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

X/X/2017 card an unauthorized use of debit card at an ATM at XXXX XXXX XXXX XXXX in XXXX, indiana. XXXX transactions, consecutively. # 1 for {$100.00} + {$3.00} fee # 2 for {$100.00} + {$3.00} fee # 3 Chase stopped the charge. Received email from Chase at XXXX about charges. Email attached. Email opened between XXXX-XXXX on X/X/2017 Immediately clicked Link to say NO these are not my charges. XXXX XXXX XXXX XXXX XXXX XXXX Link said they would call me and stop my card. Nobody called. I checked my online account multiple times to ensure additional charges were not being incurred. Clicked the link in the email multiple times on X/X/2017 because I did n't receive a call. On XX/XX/XXXX I called Chase to ensure my account was closed and to get a new card. On X/XX/2017 Chase reversed my fraud claim with this reason : 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while reviewing my account ). Called XX/XX/XXXX to dispute again, Chase advised to go file a police report and then fax it to them to reopen the claim. Called police on XX/XX/XXXX, they said to come in Monday. Filed police report XX/XX/XXXX. Purchased police report for {$6.00} to send to Chase via fax. Paid {$5.00} to fax police report to Chase on XX/XX/XXXX XX/XX/XXXX Chase denied my fraud claim again. Called Chase XX/XX/XXXX to dispute. Advised that my claim was denied again. 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while  reviewing my account ). Additionally, Chase said I never clicked the above link from the email. This is 100 % inaccurate and they must have an issue with their link/email tracking, as I clicked the link over 3 time. Still can click the link today and nobody calls. I should not be penalized because their method of fraud alerts does n't work when customers respond. Had the email said, call us right away if these were n't your charges, I would have called, but they did n't not do that. They said click this link - I did. Their link failed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my consumer rights. I have a right to complete and accurate information in my file. Equifax is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.
Product: Mortgage

On XX/XX/ a payment was made to Selene Finance. On XX/XX/ I received a statement from Selene Finance dated XX/XX/23. It clearly states that a full payment is sitting in unapplied funds dated XX/XX/ If a full payment is sitting in unapplied funds when the statement was generated on XX/XX/ it Clearly states it was not being applied even 9 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services placed a hard inquiry on my credit report. I did not authorize this inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX 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 MONTHS REPORTING LATE 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. 

This company 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: Credit reporting, credit repair services, or other personal consumer reports

My credit card account with Discover was opened XXXX XXXX, XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Discover, via phone, that my bank account on file experience fraud and I had to change the payment account with Discover to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Discover kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Discover. I've reached out to Discover several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Discover should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Product: Credit reporting

My XXXX account has been paid in full as well as XXXX
Product: Credit card

My mother passed away on XX/XX/XXXX. At the time, she held a credit card with Truist Bank with a balance of {$310.00}. As soon as the death certificate was available and the estate was registered with the local clerk of court, I notified Truist of her passing and provided them with the documentation. I told the branch representative that I wanted to pay off my mother 's credit card balance as of the date of her death. Note that my mother paid her card off monthly, and there was never any interest owed on her account. Even though I provided the requested documentation and have spoken many times with the appropriate departments, they continue to charge late fees and interest fees. They refuse to reverse any of these charges except XXXX month 's worth. As the executor of the estate, I am required to close the estate account by XX/XX/XXXX, but I can not because of this open item. 
Truist 's handling of this matter is not only wrong, it is extremely distressing. They continue to send my mother ( as though they are not aware of her passing ) letters demanding payment in full. I consider this to be inexcusably horrible customer service and would like a resolution immediately.
Product: Credit card

I have consistently ensured that payments on this account are made promptly and never overdue. I'm puzzled by the reports indicating late payments. As per 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting these 2 companies below AccountXXXX XXXX Company- XXXX  Account number- XXXX
Product: Credit card or prepaid card

I am on 'Stay at Home Orders ' because of Covid19 since XX/XX/2020. I work part-time so do not get a paycheck while furloughed/Whole state is shut down due to Covid19. I sent Discover Card {$100.00} on XX/XX/2020 toward my XXXX payment of {$450.00}. They called me 5 times on XX/XX/2020, I picked up and talked to them to see what they wanted. They want {$900.00} by XX/XX/2020 that I don't have! I told them I am on 'Stay Home Orders ', don't get paid, and I work only XXXX at a XXXX  which is Non-essential business. The young man was talking fast and pounding me to say I would pay them {$900.00} that he gave me a XXXX XXXX! I asked him to lower my interest rate, make my monthly payment small, told him I want to pay but don't have it now! I was in Panic Mode and couldn't understand him any more and I told him that. He said he would mail me my bill but nothing has changed on it. Yesterday XX/XX/2020 Discover card called me 11 times and it happened to be the day my kitty died in my arms ... 11 phone calls in one day constitutes Harassment! I need them to work with me and stop the phone calls! Send it to me in writing.
Product: Credit reporting or other personal consumer reports

The deadline to file an Extended Claims Period claim for Out-of-Pocket Losses or Time Spent that occurred between XX/XX/XXXX, and XX/XX/XXXX, passed on XX/XX/XXXX. 
I was not informed through email, letter, text or phone call of the breach. I saw an ad for this breach. I searched duckduckgo website for the class action settlement. I found the EQUIFAX Class action settlement site. I then performed the identity data breach search to clarify if my data and personal information was leaked through their service or company site. I discovered my data and information was leaked through this breach. I emailed EQUIFAX seeking answers as to why I was not informed of this breach. They proceed to tell me they were not able to find my information. I responded with screenshots of their website showing my data was involved in the breach. They responded by telling me it was too late for them to do anything. This breach occurred XXXX through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTE THE ACCURACY OF INFORMATION IN MY CREDIT REPORT. I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT FROM EXPERIAN AND DISCOVERED THAT THERE ARE ADDRESSES LISTED THAT DO NOT BELONG TO ME. I HAVE ATTACHED A COPY OF MY CREDIT REPORT WITH THE INCORRECT ADDRESSES REFERENCE. ALSO, I NOTICED THAT SOME ELES NAME IS ON MY REPORT. WHICH MAKE MY REPORT INACCURACT. 

( ADDRESS ) NAME : ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ) I WANT TO EMPHASIZE THAT I HAVE NEVER LIVED AT ANY OF THESE ADDRESSES NOR HAVE I HAD ANY ASSOCIATION WITH THEM. THIS INCORRECT INFORMATION COULD POTENTIALLY AFFECT MY CREDITWORTHINESS AND FINANCIAL STANDING, AND I AM CONCERNED ABOUT THE POTENTIAL NEGATIVE IMPACT IT MAY HAVE ON MY ABILITY TO ACCESS CREDIT OR SECURE LOANS IN THE FUTURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Debt collection

I received 17 called in four days. I have told the company, Receivables Performance Management multiple times that I did not owe the debt from XXXX. My account was closed with XXXX in 2017. I went on a payment plan with them to pay over a XXXX dollars. I paid the amount in full. I never received a letter or call from XXXX for three years. The last two months I started receiving numerous calls from XXXX XXXX XXXX stating I owed a balance to XXXX. When I tried to explain that I paid it in full, they ignored me and tried to get a settlement. I was even told I would not be able to buy a house if I did not pay this off. They originally stated that I owed {$170.00} and then came back and stated I owed {$200.00}. I called XXXX and they were not able to tell me what the charges are for. I called Receivables Performance Management and spoke to a very rude and short supervisor, XXXX, who stated he would sent out a breakdown of what I owe. My main complaint is the amount of calls I received with no explanation of what they where for, XXXX not able to explain the charges, and the amount that I owed doubling for no apparent reason. Also never receiving any inquiries from XXXX about an over due balance until XXXX years later through an collections agency threatening to put the amount on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, a home improvement loan was taken under my name fraudulently from a property i have never owned!!!. In XXXX XXXX XXXX  XXXX reported a debt without even contacting me first or trying to reach out to validate this debt. I disputed with Transunion and submitted a police report, identity theft reports and etc. To this day, my credit score has been significantly lowered and in result of that i have had losses ( credit limits lowered ). XXXX XXXX is not sending me the original contract. I hired legal services and intend to file a lawsuit to all parties involved for my damages and tarnishing my good name. XXXX XXXX should have not reported a fraudulent debt to Transunion. How could a loan be issued for a property i never owned? Why was this loan never reported for 7 years?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 and have also reported late payments, which is also a violation.

15 USC 1681 Section 602 A States that I have a right to privacy 15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Texas, office of the Attorney General office account number XXXX has reported to credit reporting agencies such as Trans Union, XXXX XXXX XXXX, which is a clear violation on the title 15 USC subsection 1681B. 
XXXX XXXX XXXX XXXX XXXX XXXX. Its also reported on my credit file which is a violation under XXXX 15 USC subsection, 1681B. They are also in violation of the fair credit reporting act title 15 USC subsection, 1681 ( 2 ) ( a ) ( i ). Texas attorney general office states that I owe {$61000.00}. XXXX XXXX  also states that I owe {$17000.00} or {$18000.00}. This was done for anywhere from one year to seven years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : Account Name : Lnlv funding You are reporting this collection as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed.
Product: Checking or savings account

I was charged a {$36.00} fee on my account when I put the funds in the same day to cover it! They are crazy with these fees and putting them on your account when they shouldnt be!
Product: Debt or credit management

This Agency repeatedly called me on the weekends after I asked that they stick to business hours based on my consumer rights. This was on several occasions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Dear Sir or Madam, Please accept this as my formal complaint that ConServe lied, in their attempt to settle my accounts. On XX/XX/2018 at XXXX I spoke to a lady at ConServe. When speaking to ConServe, she misrepresented which accounts would be taken care of with my payment. She stated that my payment of {$620.00} would settle all 3 debts ( 2 for XXXX XXXX XXXX  and 1 for XXXX XXXX College ). She specifically used the terms " released and forgiven '' when referring to all 3 accounts if I made the payment. If I had known that it would not have forgiven all 3 debt accounts, I would have made other arrangements to secure their release. 

It should be made clear that I was fraudulently told that my payment would satisfy all 3 debt accounts. As of today, a different agency is now calling for the XXXX XXXX XXXX University accounts and I am being informed that payment has not been made. 

It should not be legal for ConServe to misrepresent their ability to settle on behalf of their client ( the schools ) in order to obtain some of the money that is owed. I was willing to come to some form of agreement and was given the impression that I was settling all the accounts. 

XXXX XXXX
Product: Debt collection

Please be advised I have requested validation { not verification } of an item reported to you by Transworld Systems. I have received a response that clearly violates my rights according to HIPAA. 

Transworld Systems Inc did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.