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

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/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. I have requested proof that this information was mailed or delivered XXXX  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!
Product: Credit reporting or other personal consumer reports

Experian is reporting wrong information and will not allow me to show them the correct info. I have sent info several times but no reply or contact
Product: Checking or savings account

On XX/XX/23 my wife initiated a transfer of {$25000.00} from our E-Trade Premium Savings account to our checking account at another institution. E-Trade temporarily disabled our account due to unusual activity. I called E-Trade today to attempt to unfreeze the account so we could complete the transaction. After spending over 25 minutes on the phone with numerous representatives I was told I would have to make a 3-way call between E-Trade, myself, and my regular bank to verify that the account the funds were going into was a joint account. Evidently they didn't feel my wife should have the ability to make the transfer herself. However, over the period of XXXX my wife moved {$300000.00} from this same E-Trade account to the same bank account to pay our taxes. 

I was out of time that I could spend on the phone and demanded that the representative from E-Trade unlock my account. They refused and said they could not do this.

I called back about one hour later and tried again to unfreeze my account. This time I was told I would have to send in copies of the bank statements for the account I wanted to transfer into. I requested them to close my account and move all funds to my bank, as I am done with E-Trade. The representative on the phone said they could not do this, they could not get their manager or supervisor to help me, and said one of their managers would call me back. I have waited all day and there has been no return call from E-Trade.

I want E-Trade to unfreeze my account so that I can pull all funds from them and close the account. They were going to lose {$25000.00} in deposited accounts that we were going to transfer to our bank, they are now loosing {$63000.00} in deposited accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not share my information to third party institutions These are clearly violations of my federal protected consumer rights.
Product: Vehicle loan or lease

I am owed {$990.00} for a vehicle we have purchased and had to send back because nobody had a tittle for it. It was payed in full and we are owed the remaining balance they sent a check with me and my fathers name on it and we could not cash it or deposit the check so I sent it back to them and they said they would not send another one and we could not use it as a payment for the vehicle we have now. I have tried numerous times to have them use it for the payments and they have refused to do so.
Product: Credit reporting or other personal consumer reports

I was affected by the Equifax data breech, and it has affected my credit report a lot and my identity. please clear anything on my Equifax account and credit report. Below is a document with Equifax admittance
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and have a current police report of Identity Theft on file with Chex Systems. The following Inquiries Viewed By Others currently listed on my Chex Systems Consumer Report : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2016 XXXX XXXX XXXX XXXX  received a payment from me. The account has since been closed. The payment was for XXXX dollars. They placed a charged off and payment status on my account. This is fraudulent. The other two credit bureaus XXXX  and XXXX has ceased reporting and removed the account from my credit report but transunion has not. It is not legal that the company can charge off the debt sell it to another company and then write it off on their taxes. My payment has been made. In addition it has been 7 years since the last payment, by law it has to be removed.
Product: Credit card

I opened a capital one credit account a while back and never used the account. 

I found out a few months ago that I had a balance on the account. There had been charges that were clearly fraudulent, as well as late charges because I had n't paid the balance since I was unaware of the charges. 

I called In XXXX 2015 to report the fraud ; they told me the charges would be taken care of. The case number was XXXXI found out this month that the charges were not taken care of and apparently they 've sent the account to collections. I called today and they 've promised again that the charges will be reversed, but I 'm not confident that will happen. My case # today is XXXX.
Product: Debt collection

Ulta credit card wasnt paid off and didnt get to pay for a couple months and the card was closed out
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$8600.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00}
Product: Checking or savings account

I opened a checking account for myself and then another account for my XXXX old daughter that JP Morgan Chase allows . I attempted to transfer money ( approximately {$5000.00} ) to her account from my current bank Commerce. Chase immediately locked me out from seeing all of my accounts including my credit card. I've called multiple times, spent hours on hold and have been hung up on when placed on hold. 

I called and requested a call back on Wednesday XXXX at XXXX. I missed their callback because it showed up as spam risk on my phone. I called them back at XXXX and again left a call back number. I called my chase credit card number and they said they couldn't help me, but that my credit card account information looked fine. They sent me over to " fraud '' and said it would be a 3-5 minute wait. When they put me on hold, the automation said it would be 40 minutes. I waited for 50 minutes and then hung up. I called again requesting a call back. The automation said it was a 5 hour wait. They called me back, put me on hold for 11 minutes and then hung up on me. 
Today XX/XX/16 I called and they put me on hold for 16 minutes. I got through to someone that stayed on the line with me. I told them I wanted to close my accounts including checking and credit because I no longer wanted to deal with this " customer service. '' They tried verifying that I was the one making the activity on the checking account, which included the {$5000.00} I had originally attempted to transfer to my daughter 's account. I told them that was me. They said they needed me to provide the debit card account information as a last step for verification. I told them I obviously didn't have it as it was a new account that was just opened and that I immediately had no access so can't see any account information. She continued to tell me why I needed to provide a debit card and I once again explained that I couldn't provide that since the account was opened a few days prior and that I couldn't see the account information and did not have a debit card. She put me on hold, then CALLED me on another line. I put the hold call on hold and answered the other call. She argued with me that she had only placed me on hold, but didn't call me. I said I had two open lines with her supposedly on it and which one did she want to talk on? She hung up on me. I called again and left my call back number. They called me back and I told them on a recorded line that they are to close all of my accounts and that I'm not doing this anymore and that I would be filing a complaint. He said he would have to put me on hold in order to get me to the escalation department. I told him " no '' and that he could take my name and number and call me back once they've figured it out. They haven't called. I have no access to see my accounts and no ability to close them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX  Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, they are not mine, it is hurting me Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Information reported to Credit Bureau. 

To whom this may concern, this is the 2nd time in a matter of months that my auto loan with this lender has reported an inaccurate balance and increase to the credit bureau. The first inaccurate report was corrected in a few days however, this second inaccurate report is now becoming frustrating. I am in the middle of purchasing a home and this incorrect information is becoming a burden to deal with. It makes being a consumer for this lender completely undesirable. Can someone please get back to me immediately with a response and a quick solution for rectifying this incorrect information once again immediately please. For the past XXXX years I have never had a problem with this lender. For the past XXXX months, this issue has been completely ridiculous. I have attached the information that I need corrected.
Product: Credit reporting or other personal consumer reports

I have sent in letters to get addresses I do Not live at anymore updated experian and they would not update my personal info. that is not attached to any debt per the FCRA all information is to be 100 % accurate and i provided necessary documentation on my current address at this point this is improper use of my credit report.
Product: Credit reporting or other personal consumer reports

It has been extremely difficult to rebuild my credit and purchase a home due to errors on my Experian credit report. Despite my bankruptcy discharge, several accounts included in the bankruptcyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX still reporting late payments or not showing as included in bankruptcy with a {$0.00} balance. Additionally, the bankruptcy itself ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) continues to appear, making it even harder to establish new credit.

One of the biggest challenges is that I am instantly denied when applying for credit under my married name but approved under my maiden name. This has resulted in multiple inquiries on my credit report, further impacting my score. I have disputed these inaccuracies with Experian, but they have not been resolved.

I am trying to improve my credit score to qualify for a mortgage, but this process has been incredibly frustrating and discouraging. I need these errors corrected so I can move forward financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation an d copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou  gh TWO YEARS has already passed.
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Alll I received from this compa  ny is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Product: Credit reporting or other personal consumer reports

Innaccurate/ Fraudulent Collections Account on My Credit Report as a result of Identity Theft FTC Report has been submitted to the Attorney General, CFPB XXXX & BBB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XX/XX/2015. In addition, they are reporting a balance due although they have already written the debt off.
Product: Debt collection

We met with XXXX and were make a sale a timeshare. Three days after the sale we learned that the sale was made under false pretenses and would be able to be used due to my physical XXXX. XXXX agreed after several months of deliberations and finally voided our contract agreeing to refund all down payments, including credit charged, and fixing the negative filings on our credit accounts. We have now been fighting XXXX and their debt XXXX ERC to remove this debt and clear the negative credit filings. Its been over a year and we have been harassed with weekly mail, rude phone calls, and negative filings on our credit. We keep being told send in a dispute which we have three or more times with no resolution by continuing harassment. We need help.
Product: Student loan

I was contacted by Navient a month ago and told my loan payments were in default and I needed to pay {$1000.00}. I told the woman on the phone that I had not received anything from them previously. When she gave me the contact information they had on file, it was an address that I had n't lived at in over 10 years. I said I did n't have that kind of money sitting around and I felt that I should 've known about the payments before they were late. She then became threatening about my credit and disregarded the fact they had the wrong contact information. My husband was in the XXXX and the address they had was our duty station in XXXX. He was XXXX XXXX and we now live in XXXX. We had to file bankruptcy and I did not know I had a payment due.
Product: Credit card or prepaid card

My wallet was left at a bar and later recovered but no credit cards were missing. A day or two later various miscellaneous charges started to occur on XX/XX/22 through a period of XXXX in ( TX ) and out of state ( CA ) for a total of {$15000.00}. Once I noticed the various charges I called in and disputed the charges and received a new bank card in which the charges were removed from my account. Two months later without being notified of reasoning the charges were billed back to my card on my XXXX statement which ultimately lowered my credit score due to the charges being over the limit and effecting my utilization. I had to call and re-open the claim and talk with multiple agents for them to advise that they billed the charges back because the transactions were " in-person '' chip based. I have provided a police report of the situation to Bank of America as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

I had a debt with XXXX in which I was paying for a deductible for an accident. I set up a 6 month payment arrangement with an agent for {$310.00}. The first deduction was electronically pulled from my account on XXXX/XXXX/2016. I received no email or written confirmation of this agreement nor did I receive a receipt. I had no idea, at first, what the charge was because all I saw was the amount deducted from my account. I call them in XXXX to request statements and complain about not receiving any. Then I was informed I still owed XXXX after I had already made 4 months of payments. I was also informed the representative that set up this arrangement did not follow proper procedures and that a 6 month arrangement was not an option, that I was supposed to make that payment in 30 days. I then informed them I would not be paying the new balance as that is not what I agreed upon. That day I spoke with XXXX different people from TransWorld. The last person I spoke to was a manager by the name of XXXX XXXX, phone number XXXX. I asked him to retract the recorded call in which I agreed upon the payment arrangement. That was The week before XX/XX/XXXX, he told me to call after the holiday. I told him I did not any more payments being deducted from my account until we figured out what was going on with my account. He assured me he cancelled any future payments. I called XXXX XXXX the first week of XXXX as I finally got my first statement in the mail from Transworld stating they would deduct XXXX from my account on XXXX XXXX. I called XXXX XXXX again to ask him why I was receiving this notice after I told him I wanted to cancel any further payments and he assured me it was just an automatic statement, and that the funds will not withdraw from my account. I also asked if he had heard back from the department that has access to the recorded calls. He said he did not, that he would give me a call tomorrow after he spoke with them. I did not receive a call from him the next day. It is not XXXX XXXX, 2016 and Transworld deducted XXXX from my XXXX XXXX XXXX account today. I am now canceling any future payments from this company with my bank and I want to take legal action.
Product: Debt collection

XX/XX/2016 {$700.00} This account is an result of identity theft.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, and so on.