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

My mother and I have a joint checking account with Chase Manhattan Bank My mother made out a check to me in the amount of {$360.00} and lost the check The check was deposited in another financial institution and my bank paid the check. 
I never received this check, the check was not endorsed by me. 

I contacted Chase Manhattan and reported this. 
They had me fill out a form " Declaration of Unauthorized Endorsement or Altered Item '' so that they can recover the funds from the other financial institution. 

Chase has received my form and has begun their investigation. 
They informed me that it would be 60 to 90 days until I received a response, and if they did not receive a response from the other financial institution they would ask them again. 

When I asked if there was a legal requirement as to how long the other financial institution had to provide chase with the information, they did not know. 

I want to know how long I have to wait to have the funds credited back to my checking account, if there is a statutory time limit, and, if I will be informed as to the exact details of the fraudulent deposit of my check, i.e., what signatures/ who endorsed the check, etc.
Product: Credit reporting or other personal consumer reports

Hi I did not make this credit card inquiry. I did not do this. Please fix this
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax, XXXXXXXX XXXX, and XXXX XXXX due to a gross violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

On my Equifax credit report, a collection account has been re-added between XX/XX/XXXX, and XX/XX/XXXX, despite the fact that I have never had any account or financial relationship with XXXX IN. The account, originally reported by XXXX XXXX, was previously marked as paid in full and closed on XX/XX/XXXX, with a XXXX balance. Despite this, the same collection account has been inaccurately reported as a new account on my credit file. 

This re-reporting of a paid and closed account is a clear violation of Section 623 of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which mandates the accuracy and integrity of information furnished to credit reporting agencies. Additionally, XXXX failure to ensure the accuracy of the information they report, as required under Section 611 of the FCRA ( 15 U.S. Code 1681i ), is unacceptable and has resulted in significant harm to my credit standing. I demand an immediate investigation into this matter by the CFPB, and I expect prompt action to be taken against Equifax, XXXX XXXX, and XXXX XXXX for these violations. I am requesting that this erroneous collection be removed from my credit report immediately, and I further expect any related negative marks to be corrected or expunged without delay. This situation has caused undue stress and potential financial harm. If this issue is not resolved promptly, I will pursue further legal action and seek damages for the violations of my rights under federal law. Thank you for your immediate attention to this critical matter. I look forward to confirmation that this erroneous collection account has been permanently removed from my credit report.
Product: Credit card or prepaid card

XXXX XXXX : Became aware that the CC was not being paid off as intended. 
XXXX XXXX : Called BofA ; held for ~25 min ( est. 4 min wait time ) Explained situation. Service rep. Agreed payment options confusing. 
Service rep. said refund request denied. 
I informed service rep Id be submitting complaints to relevant agencies. 
Rep said she would submit a complaint with BofA. 

Account opened : XXXX Bank of America Corporate Center XXXX XXXX XXXX XXXX XXXX, NC XXXX Submitted claim to Office of the Comptroller of the Currency : When I opened this account on XXXX XXXX, XXXX, I setup autopay. My intent was to pay off the entirety of the bill like I've done with 99 % of all statements for every credit card I've had for the past 20+ years. I've never intentionally left a balance on a CC ever. 

The options presented where objectively misleading. The four options were " Minimum Amount Due '', " Amount Due '', " Account Balance '', and " Fixed Amount ''. Given these options, I thought " Amount Due '' was clearly what was wanted as this would be the " amount due on the statement ''. And, by process of elimination, " Minimum Amount Due '' and " Fixed Amount '' were not that, and " Account Balance '' refers to the balance of the account at time of payment, and since only wanted to pay the statement balance, " Amount Due '' seemed the clear choice. 

However, seeing that the statements were not being paid off, I clicked the " help '' and it informed me that " Minimum Amount Due '' and " Amount Due '' are effectively the same option and that " Account Balance '' is ( it seems ) actually the " statement balance ''. Redefining a common term as something else and offering two options which are equivalent is at best confusing and, given the resources and knowledge of BofA, I assume intentionally misleading. 

After setting up auto-pay, I had logged in to ensure that a first payment was scheduled. Believing I was covered, I may have checked the account a few times, but didn't pay attention to the payments or balances since I was sure that I was paying off the balance. On XX/XX/XXXX, I became aware that this was not the case. I called BofA using the number on the back of the card. After explaining the situation, my request for a refund of the interest charges was denied. I informed the company I would be lodging complaints with the relevant agencies. 

The more common options, that I have seen ( confirmed with XXXX account ) are " Minimum Due '', " Statement Balance '', and " Fixed Amount ''. By using less clear, factually incorrect, and ultimately misleading options, BofA created enticed myself ( and I assume others ) to select the wrong option. I am requesting a refund of all interest payments and that BofA be advised to change their options to match standard terminology. 

Interest payments to date equal are {$150.00}. I have paid off the balance of the card, including interest fees, in order to mitigate further damage. I may incur additional interest depending on settlement and payment timing. This payment in no way represents a concession to BofA in this matter. 

Complaints submitted to BofA, OCC, CFPB, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am writing because I have a account on my credit from PERSOLVE acct number XXXX I have disputed this acct it came back verified and I am requesting information to be sent to me on how it was verified if that can not be provided to me i am requesting that this be deleted immediately. 
15 U.S. Code 1692g - Validation of debts Failure to send the consumer a written notice of the debt
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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SELF / LEAD XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX, XXXX XXXX XXXX & XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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, XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX37 ( 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received two unsolicited Navy Federal Credit Union Visa credit cards. I have never at any time had contact with Navy Federal Credit Union for any reason. 

In XX/XX/XXXX I received a letter indicating that a checking account and a savings account had also been opened in my name. I called Navy Federal, filed a fraud report ( attached ) and was told that the issue would be resolved and the accounts removed from my credit report. Navy Federal informed me that nothing had ever been charged to the credit cards, a nd no checks had been written on the checking account. 

In XXXX of XXXX I checked my credit report and the credit card was still showing, with a balance of roughly {$12.00}, and a note that payment was over 30 days late. It had a very deleterious effect on my credit score. I called Navy Federal again and tried to work through this issue again. It seems that Navy Federal had charged the {$10.00} to the credit card account to expedite shipment of the credit cards I never applied for to me. 

Today, XX/XX/XXXX, I received two collections letters from Navy Federal dated XX/XX/XXXX and XX/XX/XXXX. One informed me that this fraudulent account was now 60 days past due and that it was an attempt to collect {$12.00}. The other informed me that because I had failed this debt I never contracted or incurred, my credit card interest rate was being escalated. 

Navy Federal has, since XXXX, been supposed to provide me with documentation that this issue has been resolved. Other than these fraudulent dunning notices, I have received no communication from them at all. I have requested copies of all communications, internal and external relating to me and these fraudulent accounts, and been given nothing at all. I requested that all record of me be removed from Navy Federal 's system, including name address, and all identifying numbers and been stonewalled on this as well.

Navy Federal has behaved recklessly in allowing these accounts to be created without verifying the identity of the person requesting them. They behaved incompetently in  addressing what is a purely internal problem. I have been treated from beginning to end as if I were the problem and it is clear that their business convenience is far more important than redressing injuries their carelessness causes innocent parties.
Product: Credit card

I use Care Credit for medical needs, when using there automated system for an increase it did not mention a HARD credit inquiry to my credit report. If I had known that I would not have asked for a credit line increase. I contacted Care Credit who works with XXXX and they will not remove the Hard inquiry from my credit report after speaking to them numerous times. There automated credit line increase should have stated there would be a hard inquiry but did not. I had been a member of them for several yeas. I know when you first sign up there in an inquiry but not when you are asking for an increase which is normally based on how you pay and they are required to notify you of a hard credit inquiry which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine fcra violations : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Open. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$26000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
AUTOMATED COLLECTIONS Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status XXXX account. {$300.00} past due as of XX/XX/XXXX. 



XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$26.00}, XXXX written off. {$24.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$24000.00} Balance updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a mortgage process and got a copy of my FICO report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.
Product: Mortgage

Select Portfolio Servicing ( " SPS '' ) has " illegally collected and illegally kept over {$10000.00} in Escrow Deposit Account '' to pay for my property taxes and my property insurance, but the said Escrow Deposit Account do not exist anymore and Select Portfolio Servicing ( " SPS '' ) did not pay a dime. This is a CONSUMER FRAUD.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
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. 
XXXXXXXX XXXX XXXX  account number xxx ***, 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 instruction
Product: Student loan

A couple of months ago I contacted American Education Services and I asked them if they could work on changing my payment plan. My wife just had XXXX and we are struggling to make all of our monthly payments. They told me that I've used up all of my forbearance which was when I first got out of school during the recession. Since then I've been paying close to a $ 900+ per month for about a decade which has not been easy since I have another student loan payment of {$1200.00} with XXXX. They told me that their is nothing that they could do and that they were not willing to help me in anyway. I've tried going to other companies to see if I could consolidate my private student loans but no one out there will touch it. The other interesting little fact is after all of this time I still owe roughly what I borrowed. So I'm stuck and I've been stuck with a variable interest rate. So after that discussion I decided to cancel my auto payment which is frustrating because now it is effecting my credit score and my parents since they are co-signers. 
The last thing that AES decided to do, is this month they ended up taking money out of my bank account after I cancelled auto payments. I went and double checked to make sure on their website that I cancelled auto pay and that I removed my all of my bank account information which I did. " AES '' decided to switch it to a direct debit without my consent. This seems illegal to me. 
These Private student loans have been an absolute nightmare for me and my family. The biggest mistake in my lifetime has been borrowing money for college ( Private Student Loans ).
Product: Debt collection

On XX/XX/XXXX, Linebarger Goggan Blair & Sampson, LLP contacted me via letter in an attempt to collect an alleged from XXXX that is not owed by me. I requested proof of the alleged violation from Linebarger Goggan Blair & Sampson, LLP, and they failed to provide proof of the alleged violation, but are continuing to attempt to collect the debt.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$440.00}.
Product: Debt collection

looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr, Inc. conducted two background checks of me for XXXX XXXX XXXX XXXX. I looked at the one from XXXX & it gives information going back as far as XXXX. The one for XXXX 's goes back as far as XXXX. I got this information today XX/XX/XXXX. Due to this information XXXX 's denied me a chance to work for them. My understanding is that the background check should not go pass 7 years!
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : 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: Debt collection

I contacted the company to get the account information & the information about the debt telling them that the account was fraudulent & it wasnt mines but sent to collections currently couldnt even provide me with any details dealing with the debt. So that was a red flag for sure.
Product: Credit card or prepaid card

I was solicitated by a company based out of California called XXXX. This is what a representative of XXXX said in a voice mail left to me. " Your student loans can be forgiven. Hurry and call back because it's a first come first serve basis. '' When I called the representative for XXXX claimed they could help me with my student loans. 

Because of the Pandemic and my being unemployed I was worried as to how I was going to make the payments on my loans. On XX/XX/2021 I signed an agreement with XXXX. They agreed to do the following for me. This was on page 6 of the agreement I signed. 

Scope of XXXX XXXX XXXX Hereinafter referred to as XXXX XXXX  representation of Client ( XXXX ) is limited to the following services : Service ( s ) : 1. Loan ( s ) will be placed on hold for 3 months on an administrative forbearance while processing your student loan consolidation XXXX no student payments are due during this time ) 2. All 6 loans will be consolidated into one account, resulting in less interest accrued. 
3. Lower interests and one payment will be applied under the Revised Pay As You Earn ( REPAYE ) program. 
Service Agreement Client Signature I hereby confirm and authorize this Service Agreement with XXXX XXXX XXXX and all guidelines and restrictions set forth herein : Client Name Client Signature Date XXXX XXXX XXXX SIGNATURE } { SIGNDATE } Everything listed on page 6 had already been done as of XX/XX/2021 by the Federal Government when they passed the Cares Act. XXXX was claiming they were going to provide a service that the Federal Government had already provided to folks who already had federal loans. 

In my agreement with XXXX I agreed to pay {$110.00} cents over a five month period. The payments would be made with my Chime Debit Card. I made two payments to them with my Chime Debit Card when I discovered that XXXX had falsely claimed they had provided the services I listed above. I immediately requested payments to stop, and a refund of the two payments I had made of {$110.00} be returned to me. XXXX stopped payments, but refused to return the two payments I made. They claimed they were charging me for paper work they had to do on my behalf. I made several requests for copies of the paper work that had been submitted on my behalf, and they continually ignored me and sent nothing. 

Because my wife is the card holder of the Chime card that was used, she lodged a complaint with Chime explaining why we were trying to recover the two payments made to XXXX. Chime could not recover the two payments made to XXXX. 

My claim comes down to this. XXXX did not provide the service they claimed they would per page six of the agreement.