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

On the evening of XX/XX/XXXX ( CST ), XXXX, Chase Bank 's customer service phone system was down at XXXX XXXX. My roommate, also a co-account holder with me at Chase, attempted to transfer funds from his proprietary account at Chase, to our joint account, to cover an overdraft. The aforementioned phone system even put out the message that it was unreachable, that one should try later. My roommate continued to call ( as reflected in phone records ) for over an hour, finally succeeding at XXXX XXXX. By then the date, as Chase arbitrarily defines it, was XX/XX/XXXX, thereby incurring a {$35.00} overdraft fee. This fee should be refunded, since it was still timely at XXXX, and their fault, not ours, that the transfer was late. Moreover, Chase advertised when I opened the account in XXXX, that overdraft fees would be waived if " overdraft is covered the same day, '' not some XXXX XXXX XXXX definition. This was deceptive and invited misunderstanding.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

TRANSUNION 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: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to XXXX notifying them of the reinsertion of XXXX # XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Money transfer, virtual currency, or money service

I've been using zelle for about 3 years, i have sent money to the wrong person before but i was never warned about sending it to the wrong person and have contacted zelle before and reached no help. Is this how banks make there money? Profit from the poor? Everyday i wake up i have to be reminded in some ways that XXXX XXXX XXXXXXXX are no help.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX with XXXX miles from XXXX XXXX XXXXXXXX financed through Credit Acceptance Corporation on XX/XX/XXXX. APR is 23.99 %, Finance Charge is {$17000.00}, Total of Payments is {$39000.00}. My credit score was in the XXXX when I applied and at the time I was probably making in the low XXXX range for income I believe. I feel as though I was not accurately informed about all of the costs when I was I was purchasing this vehicle. I didn't really find out about how much the monthly payments could be with interest until after I had already signed, and this cost was very steep given my income and credit history. I feel as though my lack of knowledge as a consumer was used as a pretext to give me a very expensive used car loan to a working class person with limited credit options. I believe Credit Acceptance and the dealer created a loan agreement that was unaffordable and designed to have me default. They sold on extended warranty and gap insurance by encouraging it as necessary despite the fact I did not want this, which has compounded my inability to afford this car. I feel deceived about how much this car actually cost, and speculate whether being a XXXX woman with low credit and moderate income was a factor in their decision to give me a highly unaffordable loan. I believe this loan and interest rate is predatory and predicated upon what they believe is my inability to pay.
Product: Debt collection

I took out a loan with Radiant Cash. I have had no issues paying back the loan. However, I have not way to validate the debt and the exact amount owed because their site www.radiantcashs.com has not been active. I am only left to communicate to the company by phone or email. I have asked several time to provide a formal document of the amount owed and pay off date. At this time I have had to rely on information provided by a representative which is not sufficient. As a consumer, I have the right to receive formal documentation of a debt that is owed including all associated charges and interests associated with the debt. 
XXXX-Email sent requesting debt information and balances. A response was received telling me the amount from a representative that I owe {$210.00}. The original loan amount was {$400.00} and this loan was taken out around XX/XX/2020. 

I attempted to call the number they provided XXXX and it is a non working number. I have also found out that this company has been recently involved in a lawsuit for deceptive lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, Paramount Recovery SYS , 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. 
I do not owe this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/year> {$880.00} My information XXXX have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently bank with Wells Fargo and am using an app called XXXX XXXX. In order for the application to run properly, my bank has to communicate with them and send them my information. This is being done at a very slow rate and it is literally costin me money. I would appreciate it if my bank was able to more efficiently, and effectively send and receive information from other companies so that this error would n't come up as much
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Product: Credit reporting

Dear Experian I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Under the FCRA , I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors. 

XXXX XXXX XXXX XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's mistakes Because it does not match my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a compaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Comsumer Financial Protection Act ( CFPA ). Specificaly, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2022 & XX/XX/2022 I reported to Discover that I had made payments to them in previous months and they did not properly credit credit my account. Later on they finally gave me a temporary credit and told me to submit documentation, I did and they told me that my account was closed, and I would receive a letter in the mail. It is XXXX and I never received anything. This was for Dispute # XXXX XXXX XXXX XXXXer 1026.13 ( b ) ( 2 ) ( c ) Billing error resolution : 2. Correction without investigation. A creditor may correct a billing error in the manner and amount asserted by the consumer without the investigation or the determination normally required. The creditor must comply, however, with all other applicable provisions. If a creditor follows this procedure, no presumption is created that a billing error occurred.

3. Relationship with 1026.12. The consumer 's rights under the billing error provisions in 1026.13 are independent of the provisions set forth in 1026.12 ( b ) and ( c ). ( See comments 12 ( b ) -4, 12 ( b ) ( 3 ) -3, and 12 ( c ) -1. ) ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.

I have not received anything yet, and they have reported adverse action on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Urgent Request for Block of Fraudulent Information I am writing to formally address a critical issue regarding my credit report that has placed me in a distressing situation. As a victim of identity theft, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and I am reaching out with a sense of urgency and concern. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you take immediate action to block certain fraudulent information from my consumer credit report.The details of the fraudulent accounts & Inquiries include : These accounts have resulted in several fraudulent hard inquiries, leading to significant stress and potential harm to my creditworthiness. I have attached a comprehensive list of the hard inquiries & accounts in question, along with a copy of a self-attestation letter that clearly indicates these fraudulent entries.I want to emphasize that I do not recognize any of these accounts or inquiries. They were not initiated or authorized by me, and they stem solely from identity theft and fraud. For your reference, I have also attached the FTC Identity Theft Criminal Complaint # XXXX as proof of the fraudulent activities that have occurred. Given the severity of this situation, I insist on a fair resolution.
Product: Credit reporting or other personal consumer reports

Good day Iam XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : XXXX Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what I sent to board and staff of BB & T now Truist Bank I am reaching out in an effort to correct a wrong that was done that has negatively impacted in numerous ways that I will elaborate on later. I was a BB & T ( Truist ) customer due to condo mortgage being transferred to them. 

I was given the option of a payment plan, which would require me to pay {$5700.00} to bring my payments to the appropriate status, and then I was have the remaining amount added to my mortgage payment divided over 6 months. I choose the repayment option and paid the {$5700.00} payment at that time over the phone. 

I want to stress that I take my credit very seriously, worked very very hard over the years to ensure I kept my credit high and never late or delinquent on any of my accounts. I check my credit on all three credit bureaus daily to ensure payments are being received and things are being reported accurately. Within 48 hours of making that payment ( {$5700.00} ) and choosing the repayment option, I started getting notified that my credit has significantly dropped. I log into my credit monitoring apps and discover that my credit had dropped XXXX points. I called back to customer service and informed that the last representative I spoke with reported that my account was 180 days delinquent on accident and it was a mistake. 
To say this was very disappointing and frustrating was an understatement. The representative states she was sorry and would send documents to the credit bureaus to get the status changed and my credit would go back up. Well things continued to spiral out of control because of this. I checked my credit again for two days and finally saw my credit score go back up XXXX points. That damage had been done though. One of my credit card accounts check my credit monthly to ensure I am maintaining my credit worthiness. By sending the wrong status that showed I was delinquent to the credit bureaus the credit account pulled my credit when it had dropped XXXX points. This resulted in them reducing my line of credit and that reduction caused my credit utilization to got up by 23 %. So right after my score went back up by XXXX points, it went right back down by XXXX points because my credit line decreased. Most importantly, because of this mistake that was 100 % on your employee my available credit was reduced on one of my personal credit cards that I need to have access to at this time for my family. I have continued to get notification that my credit score had dropped due to the huge error made by your employee. I have also not been able use my XXXX business cards because of a reduced credit limit. The impact this has had on me and my family is unmeasurable. 

Regards, XXXX
Product: Debt collection

XXXX Called my phone at XXXX stating that information gained would be used for debt collection. I asked the caller to verify the time of the call right out the gate, and he said it was XXXX CST ( XXXX EST my time ) When I pointed out that they were calling after XXXX, the gentleman told me it doesn't matter that they can call as late as XXXX. I again pointed out that he was calling after legally allowed debt collection calls. I asked for a supervisor and he told me if I was refusing to speak to him he would be terminating the call. 

I called back and asked for a supervisor and explained the situation to the female who answered the phone, and she told me it didn't matter as they could call whenever and that it was just " recommendations ''. 

To note- I have previously asked for things in writing from this company. They refuse. I have disputed and successfully won removals- and they turn around and re-add it back onto my credit file.
Product: Credit reporting or other personal consumer reports

For XXXX credit card account# XXXX  For XXXX XXXX XXXX  credit card account# XXXX

Per consumer law, a corporation cannot report transaction history: Amounts, late payments, non late payments, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current hack of XXXX has exposed mine, and many, many other citizens to potential identity theft. Due to XXXX, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.
Product: Credit reporting or other personal consumer reports

The credit bureaus are in direct violation of 15 U.S. Code 1681. All 3 bureaus ( XXXX, Transunion and XXXX ) have different and inaccurate information about a particular account. I have communicated to the creditor to have the information updated and there has been no changes.