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

My account with the company and i was never late! I have had exceptional payment history with this company and 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 in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB complaint for the Credit Bureaus to correct or remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. Please investigate and correct the following accounts : XXXX XXXX Balance Owed : {$11000.00} SELF / LEAD XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this XXXX account. This was not me. I have included a fraud report.
Product: Credit reporting or other personal consumer reports

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 
1022.21 Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, Capital one bank is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

Capital one is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report. 

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. 
See attched credit report for inaccuracies on all XXXX reports.
Product: Credit card or prepaid card

I recently requested a refund of my credit balance and I was told that a check will be mailed to me. I had previously used XXXX 's bill pay services and used linked banks to pay the balance. I received a letter today, XX/XX/2018, saying my credit balance of {$2300.00} was sent to " the financial institution where the most recent payments were withdrawn. '' I call to find out where the money went and I was told most likely XXXX bill pay services since that is where the most recent payments were made. 

I went to check with XXXX. They have never received such refund and I also checked all the linked bank accounts, none has received the refund. 

I request further investigation and documentation on where my refund has been sent and received so I can track it down.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my credit report updated and dropped about XXXX points. I went to see what changed and noticed that Affirm.com had changed my XXXX and XXXX months on my report to charged off and my payment history went from perfect to I now have XXXX accounts that I paid XXXX or more days late. I have never paid those accounts late. I filed for Bankruptcy on XX/XX/XXXX ( from a XXXX debt, that I was unaware of until it was too late ). Once I filed for Bankruptcy, Affirm had removed all the accounts for payment off of my app. I never missed any payments prior to that. To my understanding things can not be reported negatively after I file or labeled negatively with XXXX XXXX. This hurts my credit terribly the other accounts that were open prior to filing and closed in result of it still show never paid late just closed due to bankruptcy. I disputed the reporting charges but the remain unchanged.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX bank of america has charged my credit card account to XXXX.I do not owe B of A XXXX.they say they revoked my previous fraud award monioes this year XXXX.for some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXXhe originally tried to purchase the 3 days of XXXX with XXXX which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for XXXX XXXX XXXX XXXX which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX. i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.
Product: Consumer Loan

Nonstop calls. I probably receive 3-5 calls a day from them with a blocked id. I blocked all visible numbers on my phone, which consisted of probably XXXX numbers so now they are using the blocked id numbers, which I ca n't block. I answered once and asked them to remove me but that did n't help in the slightest. No idea how to stop them.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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. 

XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I AM WRITING THIS FTC AFFIDAVIT IN REGARD TO THE FOLLOWING FRAUDULENT ACCOUNTS THAT HAVE BEEN DEEMED AND ASSOCIATED WITH IDENTITY THEFT. ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX  ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX IN ACCORDANCE WITH THE FCRA SECTION 605B THESE FRAUDULENT ACCOUNTS ARE CURRENTLY REPORTING ON MY FICO CREDIT CONSUMER REPORTS WHICH IS IN FACT ASSOCIATED WITH IDENTITY THEFT. I AM MANDATING AND DEMANDING THE FRAUDULENT ACCOUNTS SHALL BE REMOVED AND TO BE PERMANENTLY BLOCKED FROM MY CONSUMER REPORTS WITHIN 4 BUSINESS DAYS IN ACCORDANCE WITH THE FCRA AND FDCPA.
Product: Checking or savings account

They decided to close my account for no reason with money and now they saying that i dont have money in my account so they stealing my money they told me go to the branch and when i go to the branch they said call the costumer service
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX  XXXX Please update ASAP.
Product: Bank account or service

For the past month, Wells Fargo has been unwilling to send/transfer money from my IRA account to XXXX XXXX XXXX XXXX for Single Premium Annuity product I purchased. I have provided them with the necessary paperwork and have visited the XXXX, GA branch on two different occasions to resolve this matter. The personal banker has sent the requested paperwork interoffice and I over-nighted the same paperwork. I received a call from the XXXX, GA branch on XXXX/XXXX/2016 and was told the IRA department has not received the paperwork. I have a 30+ year relationship at this bank. I ca n't understand why this process is taking so long.
Product: Credit reporting

On several attempts I have reached out to this company in regards to inaccurate information on my credit report. I have sent company ( XXXX XXXX ) 3 certified letters advising them to provide proof of said debt as this does not belong to me! Company has refused to respond and provide proof and refused to remove this incorrect information from my credit report! I reached out to Transunion to obtain proof that his debt was verified as belonging to me and they have also failed to provide me with the proper documents of this debt.
Product: Credit card or prepaid card

American Express Serve, missing refund of {$170.00} Details : XXXX XXXX, Order # XXXX, {$170.00}, I placed this order over the phone because their online system was not functioning properly. The agent was nice, however, evidently, not efficient. Despite the fact that we read descriptions to assure I was getting the correct items and I emailed customer service in an effort to assure correctness, nothing I ordered was ever received. 
On XX/XX/XXXX and XX/XX/2020, I contacted both XXXX XXXX and American Express to report that I did not receive the merchandise as guaranteed. Having purchase protection insurance, I was guaranteed that my funds ( {$170.00} which was in HOLD status ) would not be released. Unfortunately, on XX/XX/XXXX, the funds were still released. 
For several weeks, I fought this battle and was told by both Amex and XXXX XXXX that a refund was being generated. XXXX XXXX stated that they made a refund request on both XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX request was made on official dispute paperwork that I generated. On XX/XX/XXXX, a deadline for completion given by Amex representatives, I once again called and was told the lie that XXXX XXXX had not responded. XXXX XXXX was contacted once again : they validated the fact that they processed a credit to my account on XX/XX/2020. To date, XX/XX/2020, my refund has not been received and Amex continues to make excuses. 
***During this process, I have run into 3 CV others vfc who have had similar issues, one of whom said it took American Express many months to return funds. This practice appears to be blatantly dishonest. If a consumer owed Amex money, they would be charged a service fees and interest. All of us who have had money stolen/lost by Amex should be compensated for the time our money is missing from our accounts
Product: Debt collection

My employer has been repeatedly been contacted by The CBE Group , INC, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX regarding an alleged debt. My employer, and i have both requested this company cease and desist, however this company continues to call. I sent notification via Certified mail, as well as regular USPS. I am not only disputing the alleged debt, but I am also requesting this company terminate their attempts at contacting my employer.
Product: Credit reporting or other personal consumer reports

I have no idea about a collection account that appears on my credit file. I wrote the collection agency a letter demanding proof of what they were collecting and reporting. This was over 60 days ago and they have just ignored the letter and continued to report wrong data to my credit files.
Product: Credit card or prepaid card

Hello, My wife and I researched credit cards after we got married to move from individual to joint financials. We found the American Express Blue Cash Preferred Card online and deemed it to be the best suited for out needs. The promotion at the time was 6 % back at U.S. Supermakets ( up to {$360.00} a year ), 3 % can back at U.S. gas stations and 1 % everywhere else. The card is normally a {$95.00} annual fee but this particular promotion, on the American Express website, was 1st year free plus a {$200.00} statement credit after the first {$1000.00} of purchases. We applied for the card and were approved. We were thensubsequently charged the {$95.00} for the 1st year membership. We both have called numerous times about the charge requesting the reimbursement. The first call resulted in them opening up a review that took 6+ weeks, we received no call, and they closed it without resolution. After 8 weeks and two statements, and no {$95.00} credit, I called back. This time I spoke with a manager who worked with me on the phone to clarify and find the actual promotion they posted on their website. At first she claimed that no promotion ever existed. They magically, she found it, and confirmed it ran for almost 4 months on their website. She provided me the offer code and confirmed that we did in fact apply during the promo period and that I would receive the {$95.00} credit in 6 weeks. We are now around 7-8 weeks later and still no credit. The promo code I was given is : XXXX Sadly, for Amex, I acutally took a screen shot of the offer as well! Which clearly shows the promotion and terms for the card that we not only applied for but were also approved. 

I have called roughly 5 times and have been given nothing but more delays, empty promises of return phone calls and credits that never happen. This is unacceptable. If you aren't going to follow thru with your promotions they should not be offered. And if you aren't going to follow thru on your own accord, you should definitely do it after someone calls and you confirm as a company you are in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has placed my credit file in the Consumer Affairs. 
I have no idea why I can not view my credit report through any monitoring services. There are other fraudulent accounts that are on my credit file the company refuse to remove or block. They are not complying with the FTC law. The account is XXXX XXXX.
Product: Debt collection

Since I did not receive a final bill from Financial Asset Management Systems , Inc., since XX/XX/XXXX, I decided to contact them about my collection account with them since I was under the impression that I was almost finish paying XXXX in full. Next, I contacted FAMS to confirm my payment history and their representative confirmed my payment history of 21 payments out of the 31 payments that I have made thus far. In XXXX, one of the bills that I generated from XXXX XXXX XXXX in XX/XX/XXXX in the amount of {$250.00}. I contacted XXXX XXXX to resolve the issue because I was told initially that {$60.00} would cover everything. Then within 30 days I received surprised multiple bills from XXXX XXXX XXXX. That issue was never resolved. Then I decided to make arrangements for {$10.00} which I have made. During the inquiry, I discovered that my payments were not being properly posted to my collection account with FAMS. After, I brought FAMS accounting errors to their attention then they decided to close the account and send it back to XXXX XXXX XXXX XXXX. Therefore, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX XXXX XXXX, and she provided confirmation that I made 24 payments and stated that FAMS send them the payments every 2 to 3 months. However, both companies are violating the Fair Debt Collection Practice Act when they are intentionally collecting an amount greater than I owe. From my perspective all accounts should be verified when they are sold or received. Also, consumers should be provided a receipt of their new and final balance before and after paying their final bill. Consumers should not have to do collection agencies accounting discrepancies. 

In addition, the way both companies posted my monthly payments made it appear, as if, I am in the rear when I am not. For example, the dates of the money orders are for that particular month, and they should not be carried over to another month. Instead, they are just posting my payments, and some of the payments are not in sequential order with those dates on the money orders that have been posted to my account. As a consumer, I find it very odd that both companies would implement the same practices and refuse to forward payments over to the collection company that they hired. Also, this is a clear indication that the billing information is not properly verified, and names or detailed notes are not kept on accounts for verification. 

To resolve this issue, I am requesting that these practices be fully investigated so this can be prevented from happening to someone else and my overpayments to FAM. 

I have attached some of the communications between XXXX to XXXX and their contact information is on their bills and communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX MS XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Checking or savings account

1 ) On XX/XX/2021 i opened a checking account without monthly fees and {$250.00} promotion bonus if {$1000.00} per month of any direct deposit was made for 3 consecutive months. Although i complied with their terms ( i attach the promotion page ) i never received the {$250.00} bonus. Since then i met few people who opened a checking account with Bank of the West during that promotion period and still they waiting for their {$250.00} bonus. This is typical " bait and rip off '' tactic. 2 ) XX/XX/2021 i disputed few unothorized/fraudulent items total amount of {$360.00} and employee that i filed the dispute with over the phone told me that the investigation will take 3 months. After few days XX/XX/2021 i received by mail their completed/Bogus investigation denying my claim ( i attach a copy ).
Product: Checking or savings account

Signed up for Kabbage checking account offering a {$300.00} cash bonus if terms are met. Met the terms of the promotion. Account was then locked for security reasons for several weeks. After hours and hours on hold I finally got Kabbage to unlock the account and confirm that I met the terms of the {$300.00} cash bonus. Said that due to an " error '' the {$300.00} would need to manually credited. 

The bonus has still not been applied to the account and I'm afraid to use the checking account because it was locked for no reason. I can not get anybody in customer service to respond to me either by email or by phone. When I call the phone, I wait on hold for 30-60 minutes and then am automatically disconnected. This is the worst, most disorganize, most understaffed bank I've ever dealt with. Give me the {$300.00} bonus I am due, per your own promotion terms. 

This promotion is STILL BEING ACTIVELY ADVERTISED HERE : https : //www.kabbage.com/checking/
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to get my credit file pursuant to 15 USC 1681a ( a ) ( g ) in 2021 and i still have not received it.
Product: Credit reporting or other personal consumer reports

Sent dispute letters to LexisNexis from the credit report they sent me for inaccurate information, and they responded with a letter stating they cant process the request at this time '' When i called them and spoke with them on the phone, they stated, " They can't find the information i am disputing, therefore, can't process my disputes '' They found the information while talking on the phone.
Product: Debt collection

Good afternoon, I was reaching out in hopes that you might be able to assist me. I have recently received notification that a new collection item was added to my Credit Report. XXXX of 2023 not by anyone reaching out to me or sending me any information but by an XXXX credit alert. Upon looking into it, it said XXXX was the original company. I have not had XXXX since I was about XXXX I am now XXXX so I was unsure of where it came from. I have called XXXX and filed a fraud claim to which they responded it was correct and not fraudulent. I was not satisfied with that because I have not gone into collections for XXXX so I started investigating and found that multiple people were going through the same issue as I was. And that is why Im reaching out today in hopes of some assistance as this is really affecting my credit score. Thank you and have a nice day. The amount reported was XXXX and I havent purchased anything from XXXX at all and especially not for that amount. Have reached out to XXXX and they can not provide me any information just keep referring me back to Jefferson capital which is the collection agency. They want to settle with me for {$900.00} but I dont want to pay for a debt thats not mine. But this really is affecting my credit score. So please help me out.