23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have my credit cards on auto pay fROM MY CHECKING ACCOUNT. I was the victum of a scam and had to close my checking account. once I had the new checking account number, i called Bank of America to update the autopay number ( I have confirmation numbers for these payments ) However, Bank of America wrote down the new number wrong - puting the routing number in both the routing number and account number places. So, when they attempted to do the autopay, it did not go thru. A soon as i learned that the Credit Union had refused the charges, I called to ask why. They said that Bank of America had used the routing number for the account number. I then called Bank of America to give them the correct account number again. and paid off the statement balances on both credit cards. I then started having my credit cards refused, So I called Bank of America again and learned that they had closed both accounts for non-payment, even though by that time i had authorized payment in full twice. They said I needed to re-apply for the cards- which I did, but I have not received word on whether or not they will re-issue them. They are charging me interest on the cards due to late payment. If they had written down the checking account number correctly the first time, the cards would have been paid on time. I do not think i should be charged interest for Their mistake. I also think that they should re-issue the credit cards ASAP. luckily, I have other cards that I can use, but the Bank of America cards are the ones I use most, including for payment of other bills.It is quite a hassle to change the auopay for other bills that use to use these cards.. Two different account numbers entered below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Someone used my information to medical care at XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting on my credit report that I owe for this fraudulent charge Account number XXXX
Product: Credit reporting or other personal consumer reports

Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER XX/XX/XXXX I DID I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you '' verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section511 ( 5 ) ( A ) of the FCRA- you are required to " ..immediately DELETE all information that can not be verified. " The law is very clear as to the civit liability and remedy available to me for " negligent default '' ( Section617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 
I demand that the following accounts be verified or deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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 informati
on 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 or other personal consumer reports

In accordance with Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. I have the right to privacy. 15 USC 1681 section 604 A section 2 it states a consumer reporting agency account can not furnish an account without written instructions. No consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more then seven years. ( XXXX XXXX ) And ( XXXXXXXX XXXX  )
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Student loan

I have been part of the Public Service Loan Forgiveness ( PSFL ) Program for several years. On XX/XX/XXXX I uploaded the PSLF Certification form that indicates I have worked for the State of California for the past year and to continue my participation in the program to my federal loan servicer FedLoan. Due to the national health crisis all California State employees are working from home and do not have access to regular work flows. My HR representative and I provided electronic signatures to validate the certification. On XX/XX/XXXX I received correspondence from FedLoan that stated electronic signatures are not valid and only wet signatures will be accepted. This is in direct violation of the U.S. Electronic Signatures in Global and National Commerce ( ESIGN ) Act of 2000 and the Uniform Electronic Transaction Act ( UETA ). With the passage of the ESIGN Act of 2000, electronic signatures became legal in all states and U.S. territories where federal law applies. Electronic Signatures refers to any electronic process that indicates acceptance of an agreement or record. My electronic signature and the HR personnel 's electronic signature that were provided on my PSLF certification fit this definition. Furthermore, they are requesting that I ignore county and federal health recommendations to obtain a wet signature when electronic signatures are valid and legally binding. I wrote to FedLoan on XX/XX/XXXX to explain this and received an email from XXXX at FedLoan stating that only wet signatures were accepted. This is an illegal policy. 
Thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

I have paid off my account for months now they are still reporting I owe a balance as well as late payments I have sent over several emails and I was told they would update. My credit has been effected tremendously by this error and the company will not fix this
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I received a letter from TD Bank dated XX/XX/2019 thanking me for opening a " TD Growth Money Market '' ( account number ending in XXXX ). I have never opened an account at TD Bank ( other than a loan many years ago ) and went to the branch on XXXX XXXX in XXXX, MA to speak to an employee. The woman I spoke to stated that there was another customer with my name in another state and that the account set up was an error. She assured me the account would be closed immediately. Two days later, I received a statement. I assumed it was because the account was closed, as the statement cycle was only a few days long. Today, XX/XX/2019, I received another statement for the same account. I tried to contact them, this time, through their customer service website, but received a message that it was down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SS # XXXX XXXX XXXX Phn : XXXX XXXX XXXX Subject : Opt-Out Request Pursuant to 15 U.S. Code 6802 Section C and 12 CFR 10167.7 Dear XXXXConsumer Assistance, I am writing to formally request that you cease and desist from including my consumer credit information in any prescreened lists provided to third parties for the purposes of extending credit offers, pursuant to the provisions outlined in 15 U.S. Code 6802, Section C. I believe this request is well within my rights as a consumer, and I trust that you will promptly adhere to this directive. 

Enclosed with this letter is a certified Uniform Commercial Code ( UC ) 11 search, providing evidence that there are no outstanding liens against me from any of the following Information : All hard inquiries All Public records All Collections accounts All late payments No one has the authority or my written consent to report by law.

This document serves as confirmation of my financial standing and further supports my decision to exercise my right to opt-out under the legal provision.

I would like to draw your attention specifically to 15 U.S. Code 6802, Section C, which states : " C ) Opt-out. A consumer shall have the ability to prohibit a consumer reporting agency from making any prescreened solicitation to the consumer with respect to any transaction that is not initiated by the consumer, by notifying the agency in accordance with procedures established under subsection ( e ). '' In accordance with the law, I hereby notify you that I am opting out of any prescreened solicitations with respect to transactions not initiated by me. I expect you to promptly process this opt-out request and ensure that my consumer credit information is not included in any prescreened lists provided to third parties.

Furthermore, I refer to 12 CFR 10167.7, which outlines the procedures for consumers to opt-out of prescreened solicitations. I request that you adhere to these procedures and confirm in writing that my opt-out request has been successfully processed. 

Please send confirmation of my opt-out status to the address listed above. If there are any additional forms or information required to complete this request, kindly provide those details promptly. 

I appreciate your prompt attention to this matter and expect you to comply with the legal provisions mentioned herein. If you have any questions or require further clarification, please do not hesitate to contact me at the phone number or email address provided. 

Thank you for your cooperation in this matter. 

Sincerely, Enclosures : Certified UC 11 Search
Product: Money transfer, virtual currency, or money service

My war with Wells Fargo Bank began XX/XX/2020. I made a {$1300.00} transfer from my XXXX  checking account to XXXX XXXX in XXXX, Alaska. Transfer went through but to a XXXX XXXX XXXX account located in Texas. This was the time XXXX was being accused of having fake accounts and transferring money into those accounts. I feel this is what happened to me as I do not have any bank accounts in Texas. I contacted XXXX immediately and was informed that this was a bank fraud and I went through that process. I was told that all XXXX had to do was contact the bank in Texas and dispute the transaction. They would not do this. A few days later, my XXXX checking account was closed without my knowledge or any prior notice. 

I have fought this for almost 18 months and have filed appeals on the XXXX decision. Their ultimate decision was that I " authorized '' the transfer. I have argued that the money went into an account that was not mine. I was told they " didn't care if the money went to XXXX XXXX, I authorized the transfer ''. This is totally a case of fraud and using my money for their advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I filed a dispute with Equifax on XX/XX/2019. Confirmation # XXXX. Promised that they would provide the results by XX/XX/19. Results were never received. I contacted Equifax via phone on XX/XX/19 at XXXX eastern and spoke with XXXX # XXXX. At first she argued that a dispute had never been submitted. Then, she apologized that the results weren't sent out and would put them in the mail. I asked to speak with a supervisor and she placed me on hold for about 25 minutes until I hung up. 

It is XX/XX/XXXX and I have yet to recieve the results of my dispute. In fact, I recieve error messages when trying to pull my report via their online website. I have recently mailed tried calling once again only to be told that the systems were being updated and I should call another time.
Product: Credit reporting or other personal consumer reports

TO Whom it may concern Please block this information from my credit report within four business days pursuant to section 605C of Credit Fair Credit Reporting Act, I am victim of human trafficking of DEBT Bondage and would like for all listed Accounts to be blocked and deleted company informationTransunion .Following Acoounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX *** XXXX XXXX XXXX Account XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit card

The Credit Card is an Apple Card ( Goldman Sachs ). I contacted Apple and said that I see transactions not made, authorized or agreed by me. After almost 2 months of investigation, all disputes made by me were denied with no explanation, evidence or clarification. I had no choice but to have faith in re-submit all claims for the second time. They have blocked any provisional credit for me, do not provide any information regarding the investigations or even try to calm me down. Speaking with representatives at Goldman Sachs via Apple Chat is a mess, most are missing information, simply sticking to their scripts and have absolutely XXXX clue on whats going on. The disputes Im in are, Disputes : XXXX, XXXX Services XXXX {$100.00} XXXX, Apple, {$9.00} XXXX, XXXX, {$21.00} XXXX, Apple Services, {$8.00} XXXX, Apple Services XXXX {$99.00} XXXX, Apple, {$99.00} XXXX, Apple, {$99.00} XXXX, Apple, {$99.00} XXXX, Apple Services XXXX {$48.00} XXXX, XXXX XXXX ( XXXX ), {$55.00} XXXX, XXXX XXXX XXXX, {$100.00} XXXX, XXXX ( XXXX XXXX, {$50.00} XXXX, XXXX XXXX ( XXXX ) XXXX {$100.00} XXXX, XXXX XXXX ( XXXX ), {$110.00} XXXXXXXX XXXX XXXX, {$6.00} XXXX, XXXX XXXX {$390.00} XXXX, XXXX XXXX, {$15.00} XXXX XXXX XXXX XXXX, {$15.00} XXXXXXXX XXXX XXXXXXXX, {$67.00} XXXX, XXXX  ( XXXX ), {$29.00} XXXX, Smoke Boutique, {$37.00} XXXXXXXX XXXX XXXX, {$140.00} XXXX, XXXX Leaf, {$81.00} XXXXXXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX  {$330.00} XXXX, XXXX XXXX XXXX {$150.00} For some of these, I did research and simply validation the cameras will have enough evidence to show that the transaction was no made by me. For online purchases, an IP address can also validate that I was not making, authorizing nor doing the transactions. Apple purchases are not fraud but refunds because I did not receive in game goods like paid for. I have paid the same amount ( {$99.00} ) on my XXXX XXXX account ( credit card ) and theyve already issued me a full refund unlike Apple Goldman Sachs. I am desperate for help because at this point Im loosing all of my faith. I cant use the card ( Apple Goldman Sachs ) because Im very scared for more fraud and no way of proofing and getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

Around the end of XX/XX/2019, After the first representative called me, I explained my situation and how I became a dislocated worker. He mentioned that I had a perfect payment history before this situation so he called he was calling to see how he can help. After hearing my story, he agreed that there wasn't anything he can do to help me and I told him that once I get my finances back in order I will continue my payments. I also mentioned to him that I only really get enough to pay rent and not enough to pay my minimums. He said he understood and I told him that I will get it together once I get a job and i also mentioned that I do not wish to be contacted again because it's nothing that they can actually do to help me. He said he understands and that was the end of the call. So about two weeks later, I started to receive more calls so after I became annoyed by the constant calling, I asked another one of the calls and told the agent that I already spoke to a woman and explained to her that I already spoke to an agent about it and i did not want to be contacted again it. So after a few more harrassment, I answered and told the man to not contact me again and the this was harrassment. He assured me that they would not contact me again. So after a few weeks went past, I started receiving about 5 calls a day so I eventually blocked the number, so they started calling me from different numbers which I all blocked. They even started calling me on Sunday and Saturdays, which I know its against the law to harass  someone on sundays. All of this is making me never want to do business with this company ever again and I will be closing this account down soon and never doing business with Chase again. I can provide phone records from my cellphone provider is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my equifax when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my equifax report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.
Product: Checking or savings account

They over charged on fees and stole money from my pay check deposits. At least {$35.00} for the entire year of XXXX and from XXXX to XXXX XXXX  XXXX.
Product: Debt collection

I called to have this account disputed but the company is not showing anything under my social. I asked why it would be showing under my social in my credit report but they did not have an answer.
Product: Debt collection

The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at Alltran telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. Alltran 's case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was collections@alltran.com. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and Alltran to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and Alltran makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX