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

My checking account had fraud occur. I called and they froze the account and opened a new checking account. The person I spoke with ordered checks for the new checking account. The fraud account was a joint account. An account with only my name was opened. The checks arrived with my name inccorrect on them. The checks are printed with the name XXXX XXXX XXXX. It should be XXXX XXXX XXXX. My husband 's name is missing. I called and each person told me I would have to go the a branch to fix this. I went to the branch which is 50 miles from my home. The branch manager told me she could not give me my money back for the cost of the checks original wrong checks. She stated I would have to call customer service to request that money back. She ordered new checks and added my husband to the new account. She told me I must pay for the checks and pay the expedited amount to get the checks quicker. The reason being that I waited over 2 weeks to get the first wrong checks and I need voided checks showing the new account for some of my bill payers. I attempted to call today to get my money back on the wrong checks and the automated system keeps hanging up on me. I just want a refund of the cost of the original printed incorrectly checks. The amount charged was {$31.00}.
Product: Debt collection

My information was given out due to the XXXX data breach and I have 5 accounts on my credit including debt collectors trying to collect a debt I don't know anything about. I have tried to dispute these accounts through the credit bureaus and have not been able to get them removed off my credit. Here are the following accounts. 

LVNV Funding LLC Opened on XX/XX/XXXX Amount- {$310.00} LVNV Funding LLC Opened on XX/XX/XXXX Amount {$310.00} XXXX XXXX Opened on XX/XX/XXXX Amount {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Amount {$690.00} XXXX XXXX XX/XX/XXXX Amount {$2000.00} I would like these accounts removed from my credit report immediately as I did not sign contracts or had any knowledge of these accounts.
Product: Credit reporting

I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, AP XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this letter to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. I recently checked my credit report and found that the creditor had listed inaccurate information, which has negatively affected my credit score. The creditor did not follow the regulations laid out in the FCRA, which mandates that creditors must report accurate information to the credit bureaus. 

According to the FCRA, if a creditor fails to report the correct information, they have committed a violation that can be reported to the Consumer Financial Protection Bureau. I hereby request that an investigation be conducted into this matter so that the creditor can be held accountable for their actions. Additionally, I urge the bureau to take necessary action and ensure that the creditor corrects the inaccurate reporting to the credit bureaus. 

I believe the creditor has violated the law and my rights under the FCRA, and I request appropriate legal action to be taken. Thank you for your attention to this matter, and I look forward to receiving your response. 

Credit Report XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Bank of America XXXX Bank of America  Disputed all inquiries 5 times Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by XXXX XXXX ( Clothing retail company ). The amont was {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the XXXX XXXX casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name XXXX XXXX ( Midland Credit Manag ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the XXXX XXXX was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called American Credit Acceptance to find out how much I've already paid on my loan & the amount I still have to payoff. I was told by a customer service rep. that I've paid {$13000.00} on my loan & have {$14000.00} left to payoff. XXXX of XXXX I purchased a XXXX XXXX XXXX with XXXX miles & a price tag with of {$15000.00} ; added extended service contract that brought a total balance due at settlement to {$19000.00}. While on the phone with ACA, I had my vehicle bill of sale in front of me as I heard these numbers that weren't making sense. I explained what i had in front of me; referring to my bill of sale numbers. I was told that {$10000.00} plus, went to the principal of the loan which I didn't understand. On the verge of a meltdown I asked for a copy of the purchase of sale from them ( American Credit Acceptance ) & got off the phone to call XXXX for a copy of their bill of sale as well. Once I saw my paperwork not mirroring XXXX & ACA I knew I had to get someone else involved. I've already contacted my local district attorney and notified them on the issue at had about a month ago ; still waiting on a response. Now following up with submitting my complaint here as well. The car is currently giving me as many issues as the loan company. It has XXXX miles on it with plenty of maintenance that's keeping me real busy paying my mechanic every other week and its valued between {$2800.00} - {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it.

Equifax I sent dispute on XX/XX/XXXX, andXX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX  XXXX XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXXXXXX XXXX  XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXXand XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .
Product: Mortgage

Nationstar Mortgage, LLC assumed my mortgage three months ago. Since that time, each client statement has included a line item entitled " short payment '' in the amount of {$50.00}. Therefore there is a total " short payment '' of {$150.00}. I have called Nationstar Mortgage, LLC each month inquiring about this line item. Each time that I call, they can not explain this {$50.00} " short payment '', nor do they follow up on my requests for explanation. My payment amount is, and has always been, {$990.00}. I have never been late on a mortgage payment in my lifetime, so this should not be any type of late fee.
Product: Mortgage

Navy Federal Credit Union attempted to get my loan refinance by offering a 'Rate Match Guarantee. ' They then delayed and delayed the process to ensure my other bank rate would expire and then surreptitiously voided the deal they had with me. They had a criminally bad appraisal of my home done ( coming in over {$100000.00} lower than other appraisals ) and then told me they would use the appraisal of a different bank. After sufficent time passed for the rate I had from the other bank to expire, Navy Federal changed positions and insisted they could not use the appraisal of another bank but encouraged me to reapply for a loan at a much higher rate. This caused me to lose substantial rate savings and hurt my credit through multiple hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be 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.

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 pa
yment 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! 


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

I started this complaint process XX/XX/20. The most recent correspondance from Equifax dated XX/XX/20 stated an investigation was performed and the results mailed to me. I still have not received their response. I am now going to attach the letter that XXXX XXXX  mailed to me and also Equifax requesting the hard inquiries in question be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
ACCOUNT NAME - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT #  XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a high interest loan initially back in XXXX. I always paid on time. I have been and still is facing financial hardship and have defaulted on a negotiated amount I found that later, through my hardships, I couldnt afford the payment plan of {$140.00} and Instead of filing for bankruptcy I enrolled in a debt consolidation program with XXXX XXXXy ( XXXX XXXX XXXX  ) in order to settle this and other debt. I have repeatedly informed advance America that I do not give permission for any debits from My bank account on file and to revoke XXXX ( XXXX XXXX XXXX ) and Ach debit. I am currently still enrolled in automatic payments despite my ach and XXXX revoke request. When I call advance America they inform me that I am not enrolled in automatic payments but when I get my statements it confirms I am enrolled. The information I am being given is conflicting.
Product: Credit card or prepaid card

I CANT QUALIFY FOR ANY PRODUCTS SEVERAL YEARS NOW BECAUSE I KEEP GETTING THIS MESSAGE THAT I HAVE HAD TO MANY OR PRESENT BAD ACCOUNTS WITH CAPITAL ONE. I HAVE CALLED AND THEY TOLD ME THEY WERE GON NA DO A INTERNAL SEARCH WITH MY NAME AND INFORMATION AND STILL NOTHING. ALSO THEY STILL HAVING CLEARED A WALMART/CAPITAL ONE CARD IN MY NAME.
Product: Checking or savings account

On XX/XX/XXXX I requested that the bank send me a check for {>= $1,000,000}. According to my account the check was sent on XX/XX/XXXX. As of today I have not received the check. XXXX 's XXXX XXXX doesn't show it. I called Barclays and they said it could take several weeks. That doesn't make sense. I should have received it in a few days. 
I believe they are delaying paying me.
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. In violation violation of 15 USC 1666b 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. In violation of 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In violation of 15 USC 1681 section 602 ( a ) of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, states that consumer reporting agencies ( CRAs ) must respect a consumer 's right to privacy. The section also requires CRAs to act fairly and impartially, and to adopt reasonable procedures that ensure the confidentiality, accuracy, and proper use of consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. On XX/XX/2022 payment history changed for XXXX from on time to past due. On XX/XX/2022 payment history changed for XXXX from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 for XXXX payment history changed from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 XXXX payment history changed from past due to on time. On XX/XX/2022 XXXX payment history changed from on time to past due. This creditor/account goes against the FCRA guidelines on fluctuating payment dates and unauthorized changes to my consumer report, I would like the account to report Perfect Payment History never late across all 3 credit bureaus in XXXX, EQUIFAX, AND XXXX. If the referenced account isnt reflected as payed in full The Attorney General will have acknowledgment on thee situation at hand. 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 hand written instructions.
Product: Checking or savings account

My paycheck has not been deposited in my account. My official pay day was XX/XX/year>. This issue is causing extreme hardship.
Product: Credit reporting or other personal consumer reports

Despite my previous efforts to resolve this issue, the fraudulent entries remain unaddressed, and I am profoundly concerned about the adverse effects they are having on my financial reputation. It is discouraging to witness these fraudulent items continue to harm my credit report, despite my persistent efforts to eliminate them. As a diligent consumer, I am dedicated to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that objective. I am reaching out once more to request urgent intervention to resolve this matter. I kindly ask for a comprehensive investigation into the fraudulent items on my credit report and prompt action to remove them. Additionally, I seek clarity regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this in mind, I am requesting your assistance to eliminate these fraudulent items from my credit file : Experian : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX TER XXXX, IL XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX =========XXXX  : XXXX  C XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX LRN XX/XX/XXXX =========XXXX  : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX IL XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX
Product: Credit card

On three occasions within the last thirty days, Chase Bank has sent me letters to my Chase online portal account to call a credit agency and release a " FREEZE '' on my credit scores so they can process a credit card application for approval These were all fraudulent applications.

I notfied Chase of the first two and they assured me they would put " notes '' on my account to prevent this from happening again.

It happened for the third time again today.

I hole one credit card with Chase and have no other relationships. 

I tried to notify Chase again today, but have been given no less than 4 different telephone numbers to contact.

I've spoke to three Chase agents today, one asked for my full social security number and date of birth ( not ), the second said they could not help me and the hold time for the fraud department was over 30 minutes and they provided me a number to call back, which was the basic main number for Chase Credit Cards.

I tried to use online chat, but it kept asking me for which existing credit card was I asking for help with and sent me back to the main menu for credit card.

Chase DOES NOT have a FRAUD flag attached to their Credit Card accounts which rejects online applications outright. This is XXXX! 

My only venue for relief is to close my Chase account at this point, but I can't be the only customer having this issue. 

There are NO OTHER fraudulent applications coming in from other institutions, as such, I believe this is also a CHASE DATA breach. 

Please advise.
Product: Checking or savings account

This complaint is related to complaint # XXXX providing additional info. 
I ended up closing related CD account because of not paying correct interest of which they have not resolved yet. 

I was charged {$920.00} plus not pd correct interest on acc This is clearly a bank error that they do not know how to solve
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that resulted in identity theft. As a consequence, several unauthorized accounts and credit inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX XXXX  Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$1500.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$95.00} Unauthorized Inquiries : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

Received a TRS recovery service letter trying to collect a debt from XXXX. Based on the information given from TRS, a purchase was made on a declined check at a XXXX store in XXXX XXXX, CA. I've never been to XXXX XXXX before. The check supposedly came from a closed bank account ( acc # ending in XXXX ) from XXXX XXXX I don't have any bank accounts with XXXXXXXX XXXX. The phone number they had on record ( XXXX ) XXXX is also inaccurate.