23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I make my payments about 10 days after the due date, therefore incurring {$15.00} fee each time. Even though it NOT 30 days past due. However, I still pay the fee by including it in my total payment adding it to my normal monthly principal and interest charge. However, Ally does not separate it out, nor do they have a process to mark it online or over the phone as including an extra {$15.00}. Instead, they keep applying the {$15.00} late fee to the principal and interest every month. Therefor, rolling over late fees every month as if I've not paid them when i have. 

I've tried explaining this to Ally on several occasions. They need to do a reallocation month over month. I've spoken to someone in XX/XX/XXXX, Spoke to XXXX on XX/XX/XXXX Ref # XXXX and XXXX in XXXX Ref # XXXX his employee id is XXXX. They continually state that because of the new year, and their system issues, they are not able re-allocate it in real time and then my request gets lost. They are not able to fix this while on the phone, they state they need to put in a special request and they " notate '' the account. This latest time, on XX/XX/XXXX, I just paid all the fees ( again ) along with my normal payment. The total paid on XX/XX/XXXX was {$690.00}. Then on XX/XX/XXXX they charged me an additional {$15.00}. Mind you, I have never been 30 days late on payment. Lastly, customer service is horrific. They don't listen, they only repeat their pre-arranged scripts and they make you wait on hold for over 20 - 30 minutes to talk to a manager. Each time i have called, i have had to explain the situation over and over again because I'm sure they didn't notate the account, and only told me they did. They fight with you telling you that you are wrong. They don't do as you request, even when only asking to speak with a supervisor or manager.
Product: Credit card or prepaid card

In XXXX of this year, Chase decided to include XXXX transactions as " cash advances ''. I reviewed their definition of cash advance, and a XXXX transaction does not qualify. To make matters worse, I received absolutely no warning of the change. No email, letter or other communication warned me that I'd be charged {$10.00} plus interest for every XXXX transaction. I've now been charged well over {$100.00} worth of fees. I've attempted to resolve this with the credit card company via phone, email and XXXX XXXX. Each time, I've been told that they tried to process a refund, but that the request was denied. I researched this matter on XXXX and learned that many other consumers have also been charged these unexpected fees and interest for XXXX transactions without any warning about the change of Chase 's policy.
Product: Payday loan, title loan, or personal loan

XXXX XXXX, XXXX I got copies of my XXXX XXXX XXXX credit report and noticed that XXXX XXXX XXXX was on my report. It says that I owe {XXXX. I never opened an account with this corporation. I sent them a letter asking to validate the debt and they sent me the contract with a signature thats not even mine. It shows no proof that the loan was mine besides my name and my new address that they got from my credit. Also it says that my XXXX from the XXXX was on XXXX/XXXX/XXXX but my XXXX was XXXX/XXXX/XXXX so that tells you right there that information isnt mine. Plus I never had a XXXX phone number.
Product: Credit card

Capital One credit card has an account and balance reflecting in my name and information on my credit files that does not belong to me This is a negative account and I have reached out to them for over a year and they have not resolved nor handled this urgent issue that is ongoing
Product: Checking or savings account

Dear CFPB Representative, TRUIST BANK charged the Checking account three maintenance fees of {$5.00} each totaling {$15.00} and their letter states the account was overdrawn. When there's a block on the account to avoid overages when funds are insufficient. This account has not had any activity to become overdrawn. 
Despite not receiving any notification of intent to Close this account ; which a Charge-off is considered a write off as a Loss, then Truist Bank imposed a {$30.00} Charge-off fee to the account which is unjustified. TRUIST BANK closed this checking account without initiating arbitration and/or an adequate resolution to resolve this matter before this unforseen action was taken. 
According to the letter from TRUIST BANK dated XX/XX/year>, the account was Closed and Charge-off as a loss, but a 1099-C was not forwarded to me as the IRS views a Charge-off as taxable income that holds me accountable to file taxes this XXXX  tax year.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you please verify the documents? There are errors in the reporting of some accounts, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my dispute results with your company through the medium of mail. I disagree with your findings. My credit report is to be fair across all three major credit reporting agencies as result you will come into compliance with XXXX findings that will be attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

two XXXX  XXXX Bankruptcies were added to my credit report the first on XX/XX/2022 the second on XX/XX/2022. These were later identified by XXXX XXXX and XXXX as not mine. I also have disputed XXXX fraudulent accounts with THE XXXX XXXX, and XXXX. The balance for XXXX XXXX {$1600.00}. The balance for THE XXXX XXXX IS {$17000.00}. I have filed police reports and FTC fraud affidavits. I have also supplied all bureaus with documentation from data furnishers stating that these public records do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified several items that are erroneous and require your immediate attention. The discrepancies are detailed below : CAPITAL ONEXXXX XXXX XXXXXXXX XXXX I request that XXXX investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). 

[ Item 1 ] : [ Description of the inaccuracy, such as incorrect account balance, wrong account status, dates, etc. ] I request that XXXX investigate these discrepancies and correct any inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any documents you are enclosing, such as receipts, statements, or correspondence with creditors ]. 

Please conduct a thorough investigation into these matters and provide me with a written explanation of the results. Additionally, I request that you notify me of any changes made to my credit report as a result of your investigation. 

I understand that you have 30 days from the date of receipt of this letter to complete your investigation, as mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation in resolving this dispute. Should you require any further information, please do not hesitate to contact me at the above-listed contact information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX  Company adress is XXXX XXXXXXXX XXXX XXXX XXXX  nv XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried getting this issue resolved with Equifax. I have spoken to the fraud team several times and they are not complying with my request. Under the FCRA anything fraud or unauthorized must be deleted from your credit reports immediately. THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( 2 ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company ( XXXX XXXX XXXX XXXX ) says the account has been closed since XX/XX/2016. XXXX reports the account as open.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX Account # XXXX XXXX XXXX service Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter from XXXX marked Confirmation # XXXX about a complaint I had filed with them concerning two hard inquiries on my report from XXXX XXXX, which they claim was reported to them as accurate, and that they had investigated to make sure these inquiries were indeed factual. On XX/XX/2019, I received a letter from XXXX XXXX about my questions about their inquiries to my credit report, and they state that the inquiries were not made by XXXX XXXX on the dates of the report. I feel this is a breech of service by XXXX, and this is a negligent act on their part.
Product: Vehicle loan or lease

I feel no one is listening to me at Honda Financial. Yes, i did fall behind my payments. Honda FinanciaXXXX next move was to block my ability to make electronic payment. It must be closed to a decade since i stopped making payments by snail mail. There is a high fee that customer service charge when you try to make a telephone payment. During the month of XX/XX/XXXX my county ( XXXX county Florida ) was declared a federal disaster zone. The rep from Honda financial stated in a rude way that everyone in Florida is trying to use the Hurricane Irma disaster as an excuse not to pay their bill. Yes, the Hurricane caused me Hardship. It destroyed part of my house a large tree, and spent week without electricity. Also, i was unable to work. I want to resolve this problem. I want to pay my bill electronically on the honda Financial website. If i have to call to make a phone payment I dont want to pay a fee.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking transactions were unfeasible. The CFPBs 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: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I got a new phone and locked myself out of online banking app didnt recognize my device, I contacted Chime member services multiple times and they adv that I Had send in document to the email which I sent dL, Phone bill with number, I also sent proof of address and I was told someone would get back to me within 24-48 hours no one reach out until the 3rd day requesting the same information and I adv them that I had already sent will send again. I called multiple times adv them that I need to use my account to pay my bills all my money is in account, which had cause my electricity to be shut off as well as phone bill, I spoke with several supervisor only thing they can do is send an email and esculate the case. I was told multiple times that someone is working on getting restriction off acct I have yet to get into account I continued to reach out and was adv that if I keep responding they are going to extend the time of working on my case please help I am a single parent of 4 and need to pay my bills,.
Product: Credit reporting or other personal consumer reports

RECENTLY I CHECKED MY CREDIT REPORT AND I NOTICED FRAUDULENT ACCOUNTS ON MY REPORT, CAN YOU PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, BECAUSE THEY ARE AFFRCTING MY REPORT AND MY ABILITY TO GET CREDIT.
Product: Credit reporting or other personal consumer reports

Discover is reporting a balance on my account when the information is inaccurate. I received a 1099c for the balance and would like for my account to reflect accurately according to the FCRA and FCDPA. Please update my account to XXXX based upon what was reported to the IRS. Please update my records accordingly. The information is on the copy of the 1099c.
Product: Debt collection

Nationwide Recovery Systems have absolutely destroyed my credit. For the past 10 years, this company has continuously reported an account for {$790.00} on my credit file. Every time the account falls off of my credit report Nationwide Recovery Systems as reopened it as a new account. This is in violation of the FTC. 


XXXX XXXX XXXX XXXX with XXXX XXXX XXXX has also done the same exact thing for the past 10 years. I have personally disputed these accounts with the Credit Bureaus but I have seem to be not successful with them. This is my last step before I hire an attorney.
Product: Debt collection

This account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank # XXXX Beginning XX/XX/XXXX account shows in Collection. This student loan was deferred due to the serious illness of my son. The account is not in collection. It was deferred to XX/XX/XXXX. 
Also, even though this loan was deferred, I continued to make payments of {$220.00} each month. 

It seems wrong that this account would show in collection when it was deferred and I continued to make payments. It was never explained to me that if I deferred the payment the loan would show in collection. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Negative reports in my credit bureaus not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 set my auto loan payment on automatic loan payment program for which it took effect on XX/XX/2020. In addition to the primary payment {$100.00} was put toward the principle payment. I called Wells Fargo Auto loan department to find out why the money was not taken out as scheduled on XX/XX/XXXX. The first customer service person stated that I did not have this program in place when I did. Once the customer service went on the website along with me, the person realized that there was an error with the system. I was told that I had to pay an additional XXXX which I did. 
Then from XX/XX/XXXX to XX/XX/XXXX the " system '' of the Wells Fargo Auto Loan Program did not know how to apply the principle as stated, then on XX/XX/XXXX I received an alert from F.I.C.O. credit reporting for late payment. I had to go into a branch to find out that the department changed Complaint executives without notifying me plus they physically reported my payment late when it was not late due to their system error. XXXX XXXX ( Acct # XXXX ) stated that they corrected their error on the same day but it will may take longer than thirty days. I have supporting documentation of the errors made on my payment history. The whole experience is depressing when a person has a excellent payment history. 
I had a perfect payment history manual and automatize until the system made the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle through XXXX XXXX XXXX in XXXX. I was on autopay for the entire 5 year loan. I have credit monitoring and noticed I had a 30 day late so I called the company. They explained that contractually I agreed to make the final payment not using autopay and that is why the last payment was not taken out. I asked them why they didnt send me a notice or give me a call as a reminder as I have paid on time the entire contract. The rep did not have an answer for this question. I asked him if he would remove the delinquency based on my situation and he agreed to do that and I made the final payment. 

This was back in XXXX or XXXX of XXXX and I checked a couple months later and it still was showing on my credit report. I called XXXX XXXX  and talked with a rep who said that the 30 day delinquency was valid b/c I contractually agreed to it. I went through the same story I did with the prior rep and she said that a request to remove the delinquency was never submitted and that I would need to do this through the formal dispute process. 

This is extremely frustrating given I paid a five year loan on time, through auto pay and had a XXXX  representative confirm he would remove the delinquency.