23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a series of emails indicating that an account had been opened on Chime. The email address is a very old one that I never use. I never opened any account, but in order to report it the company says they have to verify my identity with personal information, which I will not do. They indicated that a debit card would be sent to me, and indeed I received it today XX/XX/24, It included a mail back coupon to have direct deposit set up with XXXX XXXX, which is tied to Chime.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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, unle
ss 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.

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!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Product: Student loan

My loan servicer, FedLoan Servicing, did n't 'accept ' my loan repayment recertification. And automatically readjusted my monthly payment from appx $ XXXX/month to $ XXXX/month. They used my existing auto debit agreement to withdraw {$3600.00}. which cleaned out my bank account. At no point did they make any effort to alert me to this significant change. Instead, when I called in, panicked b/c I had no money in my bank account, they acted like I was at fault. After *hours* on the phone and a huge number of unhelpful, often rude, customer service agents, someone finally looked into my account and agreed it was " odd '' that I had submitted my recertification but it did n't seem to go through. 

Though none of this was my fault, and it is entirely their error, I am reported as 'past due ' to my creditors, I 've spent dozens of hours on the phone and email trying to straighten it out, and all they will do is reset my loans going forward under a new repayment agreement. I know this is costing me more money, but no one will explain what 's going on or reimburse me or their error or the damage it did to my credit or the huge amount of time I had to spend dealing with their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agencies are required to remove the disputed fraudulent information being reported on my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, upon viewing my updated Credit Report, I realized that the Credit Bureaus have not yet complied with my multiple requests. I am now submitting this CFPB Complaint today to force the Credit reporting Agencies to remove the disputed items on my Credit file. It includes the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, the Credit Bureaus have claimed that the disputed items belong under my name and that the items were verified. If the items are really verified, I wonder why the Credit Bureaus have not sent me copies of proof of verification or documents bearing my signature. Under the provisions of the Fair Credit Reporting Act section 605b, I need the disputed items deleted at all cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX  seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
Product: Credit reporting or other personal consumer reports

theres 10 unauthorized hard inquiries on my credit report & I would like them to go ahead have them removed immediately the following companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Around XX/XX/XXXX, I called CitiBank Costco Credit Card to inform them I would not be able to make the Credit Card Payment due on XX/XX/XXXX. I asked for a waive since I was affected by the COVID-19 pandemic. Instead she went on and on about how they are not offering any relief for the month of XXXX to any customers. I told her I wanted to be put on my file so I do not get chanced any fees or have it reported to my credit report on missed payments. Instead the customer rep went on an unprofessional rant stating " she does not also pay her CC in full ''. I asked again that I needed relief and she again told me there was nothing she can do or offer. 
A week later CitiCard Locked my CC for the missed payment, so I had no access to money although I still have a considerable credit limit on the card. Then on XX/XX/XXXX they charged my a {$40.00} late payment fee. It is unethical that CC companies like CitiGroup are charging fee during a pandemic and economic shut down, especially when I tried to inform them days ahead of time about the inability to make that month 's {$300.00} payment.
Product: Mortgage

On multiple occasions XXXX XXXX had told me I would be approved for XXXX. Last year they strong arm me into a XXXX XXXX didn't understand and was a very high payment. they told me this year several months ago I would definitely be approved for the XXXX XXXX  and this was even after XXXX attended the training. so XXXX  would not accept partial payment and XXXX said don't worry everyone will get the XXXX. come to find out XX/XX/XXXX that you have to make XXXX consecutive payments for the XXXX. 

they have repeatedly lied and misled me and I'm demanding they be held accountable.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX.
Product: Debt collection

I could n't say who the debt is for but they are trying to collect on a debt for a magazine that not only I never ordered but never really wanted to read in the first place. I have tried to contact them but it is impossible to ever reach a real person to tell them to stop mailing me! I Do n't read magazines period!
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent chase auto, XXXX XXXX and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Product: Credit reporting

PREVIOUSLY DISPUTED THIS INFORMATION WITH THE CREDIT BUREAU. THE BUREAU REMOVED THE INFORMATION AND REINSERTED THE INFORMATION WITH OUT GIVING ME ANY NOTICE OF THE INFORMATION BEING REINSERTED TO MY CREDIT REPORT. INFORMATION IS AS FOLLOWS : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ADDRESSES XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX , XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX SOCIAL SECURITY NUMBER *********** *********** *********** *********** I HAVE SENT IN A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD AS PROOF OF MY IDENTITY SEVERAL TIMES. I AM NOT ASKING FOR A REINVESTIGATION I AM ASKING THAT THE CREDIT BUREAU FOLLOW THE LAW AND REMOVE THIS INFORMATION FROM MY REPORT
Product: Checking or savings account

I opened a new checking account at Axos bank in XXXX, linked my old checking account with this new one at Axos on XX/XX/XXXX and then moved {$3800.00} from the old to the new on XX/XX/XXXX. 
When the money cleared on XX/XX/XXXX and I tried to make a transaction, Axos bank froze my account and asked me to provide a void check which proves that I own the old checking account from where the money came. I provided the void check on XX/XX/XXXX. 
Axos bank unfroze the account on XX/XX/XXXX! I tried to make another transaction the next day but Axos refused to process it and closed my account on XX/XX/XXXX, with no reason whatsoever given! 
The absolute worst part of all these is that they have refused to return my {$3800.00} to my old checking account. They want me to wait another 60 days before I can get my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies XXXX XXXX and experian i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Equifax became aware of a breach in security that included stolen information for 100+ million people. It has taken well over a month for the company to disclose this information to the public, allowing whoever accessed the data to sell or use it and denying consumers the right to protect themselves by adding alerts or be on the lookout.
XXXX XXXX, 2017 I became aware of a security breach wherein millions of people and I were put at risk of fraudulent activity. I have gone forth and put a fraud alert on my accounts and looked over my credit report for suspicious behavior. I have verified with the Equifax site, and my information in fact has been breached by this incident and I am still not sure what the resolution for this mismanagement will be. I would like Equifax to find a speedy resolution in order to put the millions they put at risk at ease and put more measures in place to aid those like me who are affected.
Product: Bank account or service

On XX/XX/2017 I received a notification from Bank of America that Online Bill Pay check of XXXX was nonsuficient from XX/XX/2017. I contacted them to findout why the payment was returned, when it was presented at XXXX and I did n't receive a notice that my account had fallen below the balance and deposit was needed until XXXX am on XX/XX/2017. I contacted their Online Bill Pay and was advised the check would be returned, I explained although I could draft another payment, being that I have payroll deposit coming into my account on Friday instead of me drafting another check, if they could just pay the payment, the representative advised me being that I have the direct deposit coming thru they could do a force payment, but their unable complete the force payment on XX/XX/2017, because it was XXXX and the department who handles this process was closed and to call Bank of America on Monday at XXXX and they can do the force the payment through. The representative explained the payment would be returned but to contact the Merchant and advise them to place the payment back thru my account, because the payment would be forced thru I instructed the representative to please notate my account, so when I contact them everything will already be explained and was advised my account would be notated. 

I contacted Bill Pay at XXXX on Monday XX/XX/2017 and the first person attempted to transfer me to Online Banking and the call was dropped. I called back and the call was dropped again. I then spoke with another person when then transferred me Online Banking and spoke with a indivual by the name of XXXX who claimed that was unable to access notes left by Bill Pay and it was obvious he did n't know how to handle the call. He then transferred me to Payment Processing Department called XXXX 5 and the female said they do n't speak directly with customers only Bank of America associates and said she could transfer me back to customer service, but instead transferred me to a fast busy. I then called back and spoke with another representative, who then advised me the check posted on XX/XX/2017 and continued to assure me the payment had posted, until I bascially demanded he verify this was correct information after checking, he came back on the line and explained the check was returned and reached out to this XXXX 5 group to see if the payment could be paid and he came back with the response it was being returned. I then was transferred back to Online Bill Pay, whom I made aware I was making a complaint, kept placing me on holds and she claimed she attempted to contact this XXXX 5, who gave her the same response the payment was being returned. This is just horrible customer service, their representatives do n't know the correct process and procedures and they should have honor the payment being forced as advised by their company representatives on XX/XX/2017. Bank of America is horrible on all levels, when their not masking debit card transactions and posting them at later dates so that consumers will be billed overdraft fees, their providing inaccurate information and not honoring what was quoted.
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX  I opened up a Money Market Account with Ally Bank. I called them at XXXX XXXX  to get more information on how they would prefer the transfer, whether Bank Transfer Or XXXX, they stated that either or was fine. 

At XXXX XXXX  I transferred {$2100.00} from my XXXX XXXX Checking Account. Suddenly, at XXXX XXXX  I attempt to log into my account and its Frozen! Stating I entered my Password wrong to many times which is not the case because its a new account and my fresh password is saved to my phone. It said to call them because they are 24/7 so when I do, the representative couldnt authenticate me via my phone number because they blocked it out the system. So I agreed on doing an identification verification questionnaire which I passed with flying colors. Then she goes that she cant give me any information and that I have to wait until the following day because the Fraud Department is closed. 

I called the following day at XXXX and stood on the phone with them for XXXX minutes and got nowhere. They wouldnt transfer me to the Fraud Department and was not helpful at all! They keep insisting for me to wait for Fraud to call me. Which is nerve wrecking because I advised them that its not fraud and that I can validate myself with income tax returns, identification, physical social security card, etc. Wouldnt a fraud department love to hear that!? Of course they would but regardless it wasnt good enough. Which makes me believe that this must be normal to them by the way customer care are handling the calls.

What bothers me the most is that the Fraud Department never once reached out to me to notify of whats happening. I had to find out by trying to log in. I dont feel comfortable at all and havent been able to-sleep since Saturday.

I added all the screenshots with proof of everything im saying to be 100 % accurate and truthful as well as the phone calls. The screenshots were uploaded one by one in order to the sequence of events.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple Accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I would like these inquiries to be deleted, and your customer service representative repeatedly hung up the phone and would not take care of the negative inquires reporting to my credit.
Product: Money transfer, virtual currency, or money service

I would like to report the XXXX transactions made from XXXX XXXX XXXX Bank of America. 
XXXX transaction ( listed below ) is a wire initiated from Bank of America XXXX XXXX XXXX. 

It was cyber-scammed and have filed complaints with the FBI ( IC3 ), FTC, NCDOJ, Law Enforcement ( XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX Agent, and respective banks where the wires are initiated. 

XXXX ). Transaction Date : XX/XX/year> From : XXXX XXXX ( Account : XXXX ) To : Bank Of America ( Routing : XXXX / Account : XXXX ) Beneficiay Account : XXXX XXXX XXXX Amount : {$25000.00} Wire Transaction Id : XXXX XXXX XXXXXXXX XXXX ). Transaction Date : XX/XX/year> From : XXXX XXXX ( Account : XXXX ) To : Bank Of America ( Routing : XXXX / Account : XXXX ) Beneficiary Account : XXXX XXXX XXXX Amount : {$25000.00} Wire Transaction Id : XXXX  # XXXX XXXX ). Transaction Date : XX/XX/year> From : Bank of America ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / Account : XXXX ) Beneficiary Account : XXXX XXXX XXXX XXXX : {$65000.00} Wire Transaction Id : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPLAINT WAS SENT BY ME. YOU ARE COMPLETE SCUMBAGS AND YUR ACTIONS ARE TRANSPARENT. I SENT THE COMPLAINT. YOU DID NOT INVESTIGATE UNTIL AFTER THE 30 DAYS. YOU THEREFORE MUST DELETE THE DISPUTED ITEMS. THAT'S THE LAW,