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

My accounts with XXXX XXXX XXXX  XXXX XXXX AND XXXX were 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 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. XXXX XXXX XXXX  XXXX XXXX AND 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: Money transfer, virtual currency, or money service

Chase bank continues to show retaliation towards me for making complaints. They are now allowing a company steal my money and not help me even with proof. XXXX is a company I found on XXXX to start my XXXX. These people are thieves and stole my money. I trusted them paid them in XX/XX/XXXXmy XXXX should have been up and running by XXXX XXXX.IT NEVER HAPPENED. I gave them another month NOTHING happened. Then another month nothing happened. They lead me own caused me to not have no income for over 3 months. NOT FAIR. I was told I can dispute with my bank I did and was denied with no contact or concern. That was my entire savings to start a XXXX and they destroyed that. Now my bank I supposed to trust are allowing them to steal my money and they didn't deliver their service. It should not matter that it was a ACH the services weren't RENDERED. That is a illegal charge. Chase is allowing with no care and causing life changes in my financial life due to this company not following through and now my bank not having my bank. Chase bank has an ad to give money back until they investigate not with me they decided and denied no questions asked. NOT FAIR. They stole my money. 

How can your complaint be satisfactorily addressed? 
I trusted this bank and now they are letting me down. This bank is allowing XXXX to steal money from me. I want my money back as I am well in my rights to do so and per Chase agreement. Chase is not following protocols to protect their clients and not fair ethics practice. I gave proof and no help at all without even contacting me through the process. RETALIATION is only happening because I filed complaints. Chase needs Refund the money they stole from me. Right is Right and Wrong is Wrong. Chase is suppose to put their customers first and treat them with respect. They are allowing a merchant steal from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXX, ELAN FINANCIAL XXXX XXXX XXXX, XXXX XXXX XXXX CITIZENS BANK, XXXX XXXX plus more.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account for XXXX VYSTAR CU, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws. I request your assistance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I got an e-mail from Paypal that there was in invoice for a payment, but it is fraudulent. This remains as pending and Paypal will not remove it. I have not authorized payment and have not been charged but the invoice can not be removed. Now I want to close my Paypal account and Paypal says I can not with pending payment still there. There customer service is completely useless. The {$400.00} and {$600.00} pending invoices are fraudulent. Paypal allows fraudulent invoice to remain and if you accidentally authorize payment you have no recourse.
Product: Debt collection

Calling daily. Won't provide me with any information about the amount owed. What it was for. They operate under a variety of names. First it was XXXX XXXX or XXXX XXXX XXXX, then XXXX, Genesis FS Card Services ( XXXX, Oregon ). I have called several times asking for someone in authority or their Fraud Department. The operator says no one in the Fraud Dept. wants to speak with me...?? They are very evasive. They want to record the call but when I say OK and I'll record the call on me end. They say they will not converse with me if I record the conversation. 

They want my SS #, my address, DOB, and telephone number to be able to find my account. Of course, I refuse to give them any personal information. So they say without that information they can't find my account...? I know that if they had my name, phone number they could easily find my name in the account base. 

I have outstanding credit. No debt and a FICO score of XXXX. I know this is some sort of scam. I just want it to stop.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/2023 I was checking my credit and was making sure I everything was paid on time and was still on the right track. I actually noticed that its some unauthorized hard inquiries that I didnt apply for that are there. Ive sent a letter to all XXXX bureaus and told them that these inquiries are unauthorized, they still havent removed them. I dont know what going on or if the bureaus are working or its technical difficulties. But I would like to get a fair resolution to this issue by deleting these hard inquiries.
Product: Payday loan, title loan, personal loan, or advance loan

I set up a payment plan through my credit card Chase XXXX XXXX XXXX plan. The agreement was for {$2200.00} to be paid back in XXXX installments at {$95.00}. This plan was started on XX/XX/2023. The problem is we attempted to purchase a trampoline for {$1000.00} we waited almost a month and the company never reached out or anything so we disputed the payment and we were refunded the money. Now we have the Credit Card set up to automatically pay the interest savings balance every month. The refunded amount should have gone back into the account to pay off the monthly balance, however ; they applied it to my Chase XXXX XXXX XXXX XXXX account and now the balance is higher than it should be this month. They have stated that there is nothing that can be done once the money is allocated to that payment plan when I never intended for the money to go there. Now this month the interest saving balance is super high and should not be and that balance should have never been allocated like that without my consent. I believe they did this acting in bad faith to get out of a 0 % interest payment plan that they had offered and established and believe this is predatory in nature. There absolutely should be a pre authorization to apply payments like this.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXXXXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer report on XX/XX/2021 from XXXX  XXXX XXXX XXXX and Experian. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with XXXX  XXXX XXXX XXXX and Experian ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave Transunion, XXXX, or XXXX  ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF SECTION 605C, I WOULD LIKE ASSISTANCE IN REMOVING AND BLOCKING TWO COLLECTION ACCOUNTS IN REGARDS TO 605C.
Product: Money transfer, virtual currency, or money service

I began a XXXX transfer of XXXX on XXXX XXXX. The account the money was sent from had processed the order by XXXX XXXX. 

Despite this my money has still not arrived in the XXXX/Coinbase account that it was sent to. 

I 've sent messages to them asking them to resolve the situation from the XXXX of XXXX but have received mostly automated messages. The one message that did not seem automated was one stating that a " at this time we have escalated your case to a specialist. '' That was on XXXX XXXX. I have not heard anything in response since despite sending multiple messages via email & XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. As a result of this breach, my personal information has been compromised, and fraudulent accounts or activity have been placed on my credit file.

Under the provisions of 15 USC 1681c-2 ( a ), I am requesting the immediate removal of all fraudulent items that have been reported on my credit file as a result of this breach. I understand that this section of the Fair Credit Reporting Act ( FCRA ) gives me the right to block any information that has been reported as a result of identity theft.

I am requesting that all fraudulent accounts, inquiries, and any other related activity be removed from my credit report and that any associated debts or negative impacts be rectified immediately. Please confirm the removal of these items in writing and provide an updated credit report reflecting these changes. 

Should you require further information or documentation to process this request, I am available to provide it. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

I have written to XXXX XXXX on several occasions asking them to confirm the validity of this debt, but they have provided no information for me. I do n't know where the debt originated, or if they should even be pursuing me to collect it, as they 've never given me any details. I would at least like it to be removed from my credit report in the meantime.
Product: Credit reporting or other personal consumer reports

" Upon reviewing my credit report, I discovered that I have been a victim of identity theft. I found several unauthorized credit inquiries that I did not initiate. Please remove the following fraudulent inquiries from my credit report. ''
Product: Student loan

Navient I am sorry you misinterpreted my previous complaint. I requested Navient to send me a copy of the XXXX federal consolidation loans in XXXX that appear on credit report. My credit report contains XXXX federal consolidation loans. With an amount totaling over {$100000.00}. 
I contacted the federal government. They wrote me back and stated this. In XXXX I had a bankruptcy. Your student loans were not in default. So they sent my student back to XXXX for automatic repurchase in which XXXX complied. Then in XXXX XXXX lost their license to consolidation of federal student loans. As of XXXX XXXX is a private lender of student loans. Then I sent the contract Navient sent me for over {$49000.00} in student loans to the federal government then they wrote me back stating the FFELP Consolidation loan of XXXX they knew nothing about the consolidation loan of XXXX nor could XXXX write a federal Consolidation loan in XXXX due to no license with the federal government. The federal government stated as of today I do not owe on any student loan with the government They also stated no one never purchased my student loans. 

In XXXX Navient was formed aka SallieMae and that the transition did not go well documents were lost and forged. 

So they told me to ask Navient to send me a legal contract of a Consolidation FFELP student loan with XXXX in XXXX so they can review both license of XXXX and Navient. Third request. 
Also I am asking Navient did you purchase my student loans and if so send me the chain of custody. Navient did you turn my student loans into private student loans?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a dispute I previously submitted concerning several inaccuracies on my credit report. Despite my earlier communication, these issues remain unresolved and continue to negatively impact my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my credit report. The credit report showed credit inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put any inquiries on my file unless I have authorized it. Please have the inquiries removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Credit card or prepaid card

Bank of America closed my credit card without giving me prior notification. Even after the account was closed, I still received no letter or correspondence in the mail notifying me that the account is now closed. I had to find out from XXXX that the account was closed. I made a payment of {$300.00} in XX/XX/XXXX and apparently when I made this payment, the account was already closed. I'm not sure how this was possible when I went onto the Bank of America App and made the {$300.00} payment. I called and spoke to customer service today and was told " Bank of America does not have to notify you that your account is at risk of closing. Also, when I called the rep asked me to make a payment on the account which I found odd because if the bank never told me the account closed and that I could still make payments on it, how do they expect the customer to know? In addition to that, they claimed the account closed in XX/XX/XXXX, it is now XX/XX/XXXX and I've never received a letter, phone call or email from Bank of America or a collection agency requesting payment on this closed account. Bank of America is engaging in unfair and deceptive business practices. If the account is in collections why haven't I been notified or contacted?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to Transunion regarding my XXXX XXXX Account. It was paid in full XX/XX/2016 but is still being reported on my credit as an ongoing charge off for the last four years ... and still going. This is inaccurate and unfairly hurting my credit.