23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had checking account with Chase since 2013. 
I have been always careful with this account : very few cash deposit/withdraw, no over draft, and as an international XXXX, only occasional international wire transfers ( the last one was almost 1 year ago ). 
And it was closed without any reason in XX/XX/XXXX. as well as all my credit card accounts. 
I made multiple calls to Chase but they just transfer me back and forth and calls always end like " we closed your account and we wo n't tell you why or which department closed it or anything '' There are many cases all over the web, but most of them are associated with unhealthy account state or untraceable cash flow but none applies to my case. 

So it 's very probable it 's a human mistake that Chase is unwilling to admit/correct, or even worse, systematical discrimination towards certain group. 

The closure affects my daily life, as the checking account is my main account for receiving scholarship, paying apt rental and auto loan and utilities. Moreover, closing all my credit card accounts greatly impacts and will continue to hamper my credit record for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing account # XXXX, XXXX stated the account was verified as belongs to me. I have requested validation of debt from XXXX  and I have yet to receive the documents. Ive contacted the collection agency responsible for reporting the debt and they sent me a generic printout of an account activity. There is a collection that is reporting to my XXXX  report that has not been properly investigated. I have not received sufficient validation of debt from both parties involved.
Product: Checking or savings account

I closed my Wells Fargo checking account and then received a refund from XXXX for about {$290.00}. However, the bank never sent me the funds. I went back & forth with XXXXXXXX and they swear they refunded it. I eventually called Wells Fargo and they opened dispute XXXX which was looked into and closed XX/XX/XXXX. But there still has been no refund check. I called them again and they said they found in my favor, but that a partial refund check was being mailed to me along with a letter - but nothing has arrived.
Product: Credit reporting or other personal consumer reports

Partners Financial Services reporting on my XXXX report after contacting them that I never received a bill. I wasnt told this would go on my credit report by PFS or the original creditor. 

I never used the gym due to health issue. The gym was notified of health issue in writing. Partners Financial still reported to XXXX when in fact I dont owe them due to XXXX  reasons. I was told this would not go on my credit and they would delete. 

I will be filing a lawsuit against partners financial services for reporting inaccurate information and ignoring my demands to remove from my XXXX credit reports.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$290.00} XXXX XXXX FIN XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : SAFE XXXX ) XXXX Balance Owed : {$1700.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX, Equifax, and XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax, and XXXX, alleging systemic issues, such as failing to forward, consumer provided evidence to furnishers, accepting unreliable responses and failing to notify consumer of dispute outcome. These failures align with my experience when XXXX, Equifax, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputedaccounts as XXXX, Equifax, and XXXX inaction violate the federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed I had late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX/DEPT OF ED OPENED XX/XX/XXXX AND XXXX/DEPT OF ED OPENED XX/XX/XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate Experian states I was late however XXXX states I was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.
Product: Mortgage

XX/XX/2019 Certify Mail XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Taskforce on Federal Consumer Financial Law XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Cc : XXXX  XXXX  XXXX  XXXX SELECT PORTFOLIO SERVING INC. 

This complaint is brought to address CFPB misconduct and obstruction handling the following complaint against XXXX XXXX  XXXX XXXX to help the company to avoid disclosure information that is needed to resolve the matter in the complaint. The following complaint were filed to CFPB : Complaint ID # XXXX dated XX/XX/2019 Complaint ID # XXXX dated XX/XX/2019 Those complaints Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) against XXXX XXXX, the company has refused to respond, instead, according CFPB employee had said that XXXX XXXX  responded under ground, leaving no trace of any written that the account do not belong to them. ( See Complaint ID # XXXX and XXXX ). Company responded the complaint does not belong to them on XX/XX/2019 Company responded the complaint does not belong to them on XX/XX/2019 XXXX XXXX, also, have failed to respond the previous complaint. We have notice that CFPB maliciously forward the complaint to SELECT PORTFOLIO SERVICING ( SPS ). We do not need any answer from SPS. 

We just a request a formal letter from XXXX XXXX  saying what they saying underground, that the account do not belong to them, period. 

We request an investigation regarding this misconduct, to allow this matter of this account to be solved amicable and timely. 

Find the attached Complaints. 

Respectfully submitted, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Fl XXXX
Product: Debt collection

Constantly calling now I get a letter trying to sue me for an account in XXXX  isnt that past the limit of time?
Product: Credit reporting or other personal consumer reports

This is the second time I have asked XXXX XXXX XXXX XXXX Account # XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By LAW XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX XXXX XXXX {$18000.00} XXXX XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXXI XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX  XXXX XXXX XXXX {$2200.00}
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.
Product: Debt collection

For some time now I have tried to find out I keep getting billed for a XXXX panel done XXXX/XXXX/15. XXXX denied the billing as not medically indicated. I have asked that the coding under which it was billed be checked to make sure it was correctly coded and the doctor be contacted to verify that she ordered the test as medically necessary. I have had many conversations about this by phone and email with the billing department and they assured me that it would be looked into and they would know more in XXXX weeks. Today I was surprised to receive in the mail a bill from a collection agency XXXX USCB America XXXX indicating that the account was turned over to them as delinquent. Seems to me that you are not treating me fairly as on one hand your are supposed to be addressing my concerns while on the other you go behind my back and treat the account as delinquent. Please note that I have complete insurance coverage with Medicare and Tricare for Life and usually do not have any medical payments as Tricare for Life pays any charges left after Medicare. I have been told that I signed a form indicating I would pay for the procedure if Medicare did n't, however the form also indicated thatthe estimated cost would be zero [ {$0.00} ] which was the only reason I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have done many attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened XX/XX/11 Balance {$0.00}, XXXX XXXXXXXX XXXX Date Opened XX/XX/11 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed erroneous accounts that are present on my Equifax, XXXX XXXX XXXX  reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a credit freeze with all the credit bureaus due to a plumbing company taking out a credit card in my name and the sheriff 's department told me to take action. Ever since then, whenever I lifted the freeze to make a purchase it was denied by Equifax. I was never given a reason by the merchant- just to call Equifax XXXX Then when Equifax was called, they said the merchant was supposed to confirm my identity by calling my phone number. Well, they never did. Fast forward fall of XXXX, I tried refinancing my house with XXXX bank and here Equifax had NO file on me! How can XXXX and XXXX have a file on me but not Equifax? Equifax wanted my to send sensitive documents including the title to my house to them! I complained to the XXXX and suddenly my credit file was back, but missing recent information and reporting XXXX and XXXX information? I complained again, and removed the extended credit alert after XX/XX/XXXX. 
I was still experiencing problems and calling Equifax multiple times and agents telling me that there is no freeze and no fraud alert. I am looking at credit report copies from XX/XX/XXXX, XXXX, and XX/XX/XXXX and none of them have a fraud alert. Each one varies with the addresses and info. Still reporting XXXX and XXXX accounts, besides current accounts. Only the XXXX XXXX report lists a phone number for me, and it is my current phone number. I am still having trouble with merchants/banks because Equifax still has an alert on my account. I just found out yesterday it is because Equifax wants them to call an old XXXX mobile phone number of mine- not my current phone number, the one I have had since XXXX. So for the last 4.5 years and currently they have, and continue to obstruct me from my credit. They skrewed up my credit report/lost data/rearranged it and will not fix it without me providing sensitive documents that I don't even have to show the banks or the IRS. Everytime I call in and give all my information-the system won't verify me. But, when I am talking to the Equifax agent, they send a text for the verification link to my current and correct mobile number and I am thanked for validating the Equifax link, but then they say they can not help me with the internal block because they can't verify me? All this because one person put in an Internal block/fraud file indicator and put it to a secondary old phone number on my file. Funny, when I moved and called them to change my address-they did that with no problem. No documents required there! Absolutely frustrating beyond belief. I have no issues with XXXX or XXXX. How can 2 other bureaus be reporting accurate information and Equifax can't? Equifax is the only company that has destroyed my life for the last 4.5 years, and for how much longer?
Product: Debt collection

I sent in a certified letter of validation dated XX/XX/2023, but the company failed to send proper validation documents of the debt being owed.
Product: Checking or savings account

To whom it may concern, Today, someone fraudulently took over my business email account, instructing my administrator to transfer {$48000.00} to an account in TCF Bank. The fraudster used by email address and my name to provide these instructions. Thankfully, my administrator validated this information before proceeding. I called TCF Bank and they communicated that they did not have access to investigate this claim. The bank account information is presented below. 

BANK NAME : TCF BANK ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX BANK ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX BENEFICIARY ADDRESS:XXXX XXXX XXXX XXXX XXXX IL XXXX Please, advice as to what additional measures I can take to protect my financial accounts from this fraudulent activity. 

Regards, XXXX XXXX
Product: Mortgage

Since mid XXXX I have been trying to get XXXX to correct my payment history. They have reported a payment of more than 30 days late in XXXX of 2019. When I call to talk to them about the issue they state that their records show I made the payment on time and that they are reporting it correctly. However it is still being reported as more than 30 days late on my credit report. I have filed disputes starting in mid XXXX with the credit bureaus that did not fix the problem. I have now filed multiple disputes with XXXX internally that have so far not fixed the problem. Each time they come back and say they are reporting it correctly and I have to start the process over again which takes weeks. I have made multiple phone calls and been on the phone for multiple hours trying to get them to update my payment history correctly and each time am told the dispute is in process or the dispute is done and they found their information to be correct. As of today my credit report from all three bureaus still shows a payment of more than 30 days late in XXXX of 2019 after hours on the phone and multiple disputes for the last three months I will include a payment history provided to me from XXXX showing that I made the payment on XXXX the XXXX of 2019. I will also include a picture of my payment history as it has been reported to all three bureaus by XXXX. Their refusal to investigate this issue thoroughly and fix their error is causing me financial harm. I am unable to gain pre-approval for a home loan I need to help house my family.
Product: Credit reporting or other personal consumer reports

Experian is reporting my criminal record on my credit report I have not filled out for a job housing or anything what does a crime that happened 15 years ago have to do with my credit I would like compensation for this this should not be on a credit report I think this is a clear violation of of my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written permission to any of the following company run my credit XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this.
Product: Consumer Loan

I obtained a {$1000.00} installment loan from Lendgreen. Per my agreement I am to make XXXX installment payments of {$300.00} to satisfy the loan effective XX/XX/2015. Upon checking my account Lendgreen withdrew {$380.00} on XX/XX/2015 causing an overdraft on my account. When I contacted them they stated the XXXX payment would be a little higher due to a certain amount needing to be applied to principle. Lendgreen also advised my loan would not qualify for any alterations to the agreement meaning I would not be able to postpone any future payments. For some reason I am also not able to access my original loan documents. The Lendgreen websijte continues to error out stating my computer is not compatable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my reports a closed account with huge amount of missed payments. American Express is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA American Express has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Student loan

On XX/XX/XXXX Nelnet received my cease and desist letter pursuant to 15 USC 1692c ( c ) and also received my debt validation request pursuant to 15 USC 1692g. Nelnet has 30 do to provide required documents pursuant with federal law. If documents are not received within the specified timeframe, Nelnet will be in violation of the FCRA and FDCPA and the alleged debt must be deleted and completely removed from my credit file and a copy of such deletion shall be sent to me immediately.