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

My account with EQUIFAX 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 reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX 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 card or prepaid card

Credit card account was closed without notice, or legitimate reason. Chase not providing a reason for account closure, nor the opportunity to reinstate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was contacted XXXX  email by XXXX credit report that my credit score went down. I logged in and seen I had 2 late payments XXXX 30 days and XXXX 60 days. I reached out to citibank on XXXX XXXX I spoke with a team member XXXX from kentucky of citi bank her member Id was XXXX. I explained to her I never got statement 's for XXXX, XXXX, XXXX. XXXX then said I signed up for statements online and thats why I have not received Cc statements. I told her how is that possible if I signed up for online statements since XXXX and all that time more then 6 months I was receiving paper statements in the mail which I have, not only that I never requested online statements, XXXX response was that im the only one with access to change the paper mail statements online. I told her that I never even sighned up online for an account so how is that possible, besides that I was receiving statements by mail since XXXX and all the sudden I stopped getting them by mail and I thought I dont owe any money. XXXX put me on hold for 15 minutes to conduct her investigation and came back on the line and informed me after her investigation there was a glitch in the system and she will remove the to late payments from my credit report. After a while I called in to citi bank and I was told that my request was denied. I was assured by XXXX it would be removed!,
Product: Credit card

Today, XX/XX/2024, in my efforts to purchase an XXXX for my husband through Amazon I decided to take advantage of the advertisement to open an Amazon Prime Visa through Chase bank to take advantage of the 12 month interest free payments. 

The advertisement clearly states : " interest-free UPON APPROVAL. '' As advertised I received immediate approval. However, when I went into my Amazon cart to check out, the new card showed up with only the last four digits of the account number and I was instructed to enter the entire credit card number for verification. Clearly, I dont have a card in hand that I had only moments ago been approved for. I contacted Chase and was told they could not provide me with the whole credit card number. I would have to wait approximately XXXX  days to receive the card before I could complete the purchase.

Therefore, the whole object of applying for the card to take advantage of the advertised ( 15 second approval ) and to immediately complete the purchase was based on a fraudulent representation. It was a mere ploy used to get me to apply for a card I did not need except for the interest free period advertised.

I instructed the Chase representative to cancel the card. Now I am left wondering if this approval and instant cancellation will cause a problem with my stellar credit score?

This advertisement on Amazon is clearly fraud committed to entice opening of a Chase card for their own gain but certainly not for mine.
Product: Vehicle loan or lease

I applied and received a loan from Wells Fargo auto ( XXXX XXXX XXXX ) on XX/XX/2020, that included Gap Insurance. Prior to the first payment due on XX/XX/XXXX, I canceled the Gap insurance on XX/XX/202, contacted the dealership, received the cancellation information.. Was told that I would receive a refund of the remainder Gap insurance that had been financed into my loan. I recently transferred the loan to another financial instition and am paying Gap insurance and paying interest on the Gap insurance financed by Wells Fargo. As of today 's date, I have not received the refund or any other information regarding my refund. Contacted XXXX XXXX XXXX Several times by email and phone. Contacted Wells Fargo several times by phone.
Product: Checking or savings account

On XX/XX/XXXX I received a text stating it was from the Bank of America and asking me if I had authorized a withdrawal on my account. I responded no. About 5 minutes later my phone rang and my caller ID said Bank of America, so I answered. A man on the other line said he was from Bank of America calling because someone was attempting to take money out of my account through XXXX. He said he would help me reverse it so that they didn't take my money. He had me go in and send the money supposedly to myself. I followed his instructions and when it was done he actually hung up on me. So I immediately checked my account on my mobile app and the {$3500.00} was gone. I immediately called the number back and connected to Bank of America where I told a young woman what had happened. She said I had been the victim of a scam and that the money was gone. I told her I was on vacation with my grandson and that the account was now empty. She said she would expedite the request to have the money returned to my account while they investigated. She said it could be there in 10 days and to call back if it wasn't. She said it could take 10-45 days though since I called so quickly I should have it in 10. Well, I didn't so I called on the 10th day and spoke with the bank and the woman I spoke to said she would send an expedited request for it to be returned and I could check again the next day though I would likely have to wait 10 days. So still no money and in the meantime I'm having to use my credit cards to pay for things. Then I called again and was told basically that the people who previously had told me I would get my money didn't understand the process though I definitely would get my money back because of how I had been scammed and that she would put it through because she had done it for several people who had been victimized in the same manner. She told me I would have my money on XX/XX/XXXX at the very latest. We were speaking on XX/XX/XXXX. So I called again on the XXXX  when there was no money and they said I wouldn't be getting my money. They would not tell me why nor would they give me anyone to talk to who would. I called again on the XXXX and spoke with several people. I was passed along from one to another. I was told the persons making the decision about my money had no name or contact info available. I was told that they were waiting on the person who received the money to return it and that would be the only waybI would get my money. I asked if they were actually asking me to believe that a criminal was going to give back the money they stole just like that? It was unbelievable. They tild me it was my problem the money was gone and that I signed paperwork stating I would only send money to people I knew and trusted. I said I did. 
He said you were talking to someone you didnt know. I told him I am now as well. He was super rude and condescending and he then hung up on me.
Product: Mortgage

I had placed the mortgage in forbearance, once things returned to normal I removed forbearance and asked for a restructure to move one " missed '' payment to the end of the mortgage. This has been approved. I was told the only option, as a result of the FHA mortgage, is to have new papers signed which need to be notarized. This is of course no problem, I asked if they could be e-mailed or faxed and I was told that they " needed originals '' so they had to be sent to the notary service from them ( this doesn't make sense since they become originals once they have my signature, there is no signature on the papers that are sent from the loan company ). The lender is requiring that I work with their mobile notary, the request was put in on XX/XX/XXXX however no one has contacted me. I have reached back out to the lender and have been told that it may be another 2-3 business days before they contact me, am I willing to wait? Do I have any choice? Not really. This is preventing me from doing a debt consolidation loan with another lender because they want to see that I'm not in default, but I can't produce that paperwork without this being completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. 

I dont understand why you put this negative information on my account.
Product: Checking or savings account

PNC has suspended my access to my bank statements. As a result, I can not identify the considerable and unwarranted bank charges levied on my account by PNC. These charges levied by PNC are directly responsible for negative balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX  / XXXX  XXXX Balanced Owed : {$0.00} XXXX  XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX Balanced Owed : {$7400.00} XXXX  XXXX  XXXX Balanced Owed : {$49.00} XXXX  XXXX Balanced Owed : {$870.00} XXXX  XXXX Balanced Owed : {$2600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2022. The investigation began on XX/XX/2022 and it's been well over XXXX  days and I still haven't heard anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian has XXXX  days to respond to my dispute. This is a violation of my rights.
Product: Debt collection

Company called my employer regarding me, and left a message identifying them as a debt collector.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I wrote to Experian and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( XXXX  ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Account XXXX : XXXX XXXX XXXX XXXX BANK XXXX XXXX Account XXXX : XXXX BANK / XXXX - Account XXXX : FIRST PREMIER BANK / XXXX Account XXXX : XXXX / XXXX DC / XXXX Account XXXX : XXXX FCU / XXXX Account XXXX : XXXX FCU / XXXX Account XXXX : XXXX APPLIANCES/ XXXX
Product: Payday loan, title loan, personal loan, or advance loan

TitleMax issued me an illegal high-interest title loan and repossessed my vehicle and I am a dependent of an XXXX XXXX military service member. They violated the XXXX lending act and my rights. Charged me 100 % interest and when I fell behind on XXXX payment they repossessed my vehicle leaving me and my newborn with no transportation.
Product: Debt collection

Telerecovery contacted me about several hospital bills. I asked for them to send me a itemized bill and the specific dates. They explained to me that they didnt have an itemized bill just a amount was submitted by a physician. I didnt feel comfortable paying for something without proof. I go on to tell representatives that without proof, I wont pay them over the phone. The representatives began to say how legal action will be taking against me. But they can lower the amount owed if I agreed to pay them today.
Product: Credit reporting or other personal consumer reports

I've been reaching out to Navy Federal Credit Union in regards to reporting my utilization, which is a violation of Title 15 Usc code 6802. Navy Federal Credit Union is violating my rights as a consumer by not giving me the option to opt-out. Navy Federal CU never provided the opt-out disclosure to me, which is their clear obligation to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, Account # 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Someone charged XXXX dollars on Dell account. Dell financial was changed to Dell pay. T he day i registered with them my account was charged for XXXX dollars by someone else. I have reported it to Dell and placed fraud alert on all credit unions but recieved notice fromtransunion saying they investigated and found it right. That is not my charge and i will not pay it. I only owe a little over XXXX dollars. The person accsess my account in XXXX.
Product: Credit reporting or other personal consumer reports

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

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXX  Account number : XXXX Balance : {$890.00} XXXX XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$2900.00} XXXX XXXX Account number : XXXX Balance : {$800.00} XXXX Account number : XXXX Balance : {$2700.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$520.00}