23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I'm not going away!!!!! 

I hope the CFPB will do its job and protect consumers like myself from Banks like Ally, XXXX XXXX, etc. 

Please note that Ally still needs to acknowledge the breach of their promise made on XX/XX/XXXX ( placed me on the do not call list ) by calling me on XX/XX/XXXX. 

Furthermore, I NEVER REQUESTED MY ACCOUNT BE CLOSED. To indicate so is deceitful ; your company closed my account because of your unprofessionalism and pettiness, nothing more. 

PLEASE ALSO NOTE : Ally is being deceitful about offering flexibility in payment options. 

I used to pay via ACH - I had 2-5 checks bounce from two banks due to financial hardship. I communicated my struggles. What was Ally 's response? " You have to have the bank fax us a letter confirming the accounts are open. '' HAVE XXXX XXXX FAX A LETTER lolololololol - impossible! I still tried and failed ; my only recourse after that was to pay via debit card ( late ). There is no logical reason to stop people from paying for their account via debit card if they are serious about past due balances. 

Lastly, I am in the process of filing other complaints against Ally wherever and however I can. I don't have the money to sue, but I can complain and will continue to until my debt is erased because their refusal to work with me to resolve {$3000.00} is unjust. 

PLEASE, CFPB, help the everyday American by holding these greedy corporations accountable. Why was my nearly XXXX credit score ruined by one unfortunate event ( engine failure ) and corporate insolence!!
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, andXXXX XXXX XXXX, XXXX. I have yet to receive any response from XXXX, XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, and XXXX XXXX XXXX. Additionally, I did notify XXXX, XXXX of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX BANK. XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 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 months that are reported late 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 XXXX 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!

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

There is a account that is listed inaccurately on my credit report for  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and Equifax have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   County Court . I have attached a copy of the  XXXX   XXXX . There is a error please Delete the misinformation.   This is a notice of dispute pursuant to the Fair Credit Reporting A ct ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX  XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX  XXXX Balance : {$770.00} Medical XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

Appfolio XXXX is using their own credit scoring system as a tenant/landlord screening and is projecting inaccurate credit score which are so low and is citing XXXX as the Bureau who gave them the credit score. 
My XXXX  score is XXXX as of XXXX and on this same day, Appfolio was used to screen my application with a potential landlord and I lost {$100.00} in application fees due to Appfolio citing XXXX providing the score of XXXX.
Product: Credit reporting or other personal consumer reports

Sending this complaint means that I am expecting a deletion from you within the upcoming 15 days as I am updating my credit reports. And I am positively anticipating such resolution to fix the negative impact brought by these fraudulent items that I listed in complaint. I also included in this complaint just like my previous complaint dated XX/XX/XXXX, the FTC Reports that I filed with reference # : XXXX, XXXX & XXXX. I really appreciate the efforts done by the Bureaus to remove some items but these items should be included in those items that were already REMOVED from my credit file. Please see the items that I listed in each Bureaus, for your reference : -- -- -- -- -- -- -- -- -- -- -- -- -- -EXPERIAN XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WY XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$6800.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of XXXX XXXX has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with XXXX XXXX and I paid it off in XXXX of 2020. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for {$49.00} in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be fixed/updated. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/2024 According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " You are a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to YOU, whether it be verbal, non-verbal, written, implied or otherwise is revoked. These accounts ; XXXX XXXX XXXX  - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXXXXXX {$580.00} ; XXXX  XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} are an adverse item they are reporting again without my permission which 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. c YOU are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please remove these ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} items from credit report and mail an updated copy of report free of charge : in good faith
Product: Checking or savings account

On or about XX/XX/year> a deduction of {$160.00} was taken from my Chime checking account. I contacted Chime and disputed the funds being taken from my account. Once I recognized it was my auto insurance I immediately contacted Chime to close the dispute and return the {$160.00} to my account. Upon contacting XXXXXXXX XXXX XXXX my carrier I was informed that no money was received and therefore they had canceled my auto policy. 
Upon me making another payment to XXXX XXXX XXXX a new policy was written, only to be deactivated which caused a second policy to be issued only to have that one deactivated after another payment and then a third policy was issued all unbeknownst to me that I now was carrying XXXX policies. When I went on my insurance app and saw that again it said my policy was deactivated I then went directly into the office where the agent there then found where the problem lie. 
This led to a series of phone calls to XXXX XXXX main office in order to untangle this mess. At which time it was disclosed that in fact the {$160.00} was not received and that's why my policies were canceled. 
I have been in contact with chime a minimum of 4 to 6 times since XX/XX/year> in regards to this issue. I have sat in the insurance agents office with both chime agent and XXXX  XXXX finance officer discussing the issue. At which time chime has been informed that my auto insurance company was never in receipt of the {$160.00} therefore my auto policies keep getting canceled. I have also spoken to four escalation supervisors all claim to be investigating. They also informed me that they could see that the {$160.00} have been taken from my account and has not been returned to my checking account. XXXX XXXX has clearly stated to chime that they were never in receipt of the {$160.00}. as of this date XX/XX/year> I have still gotten no resolve in the return of my {$160.00} to my checking account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is XXXX Ive been dealing with fraudulent activity for a while now and there was charges done without me knowing or consent this company had made it difficult to where they freeze my account and made it to where I became late and effected my credit history as part of few other cards and crisis Im currently experiencing.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

They have charged off my account and have yet to provide the 1099C
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I missed my payment a few times, not in a row, in the following months after, I paid extra to catch up each month. Instead of applying the extra money to my lateness, they applied it to the principle. The paperwork I received never showed my mortgage as delinquent until a year later. When I tried to straiten it out on the phone, they were rude, and said they could n't go back and change it now. Now I 'm paying hundreds of Dollars in late fees, and I ca n't get caught up.
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 # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 



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 have not supplied proof under the doctrine of XXXXl by silence, XXXX XXXX XXXX XXXX, I presume that no proof of alleged debts, nor therefore any such debt, in fact therefore exists!
Product: Credit card or prepaid card

This may seem like a very minor complaint, but it is not. We live in a world where minor bad security practices with online computer access to credit card accounts lead to very serious problems, and the credit card operations at JPMorgan Chase 's credit card operations have a security problem they could trivially fix, but won't. This would not have been an issue 10 years ago, but now it is.

JPMorgan Chase provides very nice online access to all their products at chase.com. You can see your bank accounts, your securities accounts and your credit card accounts through one common online portal. If you and your spouse both have such online access and give each other a power of attorney, then the bank side and the securities side follow good modern computer security practices and give each member of the couple their own login to see the accounts involved, so there is an accurate audit trail if there is a breach.

The JPMorgan Chase credit card operation absolutely insists the both members of the couple should share their login credentials instead to achieve such joint access. This muddles the audit trail in case of a breach. These days it is important to enforce a strict bar against sharing computer access credentials.

This is a mistake on the part of JPMorgan Chase. You would be doing all their credit card customers a service if you would explain to them that they are making a mistake and should bring the credit card operations using up to the same security standards for this access as the bank and the securities sides of this portal. I have tried to explain this to them via their secure message portal, but the credit card operation has simple decided to ignore all messages on the subject since XXXX XXXX under the mistaken assumption that they are doing the right thing and don't need to hear any advice on this subject from a mere customer. If you would be kind enough to intervene, you would be doing me and other customers with POA access a service.
Product: Checking or savings account

The company charges my account later when my account getting low. Not when I make the purchase. So that they can get the overdraft fee.