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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

XXXX. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

My account was blocked because they stated it saw suspicious activity I called gave them my information to verify me. They stated they needed my ID I asked to speak to the fraud department. They stated to me that the fraud department do not accept phone calls. I even provided them with the checking and routing number that I use to pay my monthly bill.
Product: Debt collection

Company Reporting to my Credit as owing XXXX Dollars this is a result of someone using my name
Product: Mortgage

XXXX did not provide information regarding the amount of property taxes on the 1098. Their phone system will not allow for me to speak to a live individual. The web site does not allow for me to print 1098.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I dont recognize on my report such as 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: Debt collection

COLLECTOR AND ILLINOIS DEPT OF REVENUE ARE VIOLATING FDCPA AND FTC I.D THEFT & CFPB TITLE X. THIS DEBT IS NOT MINE AND BELONGS TO OTHERS XX/XX/XXXX-XX/XX/XXXX AND THE S.O.L. ON THIS DEBT IN INVALID TO COLLECT.
Product: Vehicle loan or lease

Starts off me receiving two different contracts for a vehicle at dealership ( XXXX XXXX XXXX. I had possession of the vehicle XX/XX/XXXX. XX/XX/XXXXXXXX  XXXX XXXX XXXX called stating information relating to contract was in correct advise me to come in redo the contract. On XX/XX/XXXX XXXX XXXX XXXX called stating that they shredded the contract advise me to come in redo the contract for the 3rd time I declined. Also on XX/XX/XXXX One of the contracts that was between me and XXXX XXXX XXXX was transfer and assigned my info to Exeter Finance LLC without my consent. Second with me knowing contract law I kno that if you owe a debt to someone a contract must be created between the parties abiding by the truth and lending act in which was violated due to identity theft as well as fraud. Also, Ive reached out more than three times with all info stating I am sole lien holder over the property and also rescinding the security interests connected with the principal. I also sent registered securities to the trustee and indenture trustee at Exeter finance LLC on how to properly handle my securities. i have recently found out that these detachable coupons of this statement that you sent me as a bill, are a way of payment. I've noticed that you send me these statements with the coupons on them you're redeeming the coupon/bond, you all are double dipping and getting paid twice, I've noticed you're doing this, but I am willing to overlook this crime ; Enclosed you will find the coupon, on the back I've indorsed it with the beneficiary signature in acceptance for payment. The company has been noncompliance. EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. " If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or stan ''. 
Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that Dealership Name willingly and knowingly took advantage of me and my consumer credit I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. 
Code {$1600.00} ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission In addition, I was given false and deceptive information 11 U.S. Code 362 - Automatic stay 11 U.S. Code 524 - Effect of discharge UCC 1-308 - Performance or Acceptance Under Reservation of Rights 31 U.S. Code 3123 - Payment of obligations and interest on the public debt UCC 3-104 - NEGOTIABLE INSTRUMENT The Emergency Banking Act of 1933 was a bill passed in the midst of the Great Depression that took steps to stabilize and restore confidence in the U.S. banking system.
Product: Debt collection

This is the third or fourth time Tate & Kirlin Associates , Inc has tried to collect money we do not owe. This time for XX/XX/XXXX account for XXXX XXXX in the amount of {$110.00}. 
Reference XXXX on XX/XX/XXXX. 

We did not contact them as we do not think it is wise. You have taken care of the previous times Tate & Kirlin has done this. 

Tate & Kirlin Associations , Inc. 
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX
Product: Checking or savings account

An individual called my daughter on her cell phone from Chase bank claimed that there was fraud on my account and they were wondering if it was her. She said no and they said they would cut off her card and send her a new one in 3-5 business days but needed to set up a new pin number. Considering the number was from the local branch she was asked to verify her old pin so they could giver her a new pin number. Chase then allowed an individual to add my ATM card to a Mobile Wallet ( XXXX XXXX ) without any verification and use it to access a Chase bank ATM and perform 47 ATM withdrawals over the course of two days to withdraw money from my account exceeding the normal daily limit of ATM withdrawals. At no point in time was my physical card not it my possession or known to be compromised. When the charges were noticed and a fraud claim was made they denied the claim for reimbursement of {$2800.00} saying that i had authorized the withdrawals. A police report was filed and Chase bank would not send the video surveillance without a search warrant to assist in identification of the individual but would only send still shots from the ATM which were very little help due to chase allowing the individual to enter the bank and access the atm located inside the branch with a hat and covid mask and proceed to make atm withdrawals for a period of 20 minutes without being questioned. Chase bank is not helpful at all at identifying the individual or assisting to get the money back because they just denied the claim so have no financial incentive in assisting address this problem or view of liability
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian previously that and error was made on my Credit Report. It is has not been removed.The error is XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ca XXXX. This is not my bill. I have never been to XXXX XXXX XXXX. This belongs to another XXXX XXXX. If you check the birthdates it is not mine. I was born on XXXX/XXXX/XXXX and I am XXXX XXXX XXXX. I also have a different Soc. Sec. Number. mine ends in XXXX. I have asked them to remove this negative item because it does not belong to me.
Product: Debt collection

Back in XX/XX/XXXXI was contacted by direct recovery service via text message and phones trying to collect a debt. The also contacted my mom and my sister regarding the debt and disclosed that info to them as well.
Product: Mortgage

I filed for Chapter XXXX bankruptcy protection on XX/XX/XXXX. At that time, my property, financed with a mortgage and HELOC with Chase, was declared exempt and my Statement of Intent declared that the property would be retained and that I intend to " Continue to make monthly payments as they become due, '' which I have done fully and on time. However, Chase flagged both accounts as " in bankruptcy '' As a result I never received any notice that the interest rate lock on my HELOC would expire on XX/XX/XXXX, so I missed the " drop period '' for setting a new lock on the interest rate. Chase is claiming that since I missed the " drop period, '' I am not eligible to place a lock on my HELOC. When I escalated this issue to the Bankruptcy Escalation Department at Chase, I was read what was described as a standard disclosure notice that sounded to me like Chase has the option at any time to close my account and proceed with foreclosure on my property. I declared that I did not give my consent to proceed and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXXXXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Are unauthorized inquiries that hard to remove from a consumer 's Credit report? The Credit Bureaus have been neglecting their duty and have failed to comply with the FCRA section 605b and continued reporting the inquiries that I never made nor authorized anyone about these inquiries. I already sent twenty-six dispute letters to the Credit Bureaus requesting that they remove these inquiries completely from my Credit file. Upon reviewing my updates, these unauthorized inquiries are still being reported on my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

Upon filing with this site moments ago regarding a different account ( of a Different party ) JP Morgan Chase Bank, NA is tying to use the other complaints issue to attempt an illegal foreclosure meaning that the last complaint should have not occurred whereas my home was illegally auctioned off on XX/XX/XXXX and the HELOC was part of it. This JP Morgan Chase Bank, NA by doing this is pushing enormous stress on me with these illegal out of the box paperwork attempts to take my home. The auction deleted the HELOC on that date and this JP Morgan Chase Bank, NA is repeatedly severly stressing me out to try and kill me knowing I have stress  related medical ailments that can take my life from me with this ongoing unrelenting abusive dirty filing of false documents into the Reg of Deeds and etc ... I should not have had to file the last complaint today, Chase should not have ever done this to me!! The auction in XX/XX/2019 deleted that previous complaints attempt to take my home. CFPB please stop them from this abusively mirage of terrorism on me. All and any alleged accounts would have been deleted voided out on the auction sale date of XX/XX/XXXX. STOP THIS ABUSE TO ME!!! THIS IS NOT A DUPLICATE COMPLAINT IT IS A COMPLAINT OF INTENTIONAL ABUSE TO ME!!
Product: Credit card or prepaid card

XXXX - XX/XX/2018 As part of the military out-processing and contractual agreement all military members XXXX travel cards have to be paid in full to in order to be closed and out-processed. Member was out-processed citibank confirmed it through XXXX XXXX finance and I was able to receive my orders to retire bank card was shredded and it was all taken care of. A year later XXXX pops up on this same account that was suppose to be closed and deleted and now it's in collection as a discrepancy towards my credit report. The member has no access to such account or ever has since the day they out-process members from the military its been a year or more that has passed. Member was fully out-processed and confirmed through citibank that all accounts were in good standings. Policy with XXXX XXXX XXXX  and Citibank is if anything monies are owed these funds would be immediately withdrawn from the members last check from the military before any monies are allocated to the retired member based on strict policy with citibank and DOD finance. This member can not held liable for a mistake or misconception that citibank and XXXX XXXX XXXX  may have made more than a year after the member has fully out-processed and been cleared from both sides that were good. Almost two years later to tell a member they XXXX into collections is alot of money without warning is wrong and is not fair policy because their is no way for them to prove that this was done by the member because they were fully out-processed and confirmed XXXX balance before they left the military base and before they fully retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote EQUIFAX numerous times. The most recent was XX/XX/2020 and XX/XX/2020 they sent no verification or verifiable proof ( i.e. : an original consumer contract with my signature on it ) of the inquiry for XXXX made on XX/XX/2020. The inquiry was not authorized and it needs to be removed. I also requested verification or verifiable proof for XXXX XXXX  AND HAVE RECEIVED NOTHING.
Product: Credit card

I filed a complaint last week but I need to add more to it now that it has been a week and I still do n't have my money back. When I first called on Tuesday XXXX XXXX I was told it would be taken care of right away, I called back on the XXXX because it was taken care of, I talked with a manager and we did a XXXX way call to verify with my bank that the money was in fact taken out twice, I was told it was a XXXX3 day proses o have the money returned. That would mean when I called thuesday it would be back by Thursday at the latest. I also called my local US bank and talked to the manager there, she said she would call herself to make sure this is rushed being it was {$12000.00} that was taken out. She then called me back after talking to someone and told me the money would be back in my account Thursday or if not then then for sure by Friday. Well Friday came and went and still no repayment of the extra {$12000.00} they took from my checking account because of a computer glitch on their end. I called customer service again on Friday and talked to another manager. I was then again told oh we are very sorry but it does n't look like the person you talked to on wed. Noted on the account that he already verified the money was taken out so we will have to do that again and we do n't work on the weekend so we will have to do that on Monday. And after they do that on Monday it will then be another XXXX3 days to process. Well it is not XXXX XXXX and I am still waiting for my {$12000.00}. The manager did call on Monday saying it was out of the XXXX department now I just have to wait for them to submit for the refund. I asked them what they are willing to do to make this right because they stole over {$12000.00} out of my account and refused to put it right back in. They said they are willing to give me a {$75.00} credit and a sorry. I told them {$75.00} does not cover the size of mistake they made and the stress it caused me of going a week missing {$12000.00}. They were not willing to do another more and said I could send a letter to take it further. I have never received such horrible customer service regarding a mistake that there company made. I should never have to wait over a week to get money that was wrongly taken from my account especially when it was such a large amount. I feel this was very criminal on their end and they need to do something much more then give me {$75.00} to correct their issue. If I would n't have been lucky enough to be able to pull money from a different account to cover their mistake I could have had many payments and things bounce back because my account would have been negitive and would not have had any funds to even live off of. Luckily I just sold my condo and had some extra money to still live on for the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX, 2022 Good day Sir or Maam hope all is well, The reason for this Is because Ive been having issues with TransUnion they keep reporting back on my credit report a Account that has been Removed by XXXX, due to me Stating that I never knew anything about that account. I spoken to the collection agency and they told me that they werent the ones that report on my credit. I need TransUnion to remove it. Because its fraud I dont recall having a XXXX account.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; I have tried to get a copy of my credit report and was unable and to suppress my information to Everyone and all agencies or businesses but was unable.

I would like a credit report as well as having all of my information suppressed for everyone please I have included a copy of my drivers license and Social Security card, but please dont allow this information to anyone Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from XXXX is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from XXXX.