23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A collection item showed up on my Experian and XXXX credit reports. I already filed a complaint with regards to the XXXX report. CFPB people asked me to file another complaint regarding the Experian report. The item on the credit report is called " XXXX XXXX XXXX '' I have never done business with this organization and I am not aware of any debt to them, or to any past-due debt at all on my credit report.
Product: Credit card or prepaid card

XXXX Bank of America claims XXXX or XXXX XX/XX/XXXX started claim pending status on the reconsideration For {$1900.00} XX/XX/XXXX my card declined and I called BOA, they said to call XXXX XX/XX/XXXX XXXX says they have no idea why BOA would close my card XX/XX/XXXX XXXX said check back XX/XX/XXXX XX/XX/XXXX spoke with multiple people at XXXX and multiple people at Boa was told that I was put on a list and that they would have it resolved in 2-3 days XX/XX/XXXX supervisor XXXX said call back everyday till they resolve it but he doesnt know how to resolve it XX/XX/XXXX XXXX BOA said that he would be frustrated too, but BOA doesnt give them any information he filled out a form and waited for a supervisor to respond to his form. 
They dont understand why my account has been closed to begin with, XXXX said that he sees no problem with my account and he also sees Ive been calling for over a week to resolve this issue. The supervisor says they apologize but it takes 1-2 business days for them to clear the account and they are awaiting a response from XXXX. I offered to call on 3 way multiple times to connect BOA and XXXX yet no one will allow me to. No one can give me any information on how XXXX corresponds with BOA or vice versa. Im being told that theres no problem on either end and both entities are blaming the other one! 

XXXX then transfers me to the supervisor who is XXXX claims department edd part of prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX stopped payment and told me she would call me Monday however she didnt. She was supposed to be sending out my check. 

XX/XX/XXXX NO NOTES ON MY file!!! Says XXXX unemployment this system is so incredibly broken! I asked for the elevated response unit but wasnt able to get help or be transferred XXXX my card was finally restored after 7 full days of calls from XXXX to XXXX Calling the assembly man XXXXXXXX XXXX  office XX/XX/XXXX all my money was transferred out!!! 

With no explanation!! No information about where the money went to! 

I called again XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX Sent in additional fax information about my claim yet still no one has explained where this {$1900.00} has gone and its now almost 2 YEARS! 
This is insane
Product: Checking or savings account

I am filing a complaint with CFPB regarding XXXX XXXXXXXX XXXX failure to deposit my XXXX XXXX from my employer and any other incoming deposits. Capital One has cited Technical Issues. Which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXXXXXX XXXX  - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXXXXXX XXXX XXXX XXXXXXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.
Product: Debt collection

They keep calling me several times per day. Sometimes up to 6 times in one day. 
Just yesterday XX/XX/19 I received calls from the following numbers at the following times : XXXX -- -- XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX -- - XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and noticed my XXXX XXXX account ( Account number XXXX ) was not reporting accurately. It showed i had a late payment, that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX Last XXXX of SSN - XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file an official complaint against TransUnion for its failure to respond and take appropriate actions following my dispute letter. On [ Date ], I sent a letter to TransUnion to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ).

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that TransUnion has initiated an investigation or taken any appropriate actions.

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and TransUnion 's lack of response raises serious concerns about its commitment to regulatory adherence.

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that TransUnion be held accountable for its non-compliance with federal laws, and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect TransUnion to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting.

Enclosed, I am providing a copy of my original dispute letter and additional documentation, which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. 

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.
Product: Checking or savings account

I have contacted USAA to resolved a a dispute with XXXX XXXX XXXX transaction is the amount of {$75.00} thinking USAA has my back they have taken back the {$75.00} temp credit that I had gotten causing my account to go into the negatives. I have submitted evidence of receipt to USAA paying to the parking lot, even when I told USAA I was unfairly booted on my car. I do not agree with this charge. I am currently a loyal USAA member and they did not have my back when I showed proof of receipt, when I show plenty of evidence that I paid for the parking and should not have been booted from my car. I have attached proof of payment which should have confirmed I should not be charged the {$75.00} booting fee for this service when I paid. Even USAA agent when I first called agreed with me that I should win this dispute of USAA investigations team decided differently
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit and noticed a closed account for Neiman Marcus and show an adverse report for {$950.00} that showed it was paidXXXX. I have always paid on time. I have had absolutely no adverse payment history with NEIMAN MARCUS. I am respectfully requesting this discrepancy be corrected as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent Transunion, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  and Experian is reporting inaccurate information. The credit application that was received by XXXX XXXX is the security that funds this credit transaction. The IRS clearly and conspicuously states that I am entitled to receive the principal and interest while XXXX XXXX has to pay the taxes. Thats how I know this account could have never been late because XXXX XXXX  was required to apply the interest to the balance to settle the account.
Product: Debt collection

I received a letter stating that my debt was placed at their agency and I could set up payments or pay in full and only pay 50 % off the original debt - when I called ( on XX/XX/2018 ) it didn't sound right and I vaguely remembered paying this EXACT debt to the original collector about two years ago. 

I called where the original debt was owed and reminded me of the agency it was sold to and told me this letter was not part of their collection efforts. 

I called the company and told them over a recorded line to stop calling me and sending me letters that this was basically a fraudulent effort to get a debt that is no longer owed. She hardly let me get a word in and kept asking who the other company was - I told her I am not obligated to give her that information and they are not the ones who own my old debt that was PAID and to stop calling and sending letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Following a deposit through an ATM of a Chase Bank, an unathorized withdrawal of {$400.00} was allowed in my account. The image of the deposit slip shows a signature that does not math nor does it display my name. After back and forth with the bank they will credit back the amount to my account but continue to say they will not follow up with finding out who was responsible at the branch for allowing the transaction and who was the person responsible for the theft.  Chase  does not protect your private information as they should and after making their mistakes they refuse to help in anyway the situation.
Product: Debt collection

Midland Credit Management continues to attempt to collect a debt in the amount of {$900.00} and negatively report this questionable account on my consumer report even after they have failed to properly prove that I am in the person responsible for this debt. I asked for the signed contract with my signature to prove this account belongs to me and you have not done that. I did not ask for a statement on my consumer report stating that I am disputing this account. This account needs to be removed completely asap. I have sent them communication and have yet to get a response.
Product: Checking or savings account

Santander Bank, XXXX XXXX, New york There was an promotion going on in the month of XXXX when I visited the bank and an Checking account was opened which declared a new account opener will be provided with {$250.00} cash if the direct deposit of {$500.00} will be made in the next 3 months and the account will stay opened for 90 days. Also it should be new customer. 
I opened the account on XXXX/XXXX/XXXX BRANCH TRANSACTION AT XXXX XXXX - CASH DEPOSIT. {$110.00} {$110.00} All the conditions were fulfilled and still they have not deposited the money even after several efforts made by me on phone and in person visiting the branch. 
1st direct deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$850.00} {$910.00} which should have fulfilled the criteria but even then a next deposit was made for XXXX/XXXX/XXXX XXXX XXXX PR PAYMENT XXXX {$1000.00} {$1100.00} and if we see as per the conditions 90days are done a long ago but still the company is not paying what they agreed. Its a kind of misleading practice to the consumer just to get more bank accounts. 

I called them twice spoke with the representative one month ago and they said they gon na deposit the money but no joy, then I went to the branch twice, same answer, no practical solution. 

I want the money which they told me they will pay also the compensation for the harrasement and waste of my time by calling them again and again, also visiting them to the branch. 

So annoying.
Product: Prepaid card

I have two claims for transactions that were made by someone who stole my cards. After receiving all my records I filed these claims for purchases made without my consent. I contacted boa and asked them to give me provisional credit within ten days as they are supposed to. Please help me get my money reimbursed to me
Product: Credit card

The filed number with law office of rubin and rothman is XXXX can you plesse let the law office know that i want to do a payment plan i can only pay XXXX a month until the balane is pay off
Product: Credit card or prepaid card

The reason for my complaint is because this company did not provide all the services that I paid them for. It was XX/XX/2017 I paid XXXX XXXX XXXX {$2500.00} for these services. 

It all started back in XX/XX/2017 I saw an ad on XXXX about opening an online store, I saw this and was encouraged thinking it would help pay the bills since I no longer have been able to hold down a job due to physical problems. I was contacted by several companies but, One of the companies I paid in all this fiasco was XXXX XXXX XXXX the representative who contacted me seemed so genuine at the time and was very compelling, he made it seem so easy and that I could greatly profit from this investment. Even though I expressed not having much knowledge to all this, he persuaded me and agreed to set it all up for me and I would not have to do much. He talked me into opening more credit cards to pay for all this. It didnt take long once they got my money for him to desert me. I didnt realize it then, but I was taken advantage of because I was an easy target, gullible and a XXXX-year-old woman that just coIt alluldnt remember anymore as well as they did. Today I am in serious financial difficulty for trusting this person to the point that I might have to file bankruptcy. Please help me get my money back.
Product: Credit reporting or other personal consumer reports

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: Checking or savings account

I write again to call for a deeper look into XXXX, and their relationship with Wells Fargo when it comes to banking. I was not given a proper reason and would like to know why on the eve of XX/XX/XXXX, As the Representative and I were discussing the past Bussiness account over one and a half hours or so, I noticed the the rep had to take a call that came into her office. Since there had been such time lapse on the account, and all of the things were new including the contact number, the Wells Fargo Rep moved forward in the process of updating. So several minutes elapsed, I then notice an email from my new XXXX Account hosted by XXXX XXXX which posted at XXXX. The email stated that if I did not update the recovery phone number on the XXXX account, that there could be someone using the account other than myself. The notice came from an unrecognized device and from an unidentified location. So how did this occur? The Rep heard my inquiry with her again, as I had the impetus to ask her kindly again around XXXX if she was the person who went into my XXXX account and added the recovery number. As the rep answers no, alas on my XXXX email tied to my business account with Wells Fargo, I see an email populate at XXXX, indicating that my business account phone Pnumber had been changed. This occured after and only after I asked her if she was aware of the google recovery phone update bc I was so unclear and confused. If my accounts are closed with Wells Fargo, why am I able to see the emails and correspondence coming in to my account, and even see the correspondence coming in from the bank to me at XXXX Still would like to know how XXXX was involved and why there was an update on my phone while on the phone with Wells Fargo. 
ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Regions Bank at XXXX XXXX XXXX XXXX in XXXX, Texas and inquired about a home improvement loan. I told XXXX XXXX that I was just looking at interest rates at that time. I intentionally did not sign or authorize anything or because I did not want a hard inquiry in my credit report nor did she tell me that she was going to. Not only did she do that but she also miss-typed the name of the company I have worked for for 20+ years which added another employer to my profile. The correct spelling and the new miss-spelled one. I reached out to Regions to get this fixed but they just reply with how " I need to fix it ''. I asked them on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and all three times received the same message back from them on the website www.regions.com. 
With this new " hard '' inquiry, my credit score has dropped to XXXX and it looks like if they don't do something, it will be on my report for at least 2 years. How can they just run my credit without my authorization or at the very least ask me if it was okay?
Product: Credit card or prepaid card

Chase has had me o n a penalty rate of 29.99 % for years. My card has been paid on time for years and my credit sore is in the high  XXXX    XXXX  . Each time I call they say nothing can be done. I understand the credit card act of    2009 provides for issues like this. According to a credit card group Chase is supposed to review accounts and after six on time payments they reduce the interest. I have bee n ON TIME for years. I called just today and got the same run around. Is there something that can be done? I was forced into retirement several years ago and this really hurts!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX legal ownership of said account You state you validated this account Well if I paid this account I own this account right, I have not received any documentation or notice from you for validation { law 's the law } you are falsly reporting this account REMOVE IT example XXXX owns contract sale said contract to consumer for full payment that gives the consumer now the furnisher the all legal rights. CFPB is this not correct you have violated my rights damaged my credit cost myself a lot of loss of income