23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX XXXX XXXX aka Certegy and XXXXXXXX XXXX XXXX! Not only did they steal {$25.00} fraudulently from my XXXX checking account under the name of XXXXXXXX XXXX  XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, presented it a second time, then a week later Certegy steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and XXXX XXXX!!! They told the CFPB they did not receive this fee and had resolved all on their end, XXXX XXXX XXXX!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank XXXX XXXX  which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from Certegy  showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL  that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by XXXX or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Debt collection

XXXX XXXX XXXX Account-XXXX XXXX XXXX XXXX has Not Provided Validation information under 12CFR-1006-34 ( b ) ( 5 ) But yet they placed a Collection on my Consumer Report. I Have Not been given the chance to dispute this account according to 12 CFR 1006-34 ( c ) ( 4 ) ( l ) XXXX XXXX is Violating My Comsumer Rights by Using False Misleading, Misrepresentation and Decaptive means XXXX XXXX has No Authority to furnish an account to consumer Reporting agencies without providing any and all disclosure by law and they are in Clear Violations of 12CFR 1006-34 ( d ) and 15USC 1681-5 2 ( 7 ) ( a )
Product: Mortgage

I called Atlantic Union Bank on XX/XX/2023 to ask how to adjust my monthly mortgage recurring payment online. I was asked several questions by the operator and then he put me on hold and never came back. 

I ultimately figured out how to adjust the payments myself online and hung up. 

However, I have asked to receive electronic statements and Atlantic Union Bank refuses to offer them. 

They know I, like many people, don't read my paper mail regularly. So, when my monthly payment increased by {$18.00} because of an increase in property taxes and escrow payments, I did not know the recurring payment I had scheduled for the 12 previous months was no longer correct. I was not aware until I got a call from the company 's debt collection service. Thankfully, they waived the late fee ( {$130.00} ) this time.
Product: Debt collection

I recently discovered today which is XX/XX/XXXX that I have a credit collections bill from a medical bill that was issued in XX/XX/XXXX with a balance of XXXX dollars.I discovered this by checking on my XXXX XXXX. I called the credit collections ( amcol XXXX sc ) and spoke to customer service said they have called which they have n't. I never received a bill in the mail by collections or XXXX XXXX in regards of having a overdue bill. I called the XXXX XXXX in XXXX north Carolina billing department to see the details of bill, the lady on the phone could not give me any information because the bill was 3 years ago. So I decided to call the head of billing and they said they would mail me the billing information that would come in a day or two.but I am certain that I have already paid the ramander of the bill since I did not have insurance at the time. I want to make sure everything is right before I have to pay for something I already taken care of years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent names and addresses on my credit report. I sent letters to XXXX, XXXX, and Transunion to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXXXXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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 writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late.

Bank Processing Error : There was an internal error at XXXX XXXX  that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXX XXXX  acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXX XXXX  immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXX XXXX  as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was a BMO Harris Bank customer, and my account consistently maintained a positive balance. As a server, I made regular cash deposits to ensure the account stayed in good standing. However, in 2018, I faced a significant problem when my XXXX was hacked, leading to data and financial losses. When I noticed the compromise, I immediately contacted BMO Harris Bank and informed them of the situation. They locked me out of my account, but I later discovered unauthorized activity that occurred after I had been locked out. Despite multiple attempts to reach out for clarification and resolution, I was unable to dispute the activity or get in touch with someone who could assist me. This situation had a severe impact on my credit, financial stability, and overall peace of mind. I want to emphasize that I was not the one responsible for this fraudulent activity. I had robust security measures in place, such as Face ID and frequent password changes, to protect my account.Now, years later, I have become more knowledgeable about securing my devices and financial information. However, I remain dissatisfied and disappointed with how BMO Harris Bank handled this incident. They not only locked me out of my account but also failed to provide the necessary support and resolution.I am requesting a thorough review of this case, the reopening of my account, and the reimbursement of funds lost due to this incident. I hope this matter can be addressed promptly, as it has had a lasting negative impact on my financial well-being.Please let me know if you need any additional information or documentation regarding this situation.
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries have been opened fraudulently and without my knowledge or consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. These accounts and inquires are direct result of my info being compromised and used for fraud. My credit as a result is in ruins and I can not secure anything in my name with these items on my report. Could you please more in depth at these accounts and inquires and get them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage servicer ditech paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow. ditech took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit. ditech readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX  ditech paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse ditech the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with ditech. the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P &amp; I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX  ) the money " held in escrow '' should have been reflected as P &amp; I and my credit needs to be corrected.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I 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 account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. thank you
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 XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

I have called Afglo to settle my debt in full. They sent me a letter of the arranged amount and paid it in the bank. I then sent a copy of the receipt of payment and called them to report it. I spoke to a representative named XXXX who told me that the release letter will be sent in my email within 24-48 hours. 2 days later its still isnt sent, I followed up again and he said to wait another 2 days. I called again today and he said to wait until it comes as its covid and they dont have enough staff. Not even empathetic or apologetic about what happened and said he doesnt have time to talk to me about it as it doesnt matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on my credit report through Equifax in XXXX and have yet to hear the results. By law I must be notified in 30 days or disputed information is removed. Disputed information still on my credit report and no notification or response from Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom may concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate. 
You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX XXXX : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 


XXXX XXXX XXXX : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is closed, but is reporting a XXXX  day Late payment. Update to XXXX paid as agreed and never late, OnTime. 

XXXX : XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately! 



15 U.S.C 1681 section 602 A : Clearly states that 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. 

15 U.S.C 1666 B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Remove the late payments from the accounts above as demanded, and remove the other two accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX  in the amount of {$640.00} for a total of 4 late payments reported the months of XXXX, XXXX, XXXX, and XXXX of 2022. 

As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX in the amount of {$940.00} for a total of 5 late payments reported the months of XXXX, XXXX, XXXX, XXXX and XXXX of 2022.
Product: Student loan

They have failed to work with me period. I cant afford the payments and all i get is threats and no help. They are naveint
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I reached out to Experian to have information related to XXXX XXXX removed from my credit report XXXX XX/XX/XXXX ). In early XX/XX/XXXX, I noticed that this information was reinserted, but I didn't receive written notification from Experian prior to this information being reinserted into my credit report. 

I've sent XXXX letters to Experian regarding this issue ; today I sent a XXXX informing them that they are in violation by reinserting this information without providing me with written notice before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late. I paid my first and second payment through my bank. Ally started calling me in XXXX along with letters demanding a XXXX XXXX even though my payment cleared my bank. I have paid every month up to date. Ally ordered a repossession of my vehicle unless I paid cash through a XXXX XXXX. They took my XXXX  to an Auction Site in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. Ally keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. 

This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to a quick update of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # XXXX DPT EDXXXX, # 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