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

My accounts was never late! I have had exceptional payment history with XXXX 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 to be removed/updated. 

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I received an Invoice from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, PHONE XXXX XXXX XXXX, FAX XXXX XXXX XXXX with the invoice number XXXX on the XX/XX/XXXX, in respect of shipping XXXX XXXX XXXX to XXXX XXXX and the amount due for the shipment is {$2800.00}. The banking detail information shown on the invoice is SUNTRUST BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX. XXXX, ROUTING XXXX, BENEFICIARY NAME. XXXX XXXX XXXX. On XX/XX/XXXX at about XXXX I went to SUNTRUST BANK located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX and made a cash deposit of {$2800.00} into the account information above. On calling XXXX XXXX XXXX XXXX for the confirmation of my payments, it was cleared that the invoice send to me via email has been hacked and the banking information modified. I quickly rushed back to SUNTRUST bank about this circumstances. After series of telephone conversations by the cashier who received the money from me, I was asked to come the next day which I did and nothing significant came up and I was asked to come the next day again which I did and it was that day, they said I should go to the Police for compliant. I went to the Police nearest to the bank, the officer at the counter said for the fact the I am residing in the county it 's the duty of the county police. I went to XXXX county police department and laid my complain. And this is the incident report number XXXX. I took the report to SUNTRUST bank with the hope that the report will oblige them to let me have my money back. They simply told me that they do not have the power to refund that money back to me. 
XXXX XXXX XXXX XXXX denied knowing the account information on that invoice that was send to me via their email. Please, kindly use your good office to intervene for me to enable me get my money. I have the deposit slip with me and the invoices from XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I received a scam email from someone pretending to be Bank of America New York. The email describes a large amount of money  to be credited to my account, and that they only need to confirm it with my contact information and bank account details. 

Here is the email that sent it : XXXX Below is the content of the email : XXXX XXXX XXXX XXXX. 
Bank of America. 
Branch Offices New York XXXX XXXX, XXXX XXXX. 
NY XXXX, USA. 
Vice Chairman on Investment Banking Director, Credit Control Dept. 


TELEGRAPHIC TRANSFER NOTICE We are hereby officially notify you concerning your fund telegraphic Transfer through our bank, Bank of America, New York, to your bank account, which has been officially approved by the management of XXXX XXXX XXXX ( XXXX ) to credit the sum of US {$18.00} XXXX into your bank account. 

Note that I have started processing your payment and every thing concerning the immediate remittance of your funds will be carried out within the shortest possible time from the time we received your? Below needed information. 

Also be informed that the Governor of XXXX XXXX  XXXX ( XXXX ) will sign on your payment advice and a copy of the advice will be sent to the XXXX XXXX in XXXX for some record purposes. Meanwhile your information and your full contact details were received from our research manager, XXXX XXXX on your behalf to XXXX  for immediate release of your fund This fund was part of the lodged Late President XXXX XXXX of XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, which the XXXX XXXX has decided to distribute it generously to help few lucky individuals and the American Government is in agreement with the XXXX XXXX to distribute the fund to 700 hundred thousand people in America,  XXXX & XXXX in other to help improve their businesses. 

Therefore, reconfirm the aforesaid information accurately, because this office can not afford to be held liable for any wrong transfer of funds or liable of any fund credited into an unknown account. 

These are the information we needed to be reconfirmed by you. 

1.Your Full Bank Account Details 2.Your Direct Cell or office phone to reach you 3.Your address of locations 4.Your full Name Finally, you are required to reconfirm directly to me the above information to enable me use it to process your bill of payment. 

Your quick response shall be mostly appreciated ; all your response should be directed through our alternative email address for the immediate attention of the credit control department.

Yours Faithfully , XXXX XXXX XXXX XXXX. 

Vice Chairman, Director, Credit /Telex Department . 





































, Click here to view the fund page for HonorarysI XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you no longer wish to receive email messages sent from your friends on behalf of this organization, please click here or paste this URL into your browser : XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Mortgage

To Whom It May Concern, I applied for forbearance in XX/XX/2020 due to the Corona Virus shutdown. My lender, Union Bank of California has been very understanding and easy to work with. 
I owe over {$50000.00} and have been approved for deferment. 
Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. My lender, Union Bank of California has not signed up for the program. 
Please help me reach Union Bank 's higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. 
Thank you very much. 
With best wishes, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 Capital One deactivated my credit card because of a possible mass compromise. I tried to use my card on XX/XX/2019 at a grocery store and was unable to complete the transaction. However, I did not have time to contact Capital One to find out why. On XX/XX/2019 an attempt to use my card for {$0.00} was declined by Capital One. I was not notified of this attempt, even though I am setup for alerts by Capital One ( text and email ). On XX/XX/2019 I attempted to use my credit card at a gas station. It was declined. I called Capital One and was informed that my card had been deactivated and they would send me a new card. My complaint is that Capital One did not notify me that they had deactivated my account but waited until I contacted them. Also, they are not offering any identity theft protections as a result of their suspected mass compromise. I thought there were rules about notifying consumers when their account has been possibly compromised and providing additional protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge Off account reported on my credit bureau report as recent as XX/XX/XXXX with XXXX XXXX XXXX. However this is a charged off account thats been charged off since XXXX. They are reporting this information as if it is recent and it is damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, XXXX recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAP ONE XXXX XXXX XXXXXX/XX/2021 ), and I have no recollection of doing any business with CAP ONE XXXX.I contacted CAP ONE XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my XXXX XXXX is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next XXXX weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received e copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've contacted the FTC and my police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.
Product: Credit card

I purchased a product ( a lap top computer ) from Best Buy but somehow the company also enrolled me in some kind of subscription service of {$190.00}. I called the company to have this charge reverse. After 15 minutes with customer service trying to " cancel '' the subscription, the customer service agent said their system have a problem and they are unable to cancel the charge at that moment and give me a reference #. 

I think this is unacceptable and believe this is just a run around by the company to not reverse the charge. I do not wish to string this out any longer and simply want the charge reverse.
Product: Mortgage

US Bank via a non-solicited call persuaded me to refinance my house on XX/XX/2020. Since the initial application US Bank tried every tactic to delay the process for some reason I do not understand. Maybe their rate is not favorable? They've asked me to provide more than 40 different documents which I complied swiftly and accurately. Some of the documents were requested repeatedly. Some of the documents, such as my credit report and homeowner insurance documents, have ever since expired due to the delay, result in unnecessary expense for me. Most other banks could complete the process within three to six weeks. Yet my loan application, five months after the initial application, is still under review, resulting in highly emotional distress and substantial financial loss ( had I refinanced earlier I would have paid much lower interest payments for these months ). 

I understand US Bank has no intention to close the loan and requested them to cancel but they were disserting me at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, reviewed my consumer report on XX/XX/2022 and identified that Experian is willfully reporting inaccurate information, which is unfair to me because I was never notified during Experians initial investigation nor when this inaccurate information was furnished. Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ), Experian is violating my consumer protected right by continuing to report inaccurate information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Experian has committed a grave error and undermined my belief in their abilities.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : Experian assumed the role of accurately reporting consumer information, and a competent court of jurisdiction or me did not give them express permission. Experian failed in their initial investigation for accurate information, and they assumed the information was valid, which is another violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) : Experian did not ensure this informations accuracy or exercise any grave responsibility with fairness and impartiality.

In good faith, I notified Experian, in writing the attached inquiries were inaccurate and of no benefit to me as a consumer and to delete them. They did not fulfill my request, so I must file this federal complaint because I communicated directly with Experian only to be ignored and violated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact and retained The XXXX XXXX This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts and inquiries. 

Accounts include : XXXX XXXX XXXX - {$0.00} auto loan {$42000.00} ( in collections/charge off ). 
XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$5900.00} XXXX XXXX XXXX - {$3200.00} Inquiries include : 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 or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Equifax ] regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, FL,XXXX while my credit report shows an outdated address of [ XXXX XXXX., XXXX, FL,XXXX ] [ XXXX XXXX XXXX XXXX, XXXX , Fl,XXXX ] I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX Credit Card issued by XXXX XXXX XXXX XXXX cancelled my account for no valid reason. I contacted them by telephone and was first told my account was closed because I had several late payments. This is not true. I was never late on my payment and always made more than the minimum payment required. I was then told I had fraudulent charges and payments on my card. This too is not true. I made all the charges on my account that were authorized and made payments from my Bank Checking Account which too is not fraudulent. ( XXXX XXXX Checking ). I have had this account over 15 years. 

On XX/XX/2023 I paid the full balance on my account of {$1000.00}. This was able to be paid because I won {$11000.00} on a slot machine on a online Casino known as XXXX XXXX and is legal in my state and in the United States of America. Therefore, there was no fraudulent payments or activity. 

The account currently has a XXXX ( XXXX ) balance and payment was even made after the account was closed my XXXX and XXXX XXXX XXXX XXXX. My assumption is that they closed my account because there were no longer getting interest charges from me because I charged then account and paid off the balance The was done to show use of my credit available to me and to build up my credit and XXXX XXXX With XXXX and XXXX XXXX XXXX XXXX  closing my account the have hurt my credit and reduced my XXXX XXXX by XXXX point and reduce my credit available to me by {$1500.00}. 

XXXX and XXXX XXXX XXXX XXXX needs to provide to me the FRAUDULENT Charges and Payments and a detailed reason for closing my account. I will also note that all my payments were made on time and often before the due date I have read several complaints online now about this company and post on XXXX. Maybe customers have experience similar situations and closing of account I want my account reinstated with the same credit limit or I will be filing a lawsuit and possibly a XXXX XXXX XXXX This is not legal action by this company. 

Their customer service representatives have no idea what they are doing and providing incorrect information to customers
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is my estate created by Iowa. 
I am very tired of this criminal syndication known as Transunion. Recieved more mail saying my dispute could not be verified. XXXX dispute? 
The dispute filed with CFPB still is process is a very serious issue and there is something very wrong.
Product: Debt collection

Had a credit card, paid the credit card in full. for some reason it was sent to collections ( XXXX XXXX  ) the original creditor ( the credit card company ) has since admitted it was paid and removed it from my credit reports, however their creditor refuses. 

I feel XXXX  is also to blame here, they allow XXXX funding to simple " say '' its Valid with no actual proof ( because there NONE ) while I show proof of the payment in the form of a bank statement and somehow the win the dispute every time. 

and when someone files a complaint against XXXX themselves ( with the CFPB ) they simply PROMISE to go a full investigation, but the just do the same thing and believe the creditor, its all a big scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 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
Product: Consumer Loan

The loan company, Flagship Credit Acceptance, has been asked in writing more than XXXX, and on the phone more than XXXX to cease from calling me at my place of employment as it is not allowed. 
They continue to ignore this request/demand and have called here again today, giving XXXX of my co-workers a snide attitude. 
I have asked them in writing to stop harassing my friends and family members as well to no avail. After a certain amount of tie goes by, they seem to feel justified to call my work and other contacts. 
This loan is up to date and the payment they are starting to harass me over is only a few days late. 
I have had enough with this company 's bad business practices and judging from other complaints I have read, I am not alone.
Product: Consumer Loan

I bought a vehicle in XXXX XXXX, which was financed by Tidewater Finance Company. I had misgivings about the purchase and I knew it would be a very tight budget situation, but with the salesperson 's coercion, I purchased the vehicle. In XXXX XXXX, I wrecked the vehicle in a parking lot and I was responsible for the deductible to have the vehicle repaired. I was unable to make the payment for the deductible AND my car payment at that time, so I did what I had to do and paid the deductible to have the vehicle repaired. From that point forward, I have been late with my payments. I have kept in touch with Tidewater throughout all of this, but I have n't been able to catch my payments up and with some other unexpected debt, I have n't made MONTHLY payments on a regular basis. I filled out an online request to work out a payment arrangement, but I was told that the loan was too new to work out a payment arrangement, however, they said they wanted to work with me. I have been trying to make some form of payment each month, but have n't been able to make any full payments. I do, however, see my way clear to make up the past due amount on XXXX XXXX. I was in contact with Tidewater Finance on XXXX XXXX and XXXX, both by email and by telephone. They were so rude and nasty to me and have been ever since that I do n't even want to deal with them anymore. I have refused to contact them anymore other than by email. I have attached a copy of the email telling them that I am not comfortable talking to them and prefer to communicate via email so that I have a record of our communications as well as them having a record. They keep sending me text messages and emails telling me that I have to call them and that they want to work with me, however, everything that I have told them I can do has been turned down. Immediately after they turn down what I can offer, they send me another message telling me that I have to call to speak with management about an arrangement. They never let me talk to management, or rather, every rep I speak to tells me she is an account manager and every one of them have been so rude and nasty. I have made what I feel like would be a doable offer, and that is to pay all of the past due amount, on XXXX XXXX, but they wo n't accept that and they said, basically, that I should be able to do better. I am attaching email communication which I believe explains a great deal more about the way I have been spoken to.
Product: Checking or savings account

I opened an account with Current to be able to give my teens an allowance on a debit card. This is a service I paid for. I set up my account with my regular bank account and debit card. The debit card expired and the bank account kept saying I had to reverify to work. It wouldn't reverify. So I contacted Current 's customer support. They kept telling me to just reverify. Well, that was the whole reason I contacted them. Then they manually removed my bank account for me to re-add it. Now it can not be added at all, and they won't add a new funding source in the form of a debit or credit card. So I have paid for a service that they are not providing.