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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 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: Debt collection

I did not file for bankruptcy but that was the closest link match what has happened. I am being contacted by email ; the company TrueAccord Corp . The amount is XXXX. I checked my credit reports and this debit is not on my XXXX credit reports. Please assist. 

Thank you
Product: Credit card or prepaid card

I received a XXXX XXXX from Square with my name on it, correct address, etc. 

I do not, and never have had, a Square account. When I called to ask them why I got this they cancelled and were very cordial, but I have no idea why this would've been sent to me, and don't see any glaring signs of fraud / identity theft with other accounts. Looking online it was recommended I file a note with the CFPB to review- it appears I'm not the only person this has happened to.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. 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 you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed XXXX {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  XXXX Balance Owed : {$930.00} XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I asked for Equifax to show validation and even go more in depth of the chapter XXXX bankruptcy on my credit. They refusal to investigate more in details. I reached out to the courts that Equifax provide me with and I spoke with the court of clerk and I was advise they do not verify anything with the credit bureaus or provide any information to them. How is this account verified?
Product: Checking or savings account

i have been banking with navy federal for years maybe 10 years. On Countless occasions i have been charged overdraft fees for their mistakes.
Product: Mortgage

Failure to provided FDIC XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX which is fraudulent concealment. Failure by Everett Financial Inc. DBA XXXX Supreme Lending XXXX return all funds to me within 10 days of my recession of all documents.
Product: Checking or savings account

i am POA on my Brother-in-Laws account with Wells Fargo in XXXX TX, I was recently XXXX  from XXXX through XXXX. During my XXXX  I had {$3600.00} fraudently withdrawn from the account, when I was XXXX  and realized that it had happened I went directly into the bank and explained my situation. They submitted a claim, and decided to deny my claim on the grounds that I had the word duckie which represented my pin number XXXXXX written on my insurance card in the glove box of my car and my Wells Fargo card was in my wallet underneath the driver side floor mat. This does not seem right for them to deny my claim on these grounds! I did not make the charges, I was in XXXX   XXXX!!! I filed a police report and gave them them case number but it doesn't seem to matter to them! They told me my only option was when or if the police catch the person responsible, I could take them to small claims court?!? I consider their denial of my claim to be a inaccurate and unjust decision and I think this is not a proper or legal resolution! Please advise me what direction I should follow to solve this travesty!! 
( also upon researching the statements the claim # XXXX was submitted in the amount of {$7700.00} containing 98 transactions when the total is actually is {$3600.00} with 54 transactions ) Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated challenges I have faced in correcting inaccuracies on my credit report. Despite numerous attempts to address this issue, late open accounts persist, and I have encountered difficulties in removing late closed and charged-off accounts. These inaccuracies are causing substantial harm to my creditworthiness and overall financial standing.

I have attached copies of my credit reports highlighting the specific late open accounts, late closed accounts, and charged-off accounts, along with supporting documentation that demonstrates the inaccuracies.

Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress. I am well aware of the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed.

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly correct the late open accounts and remove the late closed and charged-off accounts from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to resolve the inaccuracies.

If my concerns are not addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open account and removal of late close and charge off in my credit file : 1. XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. XXXX  XXXX XXXX Balance : {$240.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3. XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
4. XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
5. XXXX XXXX XXXX Balance : {$430.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
6. XXXX XXXX XXXX XXXX Balance : {$790.00} - 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. Please remove this item immediately.
Product: Checking or savings account

Friday XX/XX/XXXX I won money sports betting and XXXX $ was placed into my chime account I noticed chime had taken XXXX $ of it and named it as settlement fee I was left with XXXX $ I only noticed because of the betting I had slowed down on using chime due to high volume of people with that bank have found that they were being scammed and money was being stolen from them I didnt believe cause it had never happened to me but once this happened I looked back at all my transactions and sadly this wasnt the first time they had sneakily stolen XXXX $ from my paychecks since I opened my account and I never noticed. I proceeded to call to get it figured out and they told me that I owe them money from using XXXX XXXX  keep in mind my XXXX XXXX  started out at only XXXX $ as a limit so there is no way you can use your card past the XXXX $ limit my limit has never risen from XXXX $ since I opened my account in 2023 I was very upset they said they could no longer help me it just is what it is so Im taking further action maybe even sue this company because I have heard multiple people saying money had been taken from them and I dont mind a monthly fee for a bank account but XXXX $ fee reoccurring is outrageous and unheard of I will take any help I can get at this moment going about getting my money back soon as I do I will be deleting my account anyone who values their hard earned money should as well if I would of known about this prior to opening my account I would of never started with them they should be sued and I will do everything in my power to make sure they get shut down and no one else suffers from this scam.
Product: Mortgage

I purchased my 2nd home in XX/XX/XXXX for XXXX XXXXXXXX and began making monthly payments in the mid $ XXXX. Escrow included home insurance, taxes, and PMI. My loan was sold to PHH shortly after I purchased the home. I've never had any sort of issue with a mortgage company and never had a reason to call a mortgage company. Last year I was issued a {$3900.00} rebate check from PHH and my monthly bill was lowered to mid {$2500.00} 's to account for the overpay. That made sense to me. I always received a rebate with my previous mortgage company. I was set up for autopay and never missed a payment. 

In XXXX of XXXX I was issued a monthly statement in the amount of {$3200.00}. It was by sheer luck that I even checked my statement. Since mortgage bills don't change very much and I was set up for autopay I'd just check my bank account every month and see about $ XXXX going to PHH XXXX I've spent over 10 hours on the phone with PHH during normal working hours and their customer services reps based overseas. I am not exaggerating when I say that each one has given me different reasons for why my escrow has been recalculated. When I ask to speak with someone in the escrow department or the tax department I'm told I'm not allowed. 

I'm now told that there was a " shortage '' in my tax payment, despite 2 PHH customer service reps confirming that a tax increase was not the reason for the tax shortage. I can't speak to anybody within PHH who can explain to me what happened or how long the increase in my bill will last. 

This is all a bad dream. I budgeted monthly expenses for the entire year based on my mortgage payment being around {$2600.00}. It is now $ XXXX indefinitely. This is twice as high as my highest mortgage payment with my previous home. I fully acknowledge that interest rates play a role in this, but PHH doesn't want to acknowledge that I bought a house within a certain budget and stuck within that budget because having a monthly mortgage payment over {$3000.00} would have a significant impact on my life.

There is no accountability with PHH. This is essentially mortgage malpractice and PHH doesn't care because they only people that are held accountable for PHH 's errors are PHH 's customers. 

I apologize in advance for my lack of eloquence with this transmission. I am frustrated beyond measure and simply can't take any more time away from work making empty complaints like this that won't persuade PHH to work with me or make changes to prevent this from happening to somebody else. I am astonished that PHH can make an error a year ago that leads to a 26 % increase in my mortgage bill and I am the only one that has to deal with any pain from this error.

Help. Please. 

Best Regards, XXXX
Product: Credit card or prepaid card

A payment of {$190.00} made on XX/XX/26 has been placed on hold for XXXX days when the payment method has been used several times in the past without any returned payments.
Product: Credit card

American Express is working in collusion with XXXX, which is unlawful in the United States. I purchased tickets from XXXX on XX/XX/XXXX. Delivery was promised within 10 to 14 days at time of transaction. XXXX has been unable to deliver the tickets and agreed to provide a refund. However, no credit was issued. I contacted American Express to initiate a dispute. American Express stated that do not accept disputes from XXXX regardless of the situation ( due to their partnership as Amex makes money off of XXXX ). Regardless, it is illegal to charge someone for an item that can not be delivered under the transactions terms and American Express is not acknowledging that. I spoke to Amex representative in XX/XX/XXXX who agreed to have his supervisor override the system to initiate a dispute. But when I checked back, no dispute was ever initiated. Now, XXXX can not deliver tickets, promised refund, did not provide refund AND American Express refuses to initiate dispute, then promised to initiate dispute, now refuses to initiate dispute and has collected {$330.00} for a fraudulent transaction by honoring their partnership with XXXX ( aka XXXX ).
Product: Credit reporting or other personal consumer reports

The unauthorized inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be verifed ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXX
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 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 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
Product: Debt collection

National Credit Systems Inc st ated that I owe {$1000.00} To  XXXX   XXXX  Apartments. I have been to the apartments which no longer exists and to the courts which no longer have any records of this
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages..If you do not remove it from my record, please provide me with written proof of every detail shown in your entry.. Remove unauthorized inquiries done by XXXX XXXX  - XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a check in the mail for {$2800.00} from a company called XXXX XXXX XXXX. They told me that if I put a wrap on my car advertising the XXXX logo I would get paid weekly. They told me to wire money to the person who would be putting the logo sticker on my car and keep the rest of the check as my first payment. My bank allowed me to deposit the check. So that same day I wired {$2200.00} to the person who was going to put the logo on my car. The next day on XX/XX/2022, my bank, which is Bank of America took {$2800.00} away from my account. That left me with a balance of negative {$1700.00}. I lost {$250.00} dollars of my own money and now have to pay back {$1700.00}. So in total I lost {$1900.00}. When I asked my bank to cancel the wire transfers they said there was nothing they could do. If the check was a counterfeit check my bank should have never allowed it to deposit into my account. I am now almost {$2000.00} in debt and can not pay my bills.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a check for XXXX on XX/XX/XXXX seven day hold was placed, which is fine, funds are suppose to be available XX/XX/XXXX and now it's on hold until XX/XX/XXXX, how is that even possible? Not a foreign Check! Informing me they are closing my accounts with no details provided
Product: Credit reporting or other personal consumer reports

I returned from holiday to find alerts that there were two fraudulent hare credit inquiries on my credit report -one from XXXX and one from XXXX. Was told neither application was granted as of yet and that they would in fact be denied, and the hard credit check would be removed from my credit reports.
Product: Checking or savings account

I applied for a job and they sen me a check to be cashed and become   XXXX   XXXX   XXXX  . I had no idea that this company was fraudulent and that eventually the check would turn out to be a fake, due to the fact that Chase Bank cashed the check and allowed me to make withdrawals. I was a victim of fraud and it costed me my bank credibility. I filed Chapter  XXXX  Bankruptcy in hopes of clearing up the matter and that someday I could again obtain a regular checking account. I am in need of a clearance so that I can have my  Retirement  Check directly deposit to a reputable bank. I cleared up any old debts that I had and still can not obtain a decent clearance from  XXXX . My regular Credit Report scores have gone up and I have few debts. I even took care of all of  my Student  Loans. I filed Bankruptcy  for Chase ,   XXXX    XXXX   XXXX  even though I was the victim of fraud ; I got nothing out of it except loss.