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

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 reported to be removed/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. 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!
Product: Checking or savings account

Date : XX/XX/year> Amounts : {$6500.00} Claim declined by the bank ( Wells Fargo ) Hi, CFPB : I am writing to formally express my dissatisfaction with the recent decision to decline my claim, referenced under number XXXX, which I submitted on XXXX, XXXX XXXX 
I have made the phone call every day since i know the result, every time i have to wait for one hour or even more to take to the agent, but they kept saying the same thing : '' the decision was final can't change. ", and they refused to say why the claim was declined. 
I checked the transaction date, they are both on the afternoon of XX/XX/year>, at that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is not possible for me to make any purchase, and the website is not a well known website. When such a large amount occurs in the card, Wells fargo should immediately send me a text or an email, but i never got them. 

You can call XXXX XXXX XXXXXXXX to see if i was there on XXXX XXXX. Restaurant phone number : XXXX Given this information, I respectfully request a re-evaluation of my claim. I would appreciate it if you could review the additional documentation provided and reconsider the decision made. If necessary, I am willing to discuss this matter further and provide any additional information required to facilitate a fair resolution. Please confirm receipt of this letter and the accompanying documents. I look forward to your prompt response and resolution of this matter. Should you require any further details or wish to discuss this in more depth, feel free to contact me at my email address i registered. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received notification from XXXX XXXX XXXX, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX that was first reported as delinquent on XX/XX/XXXX. 

I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from XXXX XXXX. 


I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. 

I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't. 

I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had. 
This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act. 

I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX, XXXX XXXX L XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted disputes for unknown inquiries on my report. They responded within 24 hours that the " Inquiries are a factual record of file access and will remain on the equifax credit file two years from the reported date of the inquiry. '' I would like to understand how they would be able to investigate and come to this conclusion in less than 24 hours. 15 U.S. Code 1681i ( A ) states : " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). '' I would not call this a reasonable and fair investigation. Failure to do this means that Equifax has broken the law.
Product: Credit reporting or other personal consumer reports

Equifax sold bought and traded my credit illegally.
Product: Credit card or prepaid card

Ive been a Bank of America   Customer for over ten years & this is the second time Ive had to file a complaint to get an issue resolved. One would think that they would value their customers more. On XX/XX/2021 I allowed my wife to use my credit card in the amount of {$5000.00} as a downpayment towards legal services with a company by the name of XXXX XXXX XXXX. The total amount due was $ XXXX that would be made in increments. She made an initial payment of $ XXXX and then another $ XXXX on XXXX the XXXX 2021. Payment would consist of services pertaining to tax restoration, tax filing, trust setup, legal documents & legal assistance. Once my wife got a court date the dynamics of the deal took a turn. We have come to find out these people are fraud and are not able to deliver on any of the above. The group consisted of four individuals. XXXX XXXX ( first contact ) was suppose to handle tax affairs. Her spouse XXXX XXXX was suppose to handle the trust. XXXX XXXX XXXX were suppose to handle legal affairs. XXXX informed me that she recently met the others and to stop paying because they were fraud and were not going to deliver on services paid for. I have attached a thread of text messages. No services have been rendered what so ever. These people are fraud and according to 15 use 78 they are in violation of liability for misleading statements and Bank of America is in violation of 15 usc 1666. I would like my fund returned to me immediately. Bank of America just decided to rule in favor of the crooks, they never even asked me for any proof. After speaking with bank of america they stated that merchant supplied 51 pages of proof for services rendered. The only information they could have supplied is the information I filled out on intuits website. These people are a fraud and cant possibly think I would ever try to do business with them ever again. case numbers for bank of america XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX and Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX 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

There are erroneous inquiries that I did not authorize on my Transunion credit report. I filed a police report, put a freeze on my Transunion report and a statement of fraud on my report and provided the police report to Transunion and they still have not removed the inquiries. 

I PREVIOUSLY FILED A COMPLAINT : XXXX Transunion 's response was that a dispute process had to be followed. 

I did all this previously and no action was taken by Transunion to delete the inquiries. File # XXXX in XXXX of 2019. 
A police report was filed, a fraud alert place on my credit report, and a case created with Transunion. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. 

According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. 


Thank you
Product: Debt collection

FAIR COLLECTIONS & OUTSOURCING and XXXX was notified on multiple dates letting them know the said amount of {$4000.00} was not my debt. 
In short, I did not enter into a binding agreement with the XXXX at XXXX XXXX and on numerous occasions have requested the information be removed from the credit report. A police report was submitted and referred to as fraud. I also submitted my identification card, social etc and a binding lease where I was residing when the fraud took place. 
I also mentioned that if their office persists in attempting to collect this debt and does not remove this from my credit report, I will have little choice but to file for a violation for the Fair Debt Collection Practices act and its XXXX XXXX I don't want to do so and would prefer to have this matter handled amicably, but their actions are affecting my credit causing hardship and putting myself and children at risk due to domestic violence which court documents was also provided to both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a computer programmer and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

XXXX is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took XXXX months to drop the stupid service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. XXXX XXXX and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership XXXX probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Those thing on my account is infecting my life. I do not wish to have them on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX  account is Fraud account XXXX XXXX XXXX  is mine debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXXt Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, have 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
Product: Money transfer, virtual currency, or money service

I was sent two fraudulent checks. The sender then requested money be sent via XXXX and scammed me out of {$1200.00} XXXX {$700.00} ) ( {$500.00} XXXX The sender has not responded to any communication and I am concerned they have access to my information. I have reached out to the seller via text and by phone, to no avail. 
I contacted JP Morgan Chase, I have had an account with them for over 15 years. At this point it feels like there has been no support or protection. I have never had an issue and I would think my bank would take into consideration and help me during a time someone took advantage of me. There has been no protection or indication of a follow up with me. I would like to get this case resolved as I am now at a disadvantage, even more so as we are in a pandemic. COVID-19 has had a severe impact on my finances and I have done my best to save when and where I can. Due to the nature of this, and severity of the situation, of which I am sure I am not the first victim, I am asking that we can file a XXXX Chargeback Claim or file a complaint with JP Morgan Chase.
Product: Debt collection

XXXX XXXX Transaction ending in XXXX on a credit card debt to XXXX XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX XX/XX/XXXX amt XXXX Account was sold to LVNV FUNDING LLC. I have been disputing this debt with the credit bureau in attempts of getting this off of my credit report. I finished paying the settlement over a year ago. I have also tried to get this resolved with the credit agency trying to collect the already pain debt.
Product: Credit card

My husband and I took a cruise with XXXX XX/XX/year>. I visited the spa for a massage. I signed a receipt for my service which was {$180.00}. I have the receipt. 
When we get home, I see XXXX has added another charge for {$260.00} from the spa. 
I went through the process of contacting the merchant through various emails with no assistance. I decide to open a dispute with capital one. 
They made me jump through many hoops, upload a ton of documentation ; they had me upload the same docs 3 times, and I provided all information including correspondence with the cruise line, and receipts for my purchases. After calling in 4 times to get a status on my claim, I finally asked for a supervisor. I was basically told that unless the merchant refunds, they can not help me. They noted that anytime you keep a card on file ; in this instance an onboard account for a cruise, that they will side with the merchant stating you gave them access to your card. This is the same scenario when you check into a hotel and keep a card on file for your stay. I asked them to have the merchant provide proof of this charge in question with a receipt that I signed, but they were not willing to do so. Apparently, your card can become free game to any merchant if something from another room is accidentally charged to you. As consumers, we believe using a credit card will be safer for transactions, and if we have fraudulent activity, our card company will be on our side and advocate for us and our money. That is clearly not the case with Cap one. The whole conversation was very alarming as you provide a credit card under many instances including cruises, hotels, rental cars, restaurants, etc. they basically said if you are overcharged, regardless of YOUR documentation, they will always side with the merchant.
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 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 XXXXXXXX has violated my rights. Or 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: Vehicle loan or lease

There is a letter from Ally on file from a unresolved previous dispute. This is follow up related to this unresolved complaint. Please follow up with Ally and accept this as a new complaint. There response is unacceptable. The company failed to acknowledge my previous phone calls starting in XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017. The company also failed to acknowledge that on the phone calls in XX/XX/2017 XX/XX/2017 XX/XX/2017 and XX/XX/2017 in which I advised and repeatedly told the various representatives which is documented at Ally that the dealer referenced as well as dealers I contacted that Ally has not listed in their letter, erroneously I might add flat out refused to take back the car. All of this was discussed on the aforementioned calls from XX/XX/2017 and on. The onus still falls on Ally. I made all good faith attempts to rectify this issue. This letter from Ally does not resolve this or acknowledges all my contact starting in XXXX of 2017. I made every attempt and going above and beyond to resolve. Yes Ally acknowledges XXXX XXXX XXXX however I noticed that they failed to mention that upon several attempts and messages this dealer would not accept the car. As well as the other dealers in the XXXX area which I contacted and advised Ally that I did contact with no result other than a refusal to take back the car. I gave Ally months to resolve this issue and Ally is not operating in good faith or in accurate and truthful ways. This is not resolved or by any means acceptable outcome. I wish that this matter is pursued and not closed erroneously or with proper follow up. This letter from Ally has a very big gap and appears to be clearly missing all my contact conversations and the letterers which were sent to Ally. They need to cease and desist on this account and accurately close it. I started in XX/XX/2017 they didn't resolve until XX/XX/2017 which is absolutely unacceptable. Please rectify this issue. I want all documentation from Ally. Not just the one call they acknowledged. There is a major gap and clearly by not showing all that documentation they are proving that they are hiding something and not accepting liability for their actions or lack of action I did all I could for months.
Product: Credit card or prepaid card

I am disappointed with the denial letter and an appealing it. You have done a bait and switch we me and other cardmembers that may have had issues during Covidshame on you. 
Unsatisfactory payment history? Really? Since XXXX I have only been delinquent when I asked you for payment arrangements at the beginning of XXXX when I was out of work other than that 94 % of payments on time. You did not clear the past due payment for 3 months, even though an arrangement was in place. You caused the multiple delinquencies! 
Called in XX/XX/XXXX when I knew I could not make my payment. 
Enrolled in program XX/XX/XXXX Was XXXX payment delinquent! 
XXXX XXXX shows auto pay, but still delinquent for XXXX payment XXXX XXXX shows auto pay, but still delinquent XXXX payment XXXX XXXX shows current payment and auto pay. You made a change to bring the account current. You did that. 
You are also the only creditor that permanently closed my credit line when I asked for payment arrangements. None of the others did that. Also, I was running balances on the XXXX XXXX and XXXX accounts at the same time, and they were never delinquent! So, your denial reason of Unsatisfactory Payment history with Synchrony Bank is bogus. 
I enjoy shopping and XXXX and would hope that they are aware of your awful customer unfriendly credit practices. They lose customer spend when you do this. 
Please reconsider my request for a card. Which should be a reinstatement, not new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have court documents saying rcwiley to be removed in negative credit report and one credit report is refusing to remove.