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

I closed my account because the account was not good. I kept getting funds removed on several occasions. I had XXXX in the account and only received a check for XXXX cents. Reached out to them only to say due security reasons they can not help me. I complained or try to complain to a supervisor and could not get this solved. Taking it legal now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit repair journey began in XX/XX/year>. I called and reported Name, address and account discrepancies with each agency, XXXX, Transunion and XXXX. Then I filed a complaint with CFPB to remove negative reporting after attempts in writing to correct accounting with each creditor on my report. Notices of Billing Errors were sent to each creditor along with 1099s to alert them to their fraudulent claims and negative reporting to each credit reporting agency. Some of the reporting was removed but as of today the reports are not identical and are still showing negative remarks. I requested these to be removed in writing to each agency on XX/XX/year>. See XXXX 's copy of letter below highlighting each of the elements in the report that needed to be corrected and they Code 's and consumer laws supporting my demands. I am including the current credit report comparing each agency 's report and they are still not showing the updated/correct information and most are incorrect.
Product: Checking or savings account

I was notified of account being closed on around end of XXXX of XXXX. Was told that the funds would be returned after 60 days of account being closed. It has now been over 100 days. I spoke with bank representatives but no one would tell me when the funds would be return to me.
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX until XX/XX/XXXX, upon my release it was discovered that my identity had been stolen during my incarceration. This person had access to all of my personal information including bank accounts and credit cards. I notified the bank of the situation and they did an investigation, I was later notified that the monies transferred from my account would not be reimbursed because they do not believe there was a fraud involved. I have legal documents to prove that the transactions could not have been made by me as I was incarcerated, the bank did not allow me to prove this to them by asking for such documents. I am currently out {$1300.00} from my checking account.
Product: Mortgage

A late fee of {$39.00} was assessed to my XX/XX/XXXX mortgage statement for account XXXX on XX/XX/XXXX. My mortgage was not late on this day. 

Seterus received 3 mortgage payments from me via Priority express mail where I mailed 3 separate checks to cover 3 separate mortgages of different addresses in XX/XX/XXXX. 

Seterus chose to credit the payments for the other 2 mortgages on XX/XX/XXXX, but held off on crediting account XXXX until XX/XX/XXXX. 

I have a 16 day grace period under account XXXX before a late fee is assessed. However, a late fee was assessed to this account on XX/XX/XXXX, when Seterus had in fact received the payment well before this date. 

Even if Seterus had received the payment for account XXXX on XX/XX/XXXX, they should NOT have assessed a late fee to this account. 

Seterus will not remove the fee from my account, and thus, I am asking your office to intervene on my behalf. 

My mortgage statement for XX/XX/XXXXshows a late fee assessed to account XXXX on XX/XX/XXXX. 

Also, can you ask Seterus to STOP sending me out double mortgage payment statements for account XXXX, as this seems like intimidation to make me pay 2 months of mortgages ahead of time. I have the right to pay my mortgage on the dates due and should be assessed a late fee if the payment is late, but Seterus does NOT have the right to force me to pay mortgage payments ahead of time, nor should they assess late fees to me on dates when fees should not be assessed. 

Thank you in advance for your assistance.
Product: Debt collection

An account was opened in XX/XX/XXXX for a collections account from XXXX XXXX My credit was involved in XXXX data breach and was used multiple times to obtain goods/services that I have been having to dispute including leasing an apartment in my name. It appears the alleged person lived in the XXXX XXXX XXXX XXXX XXXX XXXX and I have been living at my current address since XXXX.
Product: Credit card or prepaid card

Hello, and thank you for taking the opportunity to help out with my concern. 

I wanted to please reach out regarding an incident where Discover potentially may have mistakenly reported me late by accident. 

When I logged in to make a payment on my Discover card, I was offered a payment plan that I would lower my interest rate and decided to naturally take advantage of it to lower my payments. 

A promise to lower my payments, as well as give me a lower interest rate plus allowing me to still have the card open an active allowing me to spend if needed. 

When I set up the installment plan, it would not allow me to modify anything beyond that. I was unable to add the payments that I am familiar with to update it to the correct checking account. 

I attempted to rectify the situation by modifying the bank account however because it was a schedule payment under that special financial plan it did not allow me to modify the banking details. 

Instead, when the payment was rejected, I had already processed the payment the same day to bring the account current as I have never been late before. 

When Discover proposed the payment plan, I was trying to make a payment earlier on to bring the account current. However, when the payment plan was set up, Discover did not allow me to make modifications, and instead bundled both the past due, and the bundled payment for the plan together, and when that payment was rejected, I was reported late, which is completely unfair.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX I  am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received an updated Experian credit report or score since XX/XX/2022. My address of 16 years has been removed from my credit report. I since the requested documentation and it was confirmed 4 times that it was received. Each time I was informed that my report would be updated in 24 to 72 hours. It has not happened yet. I am a human and living being and my rights are being violated. Please help me
Product: Mortgage

Ocwen Financing is reporting a duplicate mortgage and have refused to remove the account which shows a duplicate account by them. Including XXXX XXXX XXXX has a duplicate account on my credit report.
Product: Credit reporting or other personal consumer reports

I just noticed XXXX XXXX XXXX XXXX on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with XXXX ever. 
Partial account XXXX XXXX from my credit report XXXX XXXX
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$2000.00} FXXXX XXXX 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 XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I was released from the XXXX I contacted XXXX XXXX  customer service department and explained to a XXXX XXXX XXXX that I had been XXXX XXXX XXXX XXXX XXXX XXXX which caused my payments to late. The original amount I owed on the XXXX XXXX XX/XX/2022 statement was only {$34.00}. When I released from the XXXX in XX/XX/2022 the amount owed on the XXXX XXXX credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The XXXX XXXX representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about XXXX XXXX reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The XXXX XXXX representative told me she would notate my account that had been affected by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which caused the late payments. My XXXX XXXX bill had always been paid on time until I got XXXX with XXXX XXXX 

Per the guidance provided by the XXXX XXXX website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX XXXX XXXX would not report a late payment. 

Unfortunately, even after all the public assurances given on the XXXX XXXX website and by the XXXX XXXX representative I spoke with, XXXX XXXX did and continues to report late payment ( s ) to the credit reporting agencies, Transunion, XXXX and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to XXXX XXXX customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me contracting XXXXXXXX XXXX XXXX XXXX. I also attempted to contact XXXX XXXX XXXX office via email but did not receive a response from XXXX XXXX via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

Chase customer service refused to abide by previous phone conversation when an error was made into account I was charged {$23.00} unnecessarily and they refused to credit me with that amount despite their previous advice so I closed the account with a XXXX  paid off balance awful customer service that put me nerves on end. My credit is excellent so theres no reason to lie like this avaricious and despondent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc.,  that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Debt collection

Enhanced Recovery Company is trying to collect a debt on behalf of XXXX for the amount of {$1300.00}. It's reporting on all three of my credit reports as a collection account. Account # XXXX. They verified the account but has yet to send me proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent of such proof, they must correct any erroneous reports of this past debt as mine. They have threatening me over the phone using abusive language which is a violation of the FDCPA. 

I have writing Enhanced Recovery to request that they please provide the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Please evidence their authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
They have yet provided this information which is in violation of the FDCPA
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I have contacted JPM Chase Bank to dispute the amount of {$320.00} billed to my credit card by Student Universe on XX/XX/XXXX. 
Chase then sent me a form asking me to fill this form and to attach supporting document. I filled in that form and attached the supporting documents ( this form is attached to this complaint ) which I send by fax to Chase on XX/XX/XXXX. 

However, Chase then closed my dispute without contacting the merchant, Student Universe. In their letter ( attached ), Chase stated that there was " no billing error ''. 
However, I never claimed that this was a billing error. I stated that the Merchant owed me a refund as indicated on the form that I submitted to chase. 

I then called Chase on or about XX/XX/XXXX. I had a long conversation with a dispute specialist who told me that Chase did not look at the documents that I submitted and closed the dispute out of hand. 
This representative then asked me many questions about the charge and my dispute. 
She told me that she has reopened the dispute. This was all done on XX/XX/XXXX. 


However, when I called on XX/XX/XXXX, a Chase dispute representative told me that my dispute was closed again, for the second time, and without an investigation. She stated that chase did not have enough information although I have provided a filled form and answered all questions about dispute during the phone conversation on XX/XX/XXXX. 

The representative on XX/XX/XXXX told me that I had to write to chase to reopen a dispute, but she told me also that chase did not notify me in any way about the second closing of my dispute. 
This was in direct contradiction to the conversation that I had with Chase on XX/XX/XXXX when I spent about 1 hour talking to chase dispute specialist and gave them all the details about the details. 

I asked to talk to a supervisor and was connected to a person who introduced herself as XXXX. I told her that I will complain to Federal Consumer Protection Bureau about the violation of my rights under Federal Fair Credit Act. However, XXXX refused to reopen my dispute and hang up on me. 
She used a XXXX slur to refer to me. 

Chase is violating my rights under Federal Fair Credit Act. I request that CFPB investigate my complaint and sanction JPM chase bank for violation of my rights and for a XXXX discrimination against me.
Product: Vehicle loan or lease

American Honda Finance account number is not fairly and accurately reporting to XXXX XXXX and until recently XXXX.The problem is my late payment history which reports vastly differently on all 3 credit bureaus.I have attached the recent bureau reports within the last week for proof.

The late payment history occurs not from my ability to pay ( I could afford 5 or 6 XXXX dollar monthly payments ) but from a technical problem with auto-pay, the Honda website and my banks ' security problems with large online payments.I will send a payment in and the bank will tell Honda to send it back and HONDA DOES.I never received notice of the numerous incidents in time to avoid the lates.It became confusing but now I attend to each payment as if my bank and Honda wouldn't do their jobs correctly.

I would like my credit reporting to be altered to acknowledge the above and would hope that my payments would always be credited on time.XXXX has only 1 late but the others have more than 10 yet they are all different months with the exception of 2 or 3.Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a wrong address on my credit report via Equifax. I sent a letter to Equifax letting them know there is an address in my report that has never belonged to me and I feel like there is an account being reported on my credit report attached to that address. I feel like it is negatively affecting my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

On-Site corp., is a background reporting agency, contracted by XXXX XXXX. 
On-Site reporting agency. On-Site.com, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
This agency reporting inaccurate information. The agency alleged they are using Information they say is pulled from both three national reporting agencies, the XXXX data base, and the residing XXXX XXXX XXXX XXXX data base. 
Their charging customers monies then requesting the customer to present legal documentations to dispute and qualify for the right to lease. 
The agency request client to retrieve and forward information to an assigned link. Each time a report need to be generated. Each request is a new charge in monies and the system do not upload current updated information. This is the client responsibility. 
The both XXXX XXXX and On-Site XXXX, are taking a advantage of low income and disable individuals during their application process. The property are governed under, XXXX XXXX XXXX XXXX XXXX, XXXX program, XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

did not authorized transaction. 
XXXX XXXXXXXX XX/XX/22