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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX  in XXXX Georgia on XX/XX/XXXX of this year, I paid part of the down payment {$1500.00}, and was supposed to make pickup payments starting on XX/XX/XXXX, well they messed up the paperwork and put XXXX XXXX  as my first payment due date. I'm a XXXX veteran and only get paid once a month, so they knew I couldn't pay again until XXXX because of my pay schedule and my bills. Well on XX/XX/XXXX united auto acceptance repossessed the car and told me I would have to make the " late '' pickup payment and pay the repo fees as well to get the car back. Well finally after days of calling both pars cars ( and leaking there XXXX miles XXXX way over multiple days ) and United auto acceptance, we finally got the car back on the XXXX as XXXX XXXX who worked at United auto acceptance let us get the car back and sign and new contract with pars to correct it to the due date the bill was supposed to be so we wouldn't have this problem again. The issue is that pars cars should pay the repossession fees, since it was their mistake and they even admitted they messed up, however I still have to pay for the repo fees on top of the pickup payment.
Product: Debt collection

XX/XX/XXXX I was contacted by GC Services limited partnership. A collections Agency on behalf of the XXXX County Superior Court traffic division. This debt was for unpaid traffic tickets. Which in turn ended up putting a hold on my license by the California Department of Motor Vehicles in XX/XX/XXXX. However in XX/XX/XXXX I did contact the collections agency GC Services which is a third party collections Agency for the Superior Court of California XXXX County traffic division I paid my debt and they specifically gave me instructions on how to then obtain a release of my California driver 's license from the CA DMV which I did XX/XX/XXXX. However, today XX/XX/XXXX I have received another collections letter from the collections company GC SERVICES demanding payment again on the balance that was settled two and a half years ago. I contacted the company spoke to a representative who was unhelpful told me everything that I was saying was a lie told me they had no record of my payment they do n't talk to the DMV they do n't have any record of anything that I did in XX/XX/XXXX that would have released my license. So I asked who do I dispute this with. They gave me no answers gave me the run around and only wanted to obtain payment for a debt I have paid off two and a half years ago. I then spoke to a manager who is equally as rude and unhelpful gave me no information except for the fact that there was no correspondence between the collections agency and myself in the last 3 years. Stating the last letter they sent me was XX/XX/XXXX. So I asked why would you guys not contact me for 3 years if I owed it. But she could not answer. She also could not answer who I made the payments to or give me any records or information from the conversation that released my license in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate and mixed information, including accounts and transactions that have nothing to do with me. Despite my efforts to resolve this issue, these errors persist, causing unnecessary stress and negatively impacting my financial standing.
Product: Money transfer, virtual currency, or money service

The purpose of this communication is to file a complaint against Chase Bank for stealing and withholding my funds that was deposited into a new business account. 

On XX/XX/2023 my business, XXXX XXXX XXXX XXXX XXXX sent a wire to JP Morgan Chase to establish a new business bank account for investments. I, XXXX XXXX, CEO of XXXX, went in person to my bank, XXXX XXXX to do the wire around XXXX on XX/XX/2023. The wire was XXXX XXXX dollars. 
My Bank told me that it should take 1-2 hours for the wire to be in the account. 

When I reviewed the Chase business account around XXXX that night the wire had not made it into the account yet. I called the fraud line and told them I had some concerns about the account since the wire was not in my bank and asked that the wire be returned to my bank and freeze the account. The fraud department told me that that would not be an issue since the wire was still pending, they could easily return it to my bank the next day. 

The next day I contacted XXXX XXXX about a returned wire, and they indicated that they did not receive a wire bank from Chase. I then contacted Chase and was transferred multiple times regarding the status of my wire. I was then given a call by business banker and was told that the wire would be returned to XXXX XXXX on Tuesday XX/XX/2023. 

On Monday, XX/XX/2023 when I went to log online to the JP Morgan Chase account on Monday I was locked out of my account. I was then given a call by the business banker saying that Chase had decided to close out the relationship and they will be mailing a check back to me. 

They could not give me any information on what was going on and why they could not return the funds to my originating bank via wire. As of today, XX/XX/2023 I received a call from Chase telling me that they will be holding my funds until the end of the month. They will be conducting an investigation on the source of my funds and will mail my funds at the end of the month. 

None of this makes any sense but speaking to a representative from the XXXX XXXX XXXX, they explained that they have received numerous complaints about Chase Holding Deposits.
Product: Debt collection

SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? 
If yes From who?
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information.

Sincerely, XXXX XXXX XXXX XXXX  15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting 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 and list of Inquiries. 

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: Mortgage

Ditech has held my 2nd mortgage for several years untilXX/XX/XXXXwhen it was taken over by XXXX XXXX XXXXXXXX. Upon viewing my first statement from XXXX XXXX XXXX I noted that it said my loan was paid ahead until XX/XX/XXXX but that I had a balance due from Ditech in the amount of {$24.00}. On XX/XX/XXXX I contacted Ditech and learned that even though I pay {$250.00} every month to cover a set monthly payment of {$230.00} in which the additional amount goes to principle, the overage was not going to principle but was rather being held by the company until the total overage was {$210.00} at which time they applied it to the payment for XX/XX/XXXX ( without my consent or knowledge ). When they did this, not  only did it appear as though I shorted them on a payment but they were then able to keep {$140.00} of the funds as interest instead of applying it to principle like I intended and like they showed on every months ' statement they were. Based on this history, it likely means they are currently holding {$110.00} that should have been applied to principle since XX/XX/XXXX and are just going to keep it. Here is how I got that amount : $ XXXX-XXXX=XXXX x 8 months= {$110.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports inaccurately report my XXXX XXXX XXXX XXXX XXXX account as OPEN. My XXXX XXXX XXXX XXXX XXXX Is required to be reported as Closed by Consumer and/or permanently deleted from every credit reporting agency file. Pending investigation, my XXXX XXXX XXXX XXXX XXXX Account must be reported as DISPUTED. Failure to promptly report my account as Closed by Consumer on every credit report shall be considered a Willful Violation of the FCRA and Metro 2 protocols.
Product: Checking or savings account

I had sent a money order to USAA Bank to deposit into my checking account. I had sent this money order express mail on XX/XX/2018 and the express envelope got to the bank XX/XX/2018. I had tracking on the express envelope. I called the bank the next day XX/XX/XXXX to make sure the envelope got there and that the monies were deposited to my account. The representative that I talked to said that there was no envelope and that it would take 24 hours to the next business day to process the money order. I called a couple of day later and the representative said that there still no sight of the envelope and it would take 48 hours to process. I call again a couple days later ( XX/XX/XXXX ) and the representative said that was no envelope and that an investigation would be warranted. I get a call from the USAA bank investigator and she said they found the envelope, but the money was not in envelope. Either it was misplaced or taken out for unknown reasons. This bank took two weeks to find an Express envelope I sent to them two weeks ago and then when they do find it, the money is gone. 

Tracking for money order - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

A couple of months ago I need a one-time transaction to pay my premium to a phone insurance company called XXXX XXXX XXXX.This is the only interaction I've ever had with this company as my phone insurance is deducted for my phone company and not the actual insurance company. So to be clear I've given the phone insurance company my card number one time to pay the deductible. Over a month later I was been charged {$210.00} without my knowledge by the same company. I do not have any kind of contract or agreement with this company and I certainly did not give them permission to keep my card on file or ever use it for any other transactions again. They are claiming I did not send back the original phone however they provided the envelope the tracking and I simply put the phone in the envelope and sent it. My bank is now refusing to return the money to me claiming that I have a contract with this other company. I have asked numerous times to see the proof of how or when I authorize this charge and I'm not being provided with anything.
Product: Debt collection

On XX/XX/XXXX I paid off my XXXX XXXX bill {$92.00} and the service was disconnected on XX/XX/XXXX which was my last day at the apartment where the charges were billed to. On XX/XX/XXXX I received my last bill which shows no forward balances and no further owed amounts on the account. I attached my bank statement which shows consecutive payments to XXXX   XXXX Less than a year later in XX/XX/XXXX I found a charge off from XXXX  XXXX for {$410.00}. Since then, I have attempted to settle the dispute directly with XXXX XXXX and was unsuccessful, I then contacted the collection agency directly, however they could not provide back up which proved that the {$410.00} charge sent to them from XXXX  XXXX was a valid charge. I have made numerous calls, explaining the situation and have provided back up to prove what I have stated in emails but my emails are never answered and the issue has yet to be resolved. I will be in the process of purchasing a house soon and this charge is seriously impacting my and my husbands credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting yet another CFPB Complaint to update and correct the following fraudulent information in my file. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask the Credit Bureaus to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items listed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Please be advised that you are reporting the wrong address information on my credit report. Kindly delete this incorrect address right away. 
XXXX XXXX XXXX Balance Owed : {$3700.00} I am frustrated! I have been disputing for the correction of this account and yet nothing has been done! I formerly asked for the proofs of verification or documents to prove that the information you report are accurate or you correct this account completely from my Credit Report but you have failed to comply! Your willful non-compliance of the FCRA statute is a clear violation of a consumers rights which is protected by the FCRA. I am now requesting that you update and correct this account on my Credit report or you stop this erroneous reporting. 
XXXX AUTO XXXX Balance Owed : {$0.00} How many letters do I have to send to you to inform you that this Account is paid and the balance is 0? This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. Please delete immediately if unable to provide verifying documents!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had no knowledge of tis account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Bureau XX/XX/XXXX, the bureau had a previous address that I have never lived at. I initiated a dispute with Equifax who at the end of the dispute told me that the address was Fraud and would be removed.. On XX/XX/XXXX I pulled a new bureau from Equifax and found that the address that they told me was fraud and would be removed was  still showing on my credit file. Equifax required me to initiate a new dispute. The dispute was closed and once again Equifax told me that the address will be removed. I have another bureau pulled XX/XX/XXXX and the address still is showing on my bureau and I am being told I need to speak to the fraud group again to have my concern resolved.
Product: Debt collection

Original creditor transferred debt to collection agency. Debt first became delinquent in XXXX XXXX XXXX XXXX XXXX has attempted to re-age debt by showing it was first opened or first became delinquent in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$750.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX FIN XXXX Balance : {$900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. 

Attached is documentation listing all accounts in question. 

Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. 

These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft. 

Early Warning Services has specifically continued to violate these rights, and I need a resolution immediately. 


As detailed in the FRCA, these entities are now required by law to remove these accounts and provide me an updated copy of my account reflecting the changes Im, again, which I am entitled to per the directions provided by the FRCA, demanding to be implemented. All of the above accounts referenced need to be removed, as I am not liable for these debts that were unlawfully added to my credit report because of a severe case of identity theft Ive informed these companies of ON MULTIPLE OCCASIONS. Non-compliance will force me to forward this poor line of communication and blatant disrespect for my rights as a consumer, to the Attorney Generals office ; which will also include cases with the FTC and XXXX being submitted as well. Cooperation during this matter is required.