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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Also it is incorrectly reporting this account as well. Its reporting as Closed, paid, and open on all 3 Credit Bureaus.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX account number XXXX on XXXX , XXXX on Experian, XXXX on XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

MARCUS BANK will not let me speak to anyone to close my CD.

I call a representative and when they learn my issue they put me on hold until I am disconnected in 20 minutes or more. 

I am not able to accomplish the task online as the online system is setup to take you in a loop. If i go to CLOSE MY CD on the Marcus Bank web site it only gives the option to close the CD at the maturity date. 

Copied from their website below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Review and confirm update CD maturity updateClosing your CD Estimated balance at maturity {$50000.00} Transfer funds toXXXX  XXXX XXXX XXXX You can make updates any time until XXXX XXXX ET XX/XX/2023 ( the evening before your maturity date ). After this time, no more changes will be allowed. 

( i ) I authorize Goldman Sachs Bank USA to debit my account through an Electronic Fund Transfer for the amount shown above ; ( ii ) I verify I am an authorized signer on the account and agree that this transfer does not violate US laws; and ( iii ) I authorize Goldman Sachs Bank USA to initiate the transaction beginning on the XX/XX/2023 above for the amount indicated, pending no changes to my interest disbursement plan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This option above is the only option for closing my CD. There is no option to close my CD before maturity date. I have called 10 times and get hung up on. I have called other departments and representatives have said they are going to stay on the line with me until I get to the right department and get hung up on again. 

This is extremely scary. This seems like this is a FRAUDULENT WEBSITE. 
https : //www.marcus.comXXXX  Please help.
Product: Checking or savings account

On XX/XX/year> I recieved a deposit for {$300.00} from my employer, the account number was missing XXXX digit making it a no existing account it was getting deposited to. From XX/XX/year> up until today XX/XX/year> I have contacted ( Current ) at least XXXX  times via chat support, XXXX  times via XXXX, and XXXX via phone call, to have them return the funds to my employer so they could resend them to me, but all they keep saying is that, they never recieved the funds ( even though my employer has showed me receipts stating it was paid ) they keep saying the funds should be returned between XXXX days even though I've let them know it's been longer than that and it still hasn't been returned, and all they keep saying it's not their fault I put in the number incorrectly and that somehow my employer needs to fix it? Yet their establishment has my funds.
Product: Vehicle loan or lease

I have made payments that are not applied to my account. I was working with the company and sent numerous forms of proof several times. For 3 and 1/2 weeks no one would speak or help me. Then all of the sudden they started talking to me with no explanation on why they stopped. I have had to start over to prove my payments. This company is a disgrace. Not only are they charging me fees, they have put my account in collateral recovery. No one knows what they are doing at this company and they charge horrible interest and keep adding time and fees onto my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent them an email this morning with a cease and desist calling me and any of my family or associates telling me to call and verify my address and job with them and I have received nothing in the mail about an alleged debt and that theyre going to have me served within the next 24 hours. I also have sent them a certified letter stating that they need to cease contacting me or any of my associates and they called my parents, a work associate and my wife and left a voicemail on her phone just like they did yesterday
Product: Credit reporting 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 : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$690.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : {$18.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$9300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$5200.00} Account Name : TXXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : {$460.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$990.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

You Experian are reporting inaccurate information to my consumer report! 
The accounts XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX are inaccurate and the information is incomplete. These accounts are being disputed in its entirety. I have attached my credit report showing incomplete and inaccurate payment history. 

For XXXX XXXX XXXX : XXXX XXXX. How was the last payment date XX/XX/XXXX when the payment summary shows the account was paid on time in XXXX, XXXX and XXXX? This is a violation fix or delete. 

SEE DOCUMENTS ATTACHED For XXXX XXXX XXXX : XXXX XXXX is the account Paid off when the payment summary is showing the account was late XXXX, XXXX and XXXX, Who paid this off? This is a violation fix or delete. 
XXXX was the last payment date XX/XX/XXXX when the payment summary shows the account was paid on time in XX/XX/XXXX? This is a violation fix or delete. 


SEE DOCUMENTS ATTACHED You have an obligation by law pursuant 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Promptly Delete these inaccurate and incomplete accounts from my consumer report.
Product: Credit reporting or other personal consumer reports

in XXXX I contact Transunion Credit Reporting regarding inquiries that appeared on my credit report that I have no knowledge of. 

I was then informed that to contact the companies directly which I did the companies provided me with forms that needed to be mailed back into their organizations. 

After XXXX days from returning the forms to the companies : 1 ) 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 contacted TransUnion to follow-up with them regarding the matter and they advise me they would contact the companies regarding my dispute. 

Because Transunion Credit Reporting has failed to perform an investigation and provide me with the results of this investigation via US Postal Mail, I am requesting that these inquiries be removed from my personal credit report immediately. 

Failure to do so may result in preparation for legal action against Transunion. In the grounds they are in violation of the Fair Credit Reporting Act by not providing me with the result of the investigation that was discussed in XXXX. Please remove the inquires from my personal credit report immediately.
Product: Checking or savings account

On XX/XX/2022, my check was stolen by someone for {$5000.00}. I did not receive and use the check, but the thief took the check and withdrew the money. I want the Bank of America to compensate me for this money.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX called repeatedly before XXXX XXXX  on XXXX/XXXX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.
Product: Mortgage

I do not have an escrow account. Therefore, I pay my own property taxes. I paid my property taxes for the tax year of XXXX in full ( State of Illinois ) in XXXX of XXXX. I sent an email with the pdf from the XXXX XXXX which showed XXXX taxes due to the following emails addresses on XX/XX/XXXX - XXXX and XXXX. I requested written confirmation from Mr. Cooper that they received proof that my taxes for XXXX were paid in full. I was advised that I would receive a response in 5 to 7 business days. I never received a response. I contacted Mr. Cooper by Chat because it is impossible to reach a person at the company. The chat person was not able to confirm that Mr. Cooper received proof that I paid taxes. I re-sent the information again to both email address today w/ the same pdf from XXXX XXXX XXXX The chat person asked for 5 to 7 more days, but I do not believe I will get any response from Mr. Cooper without your help.
Product: Credit card or prepaid card

Someone on  XXXX  purchased my   XXXX   XXXX   XXXX   for {$1000.00} they sent me the payment on my PayPal prepaid card, I immediately emailed them the  XXXX  to Indonesia, it appears someone hacked into another persons paypal account to purchase my phone, since someone hacked into their system they do n't want to take the responsibility, so they are making me pay the {$1000.00} because I do n't have the tracking receipt, they are looking for an excuse, they also will not allow me to disconnect the link they have to my savings account and every couple days they try to take money out of my account for a refund to   XXXX   XXXX   for {$50.00} that they refuse to allow me to cancel transfer, they have caused me $   XXXX   days in overdraft fees to my savings account
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds, when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Currently, an account that has been paid in full and closed continues to report late payments, unfairly affecting my credit score. 

Below is the information for the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Full Payment : XX/XX/year> Account Closing Date : XX/XX/year> Although I recognize that there have been late payments in the past, the account has now been fully paid and closed. Since the debt has been settled, I request the removal of the negative reports associated with this account, as they no longer reflect my current financial situation and unfairly affect my credit. 

I am attaching the following documents in support of my dispute : Proof of full payment of the account. 
Copy of my credit report, which shows the negative status of the account. 
I request that the CFPB investigate this situation and, if it finds merit, order the removal of the negative records from my credit history. I look forward to a resolution in accordance with current regulations within the appropriate time frame. 

I appreciate your prompt attention to this matter and remain available to provide any additional information.
Product: Checking or savings account

At the First Interstate bank in XXXX XXXX, XXXX, XXXX, I have a XXXX  savings account. While I'm away XXXX XXXX, I've been trying to manage my money carefully and only making transfers when necessary. I had {$1200.00} in my savings account on XX/XX/XXXX. They withdrew XXXX dollars on XX/XX/XXXX as a monthly service fee. When I called the bank, they informed me that I could only make six transactions in a month. I never saw any notice fees when I transferred money using the app. As an illustration, I would pay {$3.00} for parking, but they would charge {$10.00} or more for each transfer. These fees would have been unknown to me at the time of the money transfer.After speaking with the bank, I was given a XXXX dollar credit ; however, this still left me with an outrageous XXXX dollars in fees for the month. I won't have nearly enough money for food and necessary school supplies for the remainder of the school year as a result of this. I think this is incredibly unfair, and I had no idea that I was being charged these fees throughout the month.
Product: Debt collection

I was residing in an apartment building, which I then had to request a new apartment due to multiple sanitary conditions as well as appliance and other maintenance repairs not done upon my move in date. I was then reassigned to another apartment, which was not any better. 
However, during this short time, I did pay for the rent while I was there. I was then called upon by XXXX different emergencies. First my XXXX  was in need of full time care. I assisted her for some time until our family was able to find an appropriate agency for her needs. 
Second, I am a XXXX XXXX XXXX XXXX, and I was called to do a tour in XXXX. This was explained to the management of the complex. However, they replied with, wrong dates. 
I am respectfully requesting that this debtor be removed from my credit report. I have attempted to contact them as well as file a dispute, but I did not provide as much detail. Yet, I provided them with the medical documentation as well as a legal letter from my XXXX  XXXX XXXX.
Product: Debt collection

We have returned all equipment to XXXX XXXX. During the time we subscribed to their services between XXXX lightning had ran into our unit which they promptly replaced. The unit which was replaced was taken by the technician that fixed the problem. We have paid in full and returned all equipment. We have talked to them 3 times in the past 90 days to resolve the issue. The last lady we talked to said she did not see where anyone had put in a search for the item.
Product: Bank account or service

For quite some time USAA BANK has operated illegally with debit card issues, credit card issues, banking issues, checking account issues, savings account issues, WORST CUSTOMER SERVICE in the world and BAD FAITH INSURANCE ISSUES. They lie cheat and steal and overall are nothing more than immoral consumer haters.
Product: Student loan

XXXX XXXX bank reported an erroneous IRS Form XXXX, cancellation of partial amount of {$6100.00} as my private student loan. XXXX XXXX of IRS claimed that I owe an amount of {$2300.00} because of this cancellation. I have written explanation to IRS, I sent the XXXX bank receipts and all my payment but XXXX XXXX do not pay attention. She Advised me to submit to XXXX TAX Court. Since, I am an apprentice in my job, I fear losing my job by attending to a court case. My wife is not working, and I do not have any other resources to pay our family bills. I believe IRS and XXXX XXXX are unfair of putting me into this kind of predicament since, I am religiously and consistently paying my private student loan. How could a bank file a cancellation of loan, and not informing the borrower himself, and even the co-signor my mother, XXXX XXXX, did not get any copy of the said cancellation of {$6100.00}, my private student loan. XXXX Chase bank has close their business of student loan, they transferred the servicing to XXXX since, XXXX XXXX AES could not produced any evidence of cancellation. XXXX XXXX branch, XXXX XXXX XXXX XXXX, records were in chaos, since XX/XX/XXXX up to the present date. They provided me a lot of account numbers, even If I only applied for XXXX private student loan. Account # XXXX, is {$6100.00}, is the one cancelled. Account # XXXX is {$14000.00}, and Account # XXXX, is {$20000.00}, the loan total was {$20000.00}. I believe the employee of XXXX Chase Bank was not accurately recording my payment. Most payment was recorded under XXXX, there were very few payment recorded in XXXX, and all other payments were recorded in XXXX, and some payments were recorded under account # XXXX, and some were in account # XXXX I suspect that the reason XXXX XXXX filed a cancellation, and pick XXXX because there were only few payments reflected in this account number. It was the employee of XXXX Chase Bank who recorded my payment wherever she/he wish and whenever is convenient. A fact that I am stating here is, I have been constantly, religiously and perpetually paying my XXXX Student loan, how could XXXX bring me to an insurmountable problem with IRS. The IRS has been sending me a lot of threatening letters even if it has been pointed out, that their audit is an error or a mistake. XXXX XXXX of IRS XXXX XXXX XXXX XXXX XXXX. XXXX UT XXXX at telephone number ( XXXX ) XXXX, is just advising us to submit ourselves to U.S. Tax Court, even if she already received all my supporting documents and evidences about XXXX '' inches think of documents to convince her that her audit is in error. Her audit does not specify that this concerns is about my private student loan, and not just a normal ordinary amount of income. This is not an ordinary undeclared income for tax year XX/XX/XXXX, but a private student loan. Please help me I believe that your office is the most credible and prestigious organization who could help me and my family solve this unsurmountable problem with Internal Revenue Service. I was paying my private student on time, a complete amount due every month, and on the due date. Thank you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I called Equifax to inquire about and potentially dispute ( if needed ) the addition of a new collection This collection is medical in nature ( imaging that took place at a hospital, done for a XXXX XXXX  ). My XXXX XXXX XXXX failed to pay the bill for the imaging ( despite it being in my clinical trial paperwork and signed contract ) and it ended up being in collections. The sum is less than {$500.00} and is definitely medical, and from what I understand, anything with these characteristics should be able to be removed from the credit bureaus. I instead was told by a customer service representative however that even if paid, that will remain on my credit. This is counter to what I have read and understand to be true, which is that this collection should be removed entirely.