23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Audited my card transactions on XX/XX/XXXX and noticed my automatic payment did not get applied. I then see a late payment fee and interest. I call ( waited 45 minutes ) and was told that nothing could be done about the late fee because technically my payment is late. I told the representative that it wouldn't have been late if my automatic payment was processed. She then claims my automatic payments were canceled online! By who? I didn't. Look at my payment history. Automatic payments for YEARS. Why would I change that? She then states that they sent me an email ( I didnt get it ). But as a good will gesture they would refund the interest! After being with them since XXXX thats how they treat me! They are refusing a credit on the late fee. Bad business! 

Chatted online on XX/XX/XXXX and XX/XX/XXXX with the same results. Asked to call a number that just hangs up on me.
Product: Debt collection

I sent a fax on XX/XX/2021 and received no response.
Product: Debt collection

XXXX account was opened on XX/XX/2022 at XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL ) using my personal information. Valid ID was used and SSN required to open this account. 

I received a bill from XXXX initially in XXXX but I do not have XXXX XXXX and the paperwork did not appear legitimate so I got rid of initial bill. I received a second bill in XXXX which prompted me to call XXXX customer service and was in touch with their XXXX department. At that time I reported that it was not me who opened the account or me who uses their services for my cell phone. The representative stated they open an investigation ticket and reported that there was no balance for the month of XXXX at that time. 

XX/XX/2022 I received a bill from a collections company called " The CBE Group, INC '' for an amount owed to XXXX XXXX of {$5200.00}. I then called XXXX XXXX again to learn that nothing was ever done about my first Fraudulent report done in XXXX and I began the process again yesterday. I went to my local police department an filed a police report. I also notified CBE Group that this was not my debt and that my identity was stolen.
Product: Credit card or prepaid card

I have used Square to receive payments for several years. Two weeks ago someone hacked their site and put a {$400.00} charge through on my account which I immediately refunded. I then continued to take payments after changing my password. Now they will not transfer my money into my back account.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Take note of the attached documents. I request the bureau to commence an investigation into these accounts, as I have consistently been on time, contrary to the reported information
Product: Debt collection

I have an account reporting that does not belong to me and I have tried on several dates XXXX without any success. I have also contacted the company directly to no avail. This account is reporting to my credit and damaging my credit credit.
Product: Credit reporting or other personal consumer reports

Notice of Impending Lawsuit Sue to Erroneous Errors on Credit File To : XXXX, XXXX and Experian I have previously notified your credit reporting agency in reference to two XXXX XXXX credit cards that have been placed on my credit report without validation. 

It is my understanding that your agency receives compensation to report this erroneous error. This is official notice that I am disputing these errors despite previous notices. Despite my efforts to resolve the discrepancies, I have not received adequate responses or corrections to my credit report, thus leaving me with no other alternative than to consider legal action. 

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or incomplete information contained in my report. I have provided supporting documentation and evidence to support my claims. 

As a result of these unresolved errors, I have incurred denial of credit, higher interest rates, and loss of business opportunities, which have negatively impacted my financial standings and overall being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act XXXX Account reported by XXXX XXXX XXXX reported for the months of XX/XX/2018 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on auto loan account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Transworld Systems , Inc has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Transworld Systems , Inc has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. I never received a letter of validation regarding this alleged debt. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld Systems , Inc is attempting to collect. Transworld Systems, Transworld Systems , Inc has no legal right to attempt to collect a debt. Transworld Systems , Inc has not validated this debt nor sent me a notice of collection. Transworld Systems , Inc is in violation of the FCRA and the FDCPA.
Product: Checking or savings account

Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX XXXX   struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.
Product: Credit card or prepaid card

I used my Chase credit card to purchase a large food order at a drive through restaurant while on a long distance drive. About an hour later, we opened the bags to find that it was the wrong order and was significantly less food than what we had paid for. I called the restaurant and the manger told me I would have to go back ; I explained I was already an hour away and I was not going to be in that area again. So I tried to dispute the charge on Chase.com. I kept getting errors and messages to call Chase Customer Service. I called Chase Customer Service and was told by the rep that she had filed the dispute and that I would get a message to confirm. I never received the message and no dispute was filed. The app still won't let me dispute the charge ( error message ). I have been leaving messages ( via mobile ) for about a month, with no replies from Chase other than " we will get back to you ''. It is ridiculous. I will be closing all of my accounts with Chase but I want this charge removed before I do so. This is absolutely terrible customer service and I will never do business with Chase again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several problems with XXXX 's reporting. This account is too old to be on my credit report, the payment history is incorrect, the history and account status is incorrect. XXXX investigated and correctly removed this account from my credit report, but XXXX and Equifax have failed to do so. They have not completed a timely, adequate, or proper investigation and have not appropriately provided me with results of their investigation. XXXX is incorrectly reporting this information.
Product: Checking or savings account

I had a savings account with Breadsavings for at least a year and then I recently opened up a second account and made a funding of {$1200.00} and then an add'l {$100.00}. I did an external transfer through Bread Savings website for approximately $ XXXX in early XXXX. I recall seeing the funds in my 1st Bread account totaling {$20000.00} on XX/XX/XXXX but with that I saw my account was frozen. I contacted them and was told that I needed to send my statement proving the money came from my personal account. 
At that point, I realize that Breadsavings is not the financial institution for me. In the past, I have opened up an account and tried to do an external transfer of funds into that account but the bank immediately requested the copy of my statement of where the money was coming from before it hit my account. Bread Savings decided to wait until my money was in the account and then decided to freeze it and request my statement. Although I submitted my statement on XX/XX/XXXX, the freeze is still sitting on my account. I was told it would take approximately 3 to 5 days to remove that freeze which has come and gone. I would like to have access to my money so I can withdraw it out of Bread Savings. They are now ignoring me so I am asking for your help to get my money back. I earn every XXXX I have, I do not owe anyone except for a mortgage, I have an XXXX credit score, I purchased a car under a 5 year loan and next month will be my last payment at a 2 years and 8 month payoff. This is the person I am and I am truly upset that a bank feels it's okay to keep the money that I earned and treat me like I need to be under investigation. Please do not allow banks to keep a freeze on consumers accounts when it clearly shows the money came from the consumer account. This should be illegal.
Product: Credit reporting or other personal consumer reports

I recently disputed a charge off account on my Transunion credit report and have received no response. First of all, what transunion is reporting is not being reported by any other bureau so it should be deleted for that reason alone. Also, According to the IRS, A Charge off is a financial loss that may be deductible as a business expense, but is not considered income to the consumer. Therefore, the reporting of this charge off as income on my credit report is misleading and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CHILD SUPP, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Consumer Loan

I went into XXXX XXXX on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3, the dealership never disclose their relationship with Chase Bank. The dealership was in a rush to sell me a car. The salesperson XXXX XXXX called me everyday for about 2 weeks. I spoke with XXXX from Chase and she told me the dealership was suppose to tell me that I would have XXXX inquiries instead of XXXX. I wanted to get my private student loans consolidated but due to number of inquiries by this dealership, I ca n't do anything. This is unfair to me. The finance XXXX from XXXX never disclosed that it was a part of Chase. I am client of XXXX XXXX XXXX and they advised the dealership should have told me that. I had XXXX inquiries from XXXX, it also affected my credit score. I also sent over the inquiries to the general XXXX, XXXX XXXX as proof. I do n't think its fair because I really need to consolidate my private loans to get a good rate. XXXX misled me because they did not disclose all of the information to me. I was told by XXXX XXXX Firm where I am a client that XXXX inquiries is too many and will affect my credit for 1 year and the entries will not be removed until XXXX XXXX. This is causing me a hardship. Why did n't the dealership tell me about the relationship between XXXX and Chase. Like I advise before I did have a recorded conservation with XXXX telling me that the dealership should have told me this information. I was sent a copy of my permission to have my credit pulled but I never received an answer as to why my credit was pulled XXXX times and I was never told about it plus I was never told the actual loan was approved by Chase. I was misled by XXXX, I also have proof that XXXX XXXX, sales consultant for XXXX called me everyday for XXXX weeks ( I have a copy of my phone records ). I will continue to complain until this resolved, I have XXXX inquiries on my credit report. This is unfair.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear XXXX  I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with midland account XXXX XXXX i believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. Failure to comply with this request XXXX result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FRCA section 605b it is ILLEGAL to report information on my credit report without my permission. Thank you, and please delete this off my report.
Product: Credit reporting or other personal consumer reports

I was going back-and-forth with XXXX XXXX credit card services on them reporting that my account was late, but my account was compromised due to fraud and authorized payments were used. So due to fraud, they sent me a letter saying that my account was never late, but the credit bureau will not change that.
Product: Credit card or prepaid card

Navy Federal Credit Union Credit card issued fraudulently under my name approximately XXXXXXXX XXXX with a opening balance of {$23000.00}, I first noticed this account in XXXX of same year in my XXXX XXXX Acct,. I called the Navy Federal Credit Union XXXX ( spoke with a rep XXXX and gave me a confirmation # XXXX ) at which time they said they would lock down the acct. and start a fraud investigation. Till this time I still have not heard back on any results as of this date XXXX XXXX. I call twice since XXXX and XX/XX/XXXX couldn't get me thru to fraud div or systems were down, In XXXX i gave both my e-mail and phone # but have yet to receive a response. I believe i gave them plenty of time to resolve issue. Further more I'm not a veteran though my father was a XXXX Vet he passed in XXXX and did not belong. I would appreciate your help in resolving this matter. Thank You
Product: Debt collection

This company continues to try to collect a debt of {$750.00}, although it is clear that I do not owe it and that a XXXX party that is in privity with it is the party that may owe the money. The company has been told by me, XXXX and government regulators tgat no debt is owed. Therefore the company can not collect a non-existent debt. Nor can it sell a non-existent debt. Nor can a company continue to demand payment, after being put on notice of such facts, without violating federal debt collection statutes. Please sanction it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted a dispute using Experian and requested them to send me the documentation used to verify my debt and on XX/XX/year> they closed my dispute with only saying it was verified and accurate without providing me with that documentation. I resubmitted that dispute with the exact same comment of requesting the documentation and got the same message XXXX XXXX, 2025. Recent findings by the CFPB have brought to light significant concerns regarding Experians failure to conduct proper investigations & I believe this is XXXX of those cases. As per 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), Experian is required to conduct a thorough and reasonable investigation of disputed items within XXXX days. Furthermore, under 15 U.S.C. XXXXi ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. Given the recent CFPB findings, I expect Experian to handle these disputes with the utmost seriousness and compliance with legal standards.
Product: Mortgage

BofA did not post my payment correctly in XXXX of 2011. This resulted in me being labeled as delinquent. They then posted me as delinquent for the next 8 months as 60-89 days late. They refused to speak with me on the matter. This has had a tremendous negative effect on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit card

Inquiry is fraudulent and should not be reporting on my credit report, if not removed will be open to litigation. as per the fair credit reporting act, it is crucial to ensure accuracy and integrity of this information contained on my credit report. I also request that you provide me with a written confirmation of the investigation outcome to my noted address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXXXXXX Balance : {$4200.00} ; XXXXXXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$620.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Applied for a loan online and statement was i needed to call. 
XXXX says that reasonable accommodation are needed. 
There is nothing I need to say to the bank, I am a licensed realtor, I also worked in their audit department to find high risk findings. 

If the bank needs to talk to someone it would need to implement technical controls to accommodate the consumer not the consumer to waste time and XXXX veteran to speak with a bank for a loan. 
All information for a loan is on tax documents, bank statements etc. 
If a digital experience forces a person to call it is no longer a digital experience. 
This bank unlike others have an exceptional automation team XXXX and XXXX their is no need for any customer to ever call. 
In fact that leads to possibilities for discrimination. 
The bank employees do not need to see or know the XXXX, name or identifying characteristics of a person to decide on giving a loan. 
A loan is based on numbers alone so it is said... not in my experience. 
It is only the occ, internal audit and other regulators that need the person Information to ensure compliance with the law. 

Former XXXX employee high risk audit team under XXXX XXXX I discovered multiple severity XXXX and XXXX findings. 
While I am not physically able to work this statement is based on the same work i did while employed. 
I have XXXX XXXX XXXX XXXX XXXX experience XXXX, XXXX and XXXX. I have a great understanding of the laws associated with home lending XXXX, FAIR HOUSING, FAIR CREDIT just to name a few
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a background check XXXX CheckR completed it on XX/XX/2023 There is information on my credit report from over 25 years ago and it is duplicate information. Some information has been expunged but still appears this information cost me my job and i have lost income this is not right i wish to file a complaint check r is always reporting old or incorrect information this is not the first time that this has happened