23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XX/XX/year> and XX/XX/year> 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. 


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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  # XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXXBalance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase put my social security number on the XXXX list preventing me from getting a merchant account. I never had a merchant account before so I do not know how or why they are reporting this. I have reached out to them and they said they would remove it but they have not. This is irreparably hurting my ability to earn money for myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on XXXX shows XXXX but the other two show XXXX. The date last active is different on all three. XXXX shows XXXX, XXXX shows XXXX and TransUnion shows XXXX.
Product: Debt collection

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information. 
My information was exposed in a data breach. 
XXXX 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: Checking or savings account

I was charged XXXX dollars in over draft fees and they only gave me XXXX dollars back when I complained to them. 

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$13.00} RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$18.00} XXXX XXXX XXXX  Payment XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} XXXX XXXX XXXX Payment XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$12.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$16.00} XXXX XXXX XXXX  FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$14.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$92.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$35.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FEE FOR A TRANSACTION POSTED XXXX XX/XX/XXXX {$16.00} XXXX XXXX XXXXXXXX FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$35.00}
Product: Credit reporting or other personal consumer reports

Westlake financial was paid in full by my car insurance company when my vehicle was totaled. They however reported a false balance to XXXX which was constantly disputed. When disputing the account Experian in a matter of less than two days sent an email stating the completion of the investigation. XXXX could not have properly investigated this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX # XXXX, XXXX, XXXX Account XXXX XXXX # XXXX, XXXX, XXXX Account # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block inc ) for failure to provide adequate customer service which violates the consumer financial protection act
Product: Mortgage

CitiMortgage approved a loan modification XX/XX/XXXX, XX/XX/XXXX learned that they had not approved it after my trustee paying my mortgage payments on time. Went to try and do a loan modification with my lawyer, CitiMortgage lawyer, the employees from CitiMortgage never showed up. They caused me to lose a day of work , drive 2 hours to XXXX to try and do a settlement with them. Had to pay for a third party who never showed up except on the phone to be a mediator. I am on chapter XXXX, previous to filing I have never been behind on my mortgage payment. From XX/XX/XXXX to now the trustee stopped paying my mortgage. Still trying to do a loan modification. CitiMortgage constantly stated my papers were not sent when I have a bankruptcy lawyer doing all of my paperwork and submitting it. Finally I was going to surrender my home tired of the whole process. I received from my lawyer information about a possible loan modification the letter was dated XX/XX/XXXX XXXX, XXXX, he advised me to possibly consider this. I decided to go ahead and go through with their offer. Payment due on XX/XX/XXXX XXXX, XXXX was sent on XX/XX/XXXX XXXX. So on XX/XX/XXXX XXXX I have received a letter that the CitiMortgage went to court to remove my automatic stay. Such inconsistencies. Then I received an email stating that my mortgage has been sold. They have caused me undue stress and at this time I do not know what is exactly happening with my house.
Product: Checking or savings account

On XX/XX/2022, I made a payment to my gardener of {$370.00} via XXXX from my Chase Bank account app. The money was never received. My local bank branch manager and the recipient have verified to my satisfaction that he never received the money in his XXXX XXXX XXXX account. He is also missing another payment from Chase made by a neighbor of mine, ( now deceased. ) Chase has refused to credit the money stating that everything is normal from their end. XXXX XXXX XXXX refuses to help because their institution never received the money. I can not talk with XXXX because they will nor respond to queries or complaints unless you used the XXXX app. My bank manager has verified with a XXXX  XXXX XXXX bank manager that the money was not received. Chase refuses to help me further, stating that their data shows the money was received, and that they can not contact XXXX to work on the problem. XXXX appears to be particularly opaque in their handling of other people 's money, not answerable to anybody if a mistake occurs. I am concerned that money is being siphoned off fraudulently in these transactions in small amounts, but Chase is unconcerned and XXXX is unreachable. 
The transaction number for the missing money is XXXX
Product: Vehicle loan or lease

I have contacted Ally Financial several times regarding a negative report on my credit file. Ally Financial is reporting my payment for the month of XXXX was late. At the time my payments were due on the XXXX of each month. I made a payment on XX/XX/XXXX of {$1300.00}. Contacted Ally to change my due date and was told I had to pay {$140.00} to change my due date from the XXXX to the XXXX. I paid {$140.00} on XXXX. My new payment date would not take effect until the next month XXXX. Ally can not explain to me how my XXXX payment was late in the several calls i have made. I am just told they can put in a dispute that takes 30 day only for me to get a letter that says their right with no other explanation. I called again and was told i could not talk to the credit department that reviewed my account but that they could put in another dispute that takes another 30 days. This is unacceptable. I need Ally to explain how my payment was over 30 days late for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, Experian membership ID XXXX. On XX/XX/XXXX my credit report updated reflecting that Ive paid down my credit cards. My credit utilization went from 50 % to 30 % after paying down my credit cards, shockingly this resulted in my score to drop of XXXX points!! There were no other activities on my report for the last 3 months. When I contacted Experian for an explanation they blame FICO and advise for me to call FICO for explanation. The credit model and algorithm is discriminatory and INACCURATE! Sadly, until the government comes with a different scoring model, well be at the mercy of these CRAs inaccurate reporting and scoring models. I need a full investigation and explanation as to why my score dropped after paying down credit cards from 50 % to 30 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

unsecured debt of {$840.00} when the original creditor never had a contractual agreement with me. Whatever claims of a contractual agreement indicated by the original creditor never existed and therefore, is cancelled. The original creditor sold the account to another agency ( LVNV funding ) and wrote it off on their corporate taxes as a " loss '' and therefore, they have no claims against me. Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states.
Product: Credit card or prepaid card

In XX/XX/XXXX I lost my XXXX XXXX credit card & I have contacted the credit card company. When I called them to report that credit card is lost figured out that there is a purchase of {$850.00} on my card for a Camera. I filed a dispute & they sent me a new card with a new number then in XX/XX/XXXX found a letter from credit card company say that dispute was declined & they will charge me the amount of the Camera. When Contacted them again in the beginning had a very rude representative who refused to help me & hanged up the phone & when I called again another agent was so helpful and opened another dispute claim then now in XX/XX/XXXX they delcined the dispute again sending me in mail that I have to pay this amount without even showing any evidence why the declined the dispute.
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen due to suspicious activity and Im not able to transfer or withdraw money .i contacted XXXX and they said theyre not able to do anything.
Product: Student loan

My loan was transferred over to XXXX XXXX In XX/XX/XXXX as the result of me filling out paperwork regarding student loan forgiveness for being a XXXX XXXX. Prior to this transfer and after this transfer I was making additional payment towards my loans above what was due monthly. These payments were applied towards future payments and each month I would receive a statement that no payment was due. I eventually stopped making these additional payments and continued to receive statements that no payment was due. Around XXXX of XXXX I received a statement indicating that a payment was due and that all of the payment would be applied to outstanding interest. Subsequent statements after this indicated the same. When I contacted XXXX XXXX they indicated interest was accumulating the entire time and that I would have had to have made payments each month to cover that interest to avoid this. The company did send me a payment history that indicated each payment received a part of it was being applied towards principal and part of it was being applied toward interest so it didnt help explain why interest would still be do. 

The underlying issue is the statements received during XXXX through XXXX never indicated payment was due during that time and made no mention that interest would continue to accrue and payment would need to be made to avoid this. The way the servicer applied my payments and issued statements was an unfair and deceptive act and practice as the statements should have indicated interest was accruing and a payment should have been in fact due to keep the loan current. This ultimately has made my loan cost significantly more in interest that it should have causing harm to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Ally two times in regards to an auto debt that they have has charged off on my report. I am reporting them for one of several reasons : 1. My last payment date is not correct and I have requested they show proof of my last payment since it is a year older than when my last payment was-My last payment was XX/XX/2015 they have XXXX XXXX They have failed to provide it. 
2. I called and try to settle the debt, but they say it's being handled by XXXX XXXX XXXX, which is not on my credit report. XXXX will do a pay to delete, but that will leave Ally still on my report. 
3. The auto in question ( had two active accounts with Ally paid one-off in full ) was turned back into the dealership and resold. I have asked for proof of the resale amount and breakdown of fees and have not received requested documents,
Product: Credit reporting

There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. I have disputed to Experian and XXXX. 
But they do n't give me result of the investigation.
Product: Debt collection

Midland Credit has been contacting me concerning a credit account that I do not have with them. They have made XXXX calls and filed suit in small claims court in XXXX without properly notifying me of a suit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately and XXXX even closed overdrawn my account and closed it. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequate. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. My complaint is against : Chase Bank, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX inquiries that are not mines as well as some accounts that are not mines and now I can't see my credit report on XXXX XXXX nor will equifax send me any information. They sent enclosed letter stating i needed to prove who I am for the 15th time in the past two years.

This is why I know they are not investigating or removing information that is not mines. They cant even keep up with who I am. 

I have attached my ID and SSN card.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, XXXX  XXXX Subject : DEMAND FOR IMMEDIATE DELETION AND PERMANENT BLOCKING OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT Dear TransUnion Dispute Department XXXX This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate deletion and permanent blocking of the following fraudulent accounts that have been unlawfully reported under my credit file due to identity theft : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX I have submitted a police report numerous times since XX/XX/XXXX, along with an FTC Identity Theft Report, clearly stating that these accounts were fraudulently opened in my name. Under the FCRA, TransUnion was required to remove these accounts within four ( 4 ) business days from receiving my identity theft report. The failure to do so constitutes a direct violation of the FCRA. 

Additionally, TransUnion has failed to provide proper documentation verifying the accuracy of these accounts, including : Proof of the verification process, including the method used to investigate each disputed account. 

Details of the investigation, including who was contacted, along with the time and date of the verification. 

Proof that these accounts belong to me, including original applications, signatures, and supporting documents used to establish ownership. 

Since TransUnion has failed to comply with its obligations under the FCRA, I demand that you immediately delete and permanently block these fraudulent accounts from my credit report. Failure to do so will result in further action and taking legal action to enforce my rights under federal law. 

I expect a written response confirming the deletion and blocking of these accounts within five ( 5 ) business days of your receipt of this letter. If you require additional information, you may contact me at the details provided above. 

Sincerely, XXXX XXXX XXXX