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

I am reaching out to XXXX XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that 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. With this being said, please show proof where my periodic statement was sent regarding these one late payment. If a periodic statement can not be sent showing where this late payment occurred, please do your due diligence to update these one late payment. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Product: Debt collection

Insurance not billed at time of service - failed to bill insurance, although it has been provided - did not complete paperwork with insurance provider to cover services, although they would have been fully covered with a {$0.00} copay - being billed {$200.00} for office visit that should have been covered - insurance provider has written to doctor 's office saying the debt is not owed
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX of the XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of Wells Fargo Inc. due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate.

Wells Fargo Inc. has failed to properly remedy and investigate this matter.
Product: Checking or savings account

On XX/XX/XXXX my Citi Bank Access Account was charged two separate transactions of {$120.00} and {$120.00} from a XXXX in XXXX, CA. These transactions were not made by me, nor were they authorized by me. I have never in my life been to the city of XXXX, and can assure that these transactions were not made by me. After submitting a claim with Citi Bank on that same day, I was told that the second transaction of {$120.00} was not approved due to insufficient funds. Weeks later after checking my records, I realized that the transaction was in fact approved. I received notice on XX/XX/XXXX that I will not be reimbursed for these transactions, reasons being : You informed us that your Citibank Banking Card has not been out of your possession Both your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals The activity appears to be consistent with your normal banking activities After reading this letter, I called Citi Bank customer service and was heavily doubted by the representative when I assured that the transactions were not made by me. The agent asked me questions such as Youre sure youve never been to that XXXX? After answering that I have not, the agent made comments such as, I dont know. This agent was being very disrespectful and was implying that I was responsible for these transactions. At the end of the call, the representative told me to Go back to my own country.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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

XXXX has sent me around XX/XX/2022, to what I believe is a false judgment against me. I was never served. The letter I got in the mail was not from an actual court. In it had collection relief companies to try and fix it. Since then, I have had random phone calls and random letters from debt collection attorneys " trying to help. '' I responded to the alleged judgement and never heard anything back. Then today, I officially got served. It is my understanding that a fake judgement is coercion by using fear and illegal to try and make me pay a debt to avoid court and other legal issues for the future. So, they falsely gave me a judgement that they did not file yet. So, it was a fake judgement to avoid the real judgement. The file I sent was the only thing I received in the mail prior to the actual legal judgment. The actual judgment was served to me XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I looked at my credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

PNC will not allow me to link my account with a 3rd party of my choice.
Product: Credit card or prepaid card

Follow-up to complaint : XXXX. Was issued card, with damaged number. Company stated that they would send replacement card. Was not provided card. Refused multiple emails to customer service. Initiated complaint XXXX with CFPB in XX/XX/2023. Was informed on XX/XX/2023 a replacement card would be sent within 7-10 days. Company mislead consumer and CFPB with resolution, as no card has been issued, yet again.
Product: Bank account or service

I am a patient of a XXXX in XXXX Oregon and needed some XXXX performed. The XXXX provided me with a credit application and I was approved. I did not know that it was an application for an outside agency called CareCredit / Synchrony Bank, but rather, I was under the impression that it was the XXXX office line of credit not a credit organization or banking institution. I was issued credit and never was informed that it was through a bank or credit agency. I have been paying payments in the amount of {$85.00} up to {$100.00} at the rate of 26.99 % interest in the unpaid principal. Of my payment of {$85.00} or {$100.00} only {$3.00} is being applied to the principal. At the rate of 26.99 % interest I will never get this bill paid. I feel that I was misinformed by the XXXX office that I was applying to an outside agency for credit, and then once the XXXX worked on me I have this unpaid balance on credit that will never be paid off in my lifetime. I believe this is unfair business practice by the XXXX and unfair business practice by CareCredit/Synchrony Bank for over charging of interest on the unpaid balance.
Product: Checking or savings account

BMO N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX  My complaint is regarding BMO. My mortgage is through Bank of the West and in order to reduce my mortgage package rate, I agreed to open a checking and savings account. I worked with Bank of the West to open an account that did not have any sort of fees or minimum amount required. I'm using these accounts solely for the purpose of my mortgage. I also had to fight to get paper statements from BMO when Bank of the West always offered paper statements and now I'm seeing a service and maintenance fees associated with the checking account. 

On XX/XX/ I was charged a service charge for XXXX XXXX and again on XXXX XXXX XXXX XXXX maintenance fee. I contacted the BMO representative and he said they will not change the service or maintenance fees.
Product: Payday loan, title loan, personal loan, or advance loan

I went inside the First Bank at XXXX XXXX XXXX, XXXX, in XXXX, Tennessee, on XX/XX/year>. I sat down with XXXX XXXX and asked him questions concerning secured loans, credit lines, and personal loans. My intention was to obtain a personal loan or a line of credit, but instead of suggesting any loans or making any offers, he simply said that the firm they are loaning through is not a reputable one and that my best option would be to work on establishing my credit in a year. I'm complaining because I never asked him for a lengthy or line of credit, and he believed that my credit score was what I was talking about.
Product: Money transfer, virtual currency, or money service

I got scammed because Coinbase did not provide stringent security measures to prevent it.
Product: Bank account or service

Bank of America sent me a notice via US mail and in my account that if I opened up a qualifying checking account and set up and received a qualifying direct deposit totaling {$4000.00} or more within the first 90 days of opening the account by XX/XX/2017, I would receive a {$300.00} Checking Account bonus. The details go further to state, " If you meet all the Requirements to Receive the {$300.00} Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. '' I reported to them that I met the qualifying factors as of today XX/XX/2017. A BOA representative then informed me I have to wait the entire 90 days then 60 days thereafter and that is not what the promotion states. I have met the requirements WITHIN the 90 days as required and expect the {$300.00} payment 60 days from this aforementioned date, now they are telling me they are not going to honor the offer they made ( which I still have in writing and digital copy ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting

I have submitted a written request to Equifax, asking them to remove the consumer statement I added seven years back. The company ( XXXX ), which I was disputing, is no longer disputing. This fact makes my old consumer statement irrelevant therefore incorrect.
Product: Credit card

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Product: Debt collection

I was on a lease to own purchase for a bedroom at during XXXX XXXX. I had to abruptly leave the state and asked to return my bed. XXXX credit approved the return but I didnt have a truck and the company that I brought the bed from refused to pickup the bed. XXXX then allowed me to donate the bed and I did drop it off at good will. They then sent this to a collection agency that is now hurting my credit and preventing me from getting a house. I have an email attachment from XXXX approving the donation so this is not a valid debt.
Product: Debt or credit management

I would like this off my credit its over 2 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

There a a student loan from 1986 i was only XXXX years old and I was n't even informed about this loan. I signed something that I was n't even sure what I was signing I do n't recall going to that school for a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is furnishing fraudulent information on my consumer report. XXXX XXXX XXXX Alleged account number XXXX. Ive brought this to their attention several times with no success, they have yet to furnish any supporting documentation that this belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.
Product: Consumer Loan

On XX/XX/XXXX my son bought a car from Honda, which I co-signed. His first payment was n't due till XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX his payments were on time. As of XX/XX/XXXX he started missing payments, NSF & late fees started being assessed. I did not find out about the NSF 's until XX/XX/XXXX. My son was feverishly trying to catch up. I took over the account in XX/XX/XXXX after having brought the account current with only {$100.00} late fee due as of XX/XX/XXXX ( per my calculations ). Per my calculations, the payment of {$500.00} made XX/XX/XXXX was an overpayment. Even if they would had taken the {$100.00} out of this payment I still would have had an overpayment of {$390.00}. Everytime I call Honda Customer Service the reps summarily state " there were NSF 's and late fees. '' No one seems to be able to go over the transaction history line by line to discover the error. I 'm a month ahead at this point. I need a competent person with accounting background to go over my transaction history line by line ( simple adding & subtracting ). 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX ML XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone gained access to my chime account and withdrew all of my funds. I didnt authorize this. My income tax was deposited and fraudulently deducted
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Credit reporting or other personal consumer reports

When I called the Bank of America to close my credit card accounts ( one ending in XXXX and the other ending in XXXX ) they reported on the XXXX account that it was closed by consumer but on the XXXX have not changed the closing comment from Closed by XXXX XXXX to Closed to consumer. On XXXX I entered the local branch of Bank of America on XXXX XXXX in XXXX, Ohio who spoke to a credit card customer service representative in their financial center about the issue who insisted my previous complaint was closed and that the issue was the credit reporting services. The XXXX XXXX XXXX stated it was the bank that reported the information incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, XXXX  and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either XXXX, XXXX  or Equifax.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have exceeded past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information that can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX  and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and XXXX XXXX!!
Product: Credit card

I received a notice that my available credit balance had been cut in half. When I called to inquire what had occurred, I was simply referred back to the notice, which stated that the company was using data reported to XXXX from last XXXX, but did not consider that significant changes might have occurred since then. 

I requested that the " periodic evaluation '' be considered adequately and with due diligence, if it was going to be done, and was informed that such was beyond the scope of what the customer service agents were capable of doing. The best I could hope for was to request a balance increase with the soft credit check that would trigger, which was one of the secondary issues, too many credit checks listed. 

I informed the agent that any company that was incapable of honest business was incapable of keeping me as a consumer and to close my account. I am solely informing the CFPB as a courtesy and to alert other consumers to the dishonest methods and outdated data the Synchrony Bank uses to defraud their customers and deny them credit balances.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH 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 XX/XX/year> and XX/XX/year> 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: Debt collection

A debt validation request was sent to them directly XXXX of XXXX and again on XX/XX/XXXX and they failed to respond. I also disputed it with all 3 bureaus and it still remains. I have never done business with XXXX XXXX or attended their school.
Product: Mortgage

CHASE FINANCE HAVE CHARGED ME XXXX FOR MY PROPERTY TAXES FOR YEAR XX/XX/XXXX/XX/XX/XXXX AND THEY OPENED AN ESCROW ACCOUNT AND NOW I`M STILL PAYING FOR SOME TAXES I ALREADY PAID THEM ON MY OWN AND I HAVE PROOF OF PAYMENTS, I CALLED THEM MANY, MANY TIMES BUT THEY DID NOT ASSIST ME WITH MY INQUIRES.