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

Note : I don't know if what they did/are doing is illegal or not, but you didn't give me any other options that were more accurate. What they are doing is, however, certainly an unfair business practice. They also never informed me that they would do it. 

I appreciated and still appreciate the money XXXX loaned me. It was a big help. 
And I am NOT complaining about their predatory interest rates ( like 84 % : By the time I pay off the loan in 5 years from the disbursement date, I will have paid more in interest alone than the total amount I borrowed. But still, I'm NOT complaining about that. ) Last year in XXXX, I was temporarily unable to afford the payments. I called, and a CSR established a " temporary payment relief assistance plan '' with me over the phone : For 5 months, they would automatically debit my checking account via my bank debit card for {$50.00}. ( 100 % of each of those payments went to interest. But the majority of each regular payment also goes to interest anyway. ) Then I would resume the regular monthly payments of {$200.00}. 

All of the smaller temporary payments were covered, and I resumed the regular payments on time every month. 

Here is my complaint : Ever since this temporary payment relief plan was made, XXXX has been reporting my account to the credit bureaus as " Past Due '' and sending automated emails dunning me to " pay your past due amount. '' But according to the arrangement they made with me, my account is NOT past due, nor SHOULD it be. 

I called them two or three times. They refuse to stop the automated emails, which is not a big problem since I simply ignore and delete them anyway. However, they lied and said they had not reported anything to the credit buteaus. 

They are negatively affecting my credit report and damaging my credit : When anyone with access authorized looks at my report, it shows " 5 late payments '' even though I typically never pay any of my bills lateall 5 are XXXX but no other creditor. And my payments have never been late. By " late '' payments, they are referring only to the five payments deferred for the smaller payments arranged during the temporary relief plan. And those smaller payments arranged were obviously NOT late since they were automatically debiting my bank card every month. 

Moreover, NOBODY at XXXX EVER disclosed to me, NOT even over the phone, let alone in writing, that my agreeing to the temporary payment relief plan would cause them to consider my payments as " late '' or my account as " past due. '' This is clearly an unfair business practice!
Product: Checking or savings account

I had a fraudulent charge on my account XX/XX/2018 for {$100.00} XXXX XXXX in XXXX WA .I tried to call them they said they couldn't do anything. I filed dispute with my bank canceled card they said they could not credit the fraud charges because they could not recover funds. What is the point of filing a dispute with your bank thought they were supposed to protect your money from fraud. What can I do I am out {$100.00} from someone buying a XXXX  on me. Can you help me with this problem? 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

After opening the account I instantly noticed there where two othe accounts connected to it a credit card and I asked over and over again what it was they just kept transferring me this was on XX/XX/XXXX so I told them to just close it but instead the women on the other end said it was still open I asked if there were any deposit she got quit and wouldnt say anything but the very first time I contacted Citibank the man on the other end said it was closed and they would send the check back to the irs I looked up wet emy refund was and its been processed please help I have a investigation with the ward counts sheriffs department a detective is already on one fraud case with Citibank bank all I want to do is change my bank information
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

The letter you sent was to a address I never lived at before. It was addressed to a California address.
Product: Credit card

Chase Sapphire Reserve CC has travel insurance benefit.

Trip cancellation insurance is included in Card Benefit Services.

Submitted Claim to Card Benefit Services on XX/XX/2023. 
All conditions have been met for trip cancellation benefit through Chase.

XXXX statements, travel provider invoices and Chase Reserve card statements showing all payments to travel provider. All criteria have been met to approve this claim.

Card Benefit Services, ( XXXX  ) Claim # XXXX. 
After repeated phone calls from me, they insisted I submit documents again. I have done this 4 times. 
On XX/XX/2023, phone call/XXXX requesting an amended claim, as they did have a total for my claim and/or reimbursement total. 

Cancelled cruise due to medical emergency involving my husband, XXXX XXXX XXXX XXXX {$5700.00} ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$11000.00} to be reimbursed. 
Called again today, told it should be 2 weeks. Received same info last 2 times I have called. 
This will make almost a year for claim to be processed, tired of hearing they appreciate my patience.
Product: Debt collection

XXXX   XXXX  obtained a judgement for a credit card debt and placed a lien on my house. The debt and judgement was included in my Chapter  XXXX  bankruptcy that was  discharged but the  lender refuses to remove the lien from my house until the debt is paid.
Product: Debt collection

I am not the one they are looking for and they still call two to four time a week. The person has not live here for about three to four years ago they told by landlord to move for not paying rent..I told them not to call again I am XXXX years old
Product: Vehicle loan or lease

This vehicle was repossessed in XX/XX/22 and taken to auction, yet credit acceptance is still reporting the full balance to my credit. I have contacted them on numerous occasions regarding this with no remedy. I was only a co-signor and not the sole owner of this vehicle.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> you received my dispute regarding some transactions and late payments that you and Experian furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian, stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand the HYPERLINK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer report! Just because a creditor pay your company money to report an consumer experience and transaction that has nothing to do with you don't give you the absolute authority to break the law and report it. DO YOUR COMPANY STILL FOLLOW THE LAWS THAT GOVERN YOUR ABILITY TO EXIST? If so, then how can you validate a late payment unless these following laws has been met?

Take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection XXXX ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.

I'm also requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide " this '' information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( Experian, have fraudulently verified an account without a reasonable procedure as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please stop sending stall letters that don't apply to my letter, ie. 
IT'S BEEN VERIFIED or IT APPEARS THIS LETTER IS NOT FROM YOU.
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 XXXXS Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : 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: Vehicle loan or lease

On XX/XX/XXXX my account with this bank was brought current. I checked through the automated system to make sure that I had a XXXX balance before the next months billing cycle, which is on XX/XX/XXXX. The amount for XX/XX/XXXX - XX/XX/XXXX should be {$350.00}. I checked through the automated system when I paid my last payment, and also confirmed the amount with a live customer service representative and the amount which was due was {$290.00} remaining for XX/XX/XXXX - XX/XX/XXXX. Then it was paid in two payments, the last amount paid was {$160.00}. The next months bill which I am not allowed to view my account because the password is changed each time I log in or out of the account, is for one month. Not two months. There is also a problem with resetting my password. Regardless that I have entered the correct information for the password reset, the company requires me to call and speak to someone every time I log into my account. I find this to be XXXX harassment and abuse. Illegal collection. I do not owe more than one month for this auto loan for the XX/XX/XXXX - XX/XX/XXXX time period.
Product: Debt collection

The apartments XXXX is not a debt I owe. I payed all my rent on time every month and gave a 30 day notice before I moved. The manager of this apartment complex false fully put me into collections and never sent a proper notice to me of any debt or took me to court or even attempted too. She fraudulently abused her power of management to ding my credit with a false debt because her daughter and I had a falling out. I was a personal friend of XXXX the manager of the apartments and the daughter. So she had all ways of getting a hold of me with any debt she was putting onto my credit and did n't. I have proof of a proper notice as well as proof of the check that was written for rent. I did n't find out this was on my credit till 2014. I has already been removed from 2 other credit agencies as a debt that I do n't owe and that is n't mine do to her fraud.
Product: Checking or savings account

On XX/XX/2023 I went to the drive through at Bank of America in XXXX XXXX NY located on XXXX XXXX XXXX I deposited {$460.00} cash into my checking and account it only acknowledged {$260.00} dollars the screen displayed a error message and asked me what was the total deposit then it begins to do a countdown I was unable to answer because the screen went blank. I received a error message slip took it into the bank and they informed me the drive through does not belong to Bank of America and gave me a number to call, I called the number gave them needed information I was then told it would be investigated and would take 2-3 business days I informed them I needed access to my funds to take care of car insurance the gentleman then told me he understood and would reach out to his Supervisor he then told me I would be credited the {$200.00} that day. The credit was not in my account my bank account then went into the negative I called again and informed them of the issue they they told me its being investigated and it would take 10 business days to sort it out.This is mot ok it has inconvenienced and caused me bank fees that I should not have happened and theyre lack of urgency is negligent.
Product: Credit reporting or other personal consumer reports

There are ( 2 ) fraudulent hard inquiries on my Transunion credit report. This was due to identity theft. I have attached an FTC report I sent to Transunion 3 weeks ago. Transunion has failed to locate the certified mail copy of the FTC report sent in. These hard inquiries are not mine and I have not applied to either of the two companies. I have listed below the ( 2 ) hard inquiries.

I have called Transunion more than a dozen times trying to resolve this issue. Ive requested updates on this dispute and documentation. Transunion has failed me as a consumer. Ive disputed this matter over 90 days ago. Transunion did not honor their 30 day dispute policy. I need the help of the CFPB with helping me resolve this matter. 

Hard inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 2024
Product: Debt collection

This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX  XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX # XXXX 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 an account without my written instructions.
Product: Credit reporting

Experian is reporting XXXX XXXX XXXX XXXX lates as recent as XX/XX/XXXX. This debt as included in our CH XXXX bankruptcy which was discharged XX/XX/XXXX. I demand that the account gets statused as included in the BK with no lates after the BK date.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts, they are hurting my ability to obtain credit.
Product: Debt collection

I have disputed this collection account approximately XXXX years ago and it was agreed to be removed from my credit report. This company has falsely claimed that I own money for an apartment that I never had. This company has failed to provide documentation that I had a contract with them but yet they continue to report each month. I called on XX/XX/2023 regarding removing the item from my credit report and one of the representative inform me that until the balance is paid they will continue to report and ruin my credit.
Product: Debt collection

XXXX " Law firm '' XXXX XXXX XXXX contacting Regarding XXXX. This agency has been calling. My Son, sister in law, neighbor, Son 's girlfriend and My workplace. Boss handed me a message. On a disputed debt from years ago. They are recorded as stating they plan to " serve me " at work yesterday. I spoke with them yesterday and today, still calling, still no papers. Still have not been served. Told them stop harassing me and STOP calling work, neighbors and people I do not know. They are giving out my address and name. I have not gotten information or detail. They just need to cease and desist at once before I collect XXXX each recorded incident. Prove who I owe and what.. or leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to remove negative inquiry from my credit report after several disputes. They are illegally reporting a bankruptcy. The United States Bankruptcy Court does not report to the credit bureaus. Therefore the bankruptcy information the company displays on my credit report is unverifiable and should be removed immediately.
Product: Mortgage

I have a loan With Fifth Third Bank I never made a late payment in my life not by them not by any of my credit cards or car loans. 

In 2022 I signed up for a COVID forbearance program that I was not supposed to make payments and I was told that it would not affect my credit score in any way when I started making payments again fifth Third Bank reported four late payments all of them 120 days late to the credit bureaus this is wrong I would never sign up for any program that will wound my credit I reached out to them several times but they didn't do anything about it and my credit is still ruined because of this. 

Please help me to figure this out with them they should fix it on my credit report and remove the four late payments XXXX XXXX XXXX XXXX of 2022 Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally complain regarding the handling of my identity theft case with the CFPB complaint number XXXX. I submitted all required documentation to process my FCRA 605B Identity Theft Fraud Block and requested the method of verification and investigation. Despite following the necessary procedures, I have spoken with multiple supervisors who stated that these fraudulent items could not be removed due to their policy. I believe this policy does not align with the FCRA 605B law, and I am requesting that the CFPB investigate the method of verification used in this case, as it appears to be inconsistent with the legal requirements set forth under the Fair Credit Reporting Act.
Product: Checking or savings account

As per the recent article Wells Fargo between XXXX and XXXX has a settlement between {$3.00} XXXX and I was a customer during this time. I feel like I am owed compensation for their errors
Product: Vehicle loan or lease

In accordance with the fair credit reporting act Exeter Finance has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also state a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor my not treat a payment on a credit car account under an open end consumer credit plan for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Update of Credit File Resolution of Collection Account Dear XXXX, XXXX, and TransUnion, I am writing to request an update to my credit file following the resolution of a dispute related to a collection account. On XX/XX/XXXX, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding collection activities conducted by XXXX XXXX XXXX XXXX XXXX ( XXXX ). My CFPB case number is XXXX. 

As of XX/XX/XXXX, XXXX has confirmed that they have ceased all collection activities related to this account and have taken measures to ensure no further communications. They have also submitted the matter to the original creditor for review. Please find attached copies of my CFPB complaint and the companys response for your reference. 

Given this resolution, I kindly request that you review and update my credit file to reflect the current status of the account. Specifically, I ask that any references to this collection account be either corrected or removed if no longer valid. Ensuring accurate information in my credit report is critical for maintaining my financial integrity. 

Documents Attached : Copy of CFPB complaint and case details. 
Copy of the companys response confirming resolution. 
A copy of my government-issued ID for verification purposes. 
A recent utility bill or bank statement as proof of address. 
Please confirm once these updates have been completed or notify me if you require any additional information to process this request. You may reach me by phone at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the requested updates. 

Sincerely, XXXX XXXX