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

My account with XXXX XXXX XXXX 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 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 XXXXXXXX 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

I am requesting the removal of unauthorized credit inquires on my TRANSUNION credit report. Ive identified 2 hard credit inquires that I have no knowledge of ever authorizing. 

1. XXXX XXXX : XX/XX/2023 2. XXXX XXXX XXXX : XX/XX/2023
Product: Checking or savings account

I received a letter in the mail from JP Morgan Chase Bank on XX/XX/XXXX stating they were closing my checking account that I have had since XXXX. The letter was dated XX/XX/XXXX and states that my account will be closed on XX/XX/XXXX ( 3 weeks approximately ). 

There is no reason why. I called the number listed on the letter XXXX and they do not know the reason either. I went to the branch and they also have no idea why. 

In the past 44 years with Chase I have never had any issues. I don't overdraw, I keep money in the bank. I am the most normal, follow the rules person you could ever meet. And I can not think of ANY reason why Chase is closing my account.
Product: Debt collection

I receive XXXX to XXXX phone calls from this company daily. My phone number is a business phone number. This is not my debt.
Product: Credit reporting or other personal consumer reports

Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian rightfully closed account XXXX belonging to XXXX back in XX/XX/2023. I never authorized nor had a contract for this account and didn't consent to it. It has actively been in dispute, and they are still reporting it while being disputed. They also are still reporting unverified late charges on several closed accounts with Dept of EducationXXXX and XXXX.
Product: Bank account or service

I received my direct deposit on XXXX/XXXX/16, the amount was {$610.00}. I also deposited {$9.00} same day after that direct deposit from my XXXX account. The {$9.00} posted XXXX/XXXX/16, in order, it was sequenced and shown as right after the {$610.00} deposit. 

I went to Wells Fargo on XXXX/XXXX/16 and withdrew {$350.00} cash from a teller inside the bank. After this, I did not have a negative balance. Next, a telephone payment from XXXX XXXX XXXX I set up posted to account and shown as deducted on XXXX/XXXX/16, in the amount of {$140.00}. My account was not negative, I had enough money / available balance to cover that. When I logged into online banking it showed in order, right after the cash withdrawal on XXXX/XXXX/16, same day. 

On XXXX/XXXX/16 my other job 's direct deposit of {$910.00} came in and was part of my available balance. I went to the bank and saw a teller and withdrew {$830.00} cash of that. My account was not negative. After the withdrawal approx. {$50.00} was the available balance. 

Yesterday on XXXX/XXXX/16 I logged into online banking and saw my balance was negative, - {$24.00}. I allowed XXXX XXXX Bank to process a bank account payment of {$50.00} on XXXX/XXXX/16. 

But, Wells Fargo said the overdraft is from XXXX XXXX XXXX payment of {$140.00} and charged me a {$35.00} overdraft fee. I looked at the order of transactions and the only logical explanation is that they are re-ordering transactions to justify that, just off the simple chronological order of my transactions it is impossible that payment would cause this overdraft. That is unacceptable! 

Before I filled out this What happened? section of my complaint i logged into online banking again to review and I see I have now been charged another {$35.00} overdraft fee for the {$50.00} XXXX XXXX payment. But, online banking shows a deposit of {$34.00} from Well Fargo & Co Pln Pymt right after the aforementioned {$910.00} deposit, then a withdrawal of {$830.00}, next the {$50.00} XXXX XXXX payment, and lastly the {$35.00} XXXX XXXX overdraft fee. 

My current balance is - {$60.00}. 

Yesterday, when I decided to submit a complaint it was because they were re-ordering the transactions not in their true order to justify the {$35.00} overdraft fee for my XXXX XXXX XXXX payment. Instead, now I am including the second {$35.00} overdraft fee for the XXXX XXXX payment as they are grossly and blatantly trying to manipulate my account for {$70.00}, I do not appreciate that. 

I would never challenge a legitimate fee, and I ca n't believe that Wells Fargo would move my transactions around out-of-order versus the daily balance that they provide me! Just to get fees for themselves! Please help. 

Feel free to contact me with any questions / if you need clarification.
Product: Debt collection

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Debt collection

Hello, my name is XXXX XXXX. Im filing a complaint today because I believe Im being held accountable for a debt thats not mines nor was valid. The UCB collection agency claims I owe a amount of {$880.00} for a medical bill. I kindly sent them a dispute letter in XX/XX/2022 asking them to send me information about this dispute. Along with the letter I sent a copy of my drivers license so they could know that it was me sending the letter and that I just want them to send me the information I asked for and not to call me. About a week into me sending the first dispute letter I saw on my XXXX XXXX thats the collection bill of {$880.00} has been CLOSED, it stated so I thought ok they got my letter and everything was resolved. A couple days later I saw that the collection bill for {$880.00} was put back on my report. I was very confused and frustrated, so I called UCB ( the collection agency ) and this girl answered and Im telling her whats going on and she told me that oh yeah we do take the collection off and put it back on each month as a update and Im like What??? That sounds so stupid, obviously she did not know what she was talking about because I never heard anything like that. So Im telling her listen you guys need to send the information I asked for if you cant do that then remove this off my report. She stated that they just sent out information to me and I should be receiving it soon in the mail. I told her ok and I didnt want to talk anymore over the phone and to just send me information through mail. I waited for the information to come through the mail and it never came. It was well over the 30day mark we were in the end of the month of XX/XX/2022 and this was still on my report. I did receive a call from the agency around this time and they asked me to verify my name and address which I did and I politely told the man I did not want to discuss anything over the phone I sent a dispute letter asking for more information and never received anything. I politely hung up and around XX/XX/2022 I sent another letter to the UCB collection agency, explaining that I sent a dispute letter and I havent heard from you guys within a month. I told them to please remove this off my credit report as Im XXXX XXXX  and I already have enough problems. Today is XX/XX/2022 and I looked on my XXXX XXXX  and it says that they closed the account again. Im writing this complaint because I want this collection closed for good and I dont want to have to worry about this anymore. Also I noticed that they did not remove this collection bill for the month of XXXX so that was suspicious since the girl said they *update each month removing and putting it back on my report. Anyway I would like some answers as to why they havent validated this bill with information and why they keep closing the account and reopening it. As of today XX/XX/2022 it shows the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX vaccum cleaner through Preferred Credit they gave me the product and I received 2 letters stating that I was not approved 2-3 days after I received the letter I Called and asked them to pick the vaccum up they never came so now they are reporting this on my credit report still have the vaccum still in the box just want this off my credit report
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX  around XX/XX/year>. This accounts have resulted in several fraudulent hard inquiries and fraudulent late payments on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company document to verify that they did not verified the credit I credit report due to several freeze and I also sent a certified letter to Experian also.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and have identified inaccurate item that is erroneously reported : XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, I request that this item be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify this item with the respective creditors who have reported it. Any information that can not be verified by the creditor should be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
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  : Reference # 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX Mortgage ( XXXX ). There is a 30-day late that occurred in XXXX of XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XXXX of XXXX, because XXXX cancelled XXXX auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XXXX of XXXX. We made our first payment in XXXX of XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i contacted Experian via the consumer finance protection bureau complaint number XXXX it was regarding a fraudulent account that was being reported by XXXX   XXXX. i provided a identity theft report that show the account being fraud and amount with dates. Experian replied to me via the CFPB informing me that they provided this information to the the data furnisher 'XXXX  XXXX ' and the data furnisher agreed to have it deleted. 

On XX/XX/XXXX that same account reappeared on my Experian report. This time showing as derogatory and tanking my XXXX score by 38 points. 

I strongly believe they are both taking advantage of the current crisis " Covid 19 pandemic '' to make a quick buck.
Product: Credit reporting or other personal consumer reports

FIFTH THIRD Bank opened an account with my name and address, I don't understand how this could be possible when my credit report was locked for the past 2 years with the 3 Credit Bureaus. I've never been in the state the account was opened either and I've never delt with FIFTH THIRD bank. When I called FIFTH THIRD Bank and provide my SSN the customer service rep with name XXXX said that could not find any account under my SSN, she transferred me to Fifth Third FRAUD department and spoke with XXXX who took my information and mentioned that I was going to receive a letter, which I have not received yet, I meanwhile FIFTH THIRD still shows in credit report. This is a FRAUD of my identity. I also submit a dispute with XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame. 
XXXX. XXXX XXXX XXXX XXXX # XXXX {$3800.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$570.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$3400.00} XXXX. XXXX XXXX XX/XX/XXXX # XXXX {$410.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX # XXXX {$3800.00} XXXX. XXXX XXXX XX/XX/XXXX # XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX # XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card and XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

XXXX XXXX XXXX XXXX and from Cabela 's Club Classic account with Capital One I never had this account and I deal this is not my account never have had a capital one card ever so that's why I prity sure this is not mine the charge was from XX/XX/year> find out why it sayes this is mine I know it does
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed an account reporting as a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

It is as follows : Bank of America Account number : XXXX According to the IRS, this is tax fraud and I am not afraid to report the company for this. As is my right, I am demanding that they DELETE this reporting information from my credit report.
Product: Debt collection

I had XXXX come out to hook up internet late XX/XX/2018 and they couldn't provide the service that they agreed to provide. So after three days of nothing being fixed I had them come take their equipment and cancel all of it. It was written in their contract and I was told personally by their staff that they had a grace period and that I wouldn't be charged for any of it since I didn't use the service and it was withing the grace period. I ended up getting a bill after being told I owed nothing. So I got a hold of their support team on XX/XX/2018 and was told yet again I owed nothing and I still have this conversation backed up on my email from that day. Recieved yet another bill in the mail about a month later so infuriated, I called them and tried to figure out why im still being mailed bills for a service that I don't have and obviously was assured I owed nothing on. So they apologized and said they would fix it. So I never got another letter or bill. That was 9 months ago. I now see I have an outstanding collection from XXXX for XXXX. XXXX  will not do anything about it now that it's in collections, and the Collector wouldn't do anything over the phone and said I needed to file a complaint on their website. So I did. And nothing has happened. That was last week. I would consider this Fraud. I don't even understand how companies get away with this.
Product: Money transfer, virtual currency, or money service

Your case ID for this reason is XXXX. My account was limited XXXX XXXX2017 and its been over 180 days that my money has been held. I have {$230.00} USD in my account. Please release my money for withdrawal.
Product: Credit card

I put a {$500.00} security deposit down for my discover credit card. I was informed that the security deposit would be returned to me after XXXX months in the form of a check. After the XXXX the months I was worried and called my parents at home to see if the check was sent to their address and not my current address. They were unsure if they had received the check, so I called discover to cancel that check and send another to my current address. Well I waited and waited for the new check and I never received it and eventually moved in early XXXX. I then called again in XXXX to have them send another one as I had not received that check either. They said they could direct deposit it into my account and they took my bank information to do it. After another XXXX  of waiting for the deposit I had received no money. I since then have called XXXX more times to try and receive my check. In my most recent call I asked if there was a reason I had not received the money. The person on the phone said my bank was declining the deposit into my account. I then called my bank inquiring about this problem to which they informed me they had not received any form of deposit let alone declined any. It has been over XXXX  months since I was set to receive my payment.