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

My account with this company is being reported late 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: Checking or savings account

I am submitting this complaint regarding the mishandling of a dispute I filed with GreenState Credit Union, which has caused significant frustration and financial strain. Below are the details of the situation : Dispute Summary : On XX/XX/year>, I made a payment to a merchant for doors and windows. The merchant, however, failed to deliver the product, and after several attempts to communicate with them, I was forced to file a dispute with GreenState Credit Union. Despite providing all the necessary documentation, including invoices and emails confirming non-delivery, GreenState Credit Union has delayed resolving my dispute. 

Violation of Federal and State Regulations : Under the Electronic Funds Transfer Act ( XXXX ), the bank is required to investigate and resolve disputes within XXXX business days. However, the bank did not contact me within this timeframe, and I had to reach out on XX/XX/XXXX, which marked XXXX business days from my initial submission, to inquire about the status of my dispute. Despite providing the necessary documentation upfront, I am now being asked for additional information that was never requested initially. This has caused further delays and stress. 

In addition to the failure to comply with XXXX requirements, the merchant has violated Illinois state law ( Consumer Fraud and Deceptive Business Practices Act, XXXX ILCS XXXX ) by failing to deliver the product within a reasonable time. I am entitled to a refund, yet GreenState Credit Union has not acted in a timely or appropriate manner to recover my funds. 

Unfair Treatment and Lack of Communication : I feel that I am being treated unfairly and subjected to unnecessary hurdles, which are making the process far more difficult than it should be. There has been a lack of transparency and communication throughout the process, and I am left with no choice but to seek outside assistance. 

Desired Outcome : I request that GreenState Credit Union promptly resolve this dispute by refunding my money in accordance with federal and state laws. Additionally, I ask that the CFPB investigate whether GreenState Credit Union has engaged in discriminatory practices by subjecting me to excessive scrutiny and delays, as it feels like a case of XXXX while banking. 

Thank you for your attention to this matter, and I look forward to your assistance in ensuring my rights as a consumer are upheld.
Product: Checking or savings account

Since XX/XX/2022 I have been charged XXXX NSFs totally around XXXX. In the intermediate I have called to explain my situation ( medical+hurricane XXXX ) and they have assisted me in some capacity ( moving dates due on loans and refunded 10-12 NSFs ). 

However, I have paid around XXXX in interest just last year ( 2022 ) on my credit accounts with them. All I am asking for is to refund half of the fees, which only accounts for around 15 % in just interest I have paid to the credit union. 

XXXX fees is absolutely ridiculous. I do not qualify for overdraft, I have no savings to link. I am just asking for reprieve.
Product: Money transfer, virtual currency, or money service

I deposited {$11000.00} on XX/XX/XXXX, which I was wrongly told would be available for withdraw on XX/XX/XXXX. I then deposited {$10000.00} on XX/XX/XXXX, which I was told would be available for withdraw on XX/XX/XXXX. On XX/XX/XXXX, I received an email stating my funds were on hold for another 30 days. I went to check my account and it stated the hold was extended beyond the 30 day extension, to XXXX  XXXX and XXXX. I then contact the XXXX  to file a complaint, in which I am told my account has been indefinitely locked, and I can only ask for it to be unlocked on XXXX  XXXX. I contacted a different support team member, which told me there was no lock on my account, and I could withdraw on XXXX XXXX and XXXX. Thus I can not unlock my account ever, because the support team can not see the lock on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Wells Fargo directly and provided them with documentation. I was divorced in XX/XX/XXXX and according to our divorce agreement I was to be removed from all my ex-wife 's liabilities. In XX/XX/XXXX, she was 90 days late on a payment at which time Wells Fargo contacted me. I spoke with them that we were divorced and provided them copies of the court order. I was told that the late payment would be removed from my credit report. My ex-wife paid that past due amount and a few months later paid off the remaining balance and closed the account. When checking my credit report I noticed that the 90-day late balance is still on my credit report. I have filed a dispute through a credit reporting agency and Wells Fargo has said that the information I provided is accurate but they disagree with removing it from my credit. This goes directly against my court order and against what I was told by a representative of Wells Fargo when I contacted them in early XXXX.
Product: Mortgage

I received a CARES Act Forebearance on my mortgage and the forebearance ended according to Carrington on XX/XX/2022. Now that the forebearance has ended, Carrington is asking that I pay all missed payments during the time my loan was on CARES Act forebearance immediately. Carrington is threatening me that if I don't pay they will take away my house.
Product: Credit reporting or other personal consumer reports

I recently submitted a report to Experian about an account that has been reporting inaccurate information also using procedural errors as well as XXXX XXXX XXXX XXXXXXXX description and it still came back as accurate. I am pasting the reason why the account should be removed off of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Product: Debt collection

They are calling from multiple numbers, A minimum of 5 times daily up to 12 times in a day. Their automated system states I have until XX/XX/XXXX to pay in full, but charges have been released to a collection company. I advised them that the amount and frequency of calls is harassment and needs to stop, do not call again. They told me if I paid my bills they wouldn't be calling. List of numbers used to call me below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to Equifax to dispute inaccurate information on my credit report. They claimed to open an investigation and found the information was correct. I asked the, to verify that the inquiries were in fact done by me and they could produce no evidence. Therefore, it is unfair with no evidence to assume the inquiries belong to me. According to law, anything on my credit report that is inaccurate information has to be deleted. It can only stay on my report if their is evidence and this bureau could not find any because they were never done by me.
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received a US Bank debit card purportedly related to unemployment benefits in Colorado. Clearly, and for many reasons, this card is not for me. However, it is equally clear that US Bank or an organization they " partner with '' and " profit from '' has my personal information which caused this card to be issued. US Bank provides phone numbers to call which are unattended or otherwise impossible to reach a human to resolve this. I traveled t a US Bank facility. Even the manager there was powerless to do anything except provide a list of activities I would be " required '' to do that would take many hours ( police report, credit bureau notices, creditor notices, etc. etc. etc. ) I find this incredibly arrogant and condescending. I have done NOTHING to cause this fraud. US Bank or their affiliates have precipitated fraud or made errors, and yet they take no responsibility and accept no accountability for doing ANYTHING. This is simply not right. Why should the victim of US Bank 's fraud or incompetence be the one burdened with correcting THEIR improper actions?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I am a victim of fraud Santander Bank account via atm withdrawals and criminal found out my pin most likely looking over me or recording me entering my pin in atm or pin machine. I want my money reimbursed all {$1400.00}. I filed a criminal report with police but Santander reps have disregarded all the facts and declined me. I want to report this to highest supervisory there. Tell me why this is taking more than 3 weeks to reimburse me and investigate fully when this is fraud and grand larceny? 
Dates of theft via atm, XX/XX/XXXX through XX/XX/XXXX. 8-10 fraud atm transactions made by thief at 3 XXXX XXXX locations. All not authorized. I explained I have Not used Santander fund since end of XXXX as it's an emergency fund. I do have a Chase account and did XXXX acct activities at local branch at XXXX XXXX XXXX XXXX XXXX N Y and I believe this is where criminal stole card and pin as criminal shows stealing my money at XXXX branch facility. Please help me get reimbursed for full {$1400.00}. I reported fraud as soon as I found out crime and lost or stolen Santander debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with XXXX and Navy Federal Credit Union. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So XXXX and Navy Federal decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized
Product: Checking or savings account

on XX/XX/year> I placed an order through XXXX XXXX using my Debit Card that is attached to my bank account. I scheduled to pick up my grocery order on XX/XX/year> at XXXX in XXXX, XXXX Once my order was submitted, XXXX placed a hold in the amount of {$150.00} for my order. I picked up my order on XX/XX/year> and some items were out of stock so the final charge for my order was {$140.00}, XXXX issued an invoice for the amount of {$140.00}, and the payment to XXXX posted to my bank account on XX/XX/year>. 

As of today, XX/XX/year>, the hold of XXXX XXXXXXXX continues to show as pending on my bank account. Meaning, I have been charged the correct amount of {$140.00} on top of the hold still showing as a pending purchase for {$150.00}. This has caused my account to be overdrawn, and quite frankly, is so unacceptable. I have essentially been charged twice - regardless of XXXX  wanting to call it a hold - the fact remains my bank account is LESS an ADDITIONAL {$150.00} since my order pick up on XX/XX/year>. 

I have contacted XXXX, and my bank, and both just keep pointing the finger at each other.
Product: Credit card or prepaid card

What I have done I contacted XXXX XXXX XXXX XXXX XXXX  XXXX XXXX about the account opened up by Wells Fargo I feel its a fraudulent account I never authorize them to open an account I authorize to credit search to see if I was eligible for a loan for the repairs between XXXX XXXX  and Wells Fargo they open up an account try never authorize they put it on my credit report as an open account which Ive never authorized I have filed a complaint with Wells Fargo I filed a complaint with the FDIC fraudulent actions by the bank and not feeling it I can play with you Im hoping that you guys can help you get this resolved have this taken offMy credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 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

My credit profile was updated with A collection with A company by the name of XXXX XXXX XXXX & they advised it was due to A loan taken out by XXXX XXXX XXXX When I called check and go I was informed it was a loan taken out online using my prior name XXXX XXXX. My current name is XXXX XXXX. They allowed the account to be open and was fraudulent. I submitted a dispute with transunion as this account is a fraud account and is not mine. Transunion has failed to verify the debt and have left this on my credit report and have no removed this fraudulent account.
Product: Debt collection

Have recently received a Judgement warning for a charged off debt and has threatened to garnish bank account.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2022 I wrote to Equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that Equifax reply within a reasonable amount of time. 

Since this is my second request, I am notifying you that I have signed receipts for letters sent to Equifax and Equifax have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 
( Concerning account XXXX XXXX XXXXXXXX ( XXXX XXXX  ) and XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX  ) XXXX XXXX XXXX XXXX I also understand that Equifax is required to notify me of their investigation results within 30 days and provide me with an updated copy of my credit report. Because they have not done so please have them remove these items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX BANK XXXX # XXXX, XXXX XXXX BANK # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions