23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. Transunion is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as Transunion, and XXXX is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.
Product: Checking or savings account

My CD got matured today. By law, synchrony bank was supposed to deposit my total CD money in my synchronys high yield savings account. As usual, corrupt synchrony bank DID NOT, an illegal act.
Product: Credit card or prepaid card

I keep getting billed a late fee per month on no outstanding balance. They send me this every month. It started at {$25.00} late fee for zero balance and continues to come each month with another late fee tacked on. 
Hello XXXX. 
Your total minimum payment of {$200.00} is due on XX/XX/XXXX 2021 Here is how to make your payment : Log into your account online at www.syncbank.com/amazon Call us on line toll-free at XXXX Mail your payment to : Synchrony Bank / Amazon.co Store Card XXXX XXXX XXXX XXXX FL XXXX XXXX If you can not pay this amount please call XXXX to discuss options ans how we may be able to help.
Product: Mortgage

I have previously submitted XXXX claims XXXX and XXXX. Wells Fargo has provided incorrect information. Again my mortgage was never XXXX months past due. Wells Fargo put me on a modification while I was in bankrupcy and did not disclose that they borrowed money from HUD.. Wells Fargo needs to provide a detail payment history of that loan up until the payoff date. I will continue to pursue all parties involved for their negligence in this matter from XXXX XXXX who was the attorney who conducted the title search, Wells Fargo, and HUD. This has cause an incovience for XXXX years to my family and myself.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, TransUnion, and XXXX to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

I am reaching out once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts. Following this submission, XXXX and XXXX have promptly removed these accounts from their records. 

Here are the details of the following accounts in question : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Additionally, I have directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am perplexed as to why this accounts are still being reported by your bureau. 

It is crucial to acknowledge that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the Bank of America account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and  XXXX  have refused to remove stating that Bank of America has confirmed that the charges are correct. I have attempted to follow up with Bank of America directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by Bank of America to extort money from its customers and that the resulting charge off was an act of retaliation by Bank of America as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX , Bank of America has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction h istory ) to another acco unt number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX  Bank of America management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.
Product: Debt collection

I was contacted by CACH collections in the month of XXXX stating I owed an OLD loan debt in the amount of {$11000.00}. I told them I had no idea what this was about and to provide me with the original paperwork for this loan and all other original paperwork. They refused to provide that info and stated to me that they don't have to give me the original paperwork, they only have to give me their invoice/bill. 

They stated to me that is was a debt from XXXX which is VERY OLD. I expressly told them that I have never taken out any type of loans on my report and nor did I have any collections on any of my credit reports. a month after talking to them, CACH collection placed this collection account on my credit report. 

on XX/XX/XXXX, I spoke to them again and they refuse to provide any help or the original paperwork that I have been requesting. By law, any collection company has to provide the original paperwork to show proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry appears on my credit reports - Transunion, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 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 XXXXXX/XX/year>
Product: Checking or savings account

I disputed more than XXXX transactions. I was given a provisional credit on all of the small transactions but the large transaction for {$3700.00} I was told I have to wait XXXX business days for the provisional credit. So I told them that they making me wait for the big amount but not have to wait for a lalsmall amount. It is all my money. XXXX does not do this type of banking practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is report a miss payment from XXXX XXXX my Auto loan. I have documents for XXXX XXXX stating I was never late on XX/XX/2020 2020
Product: Prepaid card

I have been trying since XX/XX/year> and I have tried on multiple occasions to have my card sent to me. My balance of XXXX have been on Money network and nothing has been done and Im not able to transfer any money
Product: Checking or savings account

I have two checking accounts with Chase. On the morning of XX/XX/XXXX I noticed that 4 unauthorized charges on both accounts (XXXX, XXXX, XXXX, XXXX) totaling $XXXX. I immediately went to see if I still had the debit cards in my possession and noticed that my wallet was missing. I called Chase and reported the unauthorized transactions and that my wallet was missing which had all my cards and my ID in there. I wasn't sure if the pin numbers had been written down anywhere in my wallet. Chase opened up 4 fraud claims and issued me temporary credit for each charge. On Tuesday, XX/XX/XXXX I received an email from Chase stating that my claim for $XXXX was denied. I called the Chase Claims department immediately and was told that my claimed was denied due to the fact that my pin was used to make the transaction and it must've been me or someone I knew who made the transaction. I was told that it was my responsibility to prove to Chase that I wasn't the one who made the transactions and that I need to get a subpoena to get the camera footage but stated that it doesn't guarantee that I would get my money back. Chase refused to assist in any other way. I don't feel like a thorough investigation was conducted by Chase. They based their conclusion and the denial of the fraud claim solely on the fact that my pin number was used. I reported the fraud immediately and am still held liable. I was basically told by the fraud department supervisor that it was my fault and my responsibility to prove to Chase that the transactions were legitimately fraud. How am I supposed to prove something that I didn't do?
Product: Credit reporting or other personal consumer reports

I was coming off the CARES act and was supposed to be on a VA streamline during the closing of the deferment my loan was sold and purchased by midland mortgage they made a clerical error and in the process reported me negatively to the credit bureau They since rectified the loan status which as to all three credit bureaus from XX/XX/XXXX Im shown as not delinquent but on one report it is showingXX/XX/XXXXdays negative can you help
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXX/XX/XXXX XXXX was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX 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 60 days 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. 


XXXX XX/XX/XXXXXXXX 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 8
Product: Checking or savings account

Hi, I am a citibank priority account holder. I closed my account on the XXXX of XXXX in 2022 and the representative told me the balance check will be mailed out and I will receive it within XXXX business days. As of today, I still haven't received the check yet. The remaining balance is {$41000.00}. I have contacted them via online chat and phone calls many times to request an update and no information provided from them. Address was verified multiple times. I don't believe my check is issued and sent by mail.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX  # XXXXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX FCU # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$690.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

Leased a XXXX from XXXX XXXX XXXX ( Chase Bank ) 3.5 years back- lease had a buy back provision at the end of the lease which I used about 35 days back. In the process of buying the car they offered financing which I accepted and they collected {$850.00} as part of the finance contract buying the car. My first payment was due a couple of days ago, and they are still holding on the the sales tax money needed to register my car. I am a retired auto dealer and have decades of experience financing and titling cars in Idaho, and right now I am driving an unregistered vehicle. The instructions with the contract Chase mailed said they would mail a check for the taxes due to register the car. I called on XXXX earlier occasions, on XXXX they said they would send the money electronically and the second they said they would mail a check. Today I received a letter from them saying they would transmit the money electronically to the state XXXX on XXXX. 
How do they do this? My first payment is due and I am being asked to pay for a car I ca n't register. If I go pay the taxes again myself I have no guarantee I can collect them back from Chase, especially given their record on this transaction to date, and I am driving an improperly registered car and if they come through on the XXXX being asked to do so for almost 2 months. If I had floated state tax money like this when I was an auto dealer they would have locked the doors. I would also imagine if they are doing this with me they are doing it with everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been wrongly been not allowed to purchase bitcoin off coinbase. I have done nothing wrong and yet they have limited and not allowed me to personally buy bitcoin off their exchange
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The loan was paid off in full in XX/XX/year>, but XXXX XXXX reports to credit bureaus monthly that I am delinquent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, over the past 7 years, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I been using Zelle since 2017 and have sent over XXXX $ in funds. 
They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I bought a new car supposily, but when I took it to the get the insurance for it they refused to cover my car because the car was damaged by hail, after that i have to retuned it to the agency. I just have the car for 2 months and they want me to paid them the car.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed an entry on my credit report for an account with XXXX XXXX XXXX, listed as a collection account with a past due amount of {$410.00}. The original creditor is SYNCHRONY BANK. 

I believe this account to be inaccurately reported because, under 15 USC 1692c ( c ), once an account is charged off and is no longer collectible, it should not be listed as an active collection account on my credit report. As of XX/XX/year>, the balance of {$410.00} remains inaccurately listed as past due. 

I request that XXXX XXXXXXXX XXXX and SYNCHRONY BANK investigate this matter promptly and remove this incorrect information from my credit report.
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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: Vehicle loan or lease

I am writing to seek your assistance regarding an urgent matter involving toll citations for my vehicle. 

To be honest, I am deeply frustrated and feeling quite helpless due to the lack of resolution I have experienced with Mercedes. In XX/XX/XXXX, I received a letter from Mercedes stating that I owe them {$1700.00} in citations. However, I was perplexed as to the nature of this bill, which prompted me to contact Mercedes customer service for clarification in XX/XX/XXXX. According to their explanation, this charge is related to tolls that I owed. 

I promptly explained to the Mercedes customer service representative that I never received any bills from Mercedes regarding toll charges between XXXX and XXXX. Prior to this, I had consistently received bills directly from NY Toll by Mail and had successfully paid them off myself. I did indeed drive through the tolls, but the amount that I am being charged incorporates a large amount of fees for not paying the bills in time, when in fact I did not receive these bills as they were sent to the XXXX XXXX in Texas. In my conversation with NY Toll by Mail, they informed me that they could reopen the toll invoices if Mercedes would reverse the charges, allowing me to pay the actual toll amount without the additional violation fees. I have repeatedly contacted Mercedes for their help in this matter, however I have been diverted from one department/person/supervisor to the next, without any resolution.

At this point, my humble request to Mercedes is simply to reverse the charges to NY Toll by Mail, enabling me to proceed with the payment of the initial toll charges.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX