23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 and 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, 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 file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX  XXXX Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Checking or savings account

In XXXX 2017 Wells Fargo Bank changed the checking account type that I have and purposely picked an account that has requirements they knew my account would not meet. Until the end of XXXX I had an Advantage Business Package Checking which did n't have fees provided I made a transfer of at least $ XXXX/month to a Savings Account for my business. Starting XXXX XXXX, 2017 my checking account was changed to the Wells Fargo Business Choice Checking account with a $ XXXX/month fee. My account met all the requirements to be moved to the Wells Fargo Simple Business Checking account but they chose instead an account that has more features than I need and also has a higher fee threshold. <P/>I did not notice I was being assessed a $ XXXX/month fee until XXXX 2017 when my account numbers were stolen by a hacker via Wells Fargo Online Banking. I was reviewing charges to determine which checks had cleared and I noticed the fees. I went into Store XXXX on XXXX XXXX, 2017 and met with XXXX XXXX XXXX and the Branch Manager XXXX to process the Lost/Stolen Account paperwork. Before we started processing the paperwork I notified XXXX that WFB had changed my account into a type of account I did n't need, want, or request and that I want a simpler checking account. I also asked for the fees to be waived and she said she would take care of it. She then processed the account transfer into the Business Choice Checking account which I did not want and also did not waive the fees before closing the Lost/Stolen Account. After all the paperwork was signed I noticed the fees had not been reversed and asked XXXX to do it, but she had already left for the day. XXXX the store manager said she could n't process a fee waiver on a closed account. I then called WFB Customer Service and they also said they could n't process a fee waiver. <P/>This is yet another example of how WFB slams fees on their customers and then comes up with excuses why they ca n't reverse the fees or make the situation right.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts were opened without my authorization or consent
Product: Debt collection

I contacted XXXX  XXXX in XXXX about the account they were attempting to collect and requested verification of the amount allegedly owed by way of billing statements and a show of how they got the to amount they claim. At the beginning of the year they claimed I owed {$9000.00} and have now increased that amount to {$9300.00}. From what I've read it is illegal for a collection agency to add interest and fees to a debt in the state of Texas and is a violation of state and federal debt collection practices.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX 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 the months that I was 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.
Product: Credit card

the chevron credit card consumer are over XXXX member ship charging ( LATE PAYMENT FEE XXXX ) IN XXXX BIG HOLIDY PER YEA. XXXX X {$50.00} = {$50000.00} .ENESENCE CUSTOMER PAYING {$50000.00} X XXXX BIG HOLYDAY = {$300000.00} corruption indpend howmany member ship this corruption jus only CHVRON CREDIT CARD DOING THE BIG HOLLYDAY XXXX PLEASE STOP THEM .AND punishment customer services in XXXX
Product: Checking or savings account

On Monday XX/XX/23 I went to a Bank of America ATM in XXXXXXXX XXXX and attempted to withdrawal {$300.00}. The atm started processing and made a weird noise like it was stuck. The atm screen then clearly stated that an unexpected error occurred and the transaction could it be processed. It stated the transaction was reversed and the funds are immediately back in my account. I then went to their other ATM and attempted to withdrawal the {$300.00} and the atm stated I didnt have enough funds. So I called the same day to file a claim with BofA, they stated they would file the claim and funds would be credited back. I have called everyday since and it is not XX/XX/23 ( Friday ) and my funds are still not in my account. I called BofA again this morning and I was told it will be 10 business days til I get my funds back. First of all I understand if this is the claims process, but the ATM clearly stated that my transaction was reversed and my funds were credited back immediately. So it doesnt abide by the normal claim timeframe. I even told them I needed these funds to purchase XXXX XXXX dinner items for my family, they assured me this was escalated and would be taken care of and it hasnt. I also worked for BofA for XXXX years and know that the ATM can be balanced to prove its over, they can pull the camera footage to show the funds were not given, they can pull the ATM records to show the malfunction and the message that was provided on the screen. I am going to seek legal counsel and pursue it because the message the ATM gave was false. And they are refusing to return funds.
Product: Credit reporting or other personal consumer reports

Hello and good day, please read this complaint carefully as this has brought me tremendous stress and resulting on my new credit applications being rejected due to your negligence. This is unacceptable and a clear violation of my rights as a consumer as you have breached and violated my right to privacy, I never gave permission for this information to be reported on my credit report. It's hurting my credit score and impacting my life negatively.
Product: Mortgage

As usual, Select Portfolio Services is up to shenanigans on my mortgage XXXX. 

I sent a {$2900.00} payment on Saturday, XX/XX/XXXX to their overnight address, which they received at XXXXXXXX XXXX on XX/XX/XXXX. I have proof from the USPS in the attached document ( Slide XXXX ). 

The U.S.P.S. confirmed the package was received on XX/XX/XXXX at XXXXXXXX XXXX. ( Slide XXXX ). So, THEY SHOULD HAVE POSTED IT XX/XX/XXXX. THEY did not. They are waiting for some reason. I pray to XXXX it posts XX/XX/XXXX and is back-dated to XX/XX/XXXX. 

This is unacceptable. I want the payment back-dated to XX/XX/XXXX, which is the day they received it. As I understand it, they HAVE TO DO THIS! IT IS THE LAW! 

This is a very important payment for me. The payment, by posting on XX/XX/XXXX, would mean that my mortgage was CURRENT as of XX/XX/XXXX and XX/XX/XXXX, with my next payment not due until XX/XX/XXXX. 

This is important because by making my mortgage current on XX/XX/XXXX, it resets the foreclosure clock that all mortgage lenders run. I know this because I was a XXXX XXXX at XXXX XXXX XXXXXXXX. 

But what I believe THEY are doing is trying to drag the posting of my payment into XXXX so you can claim I was never on time and keep the foreclosure clock right where it is! It is a DISPICABLE tactic! and they must be stopped. 

You can see in my attachment that the payment is posting effective XX/XX/XXXX ( slide XXXX ). This is one day late as they dragged their feet on posting the payment. You must fix this! 

Further, I want a SIGNED letter from SPS stating my mortgage was current on XX/XX/XXXX, and XX/XX/XXXX, with my next payment due XX/XX/XXXX. So, in the future, WHEN SPS tries to pull a fast one, I can throw their own acknowledgement letter back at them. 

I want this payment back-dated to XX/XX/XXXX XXXX, XX/XX/XXXX! Please use your power to force these clowns into doing their jobs! 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt, in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) 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

Experian, XXXX, and XXXX have not fulfilled their responsibilities under the Fair Credit Reporting Act ( FCRA ) to perform a thorough reinvestigation of disputed information on credit reports, resulting in the persistence of inaccurate and unverified account details. Recently, the Consumer Financial Protection Bureau ( CFPB ) initiated legal action against Experian, citing systemic failures such as neglecting to relay consumer-submitted evidence to data furnishers, accepting unreliable responses, and inadequately informing consumers about the outcomes of their disputes. These shortcomings resonate with my own experiences, where Experian, XXXX, and XXXX have failed to rectify or eliminate disputed items despite the evidence I provided, which has adversely affected my credit standing. I am seeking immediate corrective measures to either remove or amend the disputed accounts, as Experian 's inaction constitutes a violation of federal law and infringes upon my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Chase Bank is declining my claim concerning fraudulent XXXX transfers made from my accounts. Chase has a detailed letter of complaint from me and has decided to deny the claim. I did not make the transfers. 

XXXX XXXX,2022 for {$4500.00} XX/XX/2022 for {$4100.00}
Product: Debt collection

TransWorld Systems is reporting account number XXXX on my credit report when I paid them. My credit report reflected a balance of {$77.00} but they are still continue to report this items. I had originally disputed it but it does not say disputed on the credit report which I know is a violation of the FCRA.
Product: Consumer Loan

I was harrassed by calls from representatives of 5th 3rd bank about my auto loan payment. I made the payment and they still called me. I told them it would n't show up in their system b/c it was over a holiday and a Sunday but they still asked me why do n't you pay your bills on time. This was the second to last payment on a car loan that I paid on time every month except this XXXX I simply forgot. I asked them to stop calling and they refused. The representative 's name was XXXX and her supervisor was XXXX XXXX - XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the rights 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 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My father XXXX XXXX on XX/XX/XXXX. I am the court appointed executor of his estate. I received a bill dated XX/XX/XXXX ( received on XX/XX/XXXX ). As the original creditor is not listed on this correspondence, I called to ensure this debt is not being collected under the original creditor name and a collection company. After requesting a manager, I was transferred to XXXX who advised me it is " Against the Law '' for him to tell me the creditor on this debt. When I asked what law it was against, he openly admitted he did not know and did not even know if there was a law prohibiting it. He transferred me to his supervisor XXXX and she also refused to identify the initial creditor. Ascension Point is practicing deceptive collection practices through both the failure to identify the original creditor which is required by law and through the use of intimidation by making false statements such as " Against the Law ''
Product: Debt collection

During Covid, I needed extra help. But I was young and irresponsible and fell behind on my credit card payments. Used them while I was at school with no job to pay the money back. Was unable to catch up on payments before the accounts were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Had a wreck and total loss my vehicle. Was not educated on how payments work while under insurance processing. I have never been late on a payment for 2 years and received a late payment because of the total loss process and the company isn't willing to get it removed from my credit score after there has been on time payments. 
XX/XX/XXXX Spoke with a representative that stated that i was not late on my payments and stated she would send in a dispute. She stated that it would take 30 days to update. 
Capitol One received my insurance payments and the amount is paid down from XXXX to XXXX. Late payment still hasn't removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against Equifax for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX, account number XXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files. 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account breaches this requirement. Furthermore, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing. 
Payment History Discrepancies The account XXXX shows recurring inaccuracies across XXXX, XXXX, and Equifax credit reports, specifically related to late payments. Each bureau reports multiple XXXX, XXXX, and even XXXX late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to Equifax, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and TILA.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Acct # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This account, originally associated with XXXX XXXX, is being inaccurately reported as a paid collection despite inconsistencies in the date of last activity and date paid. Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete, and up to date, yet this account contains errors that require immediate correction or removal. 

Most importantly, Professional Debt Mediation is bound by an arbitration agreement, which prohibits them from reporting or attempting to collect this debt outside of arbitration. By reporting this collection to the credit bureaus, they are in direct violation of the contractual terms they are obligated to follow. 

Additionally, Professional Debt Mediation has failed to provide sufficient validation documents confirming their legal right to collect and report this debt. Without a bill of sale or chain of title from the original creditor, they lack the legal standing to report this account.
Product: Checking or savings account

I had filed filed fraud charges with Bank of America on XXXXXXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The charges were appeared to be taking out of my account started in XX/XX/XXXX. I had a subscriptions with XXXXXXXX XXXX XXXXXXXX was but had canceled in XX/XX/XXXX because I was relocating to Georgia. The subscription had 2 cars attached to it. One of the vehicles were sold. XXXXXXXX XXXX XXXX XXXX told me if the tag is still on car anyone can reopen the account. I canceled my BOA cards and open an investigation. The returned the charges in XX/XX/XXXX. Now XX/XX/XXXX, I received a letter saying there was no fraud & the fund will be taken out of my account on XX/XX/XXXX. I called BOA XXXX XXXX Department. The XXXX told me since I called prior it will be open & the charges will be stopped. Well on XX/XX/XXXX my account is negative {$170.00}. On XX/XX/XXXX another charge of {$120.00} was taken out my account, now its negative {$240.00}. I called BOA again the rep now tells me tat dept is closed call back tomorrow. I call back XXXX XXXX the XXXX BOA rep tells me I need to write a formal complaint to re open the investigation & it should have been done 3 days prior & faxed in with documentations to investigate. I faxed in complaint XX/XX/XXXX.