23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late a 60 day late payment with the Office of the Attorney General. However the account shows opened XX/XX/2017 and the payment history shows the 60 day late payment was the month before the account even opened! How is that possible. Besides I always paid my child support on time. The account can not be late even before it opened. This is ensane.
Product: Debt collection

I scheduled two payments online to pay {$250.00} each for my XXXX credit card. One was scheduled XX/XX/XXXX and one XX/XX/XXXX. Before these dates the credit card was discharged and my online access was revoked. I called XXXX credit services and was told that the payments would need to be resubmitted. That they were no longer on the account. I resubmitted the one payment for XX/XX/XXXX over the phone. As of XX/XX/XXXX I have now been charged {$250.00} 3 times. I was lied to regarding the scheduled online payments. They were still withdrawn from my account, as well as the one phone payment. I believe their actions to be intentional to receive more money.
Product: Credit reporting or other personal consumer reports

XXXX is not doing proper investigations i have had numerous investigations with little result with such simple things like personal information named spelled wrong address spelled wrong hard inquiries not authorized. 

1. Name ID # XXXX XXXX XXXX it shoukd be XXXX XXXX the i is missing 2. Address wrong Address # XXXX delete not a correct address listed twice the correct address is # XXXX XXXX. Address wrong Address # XXXX missing A delete not a correct address listed twice the correct address is # XXXX Never authorized any of these hard inquires XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX shouldnt be on my credit report any longer XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX shouldnt be on my credit report any longer on there twice XX/XX/XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XX/XX/XXXXXXXX XXXX XX/XX/XXXX should be on my credit report any longer Every single hard inquiries should be removed all are between XXXX and XXXX XXXX credit report is attached as proof and they are obviously not doing the job and XXXX should sue them and they are affectings people credit scores and not being responsible
Product: Credit card

I got the US Bank credit card for their rewards. They advertise 5 % cash back on certain categories. Cell phone bill being XXXX of them. Ive been paying my XXXX cell phone bill with that card. I happened to do the math and it was not making sense. I called them to ask about it and they said that XXXX was not registered with them as a cell phone provider. ( Everyone knows XXXX is a cell phone provider ) I spoke to a supervisor on XX/XX/year> and Destiny said there was nothing she could do. So, that is false advertisement. Go on their website and see for yourself. It says cell phones. It doesnt say, cell phone bills except XXXX. Or who knows what other companies they are not disclosing in their categories. =/
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Account number XXXX ) is fraudulent. Law Enforcement Report has been filed. Please remove this FRAUD account from my credit file immediately. A FRAUD ALERT has been placed on my file at my request after LATE PAYMENTS from this FRAUD ACCOUNT destroyed my credit.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Wells Fargo Bank for their dismissive response to my dispute and their gross negligence in assisting me to recover the funds lost due to fraudulent activity. 
Furthermore, I am appalled by the bank 's lack of proper due diligence that enabled a significant transfer for cryptocurrency purchase without adequate scrutiny into its legitimacy. 
I initiated a dispute concerning a transaction of {$170000.00} from my Wells Fargo Bank account to the entity " XXXX XXXX '' ( SCAM ) on XX/XX/. This transaction was undertaken without my authorization, and it subsequently became evident that " XXXX XXXX '' is a known fraudulent enterprise, preying on unsuspecting victims for financial gain. A warning issued by the Financial Commission further substantiates the illegitimacy of this entity, indicating a pattern of deception and fraud. 
Having been a dedicated and trusting customer of Wells Fargo Bank for an extended period, I have held an expectation of security and safeguarding of my transactions. The incident involving the transfer of a substantial sum to a fraudulent organization with minimal investigation is an alarming breach of the bank 's commitment to ensuring secure banking services. 
I demand Wells Fargo Bank to take immediate action in resolving this issue. The bank is obligated to refund the entire sum of {$170000.00} back into my account promptly. Furthermore, I insist that Wells Fargo Bank conduct a thorough and exhaustive investigation into the matter. The purpose of this inquiry should be to determine how such a transfer was permitted to occur without requisite scrutiny and to establish robust measures that prevent such incidents from recurring. 
It is the unequivocal responsibility of Wells Fargo Bank to protect its clientele from malicious financial activities. I urge the bank to treat this matter with utmost seriousness, addressing the issue earnestly to provide the full restitution of my funds. As a longstanding patron, I anticipate the bank to demonstrate transparency, dedication, and resolve in rectifying this situation. 
I implore your office to intervene in this matter and to ensure that Wells Fargo Bank undertakes the appropriate actions to retrieve my funds. I insist that the bank 's approach be proactive, comprehensive, and effective in preventing such episodes from arising in the future. 
Kindly apprise me of the status of my complaint and the ensuing actions taken by Wells Fargo Bank. 
Timely resolution and appropriate compensation are of the essence in this matter. 
I await your prompt response and a satisfactory resolution to this grave issue. 
Thank you for your immediate attention to this formal complaint.
Product: Credit reporting or other personal consumer reports

It is being reported that payments were made for dates that they were not causing this account to stay on my report longer than it should. I filed a dispute with the agency on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I supplied my account statement that was provided to me by the creditor on XX/XX/XXXX along with supporting email communications and my credit report ( highlighted differences between my account statement and my credit report ). After supplying all supporting evidence, a day or two later each time I received the same reply " Verified as accurate '' with no changes made and no information supplied to me on what measures were taken.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report despite confirmation from associated banks and valid identity theft documentation. The banks have assured over the phone to remove these accounts, yet they persist, indicating a failure to comply with the law. 
Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I placed a {$300.00} deposit payable to Flash Pack, a travel company, for a XXXX trip to XXXX XXXX that should have taken place in XX/XX/XXXX. On XX/XX/XXXX, I paid the remaining balance due of {$2400.00} for a total paid of {$2700.00}. These funds were paid with my Chase Visa Credit Card. Unfortunately due to COVID, the trip was cancelled. Then on XX/XX/XXXX I was informed that Flash Pack had unfortunately gone into administration ( bankruptcy ) and I was told by the Merchant ( Flash Pack ) that in order to get my money back I would need to dispute the charges with my credit card provider, I did so and Chase Visa credited my money back within 24 hours. However, in XX/XX/XXXX I was informed by Chase Visa that XXXX, the company that took over XXXX XXXX, disputed my refund and the charges again appeared due on my account. I have continued the dispute with Chase Visa since XX/XX/XXXX however they informed me as of today ( XX/XX/XXXX ) that Chase Visa is unwilling to refund my money since the charges occurred ' too long ago '. I am asking for this to be reviewed so I can finally be refunded the amount of money that I paid ( {$2700.00} ) for a service that was not provided after having been reassured that my funds would be reimbursed. According to the Fair Credit Billing Act it is my legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I only found out about the bankruptcy on XX/XX/XXXX but Chase Visa is refusing to refund me. I have attached the original T & Cs ( doc attached ) as evidence that I am not protected by any financial failure insurance as this was in place for XXXX / XXXX customers only.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed fradulent accounys on my credit reports.
Product: Debt collection

On XX/XX/XXXX, I spoke with a collections representative and set up a payment of {$310.00} to be auto debited from my checking account on the next day. This was after I attempted to make a payment online and was given an error. The arranged payment was never taken out and the company proceeded to call and call and call. I answered the call today and when I was informed that my payment had not been made, I inquired as to why not when I made an arrangement. I did not get a complete answer and I was told that I could make a payment today ( XX/XX/24 ) via phone. I had made another attempt to use the website and I was given an error. When I made the payment, I was charged a fee to make a payment by phone. I then requested to speak with someone about my inability to make an online payment. Upon speaking with someone ( XXXX ), I was informed that the site was down. I then asked that I either be reimbursed the {$3.00} fee I was charged to make a phone payment or be able to take it off my next payment. The agent said that it could not be done and if I chose to pay less than my monthly payment ( if I removed the {$3.00} ) then that would be on me. So I asked to speak with a manager and I was only rerouted to another collection agent ( I dont recall the name ), who placed me on hold and came back to tell me he inquired with someone and that the website was indeed not down. So after asking why I was unable to make the payment and if I could speak to a manager because of being given the run around and conflicting responses, the agent said he would transfer me again. At this point, I was frustrated and informed him of the bad business practices and that I would be reporting this company. He then wanted to try to talk to me and I said no, Im done, goodbye.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 3 fraudulent and unauthorized checking accounts listed on my Chex Systems Consumer ID Report : XXXX, The following Reported Information of account abuse or bad checking accounts are not my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I never opened a checking account with those banks. The checking account are fraudulent, unauthorized and not my accounts. I am a victim of identity and Chex Systems currently has a police report on file.
Product: Debt collection

There are several accounts reported on my credit report that I have disputed due to inaccuracy and failure to validate this debt as I requested. I contacted this company and requested them to validate their claim as well as the information I know to be incorrect that they are reporting on my credit files. The phone number listed on this account is invalid, and there is no way to contact them. This account was opened in 2007, and should not be listed on my account as a negative account with inaccurate information. They are continuously reported my accounts as bankruptcy when these accounts are not in bankruptcy. All of my loans have been consolidated with another lender. Being that they are not able to validate their claim or their information or given me the opportunity to dispute their claim is a violation of Federal Law
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 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.

NATIONS FIRST CAPITA 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: Mortgage

Ive been trying to contact the loss mitigation team for my mortgage company via phone for almost 2 months now. I continuously gets forced into an option in the automatic call system and the system states that the loss prevention team is going to call me XXXX XXXX and never does. I have also submitted my application for assistance in hopes of getting assistance or to obtain a deferment and over a month has passed and i have yet to get assistance nor a callback from the department. Now this mortgage company is saying that starting XX/XX/XXXX they will be applying late fees, after not getting in contacting with loan borrowers.
Product: Credit card

received a letter in the mail from Capital One saying my account was closed for fraud even though I never had any fraud charges and always stayed on top and had like XXXX return XXXX  or XXXX, but I always stayed on top of it and now its closed
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau ( CFPB ) Complaint** XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX **Subject : ** Complaint Against Equifax for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against Equifax for reporting inaccurate information on my credit report related to my XXXX XXXX XXXX account XXXX 

**Details : ** - **Credit Reporting Agency : ** Equifax - **Account in Question : ** XXXXXXXX XXXX XXXX XXXX  **Incident Reported : ** My credit report indicates that between XX/XX/XXXX, and XX/XX/XXXX, my XXXX XXXX XXXXXXXX XXXX XXXX  balance increased from {$0.00} to {$17.00}. This information is factually incorrect and has negatively impacted my credit score, resulting in a decrease of XXXX points. 

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit.

**Action Requested : ** I request that Equifax update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further.

Thank you for your attention to this matter. I look forward to your prompt response.

**Sincerely
Product: Credit reporting or other personal consumer reports

Child support both cases should not be on my report they are legal/civil litigation and ongoing and should not be on my credit report
Product: Debt collection

My name is : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City, State, Zip Code : XXXX Georgia XXXX Date : XXXX XXXX To the Complaint Department Name : Equifax, XXXX or XXXX I am writing to dispute the following information in my credit file. 

The item at XXXX XXXX in the amount of {$770.00} is incorrect. I have never opened an account with this source or company. I have never lived at the address in XXXX. 
I am requesting that the item be removed to correct the information. 

Also I was just notified about a {$300.00} bill for XXXX XXXX XXXX  I honestly dont know what is going on but its stopping me from moving into my apartment I have a XXXX XXXX old daughter and its cold outside and Im trying to get her in a worm environment please help me Best regards, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I had reached out to America First Federal Credit Union about information needed on my deceased fathers mortgage account with no success. On XX/XX/XXXX I got a hold of XXXX XXXX, the XXXX XXXX for America First Federal Credit Union the service lender for my deceased father. She provided me information about my fathers past due amount of XXXX, I had informed XXXX that my father had passed away and I had no knowledge of this past due amount, which was the reason for me contacting America First Federal Credit Union. That call ended that day with XXXX telling me to contact her when I have XXXX dollars to pay the past due amount, I called her on XX/XX/XXXX in an attempt to make arrangement for payments, I also requested for all of the information I can get from her on my fathers account, she said she could not provide me with that information because I am not on the account. The call ended that day with XXXX informing me to call her back on XXXX XXXX with an amount I can pay to prevent the foreclosure process. On XX/XX/XXXX, I called XXXX and requested valid information on my fathers past due debt, copies of bill notices, interest fees, payments and credits that I have never received, before I can make payments, XXXX had stated previously notices were sent out to my deceased father address, She stated she could not provide me with the information because I was not on the account, then I proceeded to inform her that since she stated I am not on the account and the only action that XXXX wants me to take is pay, I would pay but I need information in writing on what is actually owed verifying the debt, and where that money paid is going to be applied. XXXX stated since no payment arrangement was made on XX/XX/XXXX, she would be contacting her attorneys to start the foreclosure process and attorney fees will be added. I sent out an affidavit of these happenings to XXXX the following day just to document for future purposes my request for my deceased fathers mortgage information in writing. In this matter I am the successor in interest, and America First Federal Credit Union, XXXX XXXX were aware of my status when I requested my deceased fathers information and informed her that I was willing to resolve this matter. XXXX XXXX instead of complying with the successor in interest laws for instance confirming my status as successor interest just wanted me to pay the debt. 12 CFR 1024.36, Request for information, was ignored by the service lender, America First Credit Union, XXXX XXXX, also violating the Fair Debt Collections Practices Act. These actions taken by America First Credit Union, XXXX XXXX, also violated my successor in interest rights, and caused me harm as America First Credit Union, XXXX XXXX are fXXXX XXXX on my home. I will be making further complaints to other Government Departments, FBI, DOJ, Attorney General, about this unfair treatment from a service lender towards successors in interest, for the service lenders unjust enrichment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been contacting credit bureau agencies since XX/XX/2017 with no positive results the bureaus are reporting invalid account information that does not belong to me and I have expressed this numerous times over the phone, fax and US Mail. Bureaus nor companies have been able to validate these debits or have not provided me with proof of why they will not remove them. The accounts that need to be removed immedatately are : XXXX, XXXX, XXXX XXXX, and XXXX loan
Product: Checking or savings account

PNC wont let me link my bank account to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.