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 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/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: Payday loan, title loan, or personal loan

I called this company on XX/XX/XXXX to take care of a delinquent debt. The person I spoke to told me the agent handling my account was out of the office and would return my call XX/XX/XXXX. I received no followup on XX/XX/XXXX. I called them back XX/XX/XXXX and explained that I would like to pay the amount in full and never received a call back as promised. The lady told me that even though she was out of the office the amount of the debt continued to increase due to their interest policy and that she will not adjust the amount despite my contacting them in good faith on Tuesday the XXXX and she was out of the office. If I paid even a dollar less than it would be reported as settled not in full. I am willing and able to pay the amount but I do not like to be taken advantage of because of their employee being out of the office.
Product: Money transfer, virtual currency, or money service

VENMO appears to have issues with their verification process on their end ; it looks like corporate fraud if I didn't know better. I have supplied extensive documents pertaining to identification, my business documents, client transactions, banking statements, personals, etc. Everything is valid and up to date. Despite all this, VENMO still is not allowing me to add my valid bank account details and has abruptly and permanently disabled my account. There is no explanation. There is no appeal process. There is no one to discuss the matter. VENMO simply cites their user agreement and ends any discourse. How can a company deny extensive valid documentations and unjustly steal my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer report.
Product: Debt collection

I 've been contacted recently by a Debt Collector with the most smelly attitude on earth weeks ago, the. She recently contacted me again threatening me that I have til the XXXX to pay my overdraft of {$120.00} from XXXX bank. But when I received the letter last week Monday, XXXX XXXX the letter informed that I have 30 days. But having her contact me knowing that I am in school at the age of XXXX trying to pursue my career especially off of a different number with a local area code is really rude of her to do so with the same attitude. I tried to inform her to do not call me anymore but she hung up the phone. Which is really unprofessional -- she needs to go back to school and pay her own debts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB XXXX XXXX  - SSN : XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX
Product: Debt collection

I have been dealing with this problem for a long time.I need to get these collections removed. I've already sent in all the correct documents, and these collections still show up on my report.
Product: Debt collection

Complaint Against : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of Complaint : I am submitting this formal complaint against LVNV Funding LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX. LVNV Funding LLC does not have the legal right to collect debts in my state. To my knowledge, they are not licensed to act as a debt collector in my state, which is a requirement under state law. Therefore, their collection activities are unlawful. 
2. LVNV Funding LLC never sent me a written notice or debt validation letter before reporting this account to the credit reporting agencies. Under 15 U.S. Code 1692g, they are required to provide me with written notice of the debt within five days of their initial contact. I never received any such notice, yet they placed this account on my credit report without any prior communication. 

This behavior violates both federal and state laws designed to protect consumers from unfair debt collection practices.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 a relative received a call from chase ( spoofed ) that there was fraud on their account and to send money to me. I received XXXX from them through XXXX and was notified by my account settings of the transfer. I contacted that relative and they asked me to send the money back. So I did with in minutes of receiving it. That money never made it back to them because their XXXX account information had been changed but they were not notified of this. I filed a fraud complaint on XXXX XX/XX/2022 for the transaction of sending the money back to this relative but was told there was nothing wrong with the transfer and no reversal would take place. The relative filed a fraud against the transaction of sending the money to me, for which they took the XXXX out of my account and gave it to the relative even though they can clearly see I sent that money back to them through XXXX but it did not reach them. So i am down XXXX. I have contacted Chase 4 times on XXXX XX/XX/2022 between the hours of XXXX Eastern time and XXXX Eastern time and was hung up on each time after they put me on hold to look into the claims that were filed.
Product: Mortgage

Our mortgage amount changed suddenly ( went up ), due to the mortgage company 's escrow reserve calculations. One of our monthly payments was lower by {$87.00}, since our bank paid the regular amount ( there was problem updating the monthly amount that was paid regularly ). We paid the balance of {$87.00} shortly afterwards.

As a result, Fifth Third bank, did not apply the amount we'd sent in ( {$2300.00} ) until we'd sent in the remaining {$87.00}. This resulted in us having to pay substrantial extra interest, because they delayed applying the amount we'd sent in.

Additionally, Fifth Third bank is charging us a late fee of {$92.00}, to cover a temporary shortfall of {$87.00}!

On top of all this, their statement reflects the late fee of {$92.00} as a " Past Due Payment '' and not a " Fee '', a blatant lie.
Product: Bank account or service

I had deposited my tax check from refunds plus in my chase account they restricted my account so that i couldnt use my money out of the account even when the check had cleared. I got a letter from the fraud department saying they was going to close my account after 10 days if they can not verify the funds is have jump through all the hoop they asked my to do to the t and they still will not release my money after giving them all the information and all the steps they asked me to do. i have since been evicted and have been living in an hotel me and my XXXX kids this started on the XXXX/XXXX/16 it is now XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We have been with Bank of america mortgage for 15 or more years and have never been late with a house payment.In XXXX of XXXX my husband passed away and I lost all income except Social Security.In XXXX of XXXX i applied for a modification loan with Bank of America.They had me make three trial payments of {$650.00} on XXXX, XXXX and XXXX which was {$100.00} less than the normal payment and told me several times and even had it in the paper work that I could not make anything but that amount.I called them several times to ask about the payments that I was still receiving with the old amount and they assured me that it would all fall into place after the three months were up.After the new loan amount went thru they put 3 late payments on my credit report for XXXX, XXXX and XXXX which has affected my credit report very much.I have disputed it thru XXXX and XXXX with no results and was told by a manger with Bank of America that they were not changing it.Of course this is effecting me trying to find cheaper insurance or anything else.I really need some help with this.
Product: Vehicle loan or lease

I am writing to express my concerns about a recent incident I experienced with your company. I purchased a XXXX XXXX XXXX on XX/XX/XXXX with a down payment of {$800.00} shortly after purchasing this vehicle I started experiencing problems. There was a very loud noise coming from the front end of my car when accelerating. Due to the holidays and XXXX being backed up I was unable to get an appointment til A few weeks later. I took my vehicle to XXXX XXXX on XXXX XXXX in XXXX to receive a diagnostic on my vehicle. After leaving my car at XXXX for 8 hours, a full business day the mechanic at XXXX informed me that the noise was coming from the car being low on oil. Silver rock then advised him to check my car for any leaks and to change the oil on my car however they were not covering the costs for the oil change. After advising the mechanic that I didn't have the money at the time for the oil change he refused to check my car for any leaks and stated that my car just needed oil. I took my car to be serviced for an oil change and a few weeks after my car completely stopped on my way to work. I checked my car for oil and there was no oil in my vehicle. Shortly after this incident I reached out to XXXX rock regarding this manner who advised me to take it to XXXX XXXX. Once I arrived at XXXX XXXX I explained to them my concern with my car and a diagnostic on my car and stated that it could be an internal problem with my engine. They also were unable to service my vehicle. This has been more than an inconvenience to me. I have missed work and class due to me not having a reliable vehicle that I have paid my money for. I also paid for a warranty through your company whos also very unreliable. I have had to call them multiple times just to get the costs covered for work that wasnt done on my car due to the miscommunication between them and the mechanics. Since I purchased my car it has been at least 4 different repairs and I'm still having the same issues. As a customer I am very disappointed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
Everything must be 100 % accurate in my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under.

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: Credit card or prepaid card

I don't have an account I got emails stating my debit card has been frozen but I don't have an account and never applied for one this is the email address it came from XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account sold my account to a third party 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization Account number XXXX
Product: Checking or savings account

Week of XX/XX/2021, I received in the mail a Debit Card and a letter indicating that three DDA accounts were opened at PNC Bank in my name. 

This was not authorized activity and we had no existing business with PNC Bank nor did we apply for any financial products from them. 

We called PNC Bank on Saturday XX/XX/XXXX and spoke to a Fraud Officer and they said that they would open a fraud investigation and suggested we visit a branch for further assistance. We wanted these accounts closed immediately but were told that we would have to speak to someone in the Branch. We went to the branch on XX/XX/XXXX ( Monday ) and were told by the branch manager that it was turned over to the Fraud department and that they could not provide me with any information nor would they close the accounts when I requested them to do so. As I did not open these accounts, I am concerned that a money-launderer could be using my identity to commit financial crimes through these accounts and I wanted them closed to prevent my identify from being associated with any potential crimes. I also asked for some type of documentation to prove that we had reported this fraud to PNC to help reduce our risk and they refused to give me anything in writing to prove that I had filed this complaint with them. They said it was their policy to not provide anything in writing in these situations. 

PNC Bank refused to close the accounts and said that it had to go to their fraud department for handling. I asked them if the accounts were funded or if they could tell me what was going on with them and was told that they could not divulge any information even though the accounts are actually in my name currently. My goal in asking this question was to try and understand what risks I might be exposed to and to see if money was moving in / out of the accounts. However the branch manager quoted policy and said that they could not tell me anything. 

I am filing a complaint because a ) PNC Bank clearly has poor KYC / BSA policies if someone was able to open an account without my knowledge and b ) PNC Bank should be more helpful in trying to size the risk and address it appropriately. They said it would be up to 30 days before we might hear from someone on this matter. 
c ) PNC Bank should at least provide evidence that they have opened up an investigation to assist fraud victims, which may be needed to provide future innocence, etc. in the event of future issues that could come from the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I had previously submitted a complaint re Equifax and their release of my personal information ( via a hack ). More specifically I had been unable to establish a TrustID account with them as they had promised to those of us " hacked ''. The complaint number is XXXX and was submitted on XX/XX/XXXX. 

My understanding of their response is I could not prove that I am XXXX XXXX. Although I applaud their security in this effort, what they did not tell me is how I can provide that I am in fact XXXX XXXX. I am happy to provide copies of my passport, driver 's license, etc. As proof of my identity and intent, I have attached a copy of this years Annual Credit Report Equifax provided me in XXXX of this year. I can provide much more documentation if Equifax will provide very specific instructions on the information they need. 

As a side note, I am a US Citizen working in XXXX at the XXXX XXXX. I can provide US Government orders showing this fact. I am a citizen of the US, pay US taxes and VA state taxes. Also, I will be finishing my tour in XXXX in XXXX of XXXX and will return to my previous address of XXXX XXXX XXXX, XXXX, VA XXXX around XX/XX/XXXX. 

Please, please, please let me know how I can fully establish a TrustID account! 

Thanks, XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to remove the accuracy of the bankruptcy information on my credit report. After reviewing the report, I have identified discrepancies in the bankruptcy details, and I believe that the information reported is not entirely accurate. 

Bankruptcy XXXX XXXX XXXX US BKPT CT CA XXXX XXXX On XX/XX/2017 you verified a public record I had disputed. It was a Bankruptcy XXXX XXXXXXXXdismissed reported/filed on XX/XX/2017 I am now requesting the method of verification, including the name and address of the furnisher of information. Not the source, but the furnisher or subscriber. 

I kindly request that you investigate this matter and delete the inaccuracies on my credit report as soon as possible. I understand the importance of accurate credit reporting and appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

Basically they have been reporting late payments to the bureaus which is hurting my score because all my XXXX loans were forgiving and paused
Product: Checking or savings account

So I opened everyday checking account with Wells Fargo with welcome bonus offer of XXXX $ last year XXXX. As today its being already the 90days since I opened my account and I didnt receive the welcome bonus offer, with my concern I called the customer service number at Wells Fargo . First person I talked to said that Im not eligible for the offer cause I didnt use the code to open my account. But there was no code given when I opened the account. I checked all my emails from Wells Fargo. With all the emails they sent me when I opened the account theres no code thats given. 
With my concern I called the Customer service number again. Its the 2nd time calling and another representative pickup After checking, the customer service agent is saying that my welcome bonus is expired and lapsed in earlier XXXX which I told him that made all the requirements for receiving the bonus before even XXXX. I had the direct deposits Ive being using my account for 90 days. He said its required for me to go to the branch. I live in XXXX, NY. And we dont have a branch of Wells Fargo in our city. But hes telling me Im required to drive 5hrs to the nearest branch Ive if I want to pursue this {$300.00} bonus. And I told him Im not able to drive that long, whats the next available option. He became mad and saying customer service is telling you that your required to go to the branch that {$300.00} its not a small money and you dont want to help yourself???! Long story short the customer service is telling me that Im not able to get the welcome offer.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance {$640.00} XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX  XXXX Balance {$8000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance {$800.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance {$1300.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX  XX/XX/year>