurate reporting and they changed absolutely nothing and updated only remarks which have little nothing to do with specific details that hugely affect your account like : Date opened, current status, accurate balances on all 3 bureaus or accurate account balance initially etc. 

It is a clear violation of my consumer Rights and my Fair Credit Act Reporting Rights to continue to report these accounts inaccurately. Please see attachment where I have uploaded all3 bureaus and their inaccuracies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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! 

XXXX5 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 XXXX  days before the payment due date. 

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 XXXX  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

Fraud inquiries on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX  XXXX account ( Account Number : XXXX ). 

Despite multiple requests for correction through letters dated XX/XX/XXXX and XX/XX/XXXX, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of the information reported in a consumers file. In my case, this mandate has not been followed, as the incorrect reporting of late payments has persisted despite my two prior disputes.

Moreover, under 15 U.S. Code 1666b, creditors are required to send periodic billing statements at least 21 days before a payment 's due date. The inaccuracies in late payment reporting indicate that this requirement was not adhered to, which further supports my claim of unlawful reporting practices. 
TILA Violations The Truth in Lending Act emphasizes the necessity of providing accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has had a negative impact on my creditworthiness, thus violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Additionally, the Protection Against Non-Payment of Obligations Act reinforces creditors ' responsibility to issue timely billing statements, preventing consumers from incurring unfair penalties. This responsibility was not met by XXXX XXXX in my case. 

New Evidence of Error The discrepancies across the three major credit bureaus for my XXXX  XXXX account involve inaccurate reporting of late payments in XXXX, XXXX and XXXX of XXXX. Specifically, both XXXX and Experian incorrectly reported 30-day late payments in XXXX and XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. 

XXXX also reported similar late payments in XXXX ( 30 days ) and XXXX ( 60 days ), along with an incorrect 30-day late payment in XX/XX/XXXX. These errors remain unresolved despite my previous disputes. 
Pattern of Non-Compliance The repeated errors across these credit bureaus highlight a pattern of non-compliance. This persistent failure to accurately report my payment history is unacceptable and has caused unjustified harm to my credit score. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report has invalid information on XXXX, XXXX, and Experian. 
The personal information on my account is incorrect. 
My address needs to be changed and I'm requesting my employer information to be removed for privacy reasons. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
The only name that should be present is XXXX XXXX. Please update all my personal information on my credit report as soon as possible.
Product: Credit card or prepaid card

Last summer, I took advantage of a promotional offer on Amex Rewards Business Gold Card to get XXXX rewards point if I spent XXXX dollars within 3 months.  I obtained that card for my small XXXX business, and after satisfying the spending requirement sometime in the Fall 2018, I received XXXX reward points.At that time, I ended up with two rewards cards: one was my personal card, called EveryDay Card, and another one, above-mentioned business rewards card. I called AMEX Rewards Customer Service to advise me which card is better to use. I was told that both cards basically offer they same rewards benefits, except on personal card, if I spend XXXX dollars a year in groceries, I would get additional XXXX rewards points--the feature that is not available on business cards. So I basically stopped using business card and started using personal card for my everyday purchases.Last Spring, I began considering to basically curtail my business activities, (I am XXXX y/o now), I decided that to get rid of the business cards that was no longer using. I called general customer service, and explained to a Representative(I believe, he was in XXXX or XXXX) to him why I wanted to close the business card account. He was understanding, and fulfilled my request.I must say that nowhere during that call he would warn me that  if I close the account before one year anniversary, I would be in danger of losing the XXXX rewards points.After Amex indeed took my XXXX points away, I called the rewards customer service and explain to them what happened last year and also this spring. Two rewards customer service supervisors who I discussed this matter, basically agreed that that automatic removal of XXXX points from me was a mistake, and I should file an appeal, which I did. I was also told that their customer service cannot correct this error: it should go to some unnamed "higher entity", which is supposed to do just that.After a few weeks without any news on my appeal, I contacted AMEX headquarters and was given a contact of Mr. XXXX, presumably from the AMEX Executive Office.Mr. XXXX was nice but completely useless: he wasn't one who was making decision in my case: it was someone else, who Mr. XXXX   refused to identify. He only informed me that my appeal was rejected. When I asked him to send a written explanation as to why and by whom it was rejected, he promised me to do so, but never did.As result, because of series of perhaps unintended mistakes by the AMEX representatives I lost XXXX rewards points that I could use in a variety of ways: from travel to hotel, car rental, etc.I believe the justice should be restored and AMEX as a company should be held responsible to the information provided by their representatives, wherever they are.
Product: Checking or savings account

I opened my account on XX/XX/23 which until this day I have not received my debit card had to go to the branch to get a temporary card. On Friday XX/XX/23 I made an ATM deposit of my payroll check in the amount of {$2200.00} that check has been on hold. On Tuesday XX/XX/23 I called the branch and spoke to the manager to see if I can get access to my funds she tells me she cant help with that because she has no access to the ATM transactions to call the XXXX number and basically said I can not help you, later that day I tried logging into my account I was unable to that whole day, later that night I tried again and still couldnt therefore I called the customer service number to be told that my account was blocked and was put under investigation without any explanation. Called the number I was provided on Wednesday XX/XX/23 was told they needed to verify the check with my job I provided the contact information for my payroll representative, after that the Citibank rep refused to call my job stating they could not make outbound calls that person disconnected the call with no prior notice. I called back again got a hold of XXXX different representatives finally one actually did his job and called and verified my check then proceeded to unblock my account. Wednesday XX/XX/23 my funds are still not available to me so I called and spoke to a supervisor and she tells me my funds are on hold for 5 days and will not be available until XX/XX/23 which thats more than 5 days then she tells me to go to the branch to see if they can help me because she cant and disconnected the call. I need my money now and Citibank does not care about that or me as a customer and the distress is causing.
Product: Checking or savings account

I filed a claim about transactions that was made on my account that I did not authorize or rarely use Wells Fargo did not help me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXXXXXX XXXX which was categorized as derogatory and had late payments. This was a mistake by XXXXXXXX XXXX and I was able to resolve the issue directly with XXXX XXXX  and they provided a letter stating that the derogatory information should be removed ( see attachment ) XXXX also mentioned that they contacted the bureaus. XXXX was able to remove the delinquent status, and remove the late payments and removed the redeemed repossession remark. However XXXX and transunion only removed the late payments and still show the account as a derogatory account and a redeemed repossession remark even though XXXX XXXX  contacted them to have this fixed. I would like for XXXX and transunion to to make the necessary changes to my account to reflect an open status and not derogatory status and also to remove negative remarks since XXXX already clarified that they are amending the loans payment history to remove all references to the disputed delinquencies on this account ( see attached letter ). Thank you.
Product: Bank account or service

My personal account at Chase was breached, either by someone stealing my personal information off my debit card, or Chase themselves stole it. When I filed a claim, Chase said to me : " They issued me a 'Perfect, Flawless, and Unique '' debit card that is literally " perfect '' and can not be reproduced or make any errors '' so they blame me for making XXXX+ withdrawals even though I absolutely did not such thing, and gave my information to no one. Either Chase is lying about how perfect the card they gave me and someone copied it from somewhere or Chase themselves used my " perfect card '' themselves, after all since they claim my card could not be duplicated then that leaves them as the other other way my money, {$2000.00}, disappeared into thin air, they said. They also said I had to have made those withdrawals even though My boyfriend is a witness, and claims I was with him during one of the purchases. This is a SCAM Chase is using to either steal, or allow someone to steal all my money, get paid for it, and refuse to be accountable for any money they manage.
Product: Checking or savings account

Since I turned XXXX this year XX/XX/XXXX, my broker advised that I was required to start taking my disbursements from my XXXX IRA as required by law. and that I could have the funds deposited into my JP Morgan Chase checking account around XX/XX/XXXX. the  amount of {$1000.00}. My broker arranged the transfer of funds from XXXX to JP Morgan Chase. 

Here are the following events thereafter : After returning the paper work, I was unaware that the transfer of funds had gone through ; In XX/XX/XXXX, l followed up with my broker only to find out that the money was going into a Chase account # XXXX. My checking account number is XXXX. the ( XXXX ) was omitted when I completed the form as the ( XXXX with a bullit below the XXXX did n't look like a number ( XXXX ). I was later told the funny way the " XXXX '' is written is to separate the numbers in the computer. 
At that time, l followed up with my broker and found out that the money was going into a Chase account # XXXX. My checking account number is XXXX. the ( XXXX ) was omitted when I completed the form as it did n't look like a number ( XXXX ). since there was a large bullet under the XXXX ; I was later told the funny way the " XXXX '' is written is to separate the numbers in the computer. 

I have visited more than a dozen Chases ' office and after having them make me call their various department which I could have been holding to the most 4 hours and have been advised to go back to XXXX and have them recall the funds from Chase ; each time I told my broker that ; XXXX was unsuccessful in getting them to recall the money ; they recall one month ; the month of XX/XX/XXXX but have not recall the other months : I do n't know what to do I get the runaround from Chase after having left on hold for almost an hour each time. 

I feel that my account has been handled poorly not professionally for the following reasons : The matter at hand is very crucial to me.. I rely on my monthly IRA disbursements to meet my monthly budget The item has been going on since XX/XX/XXXX and it is almost XX/XX/XXXX. 
There has been conflicting information regarding whether the disbursement transfer was accurately delivered. 
With the numerous financial institutions hacking, Chase, XXXX, XXXX, numerous and with so many security measures undertaken to detect fraud. That there were no security measures on my disbursement is negligible If the disbursement information, my name, my routing number and an account with the first number missing was verified by Chase this would not have happened. 

Enclosed are the following information between XXXX and Chase for the return of my funds : Emails are enclosed as follows : XX/XX/XXXX chase acepted only 1 disupte (  XX/XX/XXXX {$1000.00} ) the other disputes were denied by Chase with no reason given XX/XX/XXXX email from XXXX regarding stating that Chase was blaming XXXX that they did not do the recall properly XX/XX/XXXX email Chase advising XXXX that their policy is not to match EFT connections by namei XX/XX/XXXX ; Chase is saying that the funds will not be returned ; because of non sufficient funds in the client account ; case is now closed
Product: Credit reporting or other personal consumer reports

Credit acceptance has been destroying my credit for the last XXXX  of years. It is currently showing that I have a repossession for {$16000.00} but it is also showing that this debt has been written off and charged off. According to the IRS any debt over {$600.00} that has been written off and canceled the company must file a XXXX and also provide me a copy of that XXXX that says that the debt has been canceled and I no longer owe the debt. I have requested debt validation and a copy of the documentation of original documentation which I was never provided it has been well over XXXX XXXX but they still are reporting on my credit report I demand XXXX XXXX and Experian to delete the {$16000.00} off my credit report for the failure of providing me the documentation that I requested I also requested debt validation and copy of the documents and they were never mailed to me they were never emailed to me I was never provided with the documentation I requested I demand this be deleted immediately by the XXXX consumer bureaus XXXX XXXX XXXX and Experian immediately or I will take legal actions. I will sue for damages and the distress that it is causing me and my family especially when I'm trying to buy a home for the family I will take legal action within XXXX XXXX XXXX unless this has been deleted.
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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : US DEPT ED # XXXX Account name, AXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have sent Notice of Error to US Bank XX/XX/2023 Referencing : CFPB XXXX ( d ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, XXXX, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. 

No response from US Bank.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent rejection of my request to block fraudulent accounts that have been created under my name due to identity theft. I would like to appeal this decision and demand that these fraudulent accounts be promptly deleted to prevent any further damage to my financial and personal well-being. XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX XXXX Balance : $ - ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX was taken out of my wells Fargo checking account without my knowledge or Consent. I became aware on XXXX XXXX, I immediately notified my bank, Wells Fargo XXXX department of the theft, I made the complaint and was given a case number of XXXX I was told that the money would be put back into my account writin XXXX XXXX XXXX until an investigation /resolution was made. That never happened. I received a call from a XXXX in late XXXX or early XXXX I can't remember the exact date. The agent was XXXX XXXX XXXX XXXX I called back to Wells Fargo asked for a supervisor in the fraud departmen and i made a complaint,. I was told they would be back in contact and my money would be placed back into my account. that never happened nor did I receive a denial letter or any information regarding an investigation. I've been calling for months with no resolution so on XXXX XXXX I go to wells Fargo Bank to speak with a personal XXXX named XXXX XXXX XXXX XXXX XXXX ) who called the fraud department and was told that the money should have been put back into my account but someone dropped the ball. He's relaying this to me as their telling him what happened and why I hadn't gotten my XXXX XXXX XXXX  Put back into my account and STATED to me it would be in my account with in XXXX XXXX XXXXhat never happened. I returned to the XXXX  on XXXX XXXX I agine speak with the same banker XXXX XXXX he called back to the fraud department to assist me to see what had happened. this time he and I were told that on XXXX XXXX a new case was opened with the new case XXXX he told him that's not true the original case XXXX is why we called and he stated that he and I was told that the money would be put back into my account then we were told the claim was denied on XX/XX/XXXX and that a letter was sent out on XXXX XXXX this is unacceptable I've been trying to get my money from this fraud since XXXX XXXX they never investigate this o trusted this bank to protect me and they did nothing but allow someone to take funds out of my account without my permission and they did nothing for almost XXXX months I need help to fight this and get my XXXX XXXX XXXX  Put back into my account.