23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019- I was notified through my credit reporting service that Chase Bank is reporting me as late for XX/XX/2019. 

I made 2 payments that month. 
XX/XX/XXXX for {$230.00} made over the phone. 
XX/XX/XXXX - From email from Chase advising me the payment posted. 
I did not notice For some reason the payment never hit my bank account. I did not notice {$230.00} still in my bank account. 
Chase failed to alert me the payment did not go through. 
They have a messaging system through the app and as of today, there is no messages about this payment. 

I paid them. Not sure what they did with the payment information. I pay every month the same way and never had an issue.
Product: Payday loan, title loan, personal loan, or advance loan

Paid off loan XXXX on XX/XX/2023. Have email proof from Affirm and XXXX XXXX. Today XX/XX/2023 Affirm claims I owe them money. I have proof I paid this loan and absolutely will not pay a dime more. Expecting this to be removed from my account immediately.
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 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: Credit card

XX/XX/year> I got in the mail XXXX envelopes directed to me. When I opened I found XXXX credit card from amazon chase in each envelope. Each card has a different name on it. 
I called to the bank and they said that they are going to take care of it. And told me to destroy the cards. 
But I returned to the bank and they destroyed it.
Product: Credit reporting

Per my XXXX XXXX XXXX Tracker, TransUnion reported my account delinquent for the amount of {$59.00}, which is incorrect. Please see my current Credit Activity as of today XXXX/XXXX/2016. This information needs to be corrected immediately! 
XXXX is not reporting their information adequately to the credit bureaus!
Product: Credit reporting

Experian has failed to correct information in my credit report pertaining to XXXX XXXX XXXX. I have submitted disputes in several occassions along with documents to that sustains my disputes with no avail.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX submitted identity verification materials to BinanceUS and was able to fund account via transfer of crypto from another exchange. While the fiat currency identity verification was pending, I was able to begin trading using the crypto funds that had transferred in and continued to do so without issue until the week of XX/XX/XXXX when all trading capability was locked along with my ability to withdraw my USD balance. Tickets to company attempting to resolve the problem have gone unanswered. There is no way to contact them. Their XXXX page @ BinanceUS is full of similar complaints. They are stealing people 's money
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : 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: Credit reporting, credit repair services, or other personal consumer reports

On receiving my consumer report, I notice several accounts reporting inaccuracy with open accounting, collections, late payments, charge off, and installments accounts that I have no full knowledge of. I've written to all three reporting agencies, XXXX, Equifax, and XXXX. After 47 days it's still no response from these reporting agencies. 

It's why I'm asking the CFPB to conduct an investigation to my complaint. I'm requesting that these reporting agencies provide verification on these inaccurate accounts listed below, or obtain a copy of any judgement, or name and address of the original creditor. To verify accuracy or establish reasonable proof that I am the legal owner of the alleged accounts that's reporting inaccurate information to my consumer report. 

Accordance to the FCRA, these reporting agencies has violated my rights with these inaccuracy reporting to my consumer report. When these agencies must maintain the utmost accuracy, and they have failed to maintain the accuracy, which breaches the mandates of the FCRA. 

I request the CFPB to require these reporting agencies to verify these alleged debts of late payments, change off, collections, and installments accounts, while including forms and conditions or purchases .or installment agreements that will or can validate the maximum accuracy to support why these activities has and is compromising the accurate and integrity to my consumer report. When I never received validation of debts nor notices or any initial communication. 

I request that if these reporting agencies fail to verify any accuracy to these accounts to the FCRA mandates. I wish that these inaccurate accounts be deleted and a update be reflected to their true status. 

These inaccurate accounts has violated my consumer rights. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Under, 15 USCS 1666b ( A ) Time to payments Under, 15 USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

Under, 15 USCS 1681 ( B ) Reasonable Procedure Under, 15 USCS 1681a ( A ) Definitions ; Rules of Construction ( 2 ) Exclusions ( A ) Any ( i ) reporting containing information soley as to transaction or experience between the consumer and the person making the report.

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports.
Product: Credit reporting or other personal consumer reports

Ive noticed some fraudulent inquiry on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Date** TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Formal Dispute of Incorrect Transaction Demand for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of a transaction reported on my credit file. This reporting violates my rights under **15 U.S.C. 1681i ( 7 ) **, concerning what the procedure was that they used to validate the information.

The transaction in question is as follows : - **Creditor Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX Under this statute, consumer reporting agencies are restricted in how they may use and disclose consumer information. If a transaction is not associated with a permissible purpose or is otherwise unverifiable, it must be promptly excluded from my file.

Additionally, the precedent established in *Dalton XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), supports my demand. In this case, the court emphasized the importance of strict adherence to the permissible purposes outlined in the FCRA. Any deviation from these requirements constitutes a violation of federal law. 

Accordingly, I demand the immediate removal of the disputed transaction unless TransUnion can provide documented evidence of its accuracy and a permissible purpose for its inclusion. Failure to comply will result in further legal action to protect my rights under the FCRA. 

Please respond in writing within the statutory time frame. I expect either confirmation of the deletion or a detailed explanation of the evidence and permissible purpose relied upon. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I was stationed in XXXX XXXX with my family and Navy Federal froze our account for almost two month without telling us, when they finally released the hold on our account we were in serious debt. They were allowing all funds to be deposited but was n't allowing any funds to go out. When my Wife went into the Branch Office they told her that a third party requested a hold. She asked them why she was n't informed and she was told that they did n't have to. I called from the XXXX and was told the same thing. During the time our account was locked we accumulated a lot of late fees on all our bills. We were out of food at the house, the lights got cut off which lead to my Wife and kids depending on friends. It also lead to the borrowing of fund from our friends for gas money, food, health product etc. My XXXX was contacted constantly for non payment. We still have overdue bills that are outstanding because we were never able to catch them up due to all the late charges. We lost one Time Share Property due to this incident because we was never able to recover. My Wife developed XXXX and XXXX symptoms from all the stress this incident was causing which she is still suffering from and is currently on medication for. She was never able to go back to work which negatively impacted our finances, shifting our debt to income ratio in a way where we had more debt going out than income coming in. I was out to XXXX for two months with no money to buy the basic necessities need for XXXX life which affected my performance standards when it came to uniform and grooming.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the list of accuracy below has violated my federally protected consumers rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 written instructions 15 U.S.C 1681c states no consumer agency reporting may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I have a Chase MileagePlus credit card, and Chase claimed that it offers trip delay insurance, but Chase has not honored its commitment to the user and repeatedly disconnected my calls to its customer service line. 

On XX/XX/, I submitted a claim on the website ( XXXX XXXX XXXX  ) as directed by instructions on Chase website. The website states that I should hear back within 5 business days. 

On XX/XX/XXXX, I have not heard back so I called its customer service line XXXX to ask, and was told it would take another 5 business days with apologies. 

On XX/XX/XXXX, I still have not heard back so I called again and was told it would take another 5 business days. 

On XX/XX/XXXX, I still have not heard back so I called again and someone tried to connect me to an examiner. After more than an hour of waiting on the phone, I was connected to someone, and 2 seconds later, the customer service represented disconnected my call without an explanation. 

On XX/XX/XXXX, I tried calling again. First at around XXXX PT. After 10 minutes of holding, I was connected to someone. After hearing my complaints, the customer service representative abruptly disconnected my phone call without an explanation. 

One important reason I chose to hold the Chase card and pay an annual fee and use it to pay for my flight tickets is this special trip protection. If Chase does not plan on actually processing claims, then it is definitely a false advertisement.
Product: Debt collection

XXXX XXXX, a collections company, has been calling my business after have been advised multiple times to cease calling my company. The person identifies himself as either " XXXX '' or " XXXX '' however they are the same person. There is a dispute between how much I own XXXX  XXXX and XXXX XXXX is attempting to collect the debt. My administrative assistant has advised them to cease all calls to this office. They continue to call using threatening language. I have recordings of all calls. See below times and dates : From : ( XXXX ) XXXX NA Today XXXX Phone Call Accepted XXXX Voice To : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX VoIP Call Call connected XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Wed XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Mon XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Accepted XXXX LegalPrivacy XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX. 
All rights reserved. XXXX and the XXXX logo are trademarks of XXXX, XXXX.
Product: Credit card

Ive been a victim of IDENTITY THEFT, my Identity has been compromised, in the event several accounts were opened in my name ruining my credibility as a consumer and damaging my reputation. 
XXXX  account opened using my information with out my knowledge nor consent with company XXXX the account has been sold to collection agency by the name of AMSHER COLLECTION SERV Original creditor XXXX Date opened XX/XX/2024 Account # XXXX Balance {$2900.00} This account is in result of identity theft and I have no recollection whatsoever of this loan This account is FRAUD AND DOES NOT BELONG TO ME
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelle 's handling disputes.Particularly in light of recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Score Decrease Your XXXX  Score has decreased by XXXX points. 
XX/XX/2023 Bank XXXX Credit Card Inquiry FNB OMAHA got a copy of your XXXX Credit Report. 
XX/XX/2023 They sent me a Pre-Qualification then denied me. I told them on the returned application they sent me that for denying me after sending me a pre-qual that you had better not have done a HARD pull and my score best not go down. Well both did, the score went down and theres a hard pull that will be there for 2 years. This needs to come off of my credit report. They have denied me with there own PRE Qual. I would have never applied if I had known they were going to XXXX XXXX XXXX. This was the 2nd time they had done this to me. I only apply to pre-quailfied credit cards and never have a problem. My score was XXXX before they dropped me down and put a HARD PULL that will be there for 2 years after getting denied ... .THATS WRONG! please help thanks
Product: Credit reporting or other personal consumer reports

I am directing this formal complaint to you with the expectation of immediate removal of the following fraudulent inquiries from my credit reports at Equifax Credit Bureau within a 15-day period : EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the removal of incorrect accounts from my credit report. Would you mind checking the documents? Some of the listed accounts contain inaccuracies in their reporting, amounts, and dates.
Product: Debt collection

Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wrongly having my information towards my experience and transactions please see attached letter for further details
Product: Debt collection

I am requesting that this claim be removed from my credit report. 
I never received documentation on this claim from Mutual Management. I have XXXX debt collection agencies requiring payment for the same claim originally made in 2010 and sold to Mutual Management SR by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM originally made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued Mutual Management SR seeking documentation on the claim. These are the steps I have taken with Mutual Management SR : 1. I have not received any documentation on the claim from Mutual Management SR, they are required to send me documentation of the details of the claim made. 
2. I called Mutual Management SR home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was sent to me. 
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation on claim XXXX or to remove the claim from my report. No documentation was sent to me. 
5. I contacted XXXX XXXX XXXX over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. 

The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. I have never agreed to this collection claim. 
The original claim made by XXXX XXXX was erroneous and XXXX XXXX XXXX was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
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. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX self-Reported # XXXX, account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX  # XXXX, account name : XXXXXXXX XXXX  # XXXX, accoutn name : XXXX XXXX  # XXXX, account name : XXXX XXXX # XXXX, account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXXXXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

I have seen a lot of fraudulent charges on my account and have tried to fix them regardless of responsibility, I paid Diversified adjustments for a XXXX  charge that want mine then it was removed from my credit then placed back on it months later I have the digital receipt that was sent to me and they still havent removed it after I explained to them I have a receipt and sent them documentation required to prove it