23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Chase Bank Notified of overdraft, transferred money from savings account to cover insufficient balance and was charged 3 separate over draft fees anyway. Only one was reversed. Refused to reverse the other two based on " cut off time that only applies to overdraft fees '' When the transfer was made it showed the balance positive immediately but then was showed as " pending '' in order to charge overdraft fees.

Accounts Manager XXXX and XXXX XXXX were the phone operators for the call. 

This is the same thing that other banks have been prosecuted for. Approximately 67 % of total revenue for banks come from predatory practices and Chase is the only bank left that hasn't been sued yet.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 3 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

Tried to wire funds. Bank stopped the wire, would not contact me as to why the wire was canceled. Tried to close my account. Bank said they would not close the account and told me to call back days later. Would not close the account or contact me.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I got a loan for XXXX. Now they keep calling harassing me for XXXX XXXX I juts got evicted because I couldnt pay rent, How can I pay a loan triple what I borrowed
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Equifax a plethora of times but the situation hasnt been fixed yet. Theres a delinquent account from XXXX XXXX for a total of {$1000.00} still showing on my credit report when Ive never attend this establishment. XXXX  removed the fraudulent listing from my report Im just waiting on Equifax to do the same. Its been months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XX/XX/2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with XXXX another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian data breach exposed my drivers license, social security number, date of birth, and other private information. Then they charged me {$10.00} to freeze my credit report. They provide free credit monitoring but only if you sign away your legal rights later on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF FLORIDA HOMETOWN HEROS PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL THREE CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. XXXX XXXX  IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF FLORIDA OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT XXXX XXXX  IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED XXXX XXXX  TO THE MN AND FL ATTORNEY GENERALS, AS WELL AS THE FICO CORPORATION AND THE CFPB AND THE XXXX.
Product: Credit card or prepaid card

I had called Comenity bank on XX/XX/XXXX, about a fraud on my card. Comenity bank had cancelled card due to fraud. A few months later I noticed that I had a balance with Comenity bank for a card I did not have possession of. I called on XX/XX/XXXX. Let the girl know that I did not have any cards in my possession from comenity bank. She stated " No you don't '' she transferred me to fraud dept. Let them know of situation they will take care of it. ( sorry, I did not get names ). 
So as of today XXXX XXXX, XXXX I still have that card on my credit report and no help from the credit bureau with filling a fraud. Also I have a police report that I filled out. Case # XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX I filed for bankruptcy chapter XXXX which was discharged, and a chapter XXXX which was dismissed. I went to fifth third bank to reestablish my credit. They started me off with a second chance checking account and a secured master card, stating this would rebuild my credit if I paid my balances on time I would be eligible in two years apply for an unsecured credit card where my past bankruptcies would no longer be an issue along with a fair credit score. So on XX/XX/XXXX, I  applied for an unsecured credit card and was denied because of my past bankruptcies. This was a total contradiction of what I was told four years earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the  XXXX   XXXX ,   XXXX   i had an inquiry placed on my  XXXX  credit report. Th e Unauthorized Inquiry  was placed by  XXXX  while i was in  XXXX   XXXX . I never authorized this as why i disputed it both by telephone and online with  XXXX  with no results.  XXXX  denied to assist and i was placed on hold and had a remark added to my account. Under the FCRA a hard inquiry must have " Permissable Purpose ''.
Product: Debt collection

in accordance with the Fair Credit Reporting act IC SYSTEM # XXXX has violated my rights. 
15USC 1681 section 602 A States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instrutions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan.
Product: Credit reporting or other personal consumer reports

Reviewing my credit report, I came across some billing inaccuracies. The reported late payments are inconsistent with my usual payment habits. I kindly ask that these be corrected and my account adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are continually reporting derogatory accounts and inquiries that have been contested as fraudulent.
Product: Debt collection

Discovery Bank is reporting a charged-off account on my credit profile. They are verifying this account based on an online application where my social security, date of birth, and mother 's maiden name were provided. I've submitted a police report because this information was used by another individual. Also, the address XXXX XXXX XXXX XXXX PA is not my address. Please provide further evidence that this account is mine. Please provide an explanation of how my information was verified. I did not speak to a representative nor sign any documents. How can an online application alone verify a person 's identity? 

I've attempted to address the issue and informed Discovery that the account is false however they continue to report it. I even attempted to settle a debt that doesn't belong to me to avoid the impact on my credit profile. Please provide a method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XX/XX/XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX  - {$5100.00}
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, closed on XX/XX/XXXX XXXX XXXX, closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

The above accounts have violated the following rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 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 ) 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

I disputed the following erroneous information with this bureau directly. The majority of this erroneous information is because obviously my credit report has been merged with another XXXX XXXX and now my accounts are marked bankruptcy. 
1. XXXX XXXX XXXX - this account went delinquent for the first time in XXXX. The other credit bureaus have removed this however Experian continues to report the information. I have asked for a full payment history from the creditor and from Experian. Neither has sent me the same so how are we " verifying '' that this is accurate as reported. 
2. XXXX XXXX XXXX XXXX - This collections company purchased this account second hand from XXXX XXXX. They are claiming that the account was included in a Chapter XXXX bankruptcy in XXXX of XXXX. However this appointment with XXXX XXXX did NOT occur until XXXX of XXXX. Please request the original receipts or instruments bearing date of service. 
3. XXXX XXXX Bank - Acct. XXXX - this again is erroneous information that Experian claims to have verified. It literally says " debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - HOW IS A DEBT INCLUDED A BANKRUPTCY that does n't exist. There is no bankruptcy in XXXX XXXX. And this account was n't included in a bankruptcy. 
4. XXXX accounts from XXXX XXXX XXXX. Same issue. These accounts are being reported as included in bankruptcy when I was NOT liable for these accounts, the insurance carrier was. I have also disputed these accounts and Experian continues to insist they have verified them. I am requesting copies of the instruments or any documents relative to the same. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX You can clearly see the inconsistencies in all of this information. And This refusal by Experian to adequately verify information is causing personal injury to me and my family. I have multiple times requested the documentation from Experian Credit Bureau and they refuse to respond. Please send the relative contracts or receipts bearing my signature.
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. 

Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 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

I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the  XXXX  payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has no credit score for me and it's stopping me from a loan or anything they have same info as the other agencies and they both have scores for me I need this fixed
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Investigation and Validation of Late Payment To : Credit Reporting Agency Experian Equifax Transunion Dear Consumer Financial Protection Bureau : Re Experian, TransUnion, or Equifax Credit Bureaus I am writing to formally dispute the accuracy of the late payment being reported on my XXXX XXXX XXXX XXXXXXXX account in my credit report. It is my understanding that 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy when reporting consumer information. As this late payment is currently being furnished, I am requesting that you conduct a thorough investigation into its accuracy. 

To substantiate this late payment, the following documentation is required : Proof of the Periodic Statement : According to 15 U.S.C. 1666b, a creditor can not classify a payment as late unless a periodic statement is sent in compliance with 15 U.S.C. 1637b. I request verification that this statement was sent, including a copy of the periodic statement showing the payment due date. 
Proof of Timely Delivery : 15 U.S.C. 1666b also requires that the periodic statement be sent no later than 21 days before the payment due date. Please provide proof that the statement was mailed on time, including a tracking number or other confirmation of mailing. 
Negative Information Notice : Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), the creditor must provide written notice to the consumer before reporting any negative information, such as a late payment. I request evidence that this negative information notice was sent to me. 
Request for Resolution : If your investigation reveals that this late payment can not be verified through the required documentation, I request that the late payment be removed from my credit report, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 5 ). 

Failure to provide the necessary evidence within the legally required XXXX investigation period will confirm that the reported late payment is inaccurate, and I will expect its immediate deletion to comply with federal law. 

For verification purposes, I am attaching a copy of my identification and a recent utility bill. Please note that any attempt to delay this process or send non-responsive or generic stall tactics will result in an immediate complaint to the Consumer Financial Protection Bureau ( CFPB ). 

I have XXXX valid addresses and need both to be recognized in their records, with the attached supporting documents as proof. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Please reference CFPB complaint IDs XXXX ( XXXX  ) and XXXX ( XXXX  ) as this is a follow up to the same issue. 

From previous complaint : On XX/XX/XXXX, I scheduled a phone appointment with XXXX XXXX XXXX of XXXX XXXX  XXXX XXXX. I talked to him at XXXX at the scheduled time and informed him of my symptoms. He told me he was unable to assist until I performed a XXXX XXXX and XXXX XXXX and that he would send the referral. I waited for the referral but nothing was sent over. Due to the urgency of the situation, I visited another doctor who handled the situation more promptly which led to the resolution of the medical issue. Later when I received the medical bill from XXXX, I called them to dispute the amount and file a complaint as I did not receive any medical care. I did so multiple times and XXXX consistently never responded. Finally in the latest communication, I spoke to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and described to her the issue. She told me she understood my concern and would investigate further internally before providing me with a response. I ultimately received no response from XXXX XXXX in writing or a phone call. Finally I received this collection notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

The previous complaint was closed with XXXX closing the file and XXXX XXXX still not responding. 

Recently, I received another debt collection notice from Frost-Arnett Company dated XX/XX/XXXX for the same amount. I still have not received anything from XXXX XXXX  XXXX XXXX.