23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2000 an erroneous auto bill payment ( from Wells Fargo checking account ) was posted to a closed personal loan account ( was paid off earlier ). The money was never " Posted '' to the loan and nobody can tell me where the money went. I keep getting passed from department to department.
Product: Mortgage

There was an error on the part of figure that offered and allowed for an additional draw on this account. Post error the company demanded immediate payment and has been reporting that the account has been 150 % over the initial credit limit. This is due to an admittederror on thier part and has been very damaging to my credit report and ability to obtain additional credit and resources. My family is suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from Elan Services which is valid till XX/XX/XXXX, they made two new " Hard Inquiry '' on my credit report on XX/XX/2019 without my authorization. I also have a supplement card for my son, they have made a similar hard inquiry on his credit report too without his consent. 

I what to report this and also what this company to remove the Hard Inquiry. 

Elan Financi XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account XXXX XXXXXXXX XXXX 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 XXXX AND XXXX 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 or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I got pre-approved for the XXXX XXXX XXXX XXXX card after unfreezing credit profile as requested by Penfed Credit Union. Based on this preapproval, I was going to review the terms of service to that I could make a decision to accept. I called PenFed and gave the representative my application number so they may locate my application in the system and assist me in reviewing the terms and helping me through the approval process in the event I accepted the terms provided to me. The representative stated that I received a notification of my preapproval which was never received and stated that I needed to accept the preapproval decision at the time of approval. They never provide reasons as to why I never received the notification of preapproval and refused to assist me with obtaining further information to be able to accept the original approval decision of which I disputed. 
We both have all the information of mail correspondence and SMS texts of the removal of the credit profile freeze ; however, the Penfed representative refused to acknowledge that I had not received the approval decision to be able to accept the terms and conditions of my approval. They mentioned that they approved my preapproval application however could not demonstrate that they notified me of my approval for my preapproval application so that I may respond in a timely fashion. This is a " bait and switch '' tactic, if I've ever seen one!
Product: Credit card or prepaid card

Chase has been harrassing me and verbally abusing / threating me viathe phone. I have several nasty voice messages from them on my voice mail for proof. they unlawfully closed down my business card all because a women in there corporate office has a personal vendetta against me. i have noticed they are violating the fair credit reporting act and illegally spying on my credit reports. i have a private investigator who c onfirmed i am being harrassed and discriminated by them
Product: Payday loan, title loan, or personal loan

I got a {$3000.00} on XX/XX/2018 loan from which they make me paid XXXX dollars the following month. 
Then {$350.00} every month after that, they told me that the loan interest was 35 %, so I call because its been already XXXX since I got the loan. 
And now the interest its been change!!! 
They want me to pay {$16000.00} I complained but they are not willing to help me.
Product: Credit card or prepaid card

My attorney sent a letter to Macy 's to the account ending in XXXX but never responded
Product: Credit reporting or other personal consumer reports

I previously filed disputes with Experian, XXXX and XXXX to investigate and remove several incorrect and fraudulent collection accounts, charged off accounts and incorrect and fraudulent late payment reports on my credit repot that is greatly impacting my credit score and nothing was done and I received no information regarding that investigations despite requesting the investigative effort reports on many different occasions.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I list as inaccurate XXXX XXXX XXXX  for {$860.00} XXXX XXXX XXXX XXXX {$750.00}
Product: Vehicle loan or lease

Santander bank funded my automobile purchase the first payment was due XX/XX/19 After The next best Business day XX/XX/2019 I noticed the funds have not been drafted from my account I called Santander bank to verify that they had to correct information I was brought to my attention that they use a third-party company and they will have access to that information. HUH? .When I went to their website directly, not knowing anything about a third party .This brings up the concern who has my information I didnt want to authorize this third-party .What relationship with Santander bank Have With this third-party and how is my information going to be used? Nevertheless my current past due I received a voicemail on a Saturday at XXXX XXXX  I called the next business day on Monday I explain the situation And I was told I will be a charge the fee what Surprise me was the agent said it will show at the end of the loan. Not wanting to deal with this I just called the agent lets go ahead and put the loan Com The questions are what is the fee? when will i be charged that fee? who is charging the fee? 

Why is Santander bank forcing consumers to use a third party? Does Santander bank profit from those extortion FEES?
Product: Credit reporting or other personal consumer reports

I have disputed the reported accounts on my credit so many times and they refused to remove them. XXXX XXXX XXXX XXXX. Please help
Product: Bank account or service

On XXXX XXXX, 2015, I contacted Citi bank regarding fraudulent activities and requested to block my account from all credits and debits. On XXXX XXXX, 2015, I confirmed through online banking, the automated voice system from the customer service number and a live representative verified my account was blocked as requested. On XXXX XXXX 2015, my direct deposit was sent to Citi bank and instead of denying the funds to get sent back to my employer, they forced them into my account, which caused {$290.00} of my direct deposit to go towards the fees and charges form the fraudulent activity. When contacting through the phone I 've spoken to many representatives giving me different information, as well as XXXX stating on XXXX XXXX, 2015 at XXXX, that the funds will be forced into my account even If it is blocked from all credits and debits with fraudulent activity. Which is completely different from what every other rep has told me since my issue started. I was told that the block would prevent my funds from being taken by every other citi employee. Since this issue has occurred I have accumulated fees since I have not been given my funds back in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They didnt fix the problems they said the would on my credit report. Also told me not to close a credit card that I maxed out. Said it wouldnt help my credit and they would fix it. They said the would get late fees off my account and didnt. I had them from XX/XX/XXXX to XX/XX/XXXX. I would call to cancel but they talk me into having it longer that they needed more time. I recently called to ask for my money back because they didnt fix any of the problems on my credit report.
Product: Checking or savings account

I transferred my money to another institution and tried closing my account. Citi Bank does not allow you to close accounts online despite opening my accounts online. I have to call or visit a branch which does not exist near me. When I call, providing my social security number and account number is not enough. They require me to provide the PIN to an ATM card I never asked for or activated or a verbal password I would have created when I opened the accounts. I've never needed to use this secret word before so of course I don't remember it almost XXXX  years later. 
I have tried calling multiple times and nobody will close my account without this information even though I happily provide everything else ( SS #, Acct #, Address, etc. ). 

Now I'm getting monthly fees and emails from Citi that if I don't pay my " overdrawn '' balance the account will be closed and reported to consumer reporting agencies. The fees need to be refunded ( which will take me back to a {$0.00} balance ) and closed. Something I've unsuccessfully tried to do with Citi for 3 months!
Product: Credit card

I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target.
Product: Debt collection

On XX/XX/2024, I was reviewing my credit reports through annualcreditreport.com. I discovered a collection entry that DOES NOT belong to me from a company named Swiss Colony/Montgomery Ward . The account # XXXX reflected a charge off balance of {$340.00}. Multiple attempts have been made to contact this company without resolution. I further noticed that this same company not only entered a collection entry of {$340.00}, but also entered a " Past Due '' balance of {$120.00} which alerted me to suspicious activity as an account can not be charged off and show a past due balance. 

This incorrect information is causing me financial harm as I am unable to secure a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation US DEPT ED Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This Account is inaccurate and seeking litigation please delete it immediately.
Product: Debt collection

Company has no proof that I owe them this debt. I have contacted them through mail stating that if they can not validate this account, they should not be reporting this to the credit bureaus because the information is invalidated. They have been compliant upon delivering proof to me in writing of the validation. It has been a full 30 days and still no response and still reporting this invalidated information on my credit report.
Product: Checking or savings account

Today XX/XX/XXXX i went to the bank of america branch after talking to online support they stated that i needed to go verify my identity since i havent shown id and what not .. needless to say when i got there its all blocked off everyones worried about covid. I talked to a banker by the name XXXX who didnt even say a word actually to me about anything i told him i wanted to keep my account with boa but not the one i was having suspicious activity, he said well then whats the difference between one and the other, well theres a huge difference my account was being frauded through online and it still would have the same acct and routing numbers .. now i have disputes up the XXXX  XXXX  and even had more fraud charges when i looked at the paper he gave me, he just said take this up to the teller and ur all set. well excuse me but i disputed all of these charges my account online was not allowed to log on and my phone banking everything so i didnt know anything activity wise .. now im out of a bank account because he didnt open one when i asked and im out of all the money becuase it cant be disputed properly without an active account where i can get my temporary credit while i wait for it ..AND ITS COVID CMON BANK OF AMERICA OPEN ME UP A NEW CHECKING ACCOUNT AND HELP AMERICANS NOT HURT US THIS HAPPENED AT XXXX XXXX XXXX XXXX, XXXX  , MI XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Equifax to request the contract because they will not provide to me. Equifax went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a Dispute with XXXX XXXX they applied an extended fraud alert without my consent and listed my phone number incorrectly. The last for of my phone number was listed incorrect my number is ( XXXX ) XXXX XXXX  had my number as ( XXXX ) XXXX. Causing massive issues. I applied for an account with Destiny credit card and received a letter listed below with reference number DestinyXXXX, that stated they were unable to verify me, and gave me a number to call. I called Genesis FS Card Services at XXXX and spoke with XXXX an account manager for Genesis FS Card Services, and I explained the situation and let her know I had XXXX correct their mistake and asked her for a reconsideration. XXXX told me that she could not offer me a reconsideration and that I would have to apply all over again receiving another inquiry.
Product: Credit reporting

I have items on my credit report that are over 7 years old and I am a victim of Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act TransUnion has violated my rights. 

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

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name & Number : XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX  - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 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 or other personal consumer reports

I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX the XXXX 2023 I reported unauthorized transactions that occurred under my account with Bank of Texas there were multiple withdrawals that were made under my account that I did not authorize permit or allow to be conducted I received a check from Bank of Texas on XX/XX/2023 in the amount of {$1300.00} now upon receiving my bank statement which at that time of me disputing these transactions Bank of Texas did not allow me to see my account activity so I couldn't properly clarify which transactions were valid and which weren't on XXXX the XXXX 2023 I received my bank statement upon checking for the statement. XX/XX/2023 through XXXX the XXXX 2023 he total number of incoming transactions that I received was {$2600.00} Bank of Texas only sent me a check for {$1300.00} the only valid withdrawals under my bank statement are two transactions which totaled {$150.00} what happened to my XXXX dollars that Bank of Texas did not include Indy chick that they have sent me