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

Opened a new Chase Total Checking checking account online on XX/XX/XXXX with a New Checking Account Bonus coupon code worth {$300.00}. Account was opened following online validation and debit card was ordered and online access set up. I scheduled an XXXX transfer for my opening deposit and submitted changes to begin sending direct deposits to the new account. The following day, I receive an email, " Important : Please contact us To help protect against fraud, we restricted and XXXX need to close your account soon. '' To contact Chase, however, my debit card number was required, but I don't have that yet! Without the debit card number, I was told to either to go into a branch with ID or wait until I receive my debit card arrives in about a week, but account would stay open at least 10 days to resolve this. On XX/XX/XXXX debit card arrived in the mail, but when I called again, I was told account is already closed even though 10 days had not yet elapsed, and it can not be re-opened! The bank claims this is all just because they could not verify my social security number against my phone number. My only option to resolve this now is to open another new account in the branch and start over from the beginning. However, too conveniently for the bank, I likely lost my {$300.00} Checking Bonus offer through no fault of my own, as the terms of the offer were that it expires on XX/XX/XXXX, and, as with all New Chase Checking Account Bonus offers, it stipulates that I am ineligible for any bonus if I've had a Chase account in the past 3 years, which now applies to me, despite how briefly the account was open and never being allowed to use it. Chase representatives can't help or modify the terms of an offer, all they can do is open another account. The account that I had was closed very impatiently by the bank in less than XXXX calendar days and through blaming me as being untimely in responding, under a guise of fraud prevention. I actually never even received a final notice that the account has been closed, it's like the account was actually closed on day XXXX and I never even had a chance! The rush to get me to make a trip to a Chase branch, which is very inconvenient, seems more like dishonesty by the bank, and seems more like an almost fraudulent way for the bank to invalidate my {$300.00} checking bonus offer without cause. My direct deposit scheduled for XX/XX/XXXX is also going to be returned because the Chase account was closed so abruptly and without fair and proper notice, delaying me from receiving my payment.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX 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! 


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

I approved one company to do a credit check and have had it do multiple inquiries on my credit as well as third party that I have not approved and not directly signed up for. I have been working so hard on my credit just gor it to be hurt by all of these people checking my credit when I don't want them to. I have disputed them and they just keep showing up.
Product: Money transfer, virtual currency, or money service

I was called by the XXXX XXXX chase fraud protection XXXX phone number and received a chase fraud text message. Informing me my XXXX and mobile app had been compromised and the rep was informing me how to reset it and redirect the sent money back to myself just using the same email and phone number I originally signed up with. I was not asked for any OTP, my social, or full card number and was even put on long holds and the person seemed like a genuine chase employee. This person walked me through resetting my XXXX and chase app. After being walked through on my app I was informed I would be receiving a call within 24 hours to regain access to my online banking, when I checked my account later I saw that $ XXXXand {$500.00} had been XXXX out of my account to one with my name on it. I then went into the trash of my email and found multiple emails with authorization code and receipts for the XXXX and XXXX from a XXXX  XXXX XXXX and a XXXX XXXX. When I called my bank 's fraud team at the same number that called me earlier to ask about this I was told No fraud member had called me that day and I may be the victim of phone number spoofing and sadly the fraud department would not be available until XXXX XXXX  on Monday. 

As of XX/XX/21, my claim has been denied due to the fact the IP address for these fraudulent transactions is said to be mine.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against Sezzle , Inc. for failing to remove an inaccurate late payment from my credit report despite providing clear evidence that my account was in good standing. Sezzles refusal to correct this error has negatively impacted my credit score, and I am requesting CFPB intervention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 


-- - Background : Sezzle Account Number : XXXX Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Disputed Late Payment : Reported as 60 days late in XX/XX/XXXX On XX/XX/XXXX, I contacted Sezzle regarding an inaccurately reported 60-day late payment from XX/XX/XXXX on my credit report. I provided them with multiple forms of evidence, including : A Sezzle-issued confirmation of balance letter ( dated XX/XX/XXXX ), stating that my account is current and has no outstanding balance. 

Screenshots of my XXXX report showing the incorrect late payment. 

A ZIP file containing the full email history between myself and Sezzle, including all interactions regarding this dispute. 


Despite this, Sezzle has failed to correct the inaccurate reporting or provide a valid explanation.
Product: Credit reporting or other personal consumer reports

I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card was notified about fraudulent charges back in XXXX of 2023. The company issued a new card and I was told that I needed to pay on the fraud charges while there is an ongoing investigation, Under the Fair Credit Act it is illegal for any credit card company to seek payment on disputed/fraud charges, The employees of XXXX have no idea what they are doing and communication with the company is lacking. My credit report is now showing a late payment on fraud charges. This is a violation of my rights and that is why I am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, had 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 with out my written instructions.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I received a text on XXXX from an XXXX user name XXXX, I knew XXXX from XXXX. The message was to me individually and stated that an investment in bitcoin for {$500.00} could help you make {$1000.00} in a few hours. Inwas skeptical about the message however XXXX continued to converse with whom I thought was XXXX XXXX to inquire more. The person who sent me to another person 's account who was supposed to be a XXXX  investment person. This person walked me through the " process of investing on the bitcoin ''. They had me walk through a variety of steps that didn't work, then they sent me to a bitcoin website for me to register... they then said I had to send the XXXX to XXXX  cash app to invest it into the bitcoin. After meticulously walking me through the steps they had me log in to see my " investment ''. It took about 15 minutes which I know now was time for them to steal my money. After I was having trouble logging back in to the website.They sent me a website in which was supposed to have my bitcom money of XXXX. They asked for my recovery number becauss when it was time to tradd the money disappeared. I stupidly thought it was for the money to be traded. My boyfriend amd I were in desperate need of cash flow which is why I was overly naive in this situation and the conversation with someone I know and trusted lasted fir a length of time s in need of cash flow and because it came from someone I trusted I thought it was legit. They then signed me up for a fake website XXXX  XXXX  and XXXX  XXXX. The phone number they added to my XXXX  account was XXXX the location was from an XXXX phone in XXXX XXXX, NY. I really want them prosecuted. My instagram login has always been with email XXXX and via my phone number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit card or prepaid card

I made a promotional purchase using a Synchrony XXXX store card on XX/XX/XXXX for {$3200.00} at 0 % interest if paid by XX/XX/XXXX. I declined to accept the " card security '' offered with the purchase. In XX/XX/XXXX, I discovered that I was being charged for card security despite declining. I called Synchrony who agreed to refund the card security charges as well as the interest charged to that point since it was due to the card security charges. At this point, the total amount charged in interest and card security was {$270.00}. Synchrony only refunded {$260.00} on XX/XX/XXXX. Over the next 6 months, Synchrony continued to charge interest. The total charged from XX/XX/XXXX through XX/XX/XXXX was {$10.00}. The total interest charged was {$24.00}. When informed of their mistake of continuing to charge interest, Synchrony agreed to refund the {$10.00} charged since XXXX, but refuses to refund the remaining {$14.00}. Because I never agreed to the card security charges and only made one interest-free purchase, Synchrony should never have charged interest and should refund the remaining {$14.00} immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND A LETTER TO EACH CREDIT BUREAU BY XXXX ON XX/XX/2022. THE TRACKING NUMBERS ARE AS FOLLOW ; TRANSUNION # XXXX, XXXX # XXXX AND XXXX # XXXX. I GIVE CLEAR INSTRUCTIONS TO REMOVE INFORMATIONS I DONT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802. NO FINANCIAL INSTITUTION SUPPOSE TO SHARE MY INFORMATION TO A THIRD PARTY PEOPLE. 
THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Product: Credit reporting or other personal consumer reports

Please consider this as my refilling complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

This company contacted me asking me to verify my information without telling me who they were or what the call was about. They continue to try to get me to say yes, or affirm my information in a very threatening manner. I would not verify because I felt it was a scam. They disconnected the call. I called the number back, asking them why they were calling me and then they gave me my wifes information instead of mine, saying they were not looking for me. They were actually looking for my wife. I told them that I was recording them the same way they were recording me and they hung up on me. I spoke with the supervisor XXXX during the call when I called back after he hung up, I called them back again and another gentleman by the name of XXXX answered the phone and said that it was my debt but he did not have the correct Social Security number. I asked them to remove my name from Their system and delete any information they have about me.
Product: Bank account or service

For XXXX and XXXX charges was charged XXXX dollars in over draft charges
Product: Credit card or prepaid card

XXXX XXXX XXXX says the the cut off time for payment is XXXX. Every other store card or credit card, the end of the day is considered midnight. I do not understand that? Last time I was flying in, no internet and they said they can not remove the fees. The end of the day is midnight, so late fees should not be charge if the payment is made at XXXX on the same date. It really crazy!! 

Thanks, XXXX XXXX Any payments submitted after XXXXXXXX XXXX. XXXX on your due date will be applied to your account the following day, incurring a late fee. 
We have credited the late fee of {$41.00} to your account as a one-time courtesy. You can expect to see the credit applied to your account in XXXX business days. Please make sure that we receive your full minimum payment by your scheduled due date to avoid any further late fees.
Product: Credit reporting or other personal consumer reports

Today as I logged in to XXXX XXXX and under the XXXX. Score a fraudulent account has been entered onto my XXXX Card stating that a Payment was missed for the amount of {$410.00}, but does NOT show any " Business Name '' or " Dates '' and claims it's been owed for " 4 years ''. This is an intentional disruption of my once XXXX XXXX. score, XXXX XXXX website " Block any and all attempts to log on ''. Banks are inputting " Fraudulent Directory information for the sake of causing financial hardship, then blocking access to Dispute the Fraudulent Information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Student loan

I received an email today from Edfinicial Services. It said I owed money on XX/XX/XXXX. I have never received any email from them about my account prior to this. I was aware that my student loan was going to be taken over by another company but have yet to receive an email from the new company. I tried calling the phone number provided and it said I entered an invalid social. I tried going to the website and it said I had the incorrect information. The email I received also had a snippet that gave awareness about emails from scammers. Oddly enough the email address it came from was NOT one of the emails listed for where I would receive emails from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : Unknown Account Name AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX, I called Wells Fargo because I noticed that my high interest CD, opened in XXXX, had withdrawals for federal income tax. I started banking with Wells Fargo more than 10 years ago. I also have a savings account with Wells Fargo that earns interest. There is no backup withholding on this account. Wells Fargo issued a XXXX 1099-INT ( and earlier years ) for the savings account under my social security number. 

When I called Wells Fargo for an explanation, a representative claimed that Wells Fargo didn't have a certified social security number for me on file. This is not true as is evidenced by the XXXX  1099-INT issued by Wells Fargo for the savings account. Wells Fargo never notified me that my CD was subject to back-up withholding. No other 1099-INT issued to me by other banks shows backup withholding. 

Because of the withdrawals for backup withholding of federal income tax by Wells Fargo on the high interest CD, it earns less interest. The backup withholding rate is about 24 %. Because of the backup withholding, Wells Fargo now pays out less interest than legally required.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called XXXX XXXX to get it corrected and they gave us the run around and refused to correct their obvious error. XXXX refuses to remove late payments assessed during XXXX Forbearance despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove the from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft AFFIRM INC Account Number : XXXX This is not mine.