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

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The 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 accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> .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 paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit card or prepaid card

When I log into the Chase.com website to make a payment and I dont have a payment due yet, it will not let me make a payment on one account at all. On the other account it would only let me make the minimum payment amount and not more so I end up paying more interest. I have 2 different accounts with Chase. One is closed and I am making payments to pay it off. The other one is open and it wont let me make a payment. I spoke to 2 different people today and the second one said that she knows that lots of people are having this problem and the solution is to make the minimum payment and then pay more a second time. But I dont have a minimum payment due so I cant make any payments at all. So if I have to wait until a minimum payment is due then it costs me more interest. The woman said that she will file a complaint with Chase but she also said that she has seen this problem for the last several months. Is this a scheme of Chases to get more interest out of their customers? They dont seem to interested in solving the problem since the woman I spoke to said she has been having this complaint for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal law requires the Trans Union credit bureau to reply within the statutory time frame, but they have yet to do so. Failure to comply with the request should result in the items in question being deleted immediately. 
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 

XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX,
Product: Debt collection

I have been harassed by the collection company called Pressler & Pressler. I am a retired and XXXX person whos only income comes from my XXXX XXXX XXXX and XXXX XXXX XXXX. My checks were not direct deposited, therefore my bank allowed my account to try to be levied by Pressler and Pressler in XXXX XXXX. Funds were frozen, but I provided documentation as proof of my income and the levy was lifted. My funds were returned and notes were taken so this matter would not surface again. Since then, and as of today XXXX/XXXX/XXXX I have been receiving phone calls from Pressler and Pressler asking if I can make monthly payments. I explained to them that my income is exempt and that I am on a fixed budget at the moment. I also offered to settle both accounts ( I have two with them ) and offered an amount, which they did not accept. I am a XXXX person and these calls are disrupting me. I would like for Pressler and Pressler to cease and desist. I need them to stop calling my house. Any help in this matter will be greatly appreciated.
Product: Checking or savings account

Wells Fargo has sent me a carbon-copy response on why they will not return funds from fraudulent transactions to my account. It is beyond frustrating how corrupt this institution is. Nearly 3 months into this situation and it has yet to be resolved. They have lied in their responses and when I've brought up countervailing evidence, they do not even address it. The executive office that is making this decision is filled with heartless, greedy individuals who want to take advantage of a young customer. I have done everything in my power to seek a resolution to this issue. They are a multi-billion-dollar organization with millions ensured to protect individuals in my situation, yet they still get so uptight over less than {$6000.00} of fraudulent transactions. They are in blatant violation of Regulation E, and I can not believe that they are being allowed to get away with this. I can not afford to take a hit this bad in these economic times. I am an honest worker who's recently paid off my student loans and needs these funds returned to my account immediately. Wells Fargo continues to ignore the law, tacitly admits it does not care about its customers ' wellbeing or safety and is performing a scam the likes of which I have never witnessed before. I am sending a letter to the Office of the Comptroller of the Currency head XXXX XXXX to explain that this institution is blatantly violating the law and their predatory practices on unsuspecting customers. This is outrageous and it is beyond the point of incompetence ; it is malicious. I am seeking the immediate return of the {$5700.00} that is rightfully mine back to my checking account. I will not stop until that is the final resolution. They can not be allowed to get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my credit report that is no longer owed to the original creditor. I have submitted written disputes several times directly to the credit bureau, but Equifax has not made efforts to correct the inaccurate information. The debt with the original creditor ( XXXX XXXX XXXX XXXX ) of {$18000.00} was transferred as of XX/XX/2018 per XXXX 's statements to me. Despite XXXX stating they no longer have the account, they have continued to report 90+ Days Late day delinquencies and the full balance of {$18000.00} as due for 39, going on 40 months now, after they have no longer owned the debt. I do not know who owns the debt. XXXX says the collection company does ; however, they continue to report to the credit bureaus that I owe them directly. I can not and do not owe the same debt twice to both XXXX and a collection company. My written disputes have not been responded to by XXXX or Equifax. They have been submitted numerous times over the past several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute for three unauthorized inquiries with Equifax via myEquifax.com. Was informed on XX/XX/2020, only 2 days later that my dispute was ready. To my disbelief my dispute was denied. I have been dealing with identity theft problems for the past 3 years and Equifax is well aware of this. As a result of Equifax denying my dispute and only taking two days to investigate I have filed an Identity Theft Report. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b, Credit Report, Drivers License, and Social Security Card.
Product: Credit reporting

Old Debt ... that should be off of my account. Charged fees when I travel abroad. I was hit with excessive fees. When My phone was unable to be of use. I had no cell service when I traveled abroad but was charge cell phone fees when I returned to the states.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ate at these restaurants and left a tip, my brother works at both places and he stated that the tip I left on the card they did not get. I did file a complaint today with the company
Product: Checking or savings account

Tried another bank company was verifying the ownership of my acct with capital one and it said that they as well as I was blocked from accessing my own acct with capital one
Product: Debt collection

Letter dated XX/XX/2020 states I have a debt to XXXX, XXXX sent to American Coradius International, LLC to collect. I logged into the site provided with the ACI reference number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent XXXX account. I should not be responsible for this.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I submitted complaint XXXX detailing incorrect information on my credit report : after transfer of loans from Nelnet to XXXX, Nelnet had not furnished updated student loan information to CRAs, thereby making my student loan debt appear double what it is. 

In response, Nelnet stated the information had not been furnished, given the transfer led the Department of Education to apply a suppression on my account. The final response from Nelnet further stated " When we receive direction from ED to remove the suppression we will furnish data reflecting that your account has a {$0.00} balance. '' The account balance continues to be incorrect on my credit report.
Product: Checking or savings account

MTB advertised a {$400.00} publicly available sign up bonus for their MyChecking product. I saw that advertisement and followed the steps to set up a new checking account. The terms required I set up direct deposit and deposit {$1000.00}, which I immediately followed. I also was subject to high average balance requirements and monthly fees and informed per the terms I must keep the account open at least XXXX months to avoid the bonus being rescinded. XXXX days after satisfying the terms I have not received the bonus. Upon inquiry, the customer service rep informed me that the bonus is a special non-transferrable promotion, but that does not make sense because MTB 's own website promoted the {$400.00} bonus.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX THE HOME DEPOT/CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ACCT # : XXXX. 

NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL Dear THE HOME DEPOT/CITIBANK , I trust this letter finds you well. I am writing to formally dispute the presence of late payments reported by your organization on my credit report. I believe these late payments to be inaccurate and unjust, and I kindly request their removal in accordance with applicable laws and regulations. 

The late payments in question are associated with the following account : Account Information : THE HOME DEPOT Account Number : XXXX 
Date ( s ) of Late Payment ( s ) : XX/XX/XXXX I wish to emphasize my commitment to fair and accurate credit reporting. These late payments have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. 

It is my understanding that your organization has a responsibility to report accurate information to the Credit Reporting Agencies Given my belief that these late payments are not reflective of my payment history, I hereby request their removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial costs and fees for both parties. 

Therefore, I purpose the following options for resolution : Option 1 : Delete Late Payment I kindly request that your organization promptly remove the late payments from my credit report, therefore rectifying the inaccuracies and ensuring my credit history is accurately represented. 

Option 2 : Initiate Arbitration Should your organization prefer NOT to remove the late payments, I am prepared to Initiate Arbitration Proceedings as allowed by our agreement. This process may entail substantial costs and fees, including MY filing fee, YOUR filing fee, Arbitration Initiation Fee, an Arbitrator Deposit, and any legal cost incurred during the Arbitration process. 

I firmly believe that an amicable resolution is in the best interests of both parties. However, I am fully prepared to pursue Arbitration should that be necessary to uphold my rights and ensure Fair Credit Reporting.

Please respond to this notice within 30 DAYS to confirm your willingness to remove the late payments or to express your intent to proceed with Arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter. 

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures Fair and Accurate Credit Reporting. 

Sincerely, BY : XXXX, XXXX For : XXXX XXXX WITHOUT RECOURSE
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I started a 6 month forbearance in XXXX XXXX which was to be in place with modified payments for XXXX XXXX at end of XXXX first of XXXX the bank closed my forbearance out without notification to me & reported my account past due. I filed a complaint after contacting them & being told they dont know why it was closed. They reopened my forbearance but still called me all the time to tell me my account was late & threaten legal action then when I pointed out I was already on forbearance they apologized and hung up. Around XX/XX/XXXX someone called me stating I was on list to call my plan ended I said no my plan runs until XXXX she reviewed apologizing and said I was correct I was on her list in error. I asked her to confirm because they removed me in error 1x already she confirmed and advised the had that happen to several customers so no they required signed form to remove plan. She advised she would send me info on how to submit for modification when I was ready. 10 days later I got 4 calls in one day about my account and when I was able to finally call them back I was told I owed 4 payments I wasnt in forbearance and I was mistaken if I thought I was my plan had ended and I needed to pay them XXXX immediately would I like withdraw from my account. After multiple transfers & managers I was told they didnt know why plan cancelled but it was so they would have to escalate. The same day I got multiple credit alerts that my score had dropped over XXXX XXXX due to being 90+ days past due on accounts. I received no notice of removal & I didnt ask to be removed in fact I asked the rep to confirm I was still on my plan when we spoke on XXXX which she did & I specifically stated Do Not Remove Me which is when she told me not to worry they cant without signed request. Nobody can tell me why I was removed or why they keep doing this but each time I was removed was when they paid something from my escrow account or changed my payment amount because of escrow change. I was told I could move escrow shortage to end of loan with payments from forbearance when I came off plan as well as apply for modification which was point of trial payment but since they removed me before I could apply I was never given opportunity. I believe they are actively trying to force a foreclosure on me because I owe far less then the property is worth in a highly desirable neighborhood. This process was supposed to prevent credit damage but now all my other creditors are using this false report of being delinquent as a reason to increase my rates to over 35 % without cause & lower my limits all of which reduce my score & cause further damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would just like the bank to keep you guys updated on my bank statement
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Multiple times sent monies in error and there was nothing banks could do to reverse and help me get my monies back no warnings and step process at all and no help from bank
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX is XX/XX/XXXXXXXX I'm writing this complaint in regards to a late payment on my credit report. An ex-spouse had opened a XXXX XXXX XXXX XXXX in my name & it turns out there had been two late payments in XXXX. The account has been paid in full & closed. I'm reaching out asking for the late payments to be removed from my credit report. I tried to resolve this issue previously. I have always been on time with payments & given that it has been almost 3 years & the account is paid off in full, I'm asking for a payment forgiveness & for the late payment to be off my credit report. I am open & willing to answer any questions. thank you for your time!