23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was late making a payment one month on my JCPenney credit card. I was charged a late fee of {$34.00}. I made the payment due a couple days after the due date, and then made the next regularly scheduled payment on time. I was again charged a late fee, however, because rather than add the late fee to the total balance, Synchrony Bank added the late fee to the minimum payment due, in effect doubling or tripling the minimum payment amount that is usually due. I contacted JCP and talked to a rep or XXXX on the phone for over an hour. I said I could not pay the late fee on top of the min payment due and they should add it to the total balance. Instead, I was charged another late fee, despite making the payment on time. I ended up getting disconnected after over an hour of waiting on the phone with them. This is unfair. I made one late payment in years and was charged XXXX late fees, despite making only one late payment. The late fee should not be demanded along with the minimum payment due. I did get the late fees refunded to me, however, the practice of adding the late fee to the min payment due is what I am disputing. It took over an hour of my time to resolve an issue that should have never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEST BUY/CBNA XXXX payment reflected on XX/XX/2020 on my three boroughs. This is not correct. I have made all my payments on time. As you can see on my history all payments are current. I had my account in automatic payments as well. This is an internal issue with Best Buy.
Product: Credit reporting or other personal consumer reports

I am writing the complaint because I have not been treated within the guidelines and all the credit agencies do is try to stall me out and make things difficult. I have been a victim of identity theft because of the equifax data breach and I need my situation advocated for
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX Account # : XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Upon the completion of your investigation and subsequent corrections, I kindly request the issuance of an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld System continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2020 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Transworld. To that end, I sent a letter to Transworld Systems. Transworld has stated that the account was marked as in dispute ; however, my previous letters to the bureaus reflect that I was  disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on with the credit bureaus then they should have updated the account to reflect disputed at that time not later. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. As a matter of fact, the attached letter they sent reflects they do not have any information to validate the inaccurate entry they are continuing to report. Additionally, they state they are unable to complete an investigation in a timely manner. This is not my fault and being that they are the company reporting and do not have sufficient evidence to support this negative entry, they must delete it. 
It is obvious that Transworld will not be able to validate their allegation with documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am sending this dispute regarding the collection account associated with XXXX T XXXX XXXXXXXX XXXX Account number : XXXX. Pursuant to 15 USC 1692c ( c ) under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this account. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00}
Product: Credit reporting or other personal consumer reports

I sent letters to the bureaus to update my Social Security number since XXXX different ones show on report
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

On XX/XX/year> I went to the Navy Federal Credit Union. My dad is a XXXX XXXX XXXX  veteran ( XXXX XXXX XXXX ) and Daughter ( XXXX XXXX ) opened up XXXX accounts, XXXX primary owners and a joint account with XXXX XXXX XXXX, she only opened up XXXX primary owner accounts and completed only XXXX enrollment processes and It should have been XXXX enrollment for each account. 
I returned back to the Navy Federal Credit Union and I spoke with XXXX XXXX XXXX a second time so she can fix her mistake. I explained to her that the veteran will be having his Social Security and VA benefits deposit to our joint account with his daughter ( XXXX XXXX ) and we will need a joint direct deposit slip form. Document Tampering see direct deposit sign-up form No POD Also I need the veteran POD form, because XXXX only XXXX me XXXX POD forms for the joint account, and my primary account, but not for the veteran. The third visit I came in contact with the XXXX XXXX XXXX XXXX XXXX XXXX I was explaining to her what my problem was. She needed to work on her soft skills. I requested her business. I talked with XXXX representatives and my problem is still not solved. The XXXX was away in the morning meeting. I requested an appointment with the XXXX still to business, so the supervisor XXXX XXXX set up a appointment at XXXX pm the next day at the end of the meeting XXXX XXXX XXXX wanted me to fill out a Navy Federal Change of information/ add Joint Owner form that didnt make sense to me. We already did that with XXXX XXXX XXXX. 
My complaint is tampering with federal documents. See Direct deposit sign-up form and non-negotiable direct deposit both have the same checking account number. NO ( POD ) form for my dad.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and dissatisfaction regarding the presence of fraudulent items on my credit report, which I have previously reported to your agency. Despite my initial dispute and the provision of supporting documentation, these fraudulent items have not been removed from my credit report, and they continue to have a detrimental impact on my financial standing. This letter serves as my second attempt to seek the removal of these erroneous entries. 

I initially reported these fraudulent items to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to prove the inaccuracies and fraudulent nature of these entries. However, despite the evidence I submitted, these items remain on my credit report, causing unwarranted damage to my creditworthiness. 

I kindly request that you conduct a thorough investigation into these fraudulent items once again and take immediate action to remove them from my credit report. As you are aware, the presence of inaccurate and fraudulent information on a credit report can result in serious financial consequences, including the inability to secure loans, obtain credit, or make essential purchases. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a reasonable reinvestigation of disputed items and correct or delete any information found to be inaccurate or unverifiable within 30 days. I expect that you will adhere to this statutory requirement and take prompt action to rectify this situation. 

Enclosed with this letter, you will find copies of all the documents and evidence I provided during my initial dispute for your reference. This documentation includes [ list the documents you are enclosing, such as DL, XXXX identity theft reports, correspondence with creditors, etc. ]. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, outlining the results of your reinvestigation and confirming the removal of the fraudulent items from my credit report. Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information, as required by law. Please assist me to remove the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX have garnished my bank accounts for a debt that was not owed due to a Bankruptcy that was charged off in 2016. I have filed timely responses to the courts regarding of the unknown/ unowed debt, and XXXX XXXX is the Attorney Office that collected for UnifundXXXX XXXX XXXX. I have provided proof of no right of recovery, and they garnished the account after the statute of limitations had been exhausted, by 2 years. The actions taken have been well reported to be in strict violation of the CFPB Laws, and should be held liable for punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX open : XX/XX/XXXX XX/XX/XXXX one Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

XXXX. XXXX XXXX : XXXX, XXXX XX/XX/XXXX one Late payment ( inaccurate ) ( Payments were on time ) Remove and Delete late payments and up date details immediately. 

XXXX. XXXX XXXX : XXXX XXXX, XXXX three lat payments ( XX/XX/XXXX ) Late Accurate, ( XX/XX/XXXX, XX/XX/XXXX ) inaccurate I was never late three times i admit, i was late on XX/XX/XXXX but only three days it wasn't 30 days late. Please correct these items and update them. 

Unauthorized collection/ Unverified account Pursuant to 18 USC 8, Owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 usc 1681b 2. The company has also NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. Here are the list below : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00}. I asked for documents but nothing was presented. This is a violation under 15 usc 1681 i want documents ink with my name sign.
Product: Bank account or service

Hello, I 'm a small business owner who is a reseller of business telephone equipment and services and installation. On XXXX XXXX 2016 I sold and installed a telephone system for XXXX XXXX Attorney at Law. We had also sold her service " XXXX XXXX XXXX on a separate month to month invoice. She then opted out of the service agreement 2 days prior to port and decided to go with another vender. But was still using the equipment that was installed. Suddenly On XXXX XXXX I received a reversal payment of {$2000.00} fro my merchant provider XXXX. We do not offer a return policy for equipment after 30 days. I have proved the installation, the delivery of purchased equipment to XXXX, and I 'm limited to information that they will provided, the other BANK which I have learned is Chase is contributing to FRIENDLY FRAUD and ABUSE OF POWER. I 'm asking for a FEDERAL AGENCY to INVESTIGATE as I 'm out of the PURCHASED TELEPHONE EQUIPMENT and the LABOR of INSTALLATION and the REVERSED FEES. XXXX will not provide me information about this transaction nor will CHASE. I feel as if I 'm a victim of FRIENDLY FRAUD and ABUSE OF POWER from XXXX BANKS and an ATTORNEY XXXX XXXX Transaction ID : XXXX Authorization XXXX ID : XXXX {$2100.00} USD
Product: Money transfer, virtual currency, or money service

I am concerned about Zelle 's current disputes with the CFPB lawsuit. I frequently use Zelle and my claims arent addressed. And of course, the CFPB comes out with news that Zelle does not protect consumers and does not try to prevent scams. This is unjust and Zelle needs to be held accountable.
Product: Credit card or prepaid card

I closed the account and they billed me the annual fee anyway, then put it into collections. It is only {$50.00} and I could pay if I owed them the fee. They assume I dont have any money. 
I have called five times to confirm that I requested an account closing and they keep hanging up on me after I speak to one person then get transferred.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXXXXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have asked Darnel Quick Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Checking or savings account

I opened my Atlantic Union Bank account XX/XX/XXXX with Unprofessional woman Named XXXX XXXX at XXXX XXXX XXXX XXXX va She was rude and I had issues with depositing check for alimony Rude tellers XXXX XXXX is a thief and into Extortion and Discrimatory acts and defamation I was in atlantic union bank at XXXX XXXX XXXX XXXX XXXX va and XXXX XXXX said I could not have money money Why not I just got my check I have written five I just mailed my mortgage..she said XXXX XXXX and XXXX XXXX said I didn't want to bank at XXXX XXXX I said what are you talking about I said I want to get money I was threatened by XXXX XXXX and XXXX XXXX and told I was going to go to jail Why I was humiliated I called XXXX Report this behavior to State police and XXXX police XXXX I am waiting for Detective XXXX to call Me and XXXX XXXX director XXXX had the calls XXXX has one too Today I got XXXX from XXXX at XXXX Atlantic union and they refused to give me my receipt I went by Atlantic Union XXXX XXXX XXXX and in drive through line I was attacked by XXXX XXXX She jumped on my car to give me a letter I got in mail that said I had to finish banking by XX/XX/XXXX These Criminals terrorism me I called XXXX as I went through drive through I was verbally banned XXXX XXXX is extorting money Why is she violating FDIC laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Disputing the amount that I owed -with select mortgage XXXX was rude and not very helpful of why they took the loan out of escrow -- -- no letter, no paperwork was submitted to the homeowner or veteran. I have a promise to pay in XXXX The relationship manager was rude as well by the name of The assigned Relationship Manager, XXXX, can be reached at XXXX, extension XXXX, I have not gotten any straight answers out of anyone but to be placed on hold and rude service.