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

On XX/XX/XXXX, I made a payment of {$180.00} to XXXX  using the " XXXX XXXX '' system through Associated Bank. My statement shows is was taken and paid from my account on XX/XX/XXXX. On XX/XX/XXXX I called XXXX because my bill was due on XX/XX/XXXX and my online statement showed no paymen received. I Didn't want to be late so I made an additional payment of XXXX on that date, online. I spoke with Associated to see what can be done with this issue. I was told It was paid via paper check and it could take up to 10 days to post. The bank representative stated that if It has not posted I can make the second payment to XXXX  and if the check is received by XXXX  later, It would just be a credit on my XXXX  account, or I could wait 10 days and put a stop payment on the transaction. After a few days, I went to the Associated Bank office on XXXX XXXX and spoke with XXXX XXXX on this and another issue I was having with my debit card. When I spoke with him about the XXXX issue, He stated It was paid, not by check, but through electronic means. He said they would investigate. Today, XX/XX/XXXX, I received this email : XX/XX/XXXX XXXX, the service provider for XXXX XXXX with Associated Bank, processes the payments that you make through XXXX XXXX. At your request, XXXX processed the payment to XXXX  on XX/XX/XXXX for {$180.00}. However, after sending money to XXXX, XXXX could not withdraw the funds from your payment account. As a result, you owe XXXX for the money XXXX sent to XXXX  on your behalf. 


Your Bill Pay Service Has Been Suspended XXXX suspended your XXXX XXXX  service. You can not use most of the functions in your service, and no transactions will be processed. You must make other arrangements to pay any scheduled transactions. 


Reinstate Your XXXX XXXX Service and Avoid Collections Call XXXX at XXXX to pay the balance due, or notify XXXX within 30 days that you are disputing the validity of the payment to XXXX. XXXX can reinstate your service and answer your questions. 


Service Fees Any service fees associated with insufficient funds in your account for the payment to XXXX  will be withdrawn in accordance with your XXXX XXXX terms of service. Other standard processing fees may  apply. 


This email is an attempt to collect on a debt and any information obtained will be used for that purpose.
Product: Debt collection

This debt appeared on my credit file as a collection. I have never done business with these people, I have never signed or authorized this debt. I have written to the credit collecting people, and they sent me a form with no signature and claim I am responsible for the debt., I have never done business with their client, I do n't even know who or what they are ( the client ), I am a XXXX year old XXXX person, who lives in a tiny town in Washington state. I dont know where this debt comes from as I havent been out of my state in 12 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's website was breached. They provided a way to see if my information was compromised. It turns out that it was, but Equifax provided no follow up details about what to do about this. This is still the case. They have been hacked again after this first incident, and have still done nothing to help the consumers know what exactly happened. All of this is bad business, and they clearly do not care about the consumers who have been impacted.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX and experience are all not withholding to the law. According to the FCRA, In thirty ( 30 ) days the credit bureaus have to reply to my disputes letters, which they did not ... So furthermore legally these unverified and unauthorized items must be removed!!!!
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  UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wire transfers taking too long. Wire transfers should be initiated the same day. This is now my 3rd time initiating a wire with XXXX, which is taking days. This most recent one is on the 4th business day. This is not acceptable and defeats the purpose of a wire transfer ( instant ). I will be closing my account with them ... this screams of a bank that 1 ) doesn't care about it's customers ; and 2 ) that likely has logistics issues allowing it to process wire outs in a timely manner. I've called and verified the outgoing wires twice now. Both times were a success and still no wire initiated.
Product: Credit reporting or other personal consumer reports

I have been dealing with the bureaus for a while now. All through out these process, my life has been so much affected, my job, my livelihood. These items are not verified otherwise, the bureaus showed me how they verified these. I have been asking for the method of verification from them, but to no avail. 

I feel that my rights have been violated over and over again. I need these items reviewed and removed from my report.
Product: Checking or savings account

I was charged on XX/XX/year>, & XX/XX/year>, {$790.00} for a total of {$1500.00} that I never authorized
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I noticed that on my credit report for transunion it was showing my real estate mortgage account with XXXX  XXXX XXXX as closed. I informed the credit bureau that the account was open and current. I also asked XXXX XXXX XXXX to send in a correct report.When I made my request my credit score at transunion was XXXX. When XXXX XXXX XXXX turned in their info, my score dropped to XXXXWhen I inquired at the credit bureau as to why the score had dropped so low in just XXXX weeks. i was told that XXXX  XXXX XXXX had turned in the account as open and current. I was told that they had not however, turned in a payment history.I was told that the agency would request a payment history from XXXX  XXXX XXXX and that this would probably increase the score.I was also told that their was a Idifferent social security number on the account, other than mine. I was told that they would investigate and get back with me in a few days, but they did not. I was sent a copy of my credit report.That ia all that they have done.The supervisor that I talked to in XXXX was very rude and dismissive of my problem. He was male and I can't remember his name. I talked to a very polite lady a few weeks later and she said she would look into the situation and call me back. But she did not. My credit advisor, ,scoresense, told me that when there is a XXXX XXXX point difference in one credit reporting agency to another, there is something drastically wrong and a mistake has taken place. I put my credit reports side to side in XX/XX/2024, and they bascically have the same identical information.my XXXX score is XXXX. My Experian score is XXXX.My transunion sore dropped XXXX more points in XXXX month, although they have the same basic info as the other XXXXcredit bureaus.XXXX unesplicably has dropped my score to XXXX. There is now a XXXX point difference in the transunion score as opposed to the other XXXX bureaus. T is something terribly wrong and they are not trying to fix it. Please investigate this egregious erro0r by transunion. It is having a devastating effect on my ability to obtain credit
Product: Mortgage

In early   XX/XX/XXXX , I rece ived an email inquiry from   XXXX   XXXX   about refinancing my current  XXXX  condo mortgage. Since my mortgage is held by Wells Fargo, I contacted it about refinancing. The terms sounded good over the phone, I began the process. Later that day, I received a dozen or more somewhat confusing emails and despaired of the entire process, especially after discussing with my wife who reminded me of our desire to sell the condo next  XX/XX/XXXX / XX/XX/XXXX . So the next  day,  XX/XX/XXXX  be lieve, I stopped the process.   When I received my credit card statement, an amount of {$500.00} was billed but only {$470.00} re credited. I call t he WF rep (   XXXX   XXXX   ) who said t hat the remaining amount was for a credit report which was non-refundable. The next day or so, I asked when I would receive a copy of that report. She said that I would not and that it belonged  to WF. I wo uld like my money returned OR a copy of the report I for which I paid.
Product: Money transfer, virtual currency, or money service

I need to report the XXXX  of my XXXX XXXXXXXX XXXX XXXX and my XXXX XXXXXXXX XXXX XXXX. Im not going to get bullied by XXXX XXXX and them doing fraud because theyre not capable of getting a real job that doesnt involve stealing from me or my real family. All the banks are claiming theyre trying to help but theyre making a short term profit and a long term bad decision by failing to disclose and provide me access to all of my funds. Im not your XXXX XXXX  or your rancher thats a teleprompt and a fake XXXX. Leave me alone and you guys should be ashamed of yourselves for attempting to turn the United States of America into the United States of Frauderica
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX XXXX and Comenity Bank. I have disputed this issue more than once with both companies and not received as response as to why my information is not valid. 

There is an account that recently reappeared on my credit report. 
It is listed as XXXXComenity Bank XXXX The account shows as : Charge-off status update - XX/XX/XXXX Charge Off Amount - {$580.00} This account was charged-off to the company XXXX XXXX XXXX. 
My problem is that I settled this account in XXXX of XXXX. 
I paid a settlement amount of {$370.00}. This information does not reflect on the credit report. 
Another problem is that the credit report status has not been updated since XXXX of XXXX. 
Another problem is the charge-off company ( XXXX XXXX XXXX XXXX XXXX not even listed on the credit report. 

I have submitted 5 different disputes with XXXX and 2 separate disputes with the XXXX XXXX XXXX. I have provided documentation and when all of these disputes were closed I never received an explanation as to why my information was not adequate.
Product: Credit card or prepaid card

Attempt by individual to open multiple accounts using my information. Most recent fraud alert from Capital One. I do not have a Capital One credit account. Previously, a XXXX XXXX account was opened using my information
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding inaccurate information on my credit report, which I believe is a violation of my federally protected consumer rights under 15 USC 1681. 

Inaccurate Payment History : - XXXX XXXX  Account Number : XXXX This account is reflecting inaccurate late payment history for XXXX & XX/XX/XXXX and XXXX & XX/XX/XXXX. These late payments are not listed on my other XXXX credit reports where the payment history is showing up accurately, unlike Experian which is reporting inaccurate payment history for this account. 

Inaccurate Accounts :- XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Upon reviewing my Experian credit report on XX/XX/XXXX, I noticed that several items were incomplete and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates, as stated in 15 USC 1681 ( e ) ( b ).

Furthermore, according to 15 USC 1681i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified during a reinvestigation, the consumer reporting agency must : - ( i ) Promptly delete or modify that item of information from the consumer 's file based on the results of the reinvestigation ; and - ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

Additionally, as per 15 USC 1681s-2, a furnisher must not provide any information relating to a consumer to any consumer reporting agency if the furnisher knows or has reasonable cause to believe that the information is inaccurate.

I request that the aforementioned inaccurate accounts be promptly removed from my credit report to reflect accurate and verified information. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Roundpoint have hired XXXX to communicate this information from a debate collector to be used to collect on something that we have requested that roundpoint provide us with validation and disclosure information this entity have refused on every level to lawfully provide documents
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states that " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies and XXXX XXXX XXXX XXXX is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX XXXX XXXX XXXX, XXXX, Experian, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed immediately.
Product: Student loan

My loans started in XXXX with XXXX XXXX and were transferred to XXXX in XXXX. In XXXX I had a default history but the loans were rehabilitated in XXXX and sold to XXXX. Due to the fact I am enrolled in PSLF, my loans were transferred to Fed Loan in XX/XX/XXXX. I requested a FOIA from DOE to obtain my loan history from XXXX XXXX and XXXX in XX/XX/XXXX. I just received the loan history and is missing all the data from XXXX XXXX and XXXX also FED LOAN has me listed as rehabilitation forberance from XXXX, which is completely wrong.This can impact my loan history and potential forgiveness. Please assist me, My complains are both to the DOE for not having accurate information and FED LOAN for not giving the correct information. Please help.
Product: Checking or savings account

I was referred to a " handy man '' who promised to construct a small office in my home. Long story short, after I paid him {$1100.00} UP FRONT everything changed. 

All of a sudden the job couldn't be done. He then made a series of false promises, ultimately to disappear. 

1. The person was unlicensed.

2. This person never conducted the work.

3. I am now in the process of hiring someone to do the work.
Product: Debt collection

i dispute the validity of this debit, I've never done business with CREDENCE RESOURCE MANA nor signed any contacts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written TransUnion as well as called to have unauthorized inquiries removed. TransUnion has failed to investigate and remove these inquiries. 
XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 my direct deposit went into my private checking acct ar PNC ( I had opened the acct because I had asked my husband for a divorce and was trying to separate our finances. He had no clue what my new acct number was ) When I got up that morning to check my balance and move money to XXXX to pay my rent I was shocked to discover that a phone transfer had taken place moving money from my private acct to a joint acct I had shared with my husband and two atm withdrawels totaling {$1000.00} dollars. I was unaware of this and immediately called my bank to dispute it. I was told by the bank that since it was a phone transfer all he needed was my social and not my acct number to access my funds. I was not happy and went into the local branch in XXXX, Alabama and was told that they were unclear how he was able to access my personal acct without my PIN number and to call back on the XX/XX/XXXX when the transaction would no longer be pending. From there I was told that the funds never officially left my person since it went into an acct that had my name on it. Even though I did not give approval for any transfer and the person who did the transfer was not on my personal acct.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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, 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Debt collection

NCA Amount : {$430.00} This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue
Product: Debt collection

XXXX XXXX XXXX, has contacted me without my consent, and also obtained my personal information with out my consent.
Product: Credit reporting or other personal consumer reports

Recently I filled a complaint with CFPB against AMERICAN express COMPLAINT XXXX SUBMITTED XXXXXXXX  American express replied to the complaint, however it seems like that they did not read my latter since their response does not address my complaint at all!!!!!!!! 
I will repeat my complaint ; XXXX reported 2 late payments for XX/XX/XXXX  and XX/XX/, however I have attached proof that i did not receive any bill from Amex since i moved to a different apartment back in XX/XX/ and Amex bill is still addressed to my old address